In 2022, you should never have to pay foreign transaction fees OR ATM fees. Full stop. Many $0 annual fee credit cards offer this benefit if you don’t want to play the points game (although if you travel often, you should). Check out NerdWallet’s Best No Foreign Transaction Fee Credit Cards article.
I recently added the Capital One Venture X card to my wallet. It came with a whopping 100k point sign-up bonus, and while the annual fee is $395, you get a $300 travel credit and 10k points (worth $100 at worst) every year on your anniversary. This card costs me nothing, and with the additional benefits and earning potential, and it’s quickly becoming a favorite.
There are fewer offerings on the ATM side, but nothing is more convenient than going to the nearest ATM, regardless of country, and withdrawing your money knowing all fees will be reimbursed. Capital One and Charles Schwab banks offer full ATM fee reimbursement and no foreign transaction fees if you use your debit card abroad (although I’d recommend you use your travel credit card for points and security reasons).