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

Translated into English.

AT Atila Globetrotter ·
Answer in the previous messages.
LA Laurentrock ·
"Why keep lugging around suitcases full of cash"—that’s such a French question, used to paying for everything with a card. If it’s so easy to pay by card in France, so hard to withdraw your own money from the bank, and so frowned upon to pay in cash, there’s clearly a problem with the banks. In my opinion, right now, it’s way riskier to travel with a bank card than with cash. Almost all banks in France are on the verge of bankruptcy and can cut off ATM access overnight to avoid a bank run. Just look at what happened in Greece and Cyprus to see why I’m convinced. Otherwise, "suitcases full of cash" is a bit much—with 100 € bills, it doesn’t take up much space, and the bigger the bills, the better the exchange rate. Plus, it’s way easier to negotiate when you’re showing cash instead of a card 😄, and banks don’t need to know how I spend my money. It’s true that these days, when everyone’s sharing their lives online, it must only bother a minority like me. Personally, I spend a lot of time in Southeast Asia and have never had any issues with scams. I think the best approach for me is to use cash and keep a card as a backup.
LA Laurentrock ·
"a handful of conspiracy theorists" is what we call a Godwin point to shut down any discussion lol
GR Groschats Veteran ·
Hey Laurent,

Sorry if I’m teasing you a bit—I apologize in case we actually know each other under your main username... 😛

I think you’re mixing things up a bit too much... And when it comes to "I’m ruining my life because there are bad people out to get me," you’re pretty good at that, I’d say...

You can come out of the woods and stop communicating by banging on tree trunks... The countries you mentioned have been high-risk for years. A country doesn’t suddenly turn red overnight. You don’t need a PhD in economics to spot a trend. Sure, there are risks for those who only watch TV shows and read *Closer*, but people who ask themselves questions can travel worry-free at least until October (I’m just throwing a bone to the conspiracy theorists, see? 😉).

I forget who said they had better things to do than wonder what the powers that be are doing by spying on our shopping habits... I totally agree with that. You’ve gotta breathe, take the middle path if anything. Anticipate possible risks if you want, but I think it’s silly to deprive yourself of a system that works well. Focus on what does you good before worrying about what might harm you. And what if you get mugged one day? Or even worse, you lose your stuff—bad luck, boom, you’re broke...

Okay, maybe you’re a whistleblower with some big secret, and there’s hidden info in your message I didn’t catch... 🤨

If that’s the case and you know the system’s about to collapse... come on, be cool. Tell us...

As for your comment on my post, I’m not shutting down a debate... there’s no debate with people who know everything when it’s been proven they’re wrong...
Qui écoute trop la météo, passe sa vie au bistrot !
LA Laurentrock ·
You do you, Groschats, and I’ll do me. - Have you ever hit your card’s payment limit? - Why does France cap cash payments at 1,000 euros? It’s obviously to limit money laundering. - Why can some banks no longer pay out life insurance to beneficiaries? - Why did the European Union propose freezing accounts for at least 3 weeks in case of a bank failure? - Do you think the economy’s doing well? - Why does Christine Lagarde talk about an economic reset? - No, I don’t have any secret info to share, but where there’s smoke, there’s fire, as they say. - Yeah, I’m that annoying conspiracy theorist who can decode the news and read between the lines. - Yeah, I’m a prepper who lives stress-free, and don’t worry about me—I’m far from someone who’s ruining their life.

But like I said earlier, you do you, and no amount of sarcasm about me will change my mind.

By the way, was Pig Beach nice?
GR Groschats Veteran ·
You're really worked up, huh... 😄

Too much off-topic stuff in there—start a new post and we’ll help you save the world... 😅

I’m not saying you’re completely wrong or that your questions are bad, but I don’t get the connection to travel or this thread...

