Originally Posted by Jarmusch

No, a normal person goes to http://www.paxum.com/ to see the balance and then goes to http://www.xe.com/ucc/ to convert the currency before leaving the house. A normal person also withdraws slightly less than the paxum balance because he/she knows there will be rate fluctuations/conversion fees charged by the bank.

If you don't want to plan ahead then stop bitching about failed transaction fees.