With 9 days left here in Michigan, 42º when I left for work, I am trying to wrap up a few loose ends for our trip down to Paradise. I am asking for some currency help. Getting confused on what is the best route to take with cash. Here are some facts: our credit/debit cards have a 3% foreign transaction fee, we have 0 atm fees if we use Scotia Bank.

Is it best to bring 1/2 the cash we were expecting to need and use the ATM? Does ScotiaBank in Sint Maarten dish out Euros or guilders? At what parity point between the dollar and the Euro does it stop making sense to pay a 3% fee.

Thanks all!
Oxy