You're right Nicke! I always use credit cards and always got a better exchange rate than the one you would have when changing cash.
Concerning the 3% commission rate that some hotels, shops, ... may require when paying with a credit card, as it's equal or sometimes less than the commission percentage the bank asks for an ATM transaction, just simply use your card to pay and don't bother to take cash at an ATM to pay it. You won't see the difference and you will not take the risk to carry a lot of cash with you.
Regards,
Bobby