Jamie,
I use Wise Visa debit card as my primary card when travelling out of country on bike tours.
Reason is that if I use credit cards the conversion rates were unfavourable. If I remember correctly the banks were about 3 to 4% higher.
Using Wise the rates are close to XE mid market rate. So over the long term the Wise Visa debit card helps.
I don't keep the money in multiple currencies though. I just have the funds in my currency (Malaysian Ringgit) and I use it to pay for bike rental in Vietnam and Thailand, hotels (Philippines), gas/petrol at bigger fuel stations in Thailand etc.
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