We started off doing the 'dummy wallet' thing on our trip but soon found it a pain to carry as well as my own wallet/cash.
Get an account that doesn't charge for foreign withdrawals and only take out reasonable sums at a time. If we were in a town/city we only took what cash we needed for the day (like a kitty) plus our faked up licences (needed for I.D.) and carried those in one wallet for the two of us. Everything else (cards, licences etc) was locked in the panniers in the room or if camping, on the bike with the bike's alarm on.
I also had spare cards under the tank but after a few months on the road, they were a slightly different shape thanks to the heat of the engine- still works though!
|