The best way to get money at the best exchange rate is to use a debit card. The problems can be: some banks will charge a foreign exchange fee on top of the normal visa/mastercard rate. There also will be a bank charge every time you use the ATM for some banks. You need to find out what your bank charges. I don't know specifically about Paypal. The one time I used them I had money in Euros which they changed to dollars and then back to euros when I withdrew it, so I was hit with a double exchange charge. I don't know how they do it now.
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