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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I bought a new apartment in Pattaya that will be finished at the end of 2013, and I’d like to buy more later...
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Hi everyone,
I have to leave for Perth, Australia in a week, for 7 days, and I couldn’t get my international driver’s permit due to processing and delivery delays.
The information I’ve found about whether an international permit is required is contradictory. Some sources say you need one, others say you don’t.
Could anyone let me know if an international driver’s permit is necessary to rent a car in Australia (Perth), or if a French license is enough for a 7-day rental?
hi everyone,
I need to apply for a new eTA for Canada.
do I need the number from my old eTA or not?
because I can’t find my old eTA number anymore.
thanks for your replies, have a great weekend
Hi there,
I know there are similar topics here and elsewhere, but they’re a few years old, and I need an up-to-date answer to make sure I don’t throw over 1000 € out the window. Thanks for your patience.
I’m planning a trip from France to Alberta/British Columbia, and I’m unsure about which bank card to use for the security deposit with the rental company (I’m thinking of going with AVIS).
I contacted Avis Canada, and they told me a credit card is absolutely required. I asked my bank for a credit card (a *real* credit card), but they only offered me a deferred debit card.
My question: For a rental with Avis Canada, is a Gold International Mastercard deferred debit card usable for the security deposit needed to finalize the rental? Is the "CREDIT" label enough? (Some cards say "CREDIT" and others say "CARTE DE CREDIT"—seems minor, but it’s actually a big deal in how the card works.)
I’ve seen conflicting info everywhere I look... My bank says it’s *usually* okay (the deferred debit card), while Avis Canada insists it *must* be a credit card, not debit—even when I mention the deferred debit card.
I know the whole credit card concept is already confusing, and on top of that, some sites say a deferred debit card counts as a credit card, while others say it doesn’t.
Thanks to anyone who can share a recent experience!
Have a great day
Hello everyone,
Could a resident of Benin (Cotonou) kindly let me know which is the best mobile phone and internet service provider?
Thank you very much,
Best regards,
Juan
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!
Hi everyone,
I’ll explain my situation.
Unfortunately, I lost my passport, and I only realized it two weeks before my departure for a humanitarian mission in Libya. I’m a nurse, and this mission really means a lot to me.
First, I applied for an emergency passport, but it was denied by the Val-d'Oise prefecture on the grounds that a planned humanitarian mission wasn’t considered an urgent reason.
So, I submitted a biometric passport application on July 20th. Since then, the tracking has been stuck, and the town hall can’t (or won’t) give me any clear information. Every time I call, I get a different story. The last update I received was that the passport had been produced since July 23rd with a status of "about to be shipped," but nothing since then.
I’ve managed to push my departure back to next Tuesday at the latest, but I’m starting to really panic.
Have any of you submitted an application around July 20th, especially in Val-d'Oise (95)? How long did you wait between the passport being produced and it being available at the town hall? Is it normal for this step to take this long?
This mission means so much to me. I had everything organized, and I’m also supposed to attend a friend’s wedding right after near the border.
Thanks so much to those who take the time to respond or share their experience. 😔
Can anyone tell me exactly if a passport "valid for the duration of the stay" is enough, or does it need to be valid for 6 months after the trip?
I checked the embassy’s website, but that info is missing.
Hi there,
I’ll be arriving in Seoul on November 18th after spending about a month in India.
Do you know if I’ll need to fill out any additional documents besides the e-arrival card?
Thanks in advance for your tips!
I’m a bit embarrassed because I need to travel to Quebec from February 27th to March 13th. I’m a regular visitor to Canada—this will be my 10th trip since 1997, plus a year as a permanent resident (2000–2001) and a cross-country run from Vancouver to Halifax in 2011. So, I’m definitely not a terrorist!
But since our last trip in July 2015, they’ve introduced this eTA thing. Seems more like a way to make money than to actually secure Canada, if you ask me, but anyway, that’s not the point.
I applied for an eTA for myself, my wife, and our two kids. They all got approved within hours, but not me! I was asked to create a GC key and then an IRCC account, which I did. Normally, you get news within 72 hours, but since Monday, January 15th, nothing!
In the "message" section of the account, it says "explanation letter (required)" with a deadline of January 25th, but I can’t find any explanation anywhere—despite searching the Canadian government website and Google. No links, nothing!
I’ve emailed them but haven’t heard back yet. I’m thinking of calling the Canadian embassy in Paris tomorrow. Even though I’m not stressing yet, it’d be a bummer if everyone else got to go without me!
If anyone’s had this issue before or knows what this explanation letter is about, I’d love to hear more.
hi there
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So, to anyone who’s successfully gotten the authorization, could you tell me which address you used to get that "elusive" approval?...
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I’m heading to Senegal in January for a month and was wondering if I just need my French driver’s license or if I should get an international permit?
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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?
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I have a 9-seater passenger vehicle that I use for my business in Paris, transporting people.
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I’m writing to ask for some info—I’ve heard that you **must** have travel insurance to land in Zanzibar.
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It was closed for a while.
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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?
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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).
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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?
Thanks in advance!
Elisabeth
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?
Thanks in advance!
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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?
