So I'm going to SE Asia for 3 months over the summer.
My biggest question is how to carry my spending money while I'm there. I plan on opening an account with NationWide as they are the only UK Bank/Building Society who don't charge for withdrawing cash abroad.
But what worries me is that some of the places I'm going wont have ATM's. I guess people just carry their money around with them, but I don't want to walk about with £2000+ on my person. That worries me, lol.
Why on earth are you going to carry £2000 with you, that will be your budget for three months?!
Only in the very remote areas you won't find an ATM, then you'll have to carry some cash with you (in a normal wallet). I've travelled two years in SEA, and I never ran out of money during my trip, most of the times there were plenty of ATM's around.
Probably all places with tourist interest will have ATMs, as well as large towns.
So unless you stay for long periods of time (ie. weeks) in a village it's not necessary, and even if you do stay in a village they are usually not to far away from some kind of large town or city with an ATM.
Given you're doing SEA in 3 months and I assume you'll be travelling around - you'll be fine with ATMs
With the ATMs, if you wanna be sure just check if they have the relevant logo (ie. Cirrus, Maestro), and a lot of the time it's fine even if they don't have the logo, most cards are internationally recognised at ATMs.
If theres any concerns just carry 100-200 pounds worth (I'd usually withdraw about this much at a time, and seperate some in your backpack).
I suggest you have an undergarmet pouch that will contain your vital documents and money. Passport, ATM card, travel checks, cash, all out of sight and secure. You may want to consider pac-safe for your backpack. Makes leaving your pack in hostels, hotels, storage much less stressful. Make it difficult for thieves to ruin your holiday is my best advice. Good luck with your planning.
In Thailand, especially tourist places there are many ATMs don't be worry.
You can cash travel cheques easy in towns and citys .