leaving for England in August on tour of England, Ireland & Scotland. I do not plan on exchanging money bofore leaving US but using ATM when arriving at Heathrow to get local currency. Also using ATM in Ireland to get Euros. Has anyone had experience using this method? Exchange rate at local banks seems high. My bank does not charge foreign exchange fees & reimburses for ATM fees so using ATM's seems best choice for me. I will use credit card for purchases if needed but first choice is to pay in cash. Any suggestions from others that have gone this route?