What would you do?

Use a Halifax Clarity credit card for all the spending, and get the best rate at the time of purchase.

It could drop, but it could also improve... do you really want to exchange hundreds of pounds and have to worry about carrying it?

This.

Used mine in the canaries, morocco and a road trip in america. So easy, no hassle. You aren't charged on cash withdrawls from atm's either.
 
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