You’re in a new city and have discovered an under-the-radar restaurant but they only accept cash. You’re checking into your hotel and need cash to tip the staff. You’ve found a few treasures at the open-air market but none of the vendors have a credit card reader.

These are only a few of the reasons you might need good, old-fashioned paper money while traveling—and an ATM is likely where you’ll have to go to get it, despite the certainty of paying surcharge and out-of-network fees just to get your hands on your own money. But before you resign yourself to getting nickeled-and-dimed by your bank and the ATM owner, you may have an alternative.