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**ATMs** can also be an option, particularly if your bank has a partnership with a Turkish bank. Using your debit card at an ATM in Turkey will allow you to withdraw TRY directly. However, be aware of the fees associated with international transactions, including ATM fees and any exchange rate markup. Before you go, check with your bank about these fees. Consider all these options. The best choice depends on your personal preferences, your location, and your priorities, whether that's convenience, the best rates, or security. Remember to compare rates and fees to make sure you get the most TRY for your 20 USD.
