Voilà une petite question à laquelle ma banque (banque postale... moui c'est pas une vraie banque, la preuve...) n'a pas su répondre! 🤪
Un petit exemple pour illustrer ma question:
Le cours du dollar en ce moment est de: 1, 36 $ pour 1 euro.
Je viens d'acheter des dollars on me les a vendu : 1, 263 $ pour 1 euros. Frais normal pour un change. Si je les revends bien sur là ce sera 1, 43$ pour 1 euros...
Idem pour mes traveller chéque en dollar alors qu'on m'avait affirmé qu'il n'y avait aucun frais et qu'ils était facturé au cours du jour.... passons.....
Ma question: Si je retire de l'argent à un distributeur aux états unis par exemple. En plus des frais de retraits liés au distributeur à quel taux va t-on me facturer des dollars????
Même question si je paye chez un commercant avec ma carte. C'est sans frais selon ma banque mais à quel taux va-t-on me facturer mon achat? Cours de la bourse ou taux de la vente de devises de la banque? Il y a quand même plus de 7% de différence...
Pourquoi cette question me direz vous?
Pour savoir quel est le moyen de paiement le plus économique.
Pour savoir aussi quel taux je dois réellement prends en compte pour le cout de mon voyage.
Et aussi car je viens de me faire avoir de plus de 50 euros par ma banque qui m'a conseillé d'acheter des traveller cheque en dollar pour l'indonésie (car sans frais selon elle et conseillé pour cette région...??)... alors que des frais j'en ai eu bien sur: ceux du change!!! Avec des travellers cheque en euros j'aurais eu des frais bancaire certe mais bien moins élevé que mes frais de change!!!! (11 euros ds mon cas....au lieu de plus de 60 euros: grrrr....). a cela je vais devoir ajouter les frais pour changer mes travellers dollars en euros... il ne va pas me rester beaucoup de roupia!!🙁
"Si je retire de l'argent à un distributeur aux états unis par exemple. En plus des frais de retraits liés au distributeur à quel taux va t-on me facturer des dollars????"
Au taux interbanquaire, ou quasiment.
"C'est sans frais selon ma banque mais à quel taux va-t-on me facturer mon achat?"
Ah bon, sans frais ?
"Pour savoir quel est le moyen de paiement le plus économique. "
Tirer des euros en zone euros, les changer en banque dans le pays d'utilisation.
Euh.... c'est quoi le taux interbancaire... le cours "officiel" de la devise soit: 1, 36 dans mon exemple ou le prix de vente de devise par la bancaire soit 1, 263?
"Ah bon, sans frais ? "
Et oui la banque postale n'est pas rapide et sait rarement répondre aux questions mais niveau frais elle est imbattable! Mais qud j'étais la la caisse d'épargne il me semble que mes achats à l'étrangert chez les commercant étaient sans frais également. Par contre je n'ai jamais fait attention aux taux de change pratiqué....
Le plus économique et donc de payer directement avec sa carte bleue quand on peut.
Un peu moins économique mais reste interessant: retirer de grosses sommes d'argent en devise locale en une seule fois directement dans une banque (frais de 5, 5 euros fixe par retrait dans mon cas).
Partir avec plein d'euros n'est pas forcement avantageux. En plus du risque de vol il y aura les frais de change sur place (8 à 12 % environ d'apres ce qu'on m'a dit).
Bon j'ai mes réponses :).
Les travellers cheques en dollars étaient une tres mausvaise idée.....j'aurais du demander ici plutot qu'a ma banque 😉
J'ai vérifié sur les docs remis à l'ouverture du compte: comme d'hab les conseillers se sont trompés......
Paiement chez un commercant hors zone euros: 2, 2% avec un minimum de 1 euro
Retrait aux guichet automatique: 3, 5 euros +2%
Retrait aux guichet des banques 6euros +2% (mais normalement 5, 5 euros avec la banque de mon conjoint :).... a verifier....) lol
Ok 🙂, pas de mention de plafond mais de tout façon je ne compte pas retirer des dixaines de milliers d'euros🙂.
Je vais me simplifier la vie et considérer un taux de change égal au taux interbancaire moins 10% pour couvrir les frais ou de change (espèce) ou de retrait ou de paiement... En moyenne on devrait être un peu en dessous...
Tirer des euros en zone euros, les changer en banque dans le pays d'utilisation.
