You'd probably save maybe $4-6 versus your bank card on $200, plus ATM fees. I generally go to Calforex, but aside from that, I don't worry too much about the rates, given it'll be a couple bucks give or take ontop of a pricey vacation. If using an ATM in the states is easiest and you're not doing it 100 times a year, impact is negligable.
The big savings are when you're making a large USD purchase (car, house), then I recommend a legit Fx house (XE.com, etc) as your margins are a lot smaller. Thats where the real savings are.
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