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Purchase traveler's checks...it is safer and when traveling overseas, you often receive a better exchange rate than cash. If you do carry cash, local banks at your destination usually give the best exchange rates, so avoid changing money at hotels or shops.

Many banks now belong to worldwide ATM systems allowing you to obtain cash in the local currency of the destination you are visiting. You will be billed according to the rate of exchange on the day the charge clears, not the rate in effect on the day of the transaction.