I agree. However, I invested in a foreign currency card, where I can load foreign currency onto the card, and hence don't pay foreign exchange charges. Can use at ATM. Exchange rate ok, but not the best. As reported earlier I also have a 'Currensea' card, which is a Mastercard, but linked to my bank account, and debits my bank account direct. Advantage is it uses the interbank exchange rate, which is very good, and no extra charges. Works in ATM.
Don't know about Apple pay, etc, not yet worked out how to use it!