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Come home with leftover euros or dollars and it's not really a problem — spend them next trip or exchange them whenever. Come home with a pocket of Vietnamese đồng or Argentine pesos, and you may find you're holding onto cash that's genuinely difficult or impossible to convert back, no matter how much it was worth on vacation. The difference isn't about how much money it is — it's about whether the currency itself travels with you. A quick check before you go tells you whether to spend it all down to zero or relax about the last few notes in your wallet.
Banks and airport kiosks quietly add 3–7% to every exchange through worse rates and fees. A Wise account converts your money at the real mid-market rate, holds 40+ currencies, and comes with a card that works at ATMs and terminals in your destination like a local one — usually the cheapest way for travelers to spend abroad.
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