I have read numerous posts about how people get funds while travelling. At this point here is a general idea of what seems to make sense - then I'll ask about specifics.

2 bank accounts. Only one with ATM access. The idea here is that limited funds are always available at the ATM, but not ALL funds. This can be set up to enable transfer of funds from protected account to ATM account on-line.

Fake wallet - with expired credit cards and some cash and old IDs.

Hidden stash of US funds somewhere on your person and on bike.

Credit cards.

There's the structure, now to specifics. I am in Canada.

I think I have found a zero cost account at the CIBC called Simplii. Planning on opening an account there, a savings account to start dumping funds that are ONLY for travel....not bike repairs, or gear or anything else...Just travel funds.

The second account is a question mark. For a Canadian, going abroad, what is the best/lowest cost/safest and most reliable account for ATM access, or world banking. It does not have to be a Canadian bank, just one that works well.

Some people have talked about, I'm going to get the terminology wrong, but like refillable gift cards.

Any advice about getting this financial house in order would be most appreciated.