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Travel Financial Advice in any: what actually matters to know

Short answer
When using foreign cards, always select local currency and 'Credito' mode to avoid unfavorable conversion rates and DCC fees. Check your receipts for an automatic 10% service charge and ensure your USD notes are current, as older series may be rejected.

From real experience

For Latin America, USD is the preferred currency.
When using foreign debit cards, always choose 'Credito' mode on the payment terminal. Belarus/Russian bank cards may not work for subscriptions like Uber or Airbnb; crypto-based payments or local debit solutions are more reliable. Avoid exchanging at banks without checking local market rates, as they may use unfavorable spreads.
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When paying with a foreign card or withdrawing cash via ATM, always choose to be charged in the local currency.
Choosing the home currency (DCC - Dynamic Currency Conversion) applies unfavorable exchange rates set by the merchant or ATM provider. Always select 'decline conversion' to let the user's home bank perform the exchange.
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Increased travel has led to a growing acceptance of cashless payments, as cash is not always accepted in certain locations.
This is a shift from past practices where cash was universally preferred and digital payment systems were less common.
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In many establishments, a 10% service charge (tip) is often included in the bill by default.
It's advisable to check the final receipt to avoid overpayment.
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Old and new series Euro banknotes are generally accepted for payment.
Unlike US dollars, where older versions might be rejected in some countries, Euros are universally accepted regardless of the series.
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