The best strategy is to take a credit card that is cleared and put your vacation funds on it. Your credit card will be used as a convenient debit card that you can be used at most ATMs worldwide. MasterCard and Visa on average have better international fees and exchange rates than most major banks. However, check with your bank before implementing this strategy; they may have banking products that make it easy to withdrawal money from your bank. If you decide to use your credit card you should know your limit and spend within it.