When Dave and I travel, one of the biggest headaches we face is getting money out of the ATM. Sounds like a first world problem (and I’m sure it is) but one time we withdrew money from our Australian bank account from an American ATM on a regular Australian debit card it cost us $23.70 in bank fees. Yep, that’s right, $23.70. That is a lot of money when you’re trying to travel on a budget. In fact, that is…