Currency exchange while traveling: why do some still carry wads of cash?
FR

Translated into English.

TA Tatra Globetrotter ·
What I’m left with is a square, Cartesian mind...

The mindset of someone proving God’s existence? 😏 When it comes to science, you’re collecting all the high-school clichés.

but enough to know that in most cases, using a debit card to withdraw cash is the cheapest way to spend money abroad.😉

Paying by card is cheaper than withdrawing cash with ATM fees.

Finally, physical cards are becoming more and more like fossils. Smartphone payments are the way forward now.

A risk you don’t want to take before your departure flight.

Michel
RO Rotsaka Globetrotter ·
Doubt... dubitation... in short, you're hesitant about paying by phone due to technical limits like access to recharging or network coverage, etc...

Concerns that aren’t backed up by experience. Here in Africa, we’re moving more and more—and very quickly—toward a cash-free society. A huge amount of transactions are now done by phone, even in a rural market or a neighborhood grocery store. And yet, these aren’t the places where access to electricity or network coverage is most developed.

I can go weeks without handling cash and still visit places so exclusive that credit-card-carrying tourists never even hear about them...

Honestly, when I return to Europe, it feels strange to go back to cards and cash and no longer be able to easily send money to my loved ones in an emergency. Things that Mobile Money makes possible for very little cost.
MA Manondugard Regular ·
" Not to mention that walking around with loads of cash means constantly worrying about getting it stolen." That’s your fear, not mine. Why? Because no one knows I have it. 😏 On the other hand, everyone can see all your comings and goings to and from ATMs. 😄
Christine
AT Attila Globetrotter ·
You pontificate, I collect clichés—all is well.

Paying by card is cheaper than withdrawing cash with ATM fees.

Absolutely, I never said otherwise.

You should reread the discussion....

But sometimes, in certain destinations, cash is necessary, which is why we end up hitting the ATM (you’re making me repeat myself too...).

A move to avoid when boarding your outbound flight.

You’ll have to ask Masterpo about that.
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
HE Henon21 Veteran ·
Hello, Paying to access your own money almost anywhere in the world makes sense to me—a service comes with a cost, same as when you entrust it to an institution. Worrying about carrying cash? Sure, in some countries, but I also stress over my bank cards, especially back when "cloning machines" (the "iron") were a thing. That said, cash is still essential as soon as you step off the tourist trail, in places without electricity, or for other reasons like in Cuba. Some travelers will mix both. Safe travels!
HENON Eric
RO Rotsaka Globetrotter ·
Like I said, do exactly what you want. You feel superior and part of some kind of tourist elite because you pay with cash and look down on the card-paying plebs. More power to you, really.

Personally, I don’t feel pride or shame about any of it. I didn’t even know this could be such a long-winded topic or even a reason to bicker with fellow forum members.

But apparently, you need a bone to chew on. Well, go ahead—mine are at your disposal.

For my part, this is the end of it. I knew I shouldn’t have stuck my foot in this mess. Oh well.
TA Tatra Globetrotter ·
You pontificate, I collect clichés, all is well.

You don’t like being explained to; that’s normal, you’ve got the beautiful certainties of a delayed high schooler. In that case, you shouldn’t have asked.

You should ask Masterpo.

Masterpo’s the guy who was recently claiming that nowhere in Europe do you board a plane without showing ID? No, thanks.

Michel
AT Attila Globetrotter ·
Warnings that aren’t backed by experience. Here in Africa, we’re moving more and more—and very quickly—toward cash-free systems. A huge amount of transactions are now done by phone, even in a rural market or a neighborhood grocery store. And yet, these aren’t the places where access to electricity or network coverage is most developed.

This info is really interesting and updates this discussion. 🙂

I was actually thinking more about the Altiplano, where I recently traveled. Many areas have no network coverage, and that can sometimes be a problem.

For electricity, I was thinking more from the perspective of the carefree traveler. I often run out of battery on my camera. The same thing could happen with my smartphone... I can recharge using my vehicle, but not all the time...

Maybe you can tell me if there are systems that work with elbow grease or solar power?
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
AT Attila Globetrotter ·
I’m celebrating this discussion. You two would make a cute couple, you and Manon. 😄
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
MA Manondugard Regular ·
"You feel superior and part of some kind of tourist elite because you pay with cash and look down on the plebeians who use cards.