I use several online banks and don’t travel with my main bank... Pig Beach, as you mentioned, has nothing to do with this... but it’s in Polynesia. Here, withdrawal limits are even worse than elsewhere, no matter your limit... But since I had N26 (I think N26 has no limit), I was able to withdraw the maximum amount the ATMs allowed... and multiple times in a row, which other cards couldn’t do. There’s always a solution.

You have interesting questions, but you don’t have good answers... or you just answer with what you *want* to believe.

So you’re heading to Asia loaded with cash, but unless you’re swimming there, you’re paying for your flight ticket with a card, right?

And you want to be credible when you say not to trust banks, but you get your info from the press and its endless fake news... 🤪

I’m not naive, but I don’t care—go find some other sucker to chat conspiracy theories with.

Anyway, who’s JFK, then? 😆

(I still wonder who you are, though... 😏)
Qui écoute trop la météo, passe sa vie au bistrot !
LA Laurentrock ·
Groschats, reread the last sentence of my post and give me some arguments to change my mind.
GR Groschats Veteran ·
Okay, but only if you tell me the truth about Area 51... 😉

Alright, I’ll stop joking—this is way off-topic, but if I have the time and feel like it, I’ll hit you up in DMs to chat. 😜

So, how are you paying for your flight ticket?
Qui écoute trop la météo, passe sa vie au bistrot !
AT Atila Globetrotter ·
Laurent goes to the airline counter at the airport and pays in cash. Makes sense, right?

A bit pricey because you have to add counter fees and buy insurance due to the payment method, but oh well... A bit tricky if he doesn’t live near Roissy or outside France when the ticket costs over 1000 €, but at least this way, he’s sure his banker doesn’t know where he’s going...

Still, the insurer could have the info and leak it to BFM.

Breaking news

Laurent X left this morning for the Bermudas to join Elvis Presley, Marilyn, and the Roswell man...
TA Tatra Globetrotter ·
Hi there,

Actually, when you spend some time in international airports and occasionally visit the "ticket office" for various transactions—upgrades, refunds, and so on—you’ll quite easily see cash payments and stacks of bills. It’s not as outlandish as you might think. There’s no counter fee surcharge that I know of, and the insurance question is pretty trivial: in these cases, it’s usually for immediate departures.

Michel

Laurent goes to the airline counter at the airport and pays in cash. Makes sense, right?

A bit pricey since you have to add counter fees and get insurance due to the payment method, but hey... A bit tricky if he doesn’t live near Roissy or another airport outside France when the ticket costs over 1,000 €, but at least this way, he’s sure his banker doesn’t know where he’s going...

Still, the insurer could have the info and leak it to BFM.

Breaking news

Laurent X left this morning for the Bermudas to join Elvis Presley, Marilyn, and the Roswell man...
AT Atila Globetrotter ·
Did I write that nobody pays in cash?

And in fact, when Air France paid me my bonus for possibly agreeing to postpone my departure, it was in cash.

It’s the *reason* for paying in cash that’s being mocked, and you know it.

If someone pays in cash because their grandma always did, because they’re paid under the table, because they’re laundering dirty money, because Grandpa gave them cash for Christmas, or because they’re banned from using banks—fine.

But because the whole world is watching over their precious self...

You won’t agree because you’re a bit like that too.

Some airlines charge an extra counter fee because they want to encourage electronic purchases, which are cheaper in terms of staff and facilities.

I had this happen recently with Air Austral. The ticket booked by phone costs more. That has nothing to do with the payment method.

As for insurance, a credit card can save you a lot of money. Even better if it’s free. Unfortunately, my income forces me to make choices.
TA Tatra Globetrotter ·
Did I write that no one pays in cash?

No, but you seem to be somewhere between discovery and mockery.

And in fact, when Air France paid me my bonus for agreeing to possibly postpone my departure, it was in cash.

In that case, yes, sometimes.

It’s the purpose of paying in cash that’s being mocked, and you know it. If someone pays in cash because their grandma used to pay in cash, because they’re paid under the table, because they’re laundering dirty money, because grandpa gave it to them for Christmas, or because they’re banned from using banks, fine. But because the whole world is watching their precious self... You won’t agree because you’re a bit like that too.