Finalement je pense que tu avais raison est que partir avec des euros est la solution la plus économique. J'avais basé mon estimation du cout du taux de change sur place sur de mauvaise information. Une personne sur place m'a donné un taux de change de 13700RP pour un euro le 8 mai à Ubud. Moi j'avais sur un site internet la roupia à plus de 15200 pour 1 euro! soit une belle difference de presque 9%!! Mais voilà ce site c'est : http://www.mataf.net/fr/conversion/monnaie-1 Et en fait il apparait pas fiable du tout!!! Aujourdhui sur ce site: 1 euros=15255Rp. Sur Yahoo à l'opposé on trouve: 14166Rp. Pas du tout pareil!! Ce qui fait que finalement le change euros contre roupia sur place ne doit pas couter plus de 2 à 3%. Quelqu'un peut me confirmer cela :) je me coupe un peu les cheveux en quatre pour rien... je sais... qud j'ai une idée en tête ... lol
justement, avez vous une idée du cout total d un retrait de 500 euro ds un dab en thailande ? sachant que pour cette somme ma banque me prend le max au plafond (8 euro) dois je rajouter des frais de change sur un retrait a un dab ?
je n'ai pas la possibiliter de prendre l option TC, trop tard pour mon depart
quelle est solution est la plus economique ?
D'apres ce qu'on m'a expliqué pas de frais de change sur les retrait aux distributeurs, juste des frais bancaires. La devise locale t'es facturée au prix interbancaire pas au prix de vente de devise par la banque.
Par contre en thailande je ne sais pas mais à bali il est parfois difficile de trouver des distributeurs donnant en une seule fois de grosse somme d'argent. On m'a signalé par exemple que en dehors des principales villes il était difficile de trouver des distributeurs donnant plus de 500 000Rp soit environ 35 euros.... Et comme une partie des frais bancaire sont fixes ça revient à cher en %!!!!
Absence de frais au niveau du change je voulais dire, pour les frais de banque je sais qu'il y en a ..
En gros, si je retire 100 euro, que ma banque me prend 7 % de frais ( au pif hein ... )
mon compte sera debite de 107 euro et basta ??
Si cela marche comme cela, pourquoi certain conseil de voyager avec tra/liquide/carte
sachant que les frais bancaire +frais de change prennent plus de 10 % des sommes sorties ....
Imaginons que vous retiriez en devises l'équivalent de 100 euros au taux entre banque, votre banque va vous prélever :
100 euros
+ Un forfait de 3 euros
+ Par exemple 2, 5 % des 100 euros, soit 2, 5 euros
"sachant que les frais bancaire +frais de change prennent plus de 10 % des sommes sorties ...."
Les frais de change sur du cash ce n'est pas 10%....
Je suppose que ça dépend des pays, et aussi des bureaux, mais en Turquie par exemple quand l'euro est à 2, 10 TL, il se change vers 2, 06. 2% environ.
Ok donc en gros, il n'y a quasiment aucun interet a retirer qque chose comme 500 euro en liquide en france et d aller les changer ds le pays concerné ?
"Ok donc en gros, il n'y a quasiment aucun interet a retirer qque chose comme 500 euro en liquide en france et d aller les changer ds le pays concerné ? "
Ben si.... C'est ce qu'il y a de moins cher en général 😏.
Les traveller chéques me semblent la solution la plus couteuse. Peut-etre le prix de la sécurité.....
Les retraits aux distributeurs peuvent etre interessant à condition de pouvoir retirer des grosses sommes à chaque fois. Pas évident partout....
De plus je crois que certaines banque locales ajoutent leurs frais aux frais de notre banque et là c'est l'inconnue totale... (quelqu'un peut confirmer ce point??)
Le retrait au guichet de la banque directement et dans le cas de mon conjoint (banque populaire) tres économique si on retire une grosse somme car frais fixe de moins de 6 euros sans pourcentage supplementaire sur la somme en question. Mais peut etre que la banque sur place prendra ses propres frais????
Quand à l'argent liquide. Acheter des devises à ma banque est assez cher (8% environ de frais de change).
Par contre les frais de change sur place semblent etre plus interresant...? Apparement les forumeurs estiment que le liquide est le plus economique les frais de change serait donc peut etre inférieur à 3% (en indonésie dans mon cas) ??? Donc le plus avantageux mais le plus risqué!
