Credit Cards are a fairly safe method, when they are accepted. Note, however, that save for very few credit cards, the vast majority will charge you a conversion fee on each transaction (around 2%-5%).

Using a debit card, and taking out money at an ATM when needed, is another alternative (although you again may be limited by the ATM network). There are also fees, but usually not as dire as the dedicated exchanges.

You may also find that banks that are off the tourist traps will give better exchange rates.

From my experience, when traveling in a first world country, you are safe taking about 20% in cash, for incidentals, filling in the rest with debit withdrawals and credit cards, as available.

Credit Cards are a fairly safe method, when they are accepted. Note, however, that save for very few credit cards, the vast majority will charge you a conversion fee on each transaction (around 2%-5%).

Using a debit card, and taking out money at an ATM when needed, is another alternative (although you again may be limited by the ATM network). There are also fees, but usually not as dire as the dedicated exchanges.

You may also find that banks that are off the tourist traps will give better exchange rates.

From my experience, when traveling in a first world country, you are safe taking about 20% in cash, for incidentals, filling in the rest with debit withdrawals and credit cards, as available.

Be sure to call your credit card company and your bank before you leave and let them know your dates of travel. It will save you uncomfortable moments in front of an ATM or in a restaurant when your transaction is denied.

Finally, be aware of your debit card daily and one-time withdrawal limits. Because of the fees, you may well want to withdraw up to the max, and if your max is too low, and if you can only withdraw up to that max once a day, your access to cash may be restricted. When you are calling your bank, also inquire about these limits, and see if you can have them raised, if necessary.