If you need Pounds or Euros - be sure to use an actual bank for the exchange. There are currency exchange businesses and they charge a fee and also set the exchange themselves. A bank doesn’t do that. Banks exchange it according to the actual exchange rate.
However, we never needed local money. We just used tap to pay. Only one time did we run into a café that didn’t take cards, so we got Euros from a bank machine. But that was one time in a 21 day trip.
I used my Apple Watch for 90% of my purchases. It was great to not need to take out my credit card or phone when paying. I was able to use my watch to pay for bus fare, train tickets, food, gifts, grocery. It was a fantastic benefit.
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