When you are planning to study abroad, it is not just about having enough money it is also about having the right money, in the right form, and at the right time. Between forex cards, wire transfers, online wallets, ATM withdrawals, and plain old cash, understanding how foreign exchange really works before you fly out can save you from losing thousands of rupees, dealing with unnecessary stress, or making that panicked 2 AM call home asking, ‘Can you send money, please?’

This guide walks you through everything you need to know about managing your finances when planning to study abroad the smart way! So instead of panicking over rent due on Monday while your bank’s customer service keeps you on hold with that same elevator tune playing on loop, you can focus on what actually matters acing your exams, exploring new cities, and making memories that last far longer than your forex card balance.