I also carried quite a lot of money and paid with my card to avoid the high fees. I have a credit card from a German bank that does not charge me any foreign transaction fees and in almost every country I am able to use any ATM free of charge; Opening a local bank account seems like a great option for a longer stay.
You did a bike trip for a year around South East Asia? This sounds like an amazing experience. I have done some smaller trips for up to two weeks in Australia, but nothing compared to your trip.
Happy New Year!
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