Exchanging Currency

37. Convert money at a local bank for the best rates. ATMs affiliated with major international banks are great, but be wary of foreign ATMs; while you won't be charged a conversion rate, you may be charged hefty fees by your bank. Learn your bank's policies before you leave.

38. Pay with a credit card. Often you'll get the lowest possible exchange rate, and you'll be protected from unauthorized charges. Even better, make purchases with a single frequent-flier card to rack up miles. Insider Flyer offers comparisons of these cards. Caveat: Some banks tack on conversion surcharges of up to 3 percent. Some banks will cancel cards for erratic spending patterns, and it usually takes at least a phone call to clear up. Tell your bank your travel plans ahead of time so you won't be caught cardless en route.

39. Get a VAT reimbursement. In Europe, this value-added tax, which is included in every purchase you make, is meant for residents only. To get this money back, pick up a form each time you make a purchase, and save your receipts. Once you're back home, fill out these forms and mail them to the VAT processing agency, which will mail you a reimbursement check. Or look for a Global Refund outlet at the airport, which will give cash refunds on the spot.

40. Pick up an American Express Travelers Cheque Card. Cash, in dollars, pounds, and euros, is accessible via select ATMs, and the prepaid card isn't linked to your bank account. You can add more money at any time. And, like travelers checks, these cards can be replaced within 24 hours if lost or stolen.

41. Have foreign currency delivered to your doorstep. Wells Fargo lets you order 14 different currencies online. Travelex World Wide Money offers more than 100 foreign currencies, and gives free online quotes for services.