Certaines banques ont des accords entre elles et par exemple avec ma carte Visa de la BNP j'ai pu retirer des soles peruviens au distributeurs 'Scotiabank' sans payer de frais alors qu'en Bolivie ou je n'ai pas trouve de Scotiabank j'ai du payer 8.63 euros pour 215.86 euros retires et 6.04 pour 109.66 pour retirer des Bolivianos. Je pense que j'ai du economiser 50 euros environs.
Bons voyages,
Olivier.
Puissiez vous trouver de l'eau et de l'ombre.
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Hi,
I’m bringing Seresta, an anxiolytic (tranquilizer) from the benzodiazepine family,
to help me sleep.
I’ll have the prescription with me.
Will this be a problem at customs, and do I need to declare it?
Same question for antibiotics?
Thanks a bunch!
I’m heading to Laos next spring, but I have a question about the Thai arrival/departure form. I’ll be flying PAR-BKK, then taking the train to Laos (so exiting Thailand), and later re-entering Thailand by train to catch my return flight. Do I need to fill out two forms in this case?
Hi there,
I have a 9-seater passenger vehicle that I use for my business in Paris, transporting people.
I’m planning to go to Algeria with my family.
The vehicle registration lists my company as the owner.
Can I get a TPD (Temporary Admission Document)?
Will I need a KBis extract or a power of attorney?!?
Thanks for your help.
Worst case, I can add my personal name as a co-owner on the registration, but that would be a real shame!
Hi,
I’m writing to ask for some info—I’ve heard that you **must** have travel insurance to land in Zanzibar.
What’s the process, and which insurance should I get?
Thanks in advance for your feedback!
Best,
Seb
Hi there,
I’m a French citizen living in Switzerland, and I set up an RV LLC in Montana, USA. Through that, I was able to register 3 vehicles (an RV, a Jeep, and a Harley) with Montana plates.
I’d like to spend 3 months in Mexico, but it seems complicated—maybe even impossible—to cross the border from the US with all 3 vehicles.
Can anyone give me some advice?
Hi, are there any travelers who’ve recently crossed the border between Karakalpakstan (Uzbekistan) and Beineu in Kazakhstan?
It was closed for a while.
Thanks for any info!
I bought a one-way flight (Ryanair) and a return flight (EasyJet) to spend a week in Morocco in April.
My passport expires 3 weeks after the return date.
Some websites say the passport must be valid for 3 months at the time of entry.
However, it will still be valid both on entry and return, but its validity will only be 1 month at the time of entry (and 3 weeks on the return date, everything prepaid).
It's an individual family trip.
The consulate can't give me an answer—they're still looking into it (really!)
Last year, we stayed for 3 months in Thailand, north of Khao Lak, and were able to benefit from the 2-month visa exemption, renewable for one month by going to Takua Pa to validate a 1-month extension (1,900 baht).
This year, it’s a disaster for us—not only were we planning a 4-month stay, adding a visa run in between (which some say is quite risky), but the law is apparently changing in the coming months with the return of the 1-month exemption (plus the usual 1-month option). So, we looked into applying for a 6-month multiple-entry visa, allowing a maximum of 60 consecutive days in Thailand. However, I can’t find anywhere the minimum time required outside Thailand between two stays—do any of you have an idea?
Thanks for the info! If you’d like tips on Khao Lak and the surrounding areas, we’ve got some experience, though things change fast!
Cheers,
Bruno.
My partner, our 8-year-old daughter, and I are going on vacation to Gex.
We’ve decided to spend one day in Switzerland and another in Italy. Will we need ID (national ID card or passport)? Do we also need ID for our daughter?
Hello,
We’ll soon be moving to Madagascar long-term.
As a French national, I need to obtain a short-stay visa that can be converted to a long-stay one. To do this, I have to send the required documents to the Madagascar embassy in Paris.
No issues with that procedure so far.
If I get this visa, once I arrive in Madagascar, I’ll need to provide the same documents to the Ministry of the Interior in Anosy. I’m trying to find an email address or website for the Ministry to check which documents I need to submit (I think they ask for additional ones).
If you have any info on this, I’d appreciate your replies.
Best regards,
M. Buisson Eric
I’d like to know if anyone has already applied for a private visa to Russia with an invitation from a Russian resident.
I traveled earlier this year with an e-visa, but since I want to stay longer, I’ll be visiting my friend who lives in eastern Russia.
