Agree about the time vs money thing. There are a few things I don't bother with.
It's still more than a few pence - it can be £3 on top of each withdrawal, which adds up when you are getting stiffed on the exchange rate as well. That's a lot of money to a backpacking student (can be a night's accomodation and food).

I already banked with Nationwide, so was easy choice for me. The Nationwide exchange rates also seem pretty fair.
( Pope Shax XIII uses Visio for picture editing, does it show?, Fri 3 Jul 2009, 11:49, archived)

ah, right enough
if money's tight and you're backpacking you're probably taking out small amounts at a time. I just tend to take as much as I reckon I'll need for the duration out of the first machine I find, so i'd only get stiffed for £3 once in that situation. Plus I'm mostly abroad with work these days and consequently it doesn't matter.
( the mighty badger Aphrodite, on a bar stool, by your side, Fri 3 Jul 2009, 12:03, archived)