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

Translated into English.

CA CatherineGil Globetrotter ·
Good evening Catherine,

On another note, regarding your last sentence... Would you say of a woman who was raped that she is "partly" responsible for her rape? I understand what you mean, but the reasoning leaves me a bit perplexed...

Good evening,

For my part, what perplexes me is that one could compare respect for a person's dignity, whether man or woman, to a wad of cash.....
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
MO Mondusthan Regular ·
True, the comparison does verge on provocation. At its core, the topic doesn’t really matter—it’s just a pretext for raising questions.

The real issue goes much deeper: should we feel responsible for a lack of caution? Should we feel guilty about our vulnerability when we’ve contributed to the consequences?

In your post, you answer these broader questions with a yes. That’s all I wanted to point out. Of course, there’s no need to compare things *stricto sensu*... 😉
TA Tatra Globetrotter ·
Hi there,

You're talking about trips lasting three to twelve months. Just a heads-up though—if Big Brother turns out to be the government, it could have implications for your tax status or social security coverage.

And if Big Brother is watching us, well, so be it—it’s less painful than potentially getting robbed.

Michel
CA CatherineGil Globetrotter ·
e. That’s all I wanted to point out. Of course, there’s no need to compare strictly speaking... 😉

The provocation was indeed quite strange. The Other, your alter ego, can’t really be an object or a possession... There’s still a lot of work to do if we’re still at this point!
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
CA CatherineGil Globetrotter ·
You're talking about trips lasting three to twelve months. Still, be careful—if Big Brother turns out to be the State, it could have implications for your tax status or social security coverage.

🙂 Our way of traveling probably makes our neighbors talk, which doesn’t bother us much🙂, but so far, I haven’t noticed the State worrying about it. Why would they scrutinize the lives of two ordinary folks who aren’t doing anything unusual? 🙂
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
DJ Djalma Globetrotter ·
The Other, your alter ego, cannot in effect be an object, a possession....

Not to mention that, in my opinion, someone who tempts a thief is at least half as responsible as the thief.

If the thief becomes a rapist, would the quote no longer hold? Why?
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY
TA Tatra Globetrotter ·
...

🙂 Our way of traveling probably gets our neighbors talking, which doesn’t bother us much🙂, but I haven’t noticed the state worrying about it so far—why would they scrutinize the lives of two ordinary folks? 🙂

If you have savings like a Livret A or life insurance, the taxes you pay are tied to residing in France for more than half the year. I think your social security coverage also changes in that case. There’s also different taxation on any rental income, with fewer deductions allowed.

Michel
MO Mondusthan Regular ·
Looks like I wasn’t clear—my bad. Let me try to explain better...

The provocation was indeed quite odd. The Other, your alter ego, can’t really be an object or possession...............Looks like we’ve still got work to do if we’re still at this point!

When I say that “the comparison leans more toward provocation,” I don’t mean my message was *only* meant to provoke your reaction (though, if the goal is to spark debate on one of our disagreements, why not?!).

What I’m really getting at is the core issue: provocation itself. Should we feel responsible for an aggression, and can we even call it “provocation”?

As Djalma points out, what applies in one case should apply in others. Someone attacks me: I’m responsible: I’m guilty: I must’ve provoked it: it’s my fault.

And that’s exactly why I disagree. 🙂
SI Sissi57 Globetrotter ·
When it comes to the risk of being robbed, I don’t really see much difference between short or long trips: - Whether you're away for a few days or much longer, you can get mugged at an ATM—either to steal what you’ve already withdrawn (even if the amount isn’t huge for you, it could be 15 days or a month’s salary locally), or to force you to withdraw more. It’s even become pretty common in our neck of the woods. - If you’ve brought cash reserves, a potential thief has no way of knowing unless you’re counting your wads in public. Personally, I carry a few large bills and hide them in a pouch on me—not around my neck. And depending on the countries you visit, what we have in our van or car can make us look like "super-riches."
Je n'aurai pas le temps...
CA CatherineGil Globetrotter ·
And that’s where I disagree. 🙂

Yes... I probably didn’t express myself clearly either.