For the visa application, does the invitation need to be on an official paper form issued by the Russian ministry? And most importantly, do I need to present the original for the application, or is there an electronic version that can be sent directly to the consulate in France?
Thanks for any info if you’ve gone through this process before!
I filled out the B2 form to apply for a visa, created an account on Atvis to pay the visa fees and schedule a meet-up, but every time I try to pay with my Boursobank Visa 1st card, they refuse the payment with a message telling me to check my details (address), even though everything is correct. Does anyone know why this is happening, or maybe they don’t accept Visa cards? Are you aware of this?
Thanks for your feedback!
Elisabeth
There are rumors going around about the ETA: it must absolutely be on your smartphone in the "ETA" app.
Paper documents might not be accepted.
Is this real or just a hoax?
Thanks, I’m leaving in 3 weeks. My passport is good to go and my ETA is still valid for a year, but I only printed the email I received.
Thanks everyone.
Hi there,
We need to apply for a B2 visa because we visited Iran in 2018. It currently costs $185, but they’re planning an additional $250 fee per person for the same visa—it’s been approved but not yet implemented. Does anyone know when this fee will take effect?
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Hi there,
In November, we're heading off on a 4-month trip. We'll be landing in China and plan to leave the country via a land border into Vietnam.
I’ve read that China may ask for proof of exit within 30 days (flight ticket or other reservation). Since we’d be leaving by land, I’m wondering how this works in practice.
Has anyone here been in this situation recently?
Did the airline ask for an exit ticket before boarding?
Did Chinese authorities require proof upon arrival?
Is a train/bus ticket to Vietnam sufficient?
Is a cancelable or flexible reservation accepted?
Hi there,
Just a question that’s probably been asked before (though usually the other way around for my situation :))
My wife and I are heading to the US.
On her ticket, it only has her maiden name (e.g., Martine DUPOND).
On her passport, it’s written as Martine DUPOND épouse AVRY.
No issues for travel, I hope I did the right thing with the ticket?
Then for the ESTA, is just Martine DUPOND enough, or do I need to include the "épouse AVRY" part like on the passport?
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Hi there,
I’m spending a few days in San Pedro de Atacama (Chile) and would like to cross the Argentine border to make a loop toward Salta and then return to Chile to drop off the rental car.
I’ve heard that crossing the border can be tricky!
Is it possible with a rental company’s authorization? Which company, and at what cost?
Thanks for sharing your experiences!
Best regards,
Arnale
I saw on the French Embassy in Peru’s website and the Peruvian Consulate in Paris’s site that the rule is to have a passport valid for 6 months *after the arrival date* (not the return date).
I arrive in Peru on August 13, 2019 (for about twelve days), and my passport is valid until February 16, 2020.
That’s 6 months and 3 days after my arrival date in Peru. In my opinion, I’m good to go.
But could I still be denied entry if they say I don’t cover the return date or that I’m too close to the 6-month mark?
I read on the French Ministry of Foreign Affairs website that it’s possible to apply for a temporary driving permit in China, valid for 1 month.
I’m planning to rent a car (without a driver) to explore part of the country next August, so I was wondering:
Has anyone here already gone through this process upon arrival?
How long do the formalities take on the spot?
Is it possible to handle these steps in advance, before arriving in China?
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My departure is slowly approaching, and now that I’ve got my Russian visa sorted, I’m fine-tuning the rest of my trip to Tajikistan. Since the Tajik visa is no longer required for stays under 30 days (for French nationals), I’ll need to visit the Ministry of Interior (OVIR) to register within 10 days of entering the country. No big deal, though, since I had to go there anyway to apply for my GBAO permit. 😉 However, I’ve *seen* several reports from travelers (mostly motorized) mentioning that you need an entry permit for Kyrgyzstan, which has to be arranged in advance at the Kyrgyz Ministry (consulate?) in Dushanbe. Otherwise, you’re *stuck* at the Kyzyl-Art border (with no Wi-Fi, of course, to try and sort it out). The most recent report was from a year ago, so I’d love to know if this is still the case and if it’s indeed at the Kyrgyz Ministry (consulate?) where you need to go for this pre-authorization.
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Hi everyone.
I’m leaving for almost 3 months in the Philippines (11 weeks total) starting in early May.
I already have my round-trip ticket.
The problem is, I don’t have time to get a 2-month visa because the process takes nearly a month.
