Managing foreign currencies can be confusing however I hope these tips might assist you.
Traveller's Cheques are no longer accepted.
Exchanging Canadian/US dollars at your local bank or ordering foreign currency can be costly.
DEBIT CARDS are now the norm in getting foreign currency which is readily available at ATM's. It would be wise to travel with two Debit cards "just in case"!. I had one stolen from me and fortunately had another available. I contacted my local bank and told them to cancel the one that was stolen and that I would be then using the other. This would not always be easy to do should you be in a rural area but in that case you likely would not be near any shops either! Don't forget to take along your bank's phone number!
Be sure to tell your local bank where you are going and for how long.
South African Rands - a good exchange rate is approximately close to ten Rands per our Canadian dollar
Namibian Dollar - on par with South African Rands - all petrol is paid for in cash in Namibia
Pula - Botswana - Botswana accepts South African Rands & American dollars
Kwacha - Zambia - Zambia prefers their local (new) Kwachas but will accept US dollars.
Be sure to think about extra cash for TIPS before you leave home.