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Travel Money

Travel Money TipsDon't leave your holiday money arrangements until the last minute - get organised in advance to give yourself a hassle-free break.

The options
Travellers' cheques were in the past seen as the safest and most convenient way of taking large sums of cash abroad. But the advent of the single European currency and widespread acceptance of debit and credit cards means many holidaymakers now use a combination of cheques, cash and plastic. Each has its advantages and disadvantages, but how you buy your currency really depends on where you are going.

Travellers' cheques
Nowadays, you can manage without cheques if you are going to a major resort. But dollar cheques are still useful in the US, where they are widely accepted as payment for goods and services without having to be exchanged for dollar notes. Cheques are also worth taking if you are going off the beaten track, for their security features as much as anything else. However, it can often be difficult to cash them in remote places.

Security
Cheques can usually be stopped or replaced within 24 hours if they are lost or stolen, whereas credit cards can take much longer. But you must keep a separate note of serial numbers to take advantage of this security feature. When you buy cheques, read the accompanying security advice and make a note of any numbers you need to call in the event that you lose cheques or have them stolen.

Carrying cash
Many holidaymakers still think nothing of wandering around with their wallet or money belt stuffed with large amounts of currency, despite the obvious security risk. It is unwise to put all your eggs in one basket in this way. Travel insurance policies may well cover you for a limited amount of money lost, but you will probably have to wait until you return home to be reimbursed. However, you need some local currency to tide you over until you can get to a bank or cash machine. Most bank branches and bureaux de change routinely stock common currencies, but it is wise to order even these a few days in advance, to be on the safe side.

  • Don't keep your credit cards, money, passport and travellers' cheques together in one place in case you lose them or they are stolen.
  • Leave a credit card details at home with your family or friends in case of an emergency.
  • Leave details of travellers cheques with your family or friends in case you lose your own.

Money tips
  • Make sure you have enough to cover emergencies.
  • Take travelers' cheques.
  • Keep a separate record of their numbers.
  • Carry only as much money as you need for the day.
  • If you have to carry a lot of money ask your partner or a friend to carry some for you.
  • Use a money belt or secure inside pocket.
  • Leave the rest in a hotel safe.
  • Change currency only from official moneychangers. Remember to retain the currency Exchange receipts after each transaction. You will need them for re-exchange on departure.|
    This are some of the big scams happening with international tourists ...
    you try to change currency unofficially as the touts and brokers promise to give a better exchange rate and as soon as they get hold of your money..they vanish into thin air sometimes the police raid while you are exchanging the currency and you payoff the unscruplous cops to get out of it.

Credit card tips:
  • Check the expiry dates.
  • Make a separate note of their numbers.
  • Don't carry all your cards with you - leave at least one in the hotel safe.
  • Make a note of the emergency phone number for cancellation. Also consider a credit card protection policy.

  • Countries money
    • Nepal = Rupee (NPR)
    • India = Rupee (INR)
    • Bhutan = Ngultrum (BTN)
    • Thailand = Baht (THB)
    • China = Yuan (CNY)
    • Bangladesh = Taka (BDT)
    • Pakistan = Rupee (PNR)
    • Cambodia = Riel (KHR)
     

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