<p>I’ve had different experiences all over Europe, but nothing’s been too big of a problem. In the few cases that ATM’s gave me real trouble, I was able to take my debit card + passport to the cash desk inside the bank. I generally ask if a machine accepts US cards…not all do, but I’ve always been directed to one that works. In stores, I’m generally unable to swipe my own card…it has to be handled by the clerk. In some countries, I’ve been able to use ATM’s just fine, but my card has been virtually useless at businesses…they just deal in cash. In other countries, I use my card constantly. It’s a Visa from a small bank. </p>
<p>I generally try to draw out a fair chunk of money at once in case there is a flat fee (if it’s a % fee or no fee, then no gain, no loss), and I’m conscious of when/where I draw out money (during business hours of the bank or store I’m using, en route home, etc.). Just for safety’s sake. I recommend carrying some cash at all times, because even though cards are mostly fine over here, they can get temperamental at weird times. Try to avoid anything over a 100 euro note…some stores won’t take anything larger, or won’t be able to make change (as I found out the tough way, stranded at a train station, unable to buy an early morning ticket b/c of a lack of available change or open banks).</p>
<p>ETA: If you are using a debit/credit card, make sure to call the provider in advance and give them the dates and location of the trip. Otherwise, the card may be frozen due to suspected fraudulent activity. I think this was mentioned earlier in the thread, but it bears repeating!</p>
<p>ETA(again): I believe that Washington Mutual will provide debit cards to <18’s. My sister had one. There were a number of parental monitoring sort of options.</p>