There are neobanks for people who travel a lot. Both Revolut and Wise should let you either convert ahead of time or just convert as you withdraw (Revolut has a notice saying please don't let the ATM do its own conversion as the ATMs are going to be higher fees). Currencies here. They apparently have a 2% withdrawal fee with a 1 EUR minimum. Revolut's fee-free maximum depends on your plan. Metal gets you a metal card and 800 EUR per month fee free, Ultra or whatever gets you a platinum plated card and 2000 EUR per month fee free, but it's also ridiculously expensive compared to their free, plus and premium plans. Metal itself is already a bit expensive, but it's still way less than Ultra.

Wise has both a monthly allowance for proportional fee free withdrawals and a monthly limit of 2 completely feeless withdrawals. You get hit by fees once you hit either limit Basically: From the 3rd withdrawal of the month I pay 0.50 EUR for every withdrawal, and for any withdrawals above 200 EUR per month I pay 1.75%. If I make card payments or withdrawals in e.g the US, there's a 0.47% conversion fee from EUR. In South Korea it's 0.71%.

In both cases, the fees are predictable and low, just gotta familiarize yourself with the beforehand. There are other similar options out there as well, but these are the ones I use (Wise is great for giving you both a USD and EUR native account so you can receive USD and convert it to EUR instantly. Other currencies as well, but these are the ones that matter for me). You can register for either one without visiting a branch or anything, but you will have to do some KYC checks for both of them and for Wise at least once you hit a certain amount transferred or a certain transfer size, you'll have to do an AML check. Not a lot of fun when you receive a large sum and you need a couple of grand out of your account the same day and get the AML check, but it doesn't take a long time as long as you can prove the source of your income is legit. For me I had some trouble with it because I had proof but not the exact types of documents their app allowed to use, but I called their customer support and it was resolved quickly. Since then, no issues.

I imagine most people already know that KYC = Know Your Customer. AML means Anti-Money Laundering. The former is only about your identity, the latter is meant to check whether your funds are legit, or you're receiving a bunch of money from terrorists or something.