I live on social benefits, among other things, and I’m careful with my money and expenses even though I travel all the time. See how the internet distorts everything—you’ve just proven it to me. End of discussion as far as I’m concerned!!!
Christine
RO Rotsaka Globetrotter ·
Good evening, I’m not trying to teach anyone anything—I’m just sharing what the situation is like here.

There are solar chargers, and more simply, power banks. That’s why I’ve never run out of battery with my mobile money, even when wandering through the really remote areas of Madagascar or Central Africa.

As for the network, Starlink is available in more and more places too, when the local network happens to fail.
TA Tatra Globetrotter ·
It’s my party in this thread. You and Manon would make a cute couple.

You asked me to explain. Since you don’t know jack about epistemology, of course it feels weird to you.

Michel
MA Mathews Globetrotter ·
I live on social benefits among other things, and I watch my money and expenses closely even though I travel all the time

This part needs some explaining, even if it’s not the main topic. I wonder how someone can live on social benefits and still afford flight tickets. Traveling costs an arm and a leg, after all. Unless you’re a CAC40 CEO flying private, of course. 😎
MA Mathews Globetrotter ·
Since you don’t know jack about epistemology, of course it sounds weird to you.

What’s the connection between withdrawing money, exchanging currency while traveling, and epistemology?
TA Tatra Globetrotter ·
What’s the connection between withdrawing money, exchanging currency while traveling, and epistemology?

That’s Agnès’s question. I’m not supposed to work when I’m chatting on VF.

Michel
MA Manondugard Regular ·
I live on social benefits, among other things, and I watch my money and expenses closely, even though I travel all the time

This calls for some explanation, even if it’s not the main topic. I wonder how someone on social benefits can afford flight tickets. In case you didn’t know, traveling costs an arm and a leg. Unless you’re a CAC40 CEO flying private, of course. 😎

Simply because you don’t know who’s eligible for social benefits—just like the over 10% of French people who are entitled to them but don’t claim them because they’re unaware of their rights (it’s that simple). 😏
Christine
AT Attila Globetrotter ·
You're not planning to go again? I can understand that. 😉
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
AT Attila Globetrotter ·
I wasn’t aware of these alternative ways to load up on cash.

I’ll have to look into it for my trip to Central Asia.
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
AT Attila Globetrotter ·
Who works for VF?
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
MI MirandaMouse Globetrotter ·
In my case, my foreign payment card is a bit special—I get charged more if I make withdrawals.

That’s more or less true for all cards. They either allow a few free withdrawals (e.g., 3 with Bourso) or a fee-free amount (e.g., 200 € with Revolut), but after that, it’s pay-to-play. Still, way cheaper than traditional bank cards, though.

(I won’t go into details, it’s not interesting)

Oh, but there are people here who *love* this stuff.

It’s a special card, so not super useful. I’d end up paying higher fees when I get back than I would for foreign currency payments—that’s the main thing. So I don’t want to withdraw with this card.

True, I’m paying in cash less and less these days.

In Sweden, cash is barely accepted anymore. The same was true in Scotland, where I ended up exchanging money for nothing—at the airport, no less—because I was staying in a 100% residential neighborhood and was worried I wouldn’t be able to buy a bus ticket without cash...

In Denmark, on the other hand, since I didn’t want to withdraw cash just to pay for the bus (which didn’t take cards), I bought a ticket through an app—something I’m not a fan of, though.

I think we’ll exchange a little money to have some kroner. My mom likes paying in cash.
http://www.lasourisglobe-trotteuse.fr/

Des milliers de photos et plein de conseils d'une souris pour voyager low-cost en Europe et hors des sentiers battus
MI MirandaMouse Globetrotter ·
Your approach is a bit of a gamble. You can exchange a lot when you arrive in a country if the exchange rate is better the next day (which happens often in many countries), and then you really regret having exchanged all your cash. In most cases, it's best to avoid exchanging cash at the arrival airport—the rate is often unfavorable, but everyone knows that. Those who use ATM withdrawals with online bank cards like Fortuneo or Revolut are right, but the downside (whether you have one or multiple cards) is the risk of having your card "eaten" by the machine. If that happens on a Friday night, unless you wait for the bank to open Monday morning, you’re without one of your cards for a while... So having one or more online bank cards is good, but having some cash with you is even better.😄

I have two cards (low risk of both failing) and usually a euro bill just in case...

