In general, there's a 2-3% exchange fee charged when withdrawing money from an ATM or using a credit card. This is generally better than the rate you'd get at exchange booths.

In Europe particularly (though this applies to some other countries as well), to use a credit card, you often need a gold chip and/or a pin. You should be able to call your credit card company to set up a pin if you don't have one.

Bank of America is part of the Global ATM alliance– you may be able to take money out of select atms without being charged the $5 withdrawal fee.