Have just returned for Calis and used my Nationwide debit and credit card for the 1st time, I took some Lira with me from the Post Office and got 2.55 rate. I changes some at my Bank in Fethiye Finnans and got 2.65, I was suprised with the rate from Nationwide I knew they did not charge for drawing money out,but was suprised when I checked my bank statements, I got the same exchange rate as Finnans bank and no charges. And the same rate when I purchased something using my credit card. in future will not bother taking a lot of cash.