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Tag Archives: banking

Smartest Ways to Spend Money Overseas

When you are planning to travel overseas on a vacation or a business trip, understanding how to manage your money and the smartest ways to do so can help you with saving money and properly spending it without risk or potential theft. Taking a few precautions to keep your money safe and organized when traveling overseas will allow you to feel more comfortable in a foreign country regardless of the amount of money you plan to travel with while you are there.

Research Your Banking Fees

Some ATM and debit cards that are offered in your native country may add foreign travel fees when you choose to head overseas, regardless of your reasoning. Be sure to research the credit and debit cards you have in your name before you book your trip to ensure you are not caught off guard when you reach your destination and want to withdraw money.


You should also call the company that issued your credit card to ask about any special PIN numbers you may be required to setup based on where you plan to travel and how you want to access your money while you are there.

Obtain Traveler’s Checks

Before you head overseas, obtaining multiple traveler’s checks is highly recommended to help with ensuring you have an additional source of cash if you are unable to use your ATM card or if you have experienced theft or the loss of the money and credit cards you may have had on you.

Use the Proper Currency


Obtaining the currency of the country you are visiting before you actually leave for the trip will help you feel more prepared and adjusted once you arrive. When you have cash on hand that can be used immediately upon landing overseas, you are more likely to feel comfortable while also having the ability to make any purchases you deem necessary before withdrawing your own cash.

Keeping Your Money and Belongings Safe

Although you are planning to spend money overseas, keeping your money visually out of view at all times is often necessary to avoid potential pickpockets and the loss of the cash or credit cards you have on you. Only carry the cash you need for the day and avoid walking around in a foreign country with all of your money, traveler’s checks and credit cards on you at once. Instead, only carry enough money with you to cover one to two days at a time while you are in a foreign country, which will ensure you have additional money in case of theft or a loss of your cash and credit cards.

Withdrawing the money you will need on you ahead of time before you leave for your trip will also ensure you are capable of doing so, regardless of where you are planning to travel and whether or not there will be an ATM available upon your arrival to your destination.

Written by Natalie Brooke

Natalie has travelled extensively in the past twelve months to over 30 countries. She uses cash passport cards from Travel Money Oz every time she travels to keep her travel money safe. She prides herself as a thrifty traveller and loves sharing her thrifty practice with her readers.