> If your debit card has 'Cirrus', 'Maestro' and 'Pulse' then you will have a hard time finding an ATM that won't give you cash.

Be careful about that. Before the last time I went to Amsterdam, Wells Fargo gave me one of those combo Visa/ATM cards, and it didn't work at all, even at ATMs that I had used just fine on the last trip with just a debit card. I had to get cash at the casino or my hotel, and at Visa rates (bad, very bad).