Should I bring cash from home to exchange?

No. Exchange rates at local banks or ATMs in your destination are almost always significantly better than what you will get at home.

What if my card is declined?

Always have a backup card. If you are stuck, use your banking app to check for blocks or call the international collect number provided on the back of your card.

How to manage your money safely while traveling

Carry two debit cards from separate banks and one credit card with no foreign transaction fees. Keep your primary card and most cash in a hidden pouch or hotel safe, and carry only one day's worth of spending money in your wallet.

Set up your cards before leaving. Call your bank and credit card issuers to set a travel notice so they don't block your cards for suspicious activity. Ensure you have the mobile banking apps installed and know your 4-digit PINs, as many international terminals require them.
Choose the right exchange method. Use your debit card to withdraw local currency from a bank-affiliated ATM upon arrival. Avoid airport currency exchange kiosks, as they typically charge 10-15% in fees and bad exchange rates.
Master the 'Dynamic Currency Conversion' trap. If a card machine asks if you want to pay in your home currency or the local currency, ALWAYS choose the local currency. Choosing your home currency allows the merchant to set their own (usually terrible) exchange rate.
Divide and conquer your stash. Store your emergency backup card and passport in a hotel safe. Keep your active daily card in your pocket or a secure bag. Never keep all your cash or all your cards in one place.

Should I bring cash from home to exchange?: No. Exchange rates at local banks or ATMs in your destination are almost always significantly better than what you will get at home.
What if my card is declined?: Always have a backup card. If you are stuck, use your banking app to check for blocks or call the international collect number provided on the back of your card.