What we have learned:
1. If you are staying long enough to start a foreign bank account, buy euros to fund it. One place is with HiFx.
2. We have found ING Belgium to be the bank to use in Belgium.
3. The best deal for credit cards and cash advances is from Capital One. No ATM fee, no transaction fee, and no conversion fee or percentage.
4. Also Capital One direct banking offers Money Market funds that can be funded with your money earning interest with unlimited use of ATM for cash withdrawals with the same no fees and no conversion percentage as the credit cards.
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