<prompt> Human: Im going to San Francisco during my holidays this year and Ill need to exchange euros to dollars. My bank uses a rate 5 lower than the actual rate and I think this is way too expensive. There must be a way I can get it to the actual rate, is it?  <response>: You can use an ATM in the US to withdraw cash and get much closer to the actual exchange rate but your bank may charge you a fee for this. Still much more convenient IMO. 