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Take a look at Revolut and/or Wise (non-referal links used).
With either, you'll get a plastic debit visa/master card.
Anything you'd pay for you'd just use your card, each transaction they will do the currency exchange based on the immediate forex exchange rate.
The other option is that (depending on the foreign currency) you can create an "account" in that foreign currency and exchange money to/from that foreign currency whenever you want. Any transactions made will be automatically pulled from that foreign account. If you don't have enough to cover it, whatever foreign currency you have will be used and the difference will be pulled from your primary currency.
The same rules apply to ATM withdraws. You don't need to pay ATM fees, because there is no currency conversions.
So, if I'm planning a trip abroad, I'll just look for a favorable at the exchange rate convert some currencies and when I come back, I'll convert the left over back.
Caveats: