I'm a US citizen and I've had this issue in the past. There are banks that issue debit and credit cards that refund ATM and do not charge foreign exchange fees.

I'm a US citizen and I've had this issue in the past. There are banks that issue debit and credit cards that refund ATM and do not charge foreign exchange fees. IIRC Charles Schwab checking, USAA, Citibank, Chase, HSBC offer these services with a large enough balance. If I could, I would set up a USAA account. reddit.com/r/churning or r/personalfinance might be better places to ask. There are some other considerations though. If there's an emergency and you need to get in touch with someone, you will be bound to US operating hours. If your ATM card gets fraud charges while you're out of the country, you won't get a replacement card for weeks. There might be access problems to online accounts in suspicious countries or unknown devices. Certain banks like to proactively suspend your card and call your old phone number for suspicious activity, even when you have already listed out the trip ahead of time. I now carry multiple debit and credit cards, and cash for international trips.