I’m indeed very attached to individual freedoms, like freedom of speech, religion, and dress style... That’s my minarchism, and I sometimes think the United States would’ve suited me better. Better than European statism, especially French statism, anyway.

Some airlines charge an extra fee at the counter because they want to encourage electronic purchases, which are cheaper in terms of staff and facilities. I had this happen with Air Austral recently.

If you say so... I’ve never read about that, but it must certainly exist.

As for insurance, a bank card can save you a lot of money. Even better if it’s free on top of that. Unfortunately, my income forces me to make choices.

When you pay at the counter in cash for an immediate departure, you’re not concerned by cancellation insurance, and the transaction has nothing to do with repatriation assistance.

Michel
LA Laurentrock ·
Stop exaggerating, guys. Did I say that anywhere? Learn to read.
TA Tatra Globetrotter ·
When you reply like that, jumping into the discussion without quoting the sentence you're referring to, it makes no sense at all.

Stop going off the rails, guys. Did I say that anywhere? Learn to read

Michel
AT Atila Globetrotter ·
I’ve never read that, but it must certainly exist.

Great tip!

When you pay at the counter in cash for an immediate departure, you’re not subject to cancellation insurance,

It’s not at all about an immediate departure but about someone who’d buy their ticket in cash due to a fear of potential privacy invasion by their banker...

A purchase like anyone else would make, just in advance. Only the payment method differs.
TA Tatra Globetrotter ·
Honestly, the people I’ve seen using cash to buy tickets at airline sales counters were all leaving immediately. Besides, at airport sales desks, that’s often the case. I think there are really very few people who pay in cash due to a fear of banks.

It’s not at all about an immediate departure, but rather someone who would buy their ticket in cash due to a fear of their banker potentially spying on their private life...

Michel
AT Atila Globetrotter ·
People who pay in cash due to a fear of banks—I think there are really very few of them.

Maybe, but that’s the topic...

You’ve got to be logical. If you don’t want to be tracked because you think the world is watching you, you also pay for your flight ticket in cash. 😄

And you don’t use the internet or forums...😏
TA Tatra Globetrotter ·
Tracked by commercial companies? Doesn’t bother me—I play along. Tracked on VF? Meh, I share what I want, and no one knows what’s true. No, what really bothers me is state surveillance.

Funny how you’re a bit obsessive—and not alone here—trying to get me to talk about myself. 🤪 Is it really that interesting?

Michel

People who pay in cash due to banking phobia—I think there are really very few of them.

Maybe, but that’s the topic... You’ve got to be logical. If you don’t want to be tracked because you think the world is watching you, you also pay for your flight ticket in cash. 😄 And you don’t use the internet or forums... 😏
AT Atila Globetrotter ·
What bothers me are the pointless ads everywhere.

To each their own.
TA Tatra Globetrotter ·
If ads keep the free-speech machine running, despite the state whose only plan is to control what we say, then I love ads.

What bothers me are the pointless ad decorations. To each their own.

Michel
VO Voyajou Globetrotter ·
Tracked on VF, meh, I share what I want, and no one knows what’s true.

No need for you to confirm it—everyone here already knows you’re an ATM (Automatic Tall Tales Machine) and a counterfeit-cash enthusiast.

Funny how you’re a little obsessive—and not alone here—trying to get me to talk about myself. 🤪 Is it really that interesting?

Clear case of cognitive distortion (and it’s honestly not interesting).
TA Tatra Globetrotter ·
I guess it still manages to spark these bursts of precious, overblown prose in you and motivates you to come share them in discussions that would’ve left you indifferent without me.

Clear case of cognitive distortion (and it’s truly not interesting)

Michel
AT Atila Globetrotter ·
If ads keep the freedom-of-speech machine running

The government’s never censored me, though… 🙂

But sites that live off ads? They’ve got their own angle, their own editorial line—plus whatever their advertisers want—and you’d better not stray too far from it.

