It seems a difficult situation for you man,
Exchanging in 2 currencies bring you less bitcoin, but you can convert only once.
From EUR -> BGN directly in ATM but you will still get -3% for this conversation.
Going to greece to get in eur seems not a good idea because you still have to convert in BGN when you come back at home.
Actually going to Greece to withdrawal in EUR is not that bad idea, especially for over 1000 euros.
But only if:
1) I have a Bitcoin card in EUR
2) The EUR here is fixed, not like the USD.
EUR is always 1.95583 (fixed)
and sell: 1.955 (for example) buy: 1.9585
Actually I'm ok with -3%, but its an alternative for large amounts.