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> Honestly, it is very hard to pay a total of less than 1% on foreign transactions.

I would argue that you are not looking hard enough if you're paying 1% on FX card transactions.

All you need is a multi-currency card from one of the Fintechs, that will get you down to 0.5% or less without any effort.

Of course if you're the sort of person who likes taking cash out of ATMs on holiday then you'll have to look harder, since there is usually a surcharge on ATM withdrawls. But even then its not impossible.