Do you know the difference between plan and itinerary?She already posted her travel plans and resorts she will stay at.
My HSBC HK ATM card works fine outside of HK.
Who give a toss whether your ATM card working or not.
There are three ways for me to get Indonesian Rupiah.
1. Buy it in HK.
2. Change it at Jakarta airport.
3. Change it at money exchanger in Denpasar.
It is all depend on my arrival time in the country.
ATM or credit card!!!!! Absolutely no need. My ATM card does not even work outside HK because I see no reason to have it registered with the bank.
The largest amount that I ever exchanged was in Bali for just under 20M(~US$1,500.00). I did it with three different money exchangers in Kuta. US$500.00 each time, returned to the hotel off loaded the money and went out again.