But you already know that as well as I do.
TA Tatra Globetrotter ·
The state has never censored me, though...🙂

You're lucky.

Websites that live off advertising, on the other hand, have their own viewpoint, their editorial line added to that of their advertisers, and you mustn’t stray from it.

I’d take a commercial policy over a political police any day, without the slightest hesitation.

But you know that as well as I do.

I draw the opposite conclusions.

Michel
AT Atila Globetrotter ·
In our country, I can express my opinions as long as they aren't illegal. In a commercial space, I can express my opinions as long as they aren't illegal and as long as they align with the company's commercial stance and "morals." It's more restrictive.
TA Tatra Globetrotter ·
In our country, I can express my opinions as long as they aren't illegal.

That applies to any country in the world.

In a commercial space, I can express my opinions as long as they aren't illegal and as long as they align with the company's commercial line and "morals." It's more restrictive.

Let's just say that since VF is Canadian, you can express yourself freely here, even from countries where it would be banned—and thanks to the ads.

Michel
AT Atila Globetrotter ·
Oh really? Now I can post photos of nude statues, Himbas, *The Origin of the World*? I can share my opinion on what works and what doesn’t on this site?

You’re funny, Michel. 😄
TA Tatra Globetrotter ·
I don’t know what you’re talking about. You don’t even realize that the social networks and global sites you criticize as commercial and full of ads are actually safe havens for the oppressed, for victims of authoritarian states... The very same states that jump at the first chance to ban, shut down, or silence them. From France’s stated desire to eliminate online anonymity to the Chinese and North Korean intranets, there’s a whole spectrum of examples.

Michel

Oh really? Can I now post photos of nude statues, Himbas, *The Origin of the World*? Can I share my opinion on what works and what doesn’t on this site? You’re hilarious, Michel. 😄
AT Atila Globetrotter ·
If you prefer Google to the French state, that’s your call.

One foot in the west, the other in the east—quite the split for someone doing pirouettes…

(Why settle for the lowest common denominator? Hair blowing in the wind is banned in Iran. Sure, Google’s great because women can go bareheaded there, but who cares if photos of breast cancer are banned…)
TA Tatra Globetrotter ·
...

If you prefer Google to the French state, that’s your call.

When it comes to freedoms, there’s really no comparison.

One foot in the west, the other in the east—the splits of someone spinning in circles... 😄

There’s no spin; it’s just a way of not being trapped by your own biases and assumptions that throws you off. You write on graph paper, I don’t.

Michel
AT Atila Globetrotter ·
When it comes to freedom, there’s really no comparison.

I totally agree on that point. 😇
TA Tatra Globetrotter ·
As long as you don’t dig into the topic a bit, you can indeed live in the blissful harmony of Arcadia’s shepherds. It’s undeniably pleasant, though a tad too cushy. 🙂

I completely agree on this point.😇

Michel
AT Atila Globetrotter ·
I’m kind of in the middle of this topic...
KO Kola Globetrotter ·
I’m kind of in the same boat...

A little, or a lot?

(Full-page ad in a daily paper this morning...)
SI Sissi57 Globetrotter ·
A little mishap that happened 2 weeks ago. I was just about to go grocery shopping at that moment, and was really happy to have some cash on me.

https://www.20min.ch/ro/news/suisse/story/Des-problemes-pour-payer-par-carte-dans-tout-le-pays-28296204
Je n'aurai pas le temps...
AT Atila Globetrotter ·
Yes. Cash is disappearing in my workplace too...😛
MG Mguibentif Globetrotter ·
Yes. Cash is disappearing in my workplace...😛

Except now, they won’t even accept my credit card at the tax office to pay property or housing tax—I have to make a bank transfer... I think they’re taking it a bit too far... 😉
Mathilde
MA Masterpo Globetrotter ·
Same in France...

