Savvy travelers probably know these things, but I know some who are still behind the curve and going abroad soon. So here’s an update: Though many report having no problems at all using their US mag-stripe cards and ordinary ATM cards abroad, make sure your credit or debit card has a smart chip. The global standard is “chip and PIN” technology, meaning you’ll need to enter a PIN after the terminal reads the card’s chip. Call your credit card company and ask for a new card with a smart chip for the “chip and signature” option. Most cards without the chip will still work sans-PIN at most automated kiosks though, since a signature is generally not needed for purchases under $50.

Another thing to keep in mind when pulling out the plastic abroad: When in doubt, go with the debit card. Though your bank likely charges a currency conversion fee in transactions abroad, credit card fees are usually almost twice as high as debit card transaction fees. Capital One does not charge foreign transaction fees at all, so it may be worth getting one just for your travel use. If you want other card options, the helpful site NerdWallet.com has a list of cards that don’t charge them either.

Roaming charges for calls can be another “under the radar”-type budget buster. Smartphone users can rack up big roaming fees unless they remember to switch on the device’s Airplane Mode and Wi-Fi when boarding the flight to a far-off place. Also remember to switch off the cellular mode.

Data usage costs more money overseas, but the International Data Plans from your provider are rarely the best option anyway; use Skype or Truphone instead (I’m a big fan of Skype) and, with a decent Wi-Fi signal, you can make international calls for dirt cheap. Estimate how much usage you’ll need. There is the ever-handy pay-as-you-go option or a monthly, flat-fee plan that allows unlimited calls in certain countries.

Alternatively, Facebook’s Vonage Mobile app enables globetrotters to make free international calls over Wi-Fi to Facebook friends who also download the app. If caller and recipient have iPhones, FaceTime is a great deal with one flat fee.

Now go have some fun!