The solution is not to have all your eggs in one basket..
I have 2 different bank accounts with 2 different cards as well as 2 credit cards.
I split my travel cash between between the 2 difference bank accounts.
I would use my debit card in the ATM's. I happened to lose my debit card so I just used the other card. I didnt even bother with getting a replacement. SIMPLES !!
I also have a couple of credit cards (1 stashed in luggage, 1 stashed in the bike)..
When I lost my whole wallet, I used my credit card to withdraw cash and pay for fuel until I could get a replacement.
Using a credit card for trips, gifts, excusrsions etc means you have that security of claiming back any dodgy thefts or transactions.
Many people also prepay their credit cards. I personally would pay for insurance on ONE card. The one you use for any large or suspect payments while abroad.
What I would now do in heinsight is to have £50-£100 for EVERY different currency you will need. Just as an emergency, stashed deep in my luggage. It can be a nightmare at some small border towns to try and change cash or find working ATM's. Not being able to buy fuel and a bed for the sake of a few quid makes no sense.
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Did some trips.
Rode some bikes.
Fix them for a living.
Can't say anymore.
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