Comment by Ziomislaw

When the ATM withdrawal usually costs you nothing, or in some cases when the bank does not have an agreement with the ATM company it can cost you 1,39$ then 3-4$ is a ripoff.

Also people buy currency locally - before the trip - where I am from, and all the rates are displayed, both in a bank or in currency exchange. You can compare. And even when someone is lazy they can just ask friends which place has the best rates, everybody seems to know which (and the answers are true and conistent, I checked). Buying locally at a currency exchange is the cheapest option.