Cindy, you need to call ALL of your credit and debit cards and notify them of your travel plans. This way, they will not only not block your use of the cards in Europe, but can spot fraudulent use elsewhere. This just happened to me on my last trip: my Visa card was never used in Holland, but Visa blocked a fraudulent charge in Virginia - because I had told them I'd be out of the US at that time. When you call, ask for the fees to use your card abroad. It used to be that the person answering wouldn't have a clue, but I was pleasantly surprised when I just called for my upcoming trip, as all the reps had the information handy. For debit cards, there can be two fees - a percentage of the transaction, and/or a per-withdrawal charge. My Chase checking account actually has both - $3 per withdrawal AND 3% of the transaction. And my credit card charges 3% for foreign transactions, and 3% for cash advances; the rep warned me that BOTH fees apply if I use my card for a cash advance in Europe, so this is only for emergencies. If you have a debit card with high fees, and if by "Elizabeth" you mean you are in New Jersey, get a TD bank account. They have no percentage fee for ATM use; basic accounts charge $2 per withdrawal, and accounts with a $2500 minimum balance have no withdrawal fees. My TD card is my money mainstay while in Europe. If you go into a TD branch and open an account, they will give you an ATM card (not just a temporary) while you wait. TD's maximum withdrawal is $760 per day.