To me, anyway, a girl being "provocative" and "provocation" can take a thousand different forms depending on the culture and place: a girl in ultra-light clothing in Saint-Tropez is less "provocative" than a girl in a chador, and the opposite will be true in Tehran. Regardless, this girl (since it seems we’re talking about a girl) isn’t an object—she’s the Other, your alter ego, the only way a human can recognize themselves as such.

On the other hand, flashing valuable items—like a camera that could cost as much as a family’s living expenses for a quarter, counting large sums of money in the street after exchanging currency—those are objects that can spark envy because they *are* objects.

If you’re trying to make me say that if a girl was raped, it’s partly her fault, you’re mistaken. As I explained, the Other, regardless of gender, isn’t an object by definition. Comparing the theft of an object to the rape of a person is, in my eyes, a deeply troubling confusion.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
CA CatherineGil Globetrotter ·
🙂 For more info on how to handle your insurance, health coverage, and social security when traveling outside Europe for more than 90 days, check out the "Preparations" chapter on my blog.

Otherwise, I don’t really see how this concerns you.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
CA CatherineGil Globetrotter ·
Yes, Sissi, you're absolutely right. On the other hand, you can get robbed in Place de la Comédie in Montpellier just as easily as in Aguas Calientes or Ulan-Ude, but maybe that’s my *Parpaillote* upbringing—if I get robbed, I’ll definitely feel guilty and think, well, you kinda asked for it.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
SI Sissi57 Globetrotter ·
I also grew up with a "parpaillot" upbringing—I’m not Genevan for nothing—but I won’t feel guilty if something gets stolen from me, I think. Unless, of course, I hadn’t taken basic precautions to avoid it.
Je n'aurai pas le temps...
TA Tatra Globetrotter ·
As for the rest, I don’t really see how it concerns you.

It doesn’t concern me, but I find the "I’ve got nothing to hide from Big Brother" stance pretty naive. I checked out your blog, the "preparations" page; legally, you’re probably right, but if something goes wrong, you’d have a hard time getting your interpretation accepted. Still, try not to make too many enemies among your neighbors.

Michel
CA CatherineGil Globetrotter ·
🙂 You’ll admit that being naive at my age is kinda cute!

Besides, I really don’t feel like I’ve got anything to hide from Big Brother or any other Big Ears, and to be honest, I don’t care.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
CA CatherineGil Globetrotter ·
. Unless I hadn’t taken basic precautions to avoid that, of course.

🙂 Exactly—every time my husband had his bag stolen, twice in Argentina, he’d just set it down at his feet without a second thought. In my opinion, he was at least half to blame, and even more so the second time.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
TA Tatra Globetrotter ·
--

Besides, I really don’t feel like I have anything to hide from Big Brother or any other Big Ears, and to be honest, I don’t care.

Still, be a little careful.

Michel
SI Sissi57 Globetrotter ·
Okay, that’s a bit like tempting fate, I know, but go to Japan, leave your phone on a table to mark your spot while you grab food or hit the restroom, and you’ll find it right where you left it when you get back.......
Je n'aurai pas le temps...
CA CatherineGil Globetrotter ·
🙂 Yeah, it seems so, and in Irkutsk, our host who was showing us around town would leave his car with the sunroof open, his phone on the dashboard, and his bag clearly visible. When we looked surprised, he just laughed and said, "Oh, in Russia, there’s no risk of anything happening..."
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
GR Groschats Veteran ·
Hey,

I’m replying because you mentioned the risk of cash theft...

Thieves have moved on too... They’re after smartphones now... There’s everything in smartphones... And so many aren’t secured (a PIN code isn’t security for a hacker)...
Qui écoute trop la météo, passe sa vie au bistrot !
CA CatherineGil Globetrotter ·
Hey,

I’m replying because you mentioned the risk of cash theft...

