JUST spend on my specialist overseas credit card which gives top rates as I spend. While most plastic adds a 3% ‘nonsterling exchange fee’ abroad, so £100 of euros costs you £103 (and often other fees too).
With these cards you get the same near-perfect rates banks get.
So just apply now, use it to spend on every time you’re abroad, and just ensure you repay IN FULL each month – so there’s no interest. There are around 10 of these cards, and as they’re credit cards you’ll need to pass a credit score to get one. You