But it's still moving in the right direction—toward going digital...
TA Tatra Globetrotter ·
Good evening,

It’s anyone’s guess which way is the right one... To drift away from the real, the tangible, the natural, or to reconnect with the basics, riding the eco-conservative wave?

But it’s still moving in the right direction—toward dematerialization...

Michel
ZO Zorba Veteran ·
I read somewhere that credit card management is seamless in France. Other European countries have faced pressure from American credit card operators. These countries were forced to give in to the demands.
SI Sissi57 Globetrotter ·
Mathilde must be talking about a property in France—we don’t have property tax, residence tax, or tax collection there...
Je n'aurai pas le temps...
MA Masterpo Globetrotter ·
I thought so too—it really did look like that... Way too obvious 😛
MG Mguibentif Globetrotter ·
I'm talking about France, actually. Here, I think I could pay in cash if I went to the tax office (never tried it though)...
Mathilde
AT Atila Globetrotter ·
The canton of Geneva starts with virtual options, just like in France. For cash payments, you need to go to the post office, not what we’d call our treasury offices.

https://www.ge.ch/paiement-impots/payer-acomptes
MG Mguibentif Globetrotter ·
At the post office, I'm sure it works—I've done it before. Now, I have no idea what happens if you show up with cash at the tax office. I should try it in February to see their reaction... 😉
Mathilde
SI Sissi57 Globetrotter ·
corresponds to our payment offices.

I don’t know what "trésoreries" refers to in France. It doesn’t seem like we have anything similar here. At the post office, you can pay any bill, for any amount, from any issuer.

The canton of Geneva first offers digital options

I wouldn’t put it that way. We’ve always received the amounts due for taxes in the form of "payment slips." Originally, these slips were designed to be paid at the post office—the only method available when I was young. When bank transfers and later online payments (via banks or the post office) or apps became available, we simply started paying our bills—including but not limited to taxes—through these newer methods (or not, I still often pay some at the post office counter). The tax administration had nothing to do with these changes.
Je n'aurai pas le temps...
AT Atila Globetrotter ·
I initially suggested going digital first because that’s how it works on the Geneva site.

The postal option is listed last.

I assume that, like in France, the canton wants to save on staff costs, so direct debit is the cheapest method from that perspective. Cash is the most expensive. A bank transfer is somewhere in between.
MG Mguibentif Globetrotter ·
At the Treasury office, people come to ask questions about their taxes, make complaints, etc., at the counter. Before, I could pay in cash there, then only by credit card, and now not at all (at least since October, the first time I had problems...). It's also not possible to pay for this at the post office in France; the only option left is a bank transfer from UBS to the Banque de France account whose IBAN they gave me... 😉
Mathilde
CA CatherineGil Globetrotter ·
🙂, If we're only traveling for a weekend, sure, we can bring cash, but since we travel for at least three months and sometimes up to a year, I can't see us carrying enough cash to live that long! And if Big Brother is watching us, well, more power to him—it’s less painful than potentially getting robbed. Not to mention, in my opinion, the person who tempts the thief is at least half as responsible as the thief themselves.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
MO Mondusthan Regular ·
Good evening Catherine,

I’m one of those who also travel for around 3 months at a time. Bringing cash with you isn’t too difficult if you stick to 100-euro bills.

Really, it all depends on the country you’re visiting and the cost of living there. Our travel style also plays a role (small or big budget).

If you’re heading to a wealthier country, you’ll need to plan for more currency. And that can get pretty bulky for a 3-month trip... Especially if you’re traveling with hotels, taxis, etc.—basically, big expenses...

In that case, I think it’s obviously more practical to use your bank card. But for low-budget travel in a country with a lower cost of living, it’s manageable. That doesn’t mean you shouldn’t bring your card, just in case, of course...

On another note, about your last point... Would you say a woman who was raped is "partly" responsible for her assault? I get what you’re saying, but the reasoning leaves me a bit puzzled...

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