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ATM card & credit card

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European Serenade: ATM card & credit card
kwills321kwills321Member since 7/27/2013 Login to add friend Posted: Saturday, August 03, 2013 6:18 AM
It has been recommended that we get an ATM card for getting Euro's and use a credit card with an associated pin for other purchases. Is this correct? Or does anyone have another recommendation as this is our first trip we are unsure of how to proceed.

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deborarichterdeborarichterMember since 7/11/2013 Login to add friend Posted: Saturday, August 03, 2013 5:19 PM
Yes, using an ATM is the easiest way to get currency. Check with your bank and let them know you'll be out of the country. Be aware of conversion rates and estimate what you'll want to withdraw. We normally find an ATM at the airport. If you need additional cash during your trip, your tour guide or cruise director will be able to direct you to an ATM. When we used ATM machines in Europe our credit union didn't even charge a conversion or service fee.
I understand the European countries now require a PIN for most credit card transactions. We didn't have any issues 2 years ago without a PIN, but earlier this year our credit card company reissued cards with a PIN. We use Capital One and notify them before we leave. They do not have foreign transaction fees which all our other cards did have.
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