As a travel agent you are more than aware of how expensive foreign banks and exchange kiosks are. Local or foreign airports charge high rates of exchange and as a selling tool, promote, "NO COMMISSION". The problem is that they have already added the commission and more to their rates of exchange.

Credit cards, depending on the issuing bank, are charging even more as each year passes. Discover and American Express, while they are not dependent on a bank, still charge a hefty fee.

With all that in mind...

Where would you suggest your clients do their exchange?

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