i think the surcharge is worth the lack of hassle. carrying hundreds in cash is a liability and will make you paranoid. where is my money? is this hotel safe? will i get pickpocketed?

plus when you re-exchange back to your original currency, you get the assrape buyback rate on top of the assrape exchange rate.

oh i think paypal does currency exchange too. have her paypal you the money and you go get the cash!