Carrying stacks of cash abroad can make you feel like a target for snatch thieves, while swiping your credit card chalks up foreign-exchange conversion fees and administrative fees that tack on another 2.5 to 3.5 per cent of your transaction amount.
Save on these fees by using a multi-currency account or mobile wallet for overseas spending instead, which also lets you exchange and store foreign currency when the rate is favourable.
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A version of this article appeared in the print edition of The Sunday Times on December 16, 2018, with the headline Six travel hacks. Subscribe