From what I’ve read here and there, I need a return ticket valid for less than a month when I arrive in the Philippines to prove my good faith.
After that, I can apply for a 30-day extension at the immigration office.
I’m planning to either buy a fully refundable ticket to the nearest country or a fake ticket.
For 3 months, I’ll need to extend my visa two more times before my return date to France.
My question is this:
Will immigration ask me each time I extend my visa by one month to show proof of an exit ticket matching the new visa extension date?
Is it possible to extend directly by 2 months before the initial 30 days expire?
Thanks in advance for your experiences and tips! 😊
I’ve been to Thailand several times, but it was about 20 years ago…
There’s a new system in place now, it seems.
TDAC – Thailand Digital Arrival Card.
Before arriving, I apply for a TDAC, okay.
If during my stay I cross the border to spend a few days in Malaysia and then re-enter Thailand,
do I need to submit a new TDAC application?
Do I use the same TDAC as when I first entered the country?
Or do I initially have to pay for a Thai multi-entry visa?
Thanks in advance for your insights—I can’t find the answer online.
My partner (Mexican) entered France on January 21st as a tourist. She was therefore entitled to stay for 90 days in the Schengen Area. She’ll be leaving for Mexico on April 16th, so she’ll have “used up” 86 days.
She plans to return to France on July 18th. According to the European Commission’s Schengen calculator, this new stay “may be authorized for a maximum of 90 days.” That’s not very clear ("may be," "for a maximum of").
The text of Article 6 of the European regulation (2016/399) states that for a stay planned in the territory of the Member States, not exceeding 90 days in any 180-day period, one must examine "the 180-day period preceding each day of the stay." That’s not very clear either.
My partner wants to return to France for a 90-day period starting on July 18th. Is this possible?
There are two ways to look at it:
1) The first day she spent in the Schengen Area was January 21st. That day will drop out of the calculation 180 days later, on July 20th.
From July 20th, she’ll get back 1 day of possible stay; on July 22nd, 2 days; and so on. All the days from her previous stay (January 21st–April 16th) need to be outside the 180-day rolling window.
The last day of her stay was April 16th. Looking 180 days ahead, that brings us to October 13th. From that date, she’ll be able to return for a full 90 days.
2) The number of allowed days is calculated for each day of the new stay. In other words: the 180-day window is recalculated every day, not fixed at the entry date.
If she re-enters France on July 18th, she’ll only have a “credit” of 4 days. But with each day of her new stay, one day from the previous stay (January–April) will drop out of the calculation. The rolling window allows her to “replace” days from the previous stay with those of the new stay, without ever exceeding 90 days in any 180-day period.
In this case, my partner could stay in France for 90 days starting on July 18th.
The Prefecture doesn’t provide any information, nor does Air France, and in the forums I’ve checked, opinions are divided. Thanks for any insights you can share!
Hello,
We’re planning to travel to Indonesia (Sulawesi with family) next July and August for a stay longer than a month (about 6 weeks).
I’ve seen that it’s possible to get a 60-day visa before departure, but I’ve also read about people having a lot of trouble getting it (some even didn’t manage and had to leave without it).
We absolutely need to have these 4 visas BEFORE leaving because once we’re in Sulawesi, I’m not sure we’ll be able to go to an embassy to request a visa extension after 30 days.
In short, how can we **100% guarantee** that we’ll get our 4 60-day visas before our trip this summer?
Hello, HAPPY NEW YEAR 2026!
We’re heading back in October for a trip through Botswana, Zambia, and Zimbabwe.
I have a question: for our route, we’ll need to cross the Zambia and Zimbabwe borders twice each. From experience, I know we won’t have any issues with Botswana.
But for the other two countries, I can’t find a clear answer.
All your tips are welcome!
I’m currently a student on a gap year, and I don’t plan to go back to school right away. That said, traveling really interests me. But I’ve been wondering: does being a student come with any perks when you decide to go abroad? The real question is whether I should re-enroll in a program just to keep that status without actually attending.
hi everyone,
I’m French and live in France, and my Thai girlfriend just told me she’s pregnant—she lives in Thailand. First step, a paternity test to set my mind at ease. What steps do I need to take to recognize the child? Can I do it before the birth or only after? Where do I need to go, and what paperwork is required?
Just to clarify, I want him to stay in Thailand but be able to come to France anytime without any issues!
Thanks for taking the time to read and reply.