I was just wondering which would be more cost effective? I'm going to New York in February and was thinking of just loading my spending money on to a Moneybooker MasterCard and using that for purchases and money withdrawals. There is no fee for either of these transactions with this card. The question is really which is cheaper based on the exchange rate you would get in the bank plus commission Vs the exchange rate you would be charged at POS and ATM's in America? Thanks!