One in five of the 198 million Americans who have plans to take vacations this summer are planning to go abroad, with Europe being the most popular destination.

The attraction is not surprising given the strong US dollar, though uncertainty about the Greece debt crisis and default, and its impact (still an unknown), is a possible damper for some travel plans.

At this juncture, the UK Foreign Office has advised its travellers: “Visitors to Greece should be aware of the possibility that banking services – including credit card processing and servicing of ATMs – throughout Greece could potentially become limited at short notice.”

The Greek situation aside…If you are preparing to travel abroad, here are some tech-related tips on the basics to make sure you have a great, safe time.

Cash or credit cards?

It’s a simple but complex question. Many small proprietors in Europe only take cash. So, you will need to travel with a certain amount of cash.

Starting with currency basics, there are many apps that can show you instant conversion rates, no matter what country you are visiting. And now, ordering currency online can make your life easier. Order Euros online from your bank in advance and get delivery direct to your home or for pick up at your local bank branch in 1-3 business days.

If you need to find an ATM on the fly while abroad, try an app such as as ATM Locator available on the Android platform or iOS.

At the end of the day, most security experts advise against using your debit card for anything beyond cash withdrawals at ATMs. For other transactions, use cash or a credit card.

Using Your Mobile Abroad

Probably chief among the tech challenges for most of us when traveling abroad is using your cell and smartphones. Cell phones and other mobile devices from North America don’t automatically work in Europe. Europe uses the GSM network and much of North America primarily uses the CDMA network. Some US cell phone companies use GSM (T-Mobile, AT&T), but many do not.

To be able to use phones whether they are public phones, landlines or a mobile phone, please confirm the situation with your personal device manufacturer and service provider before you leave for your trip.

Among your options, is to rent a European cell phone. Telestial, for example, offers standard rental package which comes with a SIM with a UK number. That means that if you are calling to other countries, there are calling charges. For lowest calling charges rent the phone and then purchase a local SIM either in advance or when you arrive.

If you can use your own phone, get an international calling and data plan. Roaming charges have improved, but can still add up very quickly. Before you leave, contact your carrier for an international data and calling plans. Also check how to access your Cell phone voicemail when traveling abroad; it may be different than when you are at home.

Turn off the phone when not in use. Turn off 3G (or 4G), cellular data and data roaming when not in use. Another quick fix is turn your phone on “airplane mode.’ Disable automatic downloads and app updates, or restrict this feature to operate only when connected to Wi-Fi. Reset all your usage statistics (so you can keep track of how much you are using your phone, whether it’s texting, voicemail, etc.).

You might also want to pick up a local calling card, as old school and non-high-tech as that seems. J In many cases, these cards offer better rates to cellular networks in foreign countries than are available in the U.S.

“Free” Wi-Fi considerations

Wi-Fi is ubiquitous now and that’s a good thing. But you need to be careful. This is where a lot of data gets stolen. Whether it’s at a café or your hotel, you should ask staff to tell you the name of the network. Many scams simply say “Free Wi-Fi” and people innocently connect with them…

As another simple precaution, avoid disclosing any sensitive information online in a free Wi-Fi hotspot. This would include banking, credit card information, or other personal data.

I highly recommend using AVG’s Wi-Fi Assistant, a free app that allows you to encrypt your data when on the move and helps save battery by shutting off your smartphone’s Wi-Fi when not in use.

Oh, and finally, be sure to leave that selfie stick at home J. (They have been banned at many tourists sites!)