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admin 02.09.2014

If you have some time before you go away, use the Internet to check the currency exchange rates and figure out the best time to exchange your money so it works in your favour. As I mentioned previously, it can be a rip-off exchanging your money at the airport, so it’s best to pre-order your money before you leave. Whether you choose to change your money online, at your bank or a high-street provider, you should be looking at two things- the exchange rate and the commission they charge for exchanging your money. Have you ever tried to pay on card whilst you’re abroad and they’ve asked you if you would like to pay in the local currency or your own? Using your credit and debit card abroad can be beneficial because you’re not carrying cash around, and you get the exchange rate that the banks offer to each other. Sign up for my monthly newsletter and get FREE travel tips, giveaways & money saving deals to your inbox. Foreign currency exchange can be costly at airports, train stations and hotels, so plan ahead and make sure you change your money before you go.

Make sure you check the exchange rate on the day, so that you have an idea of what you should be getting for your money. Some providers offer a fixed commission fee no matter how much money you change, so it works in your favour to swap large amounts of money. Try to return the money to the place you exchanged it before you left, because they will often buy back commission-free if you keep your receipt. This is called ‘dynamic’ currency exchange and it is always better to pay in the local currency.
However although you get a good exchange rate, the downfall is that you get hit with ATM fees, commission and loading fees on purchases.
After graduating from university I decided there was more to life than the hours between 9 and 5, so I packed my journalism degree into my suitcase to travel the world and find a way to make money at the same time. You can usually have the money delivered to your home for little or no fee, or you can choose to collect your foreign currency from one of their retail outlets.

It might seem much more convenient to pay in your own currency, but they will offer you a poor exchange rate and you’ll end up paying more for the item.
Try to withdraw larger amounts at ATMs so that you don’t get charged every time you withdraw cash.
Shop around for a specialist card that doesn’t charge these ATM and transaction fees and use it just for your travels abroad, but remember to pay it off in full to avoid interest.

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