stupid rates bank going to charge you

money changer - you already know the rate when you change
bank withdrawal - really depend on that day bank's rate, you will never know until after the transaction + charges that might be charged

TS, you can also withdraw money from your credit card called cash advance
why you never go do so?

got the feature does not mean you need to do it, ok?

one thing many dont consider
you need physical cash to show to customs you are able to survive in their country (if checked)
if you show them credit card or atm card, it is not accepted. they can just deport you on suspesion that you plan to overstay there.