[cameronh90]

No borders on the continent is useful, but not sure what it has to do with currency.

Nowadays when I travel, I just pay with my usual bank or credit card and get good rates without thinking about it. If my bank didn't have good rates, there's Revolut.

The main pain is that the EU hasn't standardised payment systems. So in parts of NL and Germany, you might find your Visa isn't accepted because they only take Maestro, or, in Sweden, Swish, for example.