Currency exchange-no. I really don't know who uses those places since the advent of ATM's. The choice is to arrive with some currency or hit the ATM in the airport. I've done the later once and it was not to my liking. I pay the few extra bucks stateside and get enough of the currency needed to get from the airport to the hotel. My sequence upon arrival is : bathroom, coffee, passport control, customs, transport to hotel. When I tried to throw ATM in there I had to fish out the debit card from my money belt, figure out which of the several ATM's available was the one I should use (told to avoid Travelex) get the money while trying to watch my luggage and those around me who might see my PIN, stuff the money into the money belt, then proceed to passport control, all the while horribly jet lagged. On subsequent trips, with some foreign currency in the money belt, I wait until I'm checked into the hotel, showered, going for a stroll until I see a bank ATM if I need more. I just find it less stressful.