When changing pounds sterling or dollars to Tanzanian shillings in a exchange bureau, large denominations get a better exchange rates. This is not so in banks, but banks take ages! (two hours in Bagamoyo)

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I backpacked around Europe last summer and held onto my handbag for dear life at all times. As a poor student carrying around over 500 Euros, I couldn't take any chances. At one point I ran out of money and used my UK debit card to withdraw cash from an ATM, only to receive frantic calls from my bank to see who had been using my card at a bank in Rome.

This summer I made a similar trip around the US and I came across the concept of prepaid cards. I loaded my dollars onto it before I left and it was like having a local debit card. I could even withdraw cash from it at an ATM. When I ran out of money I just sent a text message to the card account and bought currency to put on the card in just two minutes. I think the card is also available in Euros.

It's now as much of a holiday staple for me as my sun tan lotion and flip flops.

www.pocketcurrency.com

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In my experience, online currency ordering via www.travelex.co.uk gives you the best rate (they also have a best rate guarantee). Order online and pick up at the airport. Just be wary that some debit card providers charge a 'cash advance' fee - however, Switch cards do not incur such a fee. My tip would be to order via www.baa.com/worldpoints and get the same great rate but also collect worldpoints (which you can use for frequent flyer miles or discounts). Remember to present your card when collecting the currency.

www.baa.com/worldpoints
www.travelex.co.uk

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Change money on arrival in the airport currency exchange due to a better rate.

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They are honest, fast and give a good rate. Forget the banks who limit the amount, may charge commission, and take ages. These guys are straight, fast and, I guess, regulated.

The money changers in Kowloon and other areas are not, in my experience, as good.

It'a small street between two main roads near the Macau Ferry Terminal, the tram runs down it in one direction.

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