And if I’m not traveling alone, the other person has a card too!
http://www.lasourisglobe-trotteuse.fr/

Des milliers de photos et plein de conseils d'une souris pour voyager low-cost en Europe et hors des sentiers battus
SO Solene40 Globetrotter ·
Personally, I don’t feel pride or shame about any of this. I didn’t even know it could turn into such a long discussion or even a squabble with other forum members.

Totally, Rotsaka—but I’ll admit I’m laughing reading all this and seeing the energy some people spend trying to save a few euros, which amounts to 0.0…% of the total trip cost (especially now that most of us have fee-free foreign transaction cards).

But you’ve got to admit, Manondugard really gets VoyageForum going, and that’s not a bad thing! 👍😄.
Le monde est comme un miroir, si tu lui souris, il te sourit aussi!
AT Attila Globetrotter ·
the energy some people spend to save a few euros, which represents 0.0...% of the total trip cost (now that we almost all have fee-free foreign transaction cards here).

True enough! !😄

As for the rest, the number of closed discussions keeps multiplying, and I’m not sure the language used—plus the insults—helps attract people to this forum.

Not really the vibe we were hoping for.
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
MA Manondugard Regular ·
no-fee cards still have fees 🤪 Maybe you can tell us which one you use, instead of doing what everyone else does—singing the praises of these cards for 6 years without ever naming theirs 🤪 If paying a few euros to access your money isn’t an issue for you, either you’re loaded or you just don’t care—but I do.
Christine
MA Manondugard Regular ·
"not the expected vibe" The kind where you don’t help others by refusing to share info that doesn’t compromise confidentiality—it’s clear this kind of behavior is accepted here by everyone 😬
Christine
MI MirandaMouse Globetrotter ·
Well, my mom says that with her cards she probably has high fees, so she prefers to exchange cash.

Except that exchanging cash isn’t free either, so then it’s just a bunch of annoying calculations...
http://www.lasourisglobe-trotteuse.fr/

Des milliers de photos et plein de conseils d'une souris pour voyager low-cost en Europe et hors des sentiers battus
MA Manondugard Regular ·
actually, you never know what you're paying because it's a pain to try and figure it out or even find out 😂
Christine
SO Solene40 Globetrotter ·
Yeah, you're right, I don't care 😂.

I don’t have any secrets—I just use a Boursobank visa card—but in 2025, there’ll be plenty of options 😍. https://www.tourdumondiste.com/argent-carte-visa-master-card-tour-du-monde.
Le monde est comme un miroir, si tu lui souris, il te sourit aussi!
SO Solene40 Globetrotter ·
For the rest, the number of closed discussions keeps multiplying, and I'm not sure that the language used plus the insults are helping to attract people to this forum

Oh! Looks like I missed a few episodes !
Le monde est comme un miroir, si tu lui souris, il te sourit aussi!
MI MirandaMouse Globetrotter ·
Honestly, you never really know what you're paying because it's a pain to figure it out or even find out 😅

I know I pay more for withdrawals than for payments, though.
http://www.lasourisglobe-trotteuse.fr/

Des milliers de photos et plein de conseils d'une souris pour voyager low-cost en Europe et hors des sentiers battus
MA Manondugard Regular ·
Last-minute visa?
Christine
SO Solene40 Globetrotter ·
It just says "Visa" on it, and since I've had it for several years, I don't know if it's still valid 😅
Le monde est comme un miroir, si tu lui souris, il te sourit aussi!
AT Attila Globetrotter ·
Well, there’ll be three links to that site in this thread—two of them on the very last pages. 😏

