I am an American abroad in Greece on vacation. I emailed my bank and asked them how to incur the least ATM fees and they replied:
"please be advised when using an ATM abroad you will incur a percentage fee for the conversion of currency and additional fees they can charge any amount. It is
better to be charged in dollars to avoid extra fees and currency conversion from the side of ... Federal Credit Union."
But they specifically said from their side. Since I am not a member of a Greek or European bank I usually get charged an acess fee to use the ATM network of a Greek bank(usually 2-4 Euros) and a markup rate for currency conversion often 9% or as high as 14%.
Some Greek who has a mini-market told me it is best to make a POS debit transcation if possible and ask to be charged in dollars.
From my semi-extensive experience of sending money to relatives in Greece, Paypal is far cheaper than any bank or any other method I know of for currency conversion. Do you think there is I way I can send money to myself in dollars via Paypal and convert it to physical Euros somehow?