1. Wise: real exchange rates, multi-currency account. Set up before you fly. 2. Revolut: backup forex card, instant transfers. 3. Airalo: eSIM for landing day. Buy the plan on home wifi. 4. SafetyWing: travel medical insurance from ~56 USD per 4 weeks. 5. Google Maps: download your city offline. 6. WhatsApp: your landlord, classmates, and bank will all use it. 7. XE Currency: offline converter for the first market run. 8. Splitwise: roommate expenses without the fights. 9. Your university app: timetables, maps, and emergency contacts. 10. MoveReady: $9.99 one-time unlock. The pre-departure checklist that makes sure 1 through 9 actually happen, with a countdown to flight day. Sources: EducationUSA Download them on home wifi. Airport wifi plus roaming charges is how people pay 40 USD for 200 MB.
