If you have an extra 5 grand sitting around, switch to TD's premium account. They'll waive the $25/month fee for the account, and withdrawals are free from any Plus network ATM anywhere, which will also limit the amount of cash you need to have on you at any time. Handy if you're hostelling, because some places only take cash, so you don't want to have a weeks' worth of hostel money on you.
Whatever you do, don't stay with CIBC. Last I checked that had an extra "administration charge" (2.5%?) on currency exchanges that other banks don't, and that includes your CIBC VISA. They rip you off when you're travelling.
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