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Depending on where you travel, currency exchange rates can either help you get great bargains or make your trip surprisingly expensive. No matter how strong your home currency is relative to the local currency, however, you want to make sure you're getting the best exchange rate possible whenever you need to get cash or make a purchase. You don't want to carry a ton of cash with you (see step 5), but you also should try to have enough cash so that you don't get stuck having to make a currency exchange at high rates. They are convenient, and sometimes (especially in an emergency after banking hours) indispensable, but they frequently charge very high prices in return for the convenience. Converting from one currency to another can be confusing, and if you're dealing with large sums or if you're traveling in a country with high inflation, a calculator is a valuable addition to your daypack.


By doing so, you get the same exchange rates that the banks offer to each other, with no middleman adding extra fees for the exchange. You're more likely to get a good rate in large cities than in small towns--in some countries, you won't even be able to exchange money outside the city.
If you do so, make sure you know the current exchange rate, and take the time to do the math before making a purchase. Many countries require licensing for currency exchangers; look for certificates or government stamps of approval (and know what they should look like).
Some banks and credit card companies, however, will charge you a fee of as much as 3 percent on foreign transactions, so you need to do some research before you leave home.


When you do use an ATM, be sure to check how much it will charge you--some foreign ATMs charge $5 or more. You've got to watch out for these tricks and find out in advance the net amount you will receive from an exchange.



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27.02.2014 | Author: admin



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