Thieves have moved on too... They’re after smartphones now... There’s everything in smartphones... And so many aren’t secured (a PIN code isn’t security for a hacker)...

You’re probably right about the smartphone, but my point was that it doesn’t seem very sensible to travel with all the cash you need hidden somewhere, especially if you’re going away for a while. Back in the day, we had traveler’s checks, but I don’t even know if they still exist—ATMs are so much more convenient now.
Catherine " La lucidité est la blessure la plus proche du soleil" René Char

http://www.catherinegil.com
TA Tatra Globetrotter ·
...

In the past, we had traveler’s checks, but I don’t even know if they still exist—it’s so much more convenient to use ATMs.

No, traveler’s checks don’t really exist anymore.

Michel
NO Nochebuena Regular ·
hi, can you withdraw cash from ATMs in Cuba with a Revolut or N26 card? ???? or any other card thanks
LU Ludomero Veteran ·
Hello, Can you withdraw cash from ATMs in Cuba with a Revolut or N26 card? ???? Or any other card? Thanks

Hi, I’d love to answer you, but I’ve never set foot in Cuba and have no experience with those cards. I think this question was directed to the wrong person. :)
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
MU Muwue Regular ·
Hi there, For Argentina, we didn’t have any issues with credit cards. It’s obviously a huge country, and there are ATMs pretty much everywhere—with fees, of course. Also, our cards are debit cards, whereas in South America, they use credit cards, which sometimes causes problems in supermarkets. You just need to switch to a different payment terminal, which is easy enough if you’re patient. No issues with buses. At hotels, double-check if cards are accepted—some prefer cash. During our four months in South America, we only carried $150 as a backup plan. That’s it. Hope this helps! Happy trails, P.S.: We were even asked to pay in a virtual currency once—just an anecdote.
AT Atila Globetrotter ·
, ATMs are pretty much everywhere with a commission, of course.

In the case of Argentina, the commission far exceeds what’s reasonable. It’s normal for a bank to make money—every job deserves payment. But when it’s bordering on 10%, that’s just outrageous.🤪

You can’t get around the fixed fee charged by the local bank by making a large withdrawal since withdrawals are limited to small amounts.

Another issue: the official exchange rate versus the black-market rate. You can lose another 20% there. (Check Western Union rates, for example.)

I much prefer using my card, even if local practices add around twenty euros to my trip costs. But with a 20% difference, I’ll look elsewhere—it’s too expensive for the security and convenience. I even wonder if the VAT refund for foreigners on accommodation when paying by card is still worth it.
MU Muwue Regular ·
Comments can be important—just shop around. The only obvious problem is that withdrawals are limited, and there’s clearly some abuse going on. Nowadays, you can’t handle everything with a card. When you’re wandering through remote or even very isolated areas, you still need cash—so where do you get it? I’ve never used Western Union. The only time we had the VAT removed was when we were asked to pay in cash.
AT Atila Globetrotter ·
It's not enough to just go around. That's the rule in Argentina. Between 5 and 8 euros per withdrawal, and withdrawals limited to around a hundred euros if you're lucky.

Where have you been able to withdraw 500 euros in one go, or with a fixed fee of 2 euros max?

On top of that, you get the official exchange rate. Today it's 66.44. With Western Union, you get 91.39...

As for VAT, it's the law. If the hotel accepts credit cards, they're required to deduct the VAT if you pay that way. If you pay in cash when they accept cards, the discount should be greater than the VAT—otherwise, you're giving them a gift...
MU Muwue Regular ·
I’ve never withdrawn 500 € in one go—definitely not—but the hotel didn’t accept cards either. When you’re traveling for a while, you’ve gotta hit an ATM at some point.
AT Atila Globetrotter ·
I usually always use ATMs. I'm not one to pinch pennies. For Argentina, though, I think I'll make an exception because this isn't about pinching pennies—it's a good third of the cost.

Not just a few dozen euros, but a few hundred...

