Its such a rip off....Mind you i have been benefiting, been matching post office prices and have been buying euros in advance of my holiday next year at a rate of about 1.5 from my mates, they would rather sell them to me than back to the PO !!
when you get the card they usually offer you a buy back , where you pay say 3 quid and whatever is left they'll give you the same rate .. failing that , draw it all in one go from cash point .. may lose a couple of quid on it though ..