I find debit cards to be most convenient and offer the best exchange rate. With my bank, I do have to notify them that I will be out of the country or else my card won't work. The only downside is that I have daily limit on how much I can take out of the ABM, which is usually around $22,500 JA. If it happens to be an excursion day and we later hit a nice restaurant for dinner, I can burn through that pretty quickly. On average, I probably hit the Scotia Bank ABM every other day.