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As travel restrictions continue to ease, the prospect of visiting exciting new destinations is more than just a dream—it’s becoming a reality. However, amid the countless details to consider when organizing a family trip, concerns about handling money can start to nag at you. What’s the safest way to carry cash while traveling? Are traveler’s checks still relevant? No parent wants to find themselves in a situation where they lose their funds while on vacation with the kids, leaving the entire family in a bind.
And let’s be real—stashing cash in your bra isn’t exactly practical for a long trip. So here are some useful tips on managing your money while traveling that don’t involve uncomfortable hiding spots.
What’s the Best Way to Travel with Money?
There’s no one-size-fits-all solution when it comes to payment methods while traveling. Depending on your destination, it’s wise to carry a mix of payment options. Here’s a breakdown of the most common ways to manage travel funds.
Credit Cards and Debit Cards
Credit cards are typically the best choice for transactions, especially when traveling abroad. Travel expert Alex Johnson suggests having one primary credit card and a backup for emergencies. “Once you return home, check your balances and charges,” Johnson advises. “While some travelers keep tabs on their accounts while away, it’s important to be cautious when accessing them online.”
Johnson recommends limiting debit card use, as it directly draws funds from your bank account, leaving you vulnerable to fraud. “If your card is compromised, the money is gone until the bank investigates,” he warns. “I primarily use credit cards for purchases and reserve my debit card strictly for ATM withdrawals.” Another perk of credit cards is the potential for travel rewards, which can accumulate points and even provide free hotel stays.
Remember to notify your bank about your travel plans. It’s also beneficial to use chip and PIN credit cards, especially in Europe and parts of Asia, as they can simplify transactions and reduce the need to carry cash.
Cash
Cash is still king, but if you’re traveling outside the U.S. with over $10,000, you must declare it at customs to avoid complications. Within the U.S., there’s no cap on the amount of cash you can carry. If you’re going abroad, research currency exchange options ahead of time to prevent overpaying. Avoid airport kiosks for currency exchange, as they often have poor rates and high fees. Instead, consider having your bank order the local currency before your trip or use an online service for home delivery. For last-minute travelers, ATMs at your destination can be a reliable source for cash.
Traveler’s Checks
Yes, they still exist! Though not as commonly used, traveler’s checks are a safer option since they can be replaced if lost or stolen. American Express still issues traveler’s checks in various currencies without service fees, and they never expire. Keep in mind that some places may charge fees for cashing them, so it’s wise to check in advance. For those who find checks outdated, prepaid travel cards can serve as a modern alternative, although they may come with more fees.
How to Safely Carry Money While Traveling
Now that you know to have a mix of payment methods, let’s discuss how to physically carry your money. To avoid making yourself an easy target for thieves, consider these essential tips:
- Keep It Separated
Instead of stuffing everything into one wallet, separate your cash, cards, and coins. For example, you could carry your main credit card, a small amount of cash, while your partner holds a backup card and a prepaid debit card. Store the rest in a hotel safe. - Disguise Your Money
Mix up your hiding spots. Split your cash into different places on your body, so if one stash is taken, you won’t be left with nothing. A wallet in your front pocket is harder for pickpockets to access, and money belts hidden under clothing can keep your funds secure. - Avoid Displaying Cash
Be discreet when handling money in public. Crowded areas can attract pickpockets, so having a small sum of cash accessible while keeping the bulk hidden is a smart strategy. - Use ATMs Wisely
Only use ATMs during banking hours. Before using one, check for skimming devices by giving it a slight shake. Always conceal your PIN while entering it, as thieves may use hidden cameras. - Have a Backup at Home
Designate someone at home who can help if you lose your travel funds. Make copies of your credit cards and share the information with them. They can assist you with contacting your bank and even wiring funds if necessary. - Consider Travel Insurance
Investing in travel insurance can save you money and hassle, especially for international trips. It covers unexpected expenses, flight rebooking, and even lost luggage.
How Much Money Should You Bring?
While this varies by destination, a good rule of thumb is to prepay as much as you can, and bring $50 to $100 per person per day for spending. Consider the cost of living in your destination when budgeting, as some places may allow you to spend less.
Clever Hiding Spots for Money
When traveling, ensure your cash is kept safe in your accommodation. Some clever hiding spots include:
- An opaque plastic bottle
- Your socks in your suitcase
- A medicine bottle
- A random book
- Inside a coffee container
- Within a DVD case
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Summary
Traveling with money can be a daunting task, especially for families. By carrying a combination of credit cards, cash, and possibly traveler’s checks, and by employing smart strategies for managing your funds, you can minimize risk and enjoy your vacation with peace of mind. Remember to plan ahead, keep your money organized, and stay aware of your surroundings to ensure a smooth and enjoyable trip.