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Cheapest way for cash abroad?
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To be fair, I don't think anyone said "do it on an app or you're screwed" but, in response to a poster highlighting a couple of competitive travel-friendly cards, it was pointed out that both entail app use and that exercising your prerogative not to go down the app route does negate your access to some of the best offerings. However, the linked article above does cover a range of options…
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