A method of facilitating the dispensing of destination currency from a destination ATM to a user traveling to a destination country comprising the system provider establishes a currency exchange system which comprises at least two system accounts established for the system provider and funded by the users residing in the respective country with deposits of home currency in at least one financial institution in a respective country. The system provider provides each of the users virtual tokens equal in value to the amount of home currency deposited to the system account of the home country. The user requests a virtual debit card with an amount of destination currency, and the system provider debits the virtual tokens in equal value. The user requests an amount of destination currency from a destination ATM, and the system provider debits the destination currency from the system account in the destination country.