What an ad! !😄

Still, you’d actually have to click on it...
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
SO Solene40 Globetrotter ·
My bad, I didn't read the full thread history—I'll delete this.
Le monde est comme un miroir, si tu lui souris, il te sourit aussi!
AT Attila Globetrotter ·
Well, maybe this time the link’s page will actually get read. 😛
Ponts du monde : concours de photos amical de juillet 2026 Rubrique Jeux Voyages C'est le moment de poster vos meilleurs clichés !
JO Jojoone1 Globetrotter ·
Some people would do better to spend their energy encouraging those who post travel journals, if you know what I mean.
« Tout le monde s'interroge sur comment laisser une meilleure planète à nos enfants, mais on devrait plutôt penser à laisser de meilleurs enfants pour notre planète. » Clint Eastwood
DJ Djalma Globetrotter ·
Personally, I never stay long in one city. I just pass through when necessary. I’ve had my card blocked in an ATM before... the worst part was that the ATM gave me the receipt for the amount I requested but kept both the cash and my card! It was a Friday night, and I really didn’t feel like waiting until Monday to get my card back. So I left it in the bank’s ATM and left without any cash. It took months of procedures to get reimbursed! Since then, I avoid ATMs and stick to cash, which is still often necessary in remote areas of Africa, Madagascar, and even Latin America, for example... In some countries, when you stray from tourist routes, cash—contrary to what’s often said here—is still very useful, even today.
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY
MA Manondugard Regular ·
Personally, I never stay long in a city. I just pass through when necessary. I once had my card blocked in an ATM... the worst part was that the ATM gave me the receipt for the requested amount but kept the cash AND my card! It was a Friday night, and I really didn’t feel like waiting until Monday to get my card back. So I left it in the bank’s ATM and left without any cash. It took months of procedures to get reimbursed! Since then, I avoid ATMs and stick to cash, which is still often necessary in remote corners of Africa, Madagascar, and even Latin America, for example... In some countries, when you stray from tourist routes, cash—contrary to what’s often said here—is still very useful, even today.

Hello everyone! 😏 My Visa Premier, which I only use for online purchases—basically everything since stores only sell clothes for tiny people with big... 😏 Tall girls like me find everything we need online, which has figured out that the new generation of young women are already 1.80m tall at 15. I always notify my postal bank (which will soon be selling kebabs and pizzas to diversify, I’m sure 😏) when I head back to Colombia. And bingo—arriving among the *costeños* of the Caribbean coast, my Visa Premier is always blocked (an automatic security system they can’t remove, I was told) that must be based on info about Pablo Escobar, who’s been dead for over 30 years. 😂 So my 10 million pesos, well hidden in my... let’s say, a safe place, cover my stays of 40 to 45 days. 🤩 Try buying with a card in the stands of rural stadiums, Medellín rum, *aguardiente*, or the local creepy herb that helps you forget the tropical heat. 🥳 Down there, bank cards are only good for opening doors. 😂
Christine
MA Masterpo Globetrotter ·
Masterpo is the guy who was recently claiming that nowhere in Europe do you have to show ID to board a plane?

Uh, no, not at all. First off, while I might declaim sometimes, I never *clamor*. And yes, I’ve always said that in France, you need to show an ID to take a flight.

On the other hand, there’s this one guy who kept insisting you could fly anywhere in Europe without ID—until he got banned from another forum and, to everyone’s satisfaction, had all his posts deleted.

But anyway, the connection to currency exchange while traveling is pretty thin…
KO Kola Globetrotter ·
But we must admit that Manondugard really shakes up VF, and that’s not bad

Have we really sunk this low, lost in the darkness, for the only sparks that wake up the forum to be mythomania, vulgarity, aggression, insults, arrogance, and (sheer) stupidity? Or just smoke and mirrors.

That the trailblazers (or the same ones in disguise) who plow such parallel furrows in discussions are more concerned with polishing their personas—on display, we’ve got... ...—than with putting their heart into the shared effort.
MA Manondugard Regular ·
But we must admit that Manondugard really does wake up VF, and that's not bad

How low must we have fallen, lost in the darkness, for the only sparks that wake up the forum to be mythomania, vulgarity, aggression, insults, arrogance, and (sheer) stupidity. Or just smoke and mirrors.

That the trailblazers (or the same ones in disguise) who dig such parallel grooves in discussions are more concerned with polishing their personas, we’ve got... [self-censored]... than with putting their heart into our shared work.

Hello, could you give us an example of my so-called mythomania, please? Did you know that in France and elsewhere in the world, many expressions don’t have the same meanings? Would you prefer a completely sterilized forum where good-natured laughter has no place, as long as it stays respectful toward other participants? Did you know that in Paris and many other regions of France, people mock the southern accent and the way we express ourselves? But as soon as those self-righteous folks have three days off, they rush straight to the very south they criticize. 😏 And when they buy their dream house in the sun at a premium, they drive prices up so much that locals can no longer afford to live there. 🤪 Can you give us an example of aggression on my part, without it being a response to an even more aggressive participant? Your darkness must be quite sad. Best regards!!!
Christine
TA Tatra Globetrotter ·
Uh... no, no. First, if I happen to declaim sometimes, I never proclaim

You’ve given a lot of bad advice and shared false information, simply due to a lack of experience and knowledge. You only know round-trip flights from France, and mostly Paris. You have little experience with air travel and never take off your Parisian glasses. You think the world revolves around your own experience, which you treat as the norm. In my opinion, this really limits perspectives and harms the quality of advice. That you found it relevant to take part in little schemes aimed at excluding and banning dissent doesn’t reflect well on you.

