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Frommer’s lists exact prices in the local currency. However, rates fluctuate, so before departing consult a currency exchange website such as www.oanda.com/currency/converter to check up-to-the-minute rates.

New York City can be one of the most expensive destinations in the United States (and the world). You can pay more for lodging, dining, and transportation than almost anywhere else; however, in this guide, we steer you to the best values for your money at every level.

For the last couple of years, with the dollar taking a beating on the international market, the city was flooded with overseas visitors taking advantage of the lopsided exchange rate. Since most other currencies took a hit in the worldwide financial crisis of late 2008, the city’s not such a bargain for international visitors at the moment, though as we discuss elsewhere, hoteliers and restaurants have lowered their prices in response to the downturn. In terms of how much to bring: not that much in cash. You never have to carry too much cash in New York, and while the city’s pretty safe, it’s best not to overstuff your wallet (although always make sure you have at least $20 in cash for small purchases).

ATMs -- In most Manhattan neighborhoods, you can find a bank with ATMs (automated teller machines) every couple of blocks. Most delis, many restaurants and clubs, and other stores have an ATM on premises, so if you need cash quickly, you’re probably never more than about 100 feet away from one. (Though keep an eye on the fees imposed for using the ATM; they will go on top of whatever fee your bank charges; and note that in some bars and clubs, where you can’t leave once you’ve paid your admission, the withdrawal fee is hefty.)

Beware of hidden credit-card fees while traveling. Check with your credit or debit card issuer to see what fees, if any, will be charged for overseas transactions. Recent reform legislation in the U.S., for example, has curbed some exploitative lending practices. But many banks have responded by increasing fees in other areas, including fees for customers who use credit and debit cards while out of the country—even if those charges were made in U.S. dollars. Fees can amount to 3% or more of the purchase price. Check with your bank before departing to avoid any surprise charges on your statement. For help with currency conversions, tip calculations, and more, download Frommer’s convenient Travel Tools app for your mobile device. Go to www.frommers.com/go/mobile and click on the Travel Tools icon.

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.