One of the options to query for specific types of points of interest on OSM is the web app OpenStreetBrowser.

I’ve heard the following rule of thumb:

Your bank has an existing customer relationship with you, so they have more of an incentive to make you a good deal on currency conversion, lest you pack up and leave.

The ATM operator’s relationship with you is literally transactional. They don’t give a crap who you are and even less of a crap once the ATM dispenses the money.

Thus, your bank is less likely to fleece you than the ATM operator, so you’re better off leaving the conversion to your bank.

That poor owl is constipated.

As an alternative to forcing shitdown, you may want to try laxatives.