The exception that proves the rule.
PO Poticar Regular ·
Closer to home: Greece, Pylos, Messenia, 2018, 2019, February 2020. ATM withdrawal, any amount (max 600 on the screen - 400 withdrawn yesterday). Fee: 3 €. I don’t travel, I stay put—I’m a local hedonist (private achdoni).
AT Atila Globetrotter ·
Here, you're in countries where the question of using ATMs doesn't even come up.
PO Poticar Regular ·
Oh! Wow! Well, looks like there’s at least one more person who knows now. The world just got a little brighter.
VA Vaikeaiti Regular ·
Hi,

I’m re-entering a discussion about opinions that’s been going on for a while and that I took part in a few weeks ago. I don’t quite understand the point of it... I just got back from Guatemala and Honduras, and things are super simple: I planned to buy US dollars before leaving (in small bills of $5 to $50) and I paid for everything in cash, much to the delight of the recipients. Of course, I always have two credit cards available, but they’re tucked away, except in rare cases. We’re leaving for Uruguay at the end of March, and we’ll do the same. I don’t see the problem with carrying $2000 in cash in your luggage. You just need to be well organized. And everything is so easy—no ATMs, no worries.

Moana
VM
AT Atila Globetrotter ·
The point is to understand why some people prefer to bring cash and exchange it on the spot, since it's not for economic reasons in most cases. (Unless you're counting every 20 €)

Argentina isn't "most cases." A bit like Venezuela.

Anyway, why do you prefer to bring cash since you don't gain anything by doing so?
PO Poticar Regular ·
In short, why do you prefer to carry cash since you don’t gain anything from it?

But yes, not just your 20 €, but even if it’s not quantifiable upfront, maybe more if you have to look for it under unexpected/unforeseeable conditions. So for me, major benefits: - Material comfort, speed (never having to search for an ATM) - Risk eliminated, peace of mind (knowing there won’t be any unexpected issues... no equipment failure, etc.) - Cash available everywhere, all the time. - No unnecessary/extra exposure to the risk of physical assault - All denominations planned for (partially true). ... credit cards simply as a backup. But all this has already been mentioned. Why do we have to keep repeating the same thing?
VA Vaikeaiti Regular ·
Oh yes, totally agree! We keep splitting hairs over this on the forum... There are the die-hard credit card fans (debit card = potential issues in many countries, if only for the car rental deposit) and the cash loyalists like Arnulf and me. That’s just how it is. Even in France, when I’m not traveling, I pay a lot in cash too. It’s helped me significantly cut down on the fees from using cards, which the bank lists every January. Over a year, I save around 250 €. Who can top that? AND then, cash isn’t digital... That’s what I love. It’s my freedom to pay with actual banknotes. Almost shocking in France, yet so common and ordinary in Germany, Spain, or Italy.

When traveling in the Schengen zone, the euro rules. Elsewhere—especially in countries with constantly fluctuating or rapidly devaluing currencies—it’s the US dollar that everyone loves. Bring plenty of small bills: $1, $5, $10, and $20, new if possible. Super handy! And you pay your bills to the exact dollar. Buy dollars when the exchange rate dips against the euro. In short: plan ahead. It’s so simple...

Moana
VM
AT Atila Globetrotter ·
Why do we have to keep repeating the same old tune?

I didn’t start this thread back up. You’ve got the wrong person in your reply.

But all of this has already been pointed out.

Yes. It’s already been said that, in most cases, it’s not about squeezing out a little extra money that drives travelers to carry cash to exchange on the spot—it’s just habit.

No argument, no matter how rational, can change years of using credit cards, checks, or cash.

Well, actually, one thing can. Time.

Cash, checks, and even credit cards are yesterday’s payment methods. Today, it’s all about digital.

Haven’t you ever seen people paying with their smartphones at the supermarket? It’s not a generational thing. The last person I saw do it was at least 70 years old. 😮

When I started this discussion, I didn’t think there’d still be so many people who *want* to use cash. I’m really surprised by the response.
AT Atila Globetrotter ·
Even in France, when I'm not traveling, I also pay a lot in cash.

