RE: What’s the best way to avoid transaction fees at the bank?
I set up a Western Union account online, tied to my bank account not to my debit or credit cards. I did this in the event of stolen or lost cards (the bank will probably cancel the cards once you report them stolen). You can go to any computer (internet cafe or borrowed) or even a smart phone and send yourself money. Itâ€™s a good idea to make a couple of small transactions to make sure you have everything working correctly. I even used this to pay my monthly condo rent directly to the landlord so I didnâ€™t have to get a bunch of cash and carry around for even a day. On a three day delivery the fee was $12.
If you lose your passport too you can send the money to your traveling companion or trusted friend. The fees may be a little more that ATM fees but it is a good back up and a second way to get money. I donâ€™t know what the limits are.