When going abroad, decide how it is more profitable to pay for purchases and services in advance. This can be done in several ways: using bank cards, cash in foreign currency and money checks.
Each payment method has its own pros and cons. The most popular payment method in most countries is with a bank card. It is more convenient if it is multicurrency. If the card account is not in euros, dollars or rubles, the conversion takes place at a favorable rate. This is more attractive than exchanging cash. And if the card is lost, the money on it will not be lost, you just have to call the bank and block it. Specialists can offer a replacement card and issue a limited amount in cash, but this service is paid.
For cash withdrawals by credit card, the bank takes a commission. In case of technical failures, it is better to issue several cards in different banks, so you will always be solvent.
It is easier to exchange rubles for currency before departure, having found the most favorable rate. True, this applies to dollars and euros. Other currencies in Russian banks are seldom sold at attractive rates. In this case, feel free to take dollars with you, and exchange them on the spot.
You can pay in cash anywhere, this is a definite plus of this payment method. Moreover, having bought a currency in advance, you do not depend on fluctuations in its rate. But it's not safe to carry money with you or keep it in a hotel.
Traveler's checks can be purchased at major bank branches. They guarantee the receipt of a certain amount in foreign currency. This document is reliable, since it is not valid without the signature of the owner, and if lost, it is restored free of charge within 24 hours. Checks are not accepted everywhere, there is a small commission when buying and exchanging for cash. This method is convenient for large purchases.