Hacker News Reader

>with no extra charge (beyond exchange rates)

Be aware that the rate is the charge. At the end of the day, everything you pay from mid is a charge and although you're always going to have to pay something, credit cards and some bank networks can be particularly egregious.

View on HN

The rates are always terrible, they have to make money. It probably equals out over time but having the freedom to withdraw smaller amounts without an extra charge is convenient. I am not a great fan of carrying around a lot of cash.

Agreed, and that's how I do it also. But I'd recommend checking the rate. I have a few accounts and the difference between the cheapest and most expensive is significant (e.g. one bank taking 4% margin, another only taking 1%).

Reply on news.ycombinator.com