A balanced combination of cards and a limited amount of local cash is usually safer than relying on only one method.

Cards

Cards reduce the need to carry cash and make spending easier to review. Check foreign transaction fees, limits and international-use settings before departure.

Cash

Cash may still be needed for small businesses, markets, tips and rural transport. Avoid carrying the full travel budget in one place.

Pay in local currency

When a terminal offers conversion into your home currency, compare the rate and fees before accepting. Local-currency payment is often more transparent.

ATMs

Review local ATM fees, your bank's withdrawal fee and any conversion offer displayed by the machine.

A practical mix

Use one main card, a separate backup card, limited local cash and an emergency amount stored separately.

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Related guides:

• Travel currency conversion guide
• How to plan a travel budget
• World currencies guide