I could go on about the slander against VF and its founder that you’ve complacently hosted for years on a personal blog, making your presence here now rather awkward, but that would put me in a rage that would make me very unpleasant—and that’s really not my style.

Michel
MA Masterpo Globetrotter ·
I could go on about the slander against VF and its founder that you hosted for years on a personal blog

To this day, I’ve only ever had one blog, which I stopped updating in 2012. And I never mentioned VF or its creator on it—you’re imagining things.

My knowledge of air travel (I assume that’s what you meant by "aérien," rather than your *style*) is admittedly limited—I only fly once or twice every three months—but I can confirm that I’ve always been asked for ID, whether in Europe or elsewhere. That’s just my experience, but it’s factual. Maybe it’s just bad luck, who knows…
TA Tatra Globetrotter ·
To date, I’ve only had one blog, which I stopped updating in 2012. And I never mentioned VF or its creator—you’re imagining things.

This was on an open discussion page you might’ve forgotten to monitor—it’s possible, and I get that. The address was http://masterpo.blogspot.com/. Now, if it wasn’t you but an internet namesake, we’ll accept that. And if it’s identity theft, I apologize. That discussion, with over 2,000 comments, was tearing VF apart. (2,060 as of November 23, 2023, the day the Wayback Machine captured it.) You’ve already been asked elsewhere if it was your blog—you never answered. So put our minds at ease!

It’s just my experience, but it’s factual. Maybe it’s just bad luck, who knows...

Here’s the list of countries where I boarded without showing ID at the gate in the past year, because boarding just involves scanning the card—it’s completely automated and routine: Denmark, Sweden, Faroe Islands, Finland, Latvia, Austria, Poland, Netherlands, Hungary, Norway. It’s not luck you’re lacking—it’s experience. This applies in Switzerland, Germany, Luxembourg, Czech Republic, Estonia, and Lithuania too, as far as I know. Not in Italy, Spain, Romania, or Portugal (countries with a Roman-law tradition that prioritize individual freedoms less), nor in Greece.

Michel
MA Manondugard Regular ·
It’s really enlightening to read that back in 2007 (almost 20 years ago), you were already playing the "holier-than-thou" card with other members who responded to you, including (quoting directly): "Your idea of dialogue is a bit like pissing on each other while claiming it’s raining: a paradise of do-gooders. I’d rather take the unpaved road to hell—at least it’s not boring there." No surprise, then, to learn from your travel journals or the discussions you’ve started that your world revolves around movies and books, and that you’re only happy when surrounded by yourself—preferably in a desert. Anyway, I’m eagerly waiting for your answers to my questions (assuming your intention wasn’t just to hurt me without offering any explanation or backing up your nasty comments). Best regards!!!
Christine
MA Masterpo Globetrotter ·
It was on an open discussion page that you might have forgotten to check, it's possible, I can understand that.

I know you're referring to that... mess that has nothing to do with me except for borrowing the name, but you'd have to be pretty... let's say... naive and unfamiliar with the internet to think that a site named masterpo, tatra, or any random username could only be opened by the person in question...

By the end, VF had become a cesspool thanks to (or because of) poor moderation. After it shut down, the cesspool first moved to another blog (whose name I won’t mention), before creating and infecting that said... mess, but with no moderation at all! It took months before it disappeared. For the record, I only posted two messages there, on the same day, under my username, long after it opened and long before it closed.

The question of whether it was your blog has already been asked elsewhere—you never answered. So put our minds at ease!

Those who think messages full of insults and spelling mistakes could have been written by me don’t need reassurance—just therapy...

It’s not luck you lack, it’s experience.

Probably. Since COVID, I’ve only flown to Portugal, Italy, and Japan, multiple times each, and every time, I’ve been asked for ID. (<- This is a point, period)

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