Getting local currency overseas can be done several ways.
- Carry convertible foreign currency, usually US dollars or Euros, and have it converted at banks or on the street. Have some of this. Good for paying for visas and when first arriving in a country. Always have stashed in several secret places (along with a bit of local currency).
- Carry travelers' checks, e.g. Amex or Thomas Cook, , and have it converted at banks or on the street. Good to have some of these on hand for places where no ATMs or need quick cash. Replaceable in case of loss or theft.