I have two, one for personal travel, one for business travel. Both are Thomas Cook multi currency. I like them for the peace of mind. If either is lost or stolen I know that my personal or business banking isn't compromised.
Easy to load online and the exchange rate is locked in at the time which for those of us who our self employed means there's no extra work for the bookkeeper...Yes, both have withdrawal charges but I find most of my transactions are electronic unless it's a tip or similar but even taxi's are taking plastic now, so one trip to the ATM is all I usually need.
I also find that I'm a little more disciplined. There's no eating into the overdraft on impulsive purchases of even more aftershave or necessary shopping trips for more 'vital travel essentials'.