What if you convert to Euros and the Euro collapses? I sure would wait til the last minute if you are traveling to convert anything. If you have any personal debt, you really should be paying it off instead of traveling. Either that or just change it to physical gold currency (or silver currency) til you are ready to take your trip. You can just sell it off right before traveling if you wish. I still would not take the trip unless you don't have any personal monthly payment debt.