There you go.

I never pay in cash in France.

Well, actually, I do. Maybe about thirty euros a month.

No cash, no easy way to go off the books—so everyone contributes to the social contract. A virtuous circle.

It allowed me to significantly reduce the fees generated by using the card, which the bank sends a statement for every January. Over a year, I save about 250 euros. Who can beat that?

You’re the banker’s dream client... You change your habits instead of changing banks.

Who can beat that?

Well, quite a few clients of other banks... One of mine, for example, now has zero fees...

- it's the US dollar we love.

In your predicted countries. Not in mine.

Buy dollars when it drops against the euro.

So, contributing to the financial bubble.
PO Poticar Regular ·
You usually say things well, most of the time clearly. In this discussion, everything has been said, repeated, contradicted. Tell me, what if you just closed it? (Oh! ... how? This discussion, of course!). Otherwise, you might not get out of it before you're 70, and you know, that would really be the end of everything—the absolute black hole. Once you pass that fateful mark... Sniff! I’d be interested in a conclusion, a final assessment, some kind of summary of all these interesting reflections (but what a job!). Otherwise, you’d let slip the chance for this thread to be understood. You won’t back out, right?
AT Atila Globetrotter ·
The summary’s already been done...

Why do you want me to talk about it? 😏
PO Poticar Regular ·
You're the leader, right? 😕
MA Masterpo Globetrotter ·
You’ve never seen people pay with their smartphones at the supermarket? The last one I saw doing it was at least 70 years old.

Lesson learned after shopping at Place de Jaude...

But oh, the joy of Apple Pay! When I see others digging through their bags, pulling out a card (usually debit) from a vintage cardholder, trying to slide it into the reader—after refusing contactless payment with a scared look—I really feel for them.
AT Atila Globetrotter ·
That’ll teach me to do my shopping at Place de Jaude...

I wrote 70, not 115 !😉

Oh, the joy of Apple Pay!

Or something else... (I think you know this magazine...😇) Personally, I don’t use it. Haven’t needed it yet.

When I see others digging through their bags, pulling out a card (usually debit) from a vintage cardholder, trying to slide it into the reader after refusing contactless payment with a scared look... I feel for them.

Are you also trying to outsmart Murphy’s Law at supermarket checkouts or highway tolls?

I often fail...

The one who wants to pay in cash with exact change, the one who wants to pay by check, the one who wants to pay by card but forgot their PIN... The one who drops a coin under the car, the one who stops ten meters from the machine, the one who lost their ticket...

Afterward, I admit I’m sometimes that person too.😄
MA Masterpo Globetrotter ·
But what a joy, Apple Pay!

Or something else...

Your link doesn’t work. But yeah, there’s also Google Pay or Samsung Pay... or others.

(I think you know this magazine...😇)

You bet. I’ve been subscribed for ages. But only for the crossword puzzles. There are also some interesting articles, on hip replacements, for example...

The one who wants to pay in cash with exact change, the one who wants to pay by check, the one who wants to pay by card but forgot their PIN... The one who drops their coin under the car, the one who stops ten meters from the machine, the one who lost their ticket...

Ugh, what a bunch of idiots...
AT Atila Globetrotter ·
Your link doesn’t work.

Our time is ahead of its time—it protects its data...
MA Masterpo Globetrotter ·
Or maybe they're just promoting Sabri Louatah's latest book...
AT Atila Globetrotter ·
I don’t know about others. But you, on the other hand...

Tell me, is it better to buy this book in cash, by card, or with Apple Pay? 😇
MA Masterpo Globetrotter ·
The question is: should you buy it? Because a suitcase full of banknotes is already heavy—imagine a suitcase full of books... (And back to the topic!)
LA Lacalo Globetrotter ·
Oh... a 10 kg suitcase of banknotes is still lighter than a 10 kg suitcase of books... 😏
" Nous ne saurons jamais tout le bien qu'un simple sourire peut être capable de faire." Mère Teresa

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