This isn't a new topic really just one that I want to bring to the fore again as I think it was on the old forum. The exchange rate isn't too good at the moment for the English pound (and I should think the US dollar too) so if you don't need access to all your money the minute you get off the plane open yourself up a sterling or US dollar account and let it sit there until the exchange rate gets better. You can take it out bit at a time if you need to or leave it in there gaining interest until you need the lot. We've got one with the Westpac and its working well for us. Just wish the NZ$ wasn't quite as strong as it is.