How Much Cash Should You Travel with Internationally?


Traveling internationally is an exciting adventure that allows you to explore new cultures, taste different cuisines, and create unforgettable memories. When planning your trip, one important consideration is how much cash you should carry with you. While modern technology has made it easier to go cashless with credit cards, debit cards, and mobile payment apps, having some cash on hand can be essential for various situations. In this article, we’ll explore the factors to consider when deciding how much cash to carry when traveling internationally.

Research Your Destination Thoroughly:

Payment Culture: As mentioned earlier, understanding the payment culture of your destination is vital. Some countries are almost entirely cashless, while others rely heavily on cash. For instance, countries in Northern Europe and major cities worldwide tend to be more card-friendly, whereas rural areas and smaller towns might prefer cash.

Local Currency: Familiarize yourself with the local currency. Know its denominations, symbols, and current exchange rates. This knowledge will help you make informed decisions when exchanging money or making purchases.

Emergency Fund:

Healthcare Costs: Consider the quality of healthcare and potential medical expenses in your destination. Carrying extra cash for medical emergencies is wise, especially if your travel insurance has a deductible or doesn’t cover certain expenses.

Travel Delays or Loss: Cash can be a lifesaver in situations like flight delays, lost luggage, or unexpected cancellations. It allows you to cover accommodation, food, and transportation during such disruptions.


Currency Exchange Rates:

Exchange in Advance: Depending on your home country, it’s often a good idea to exchange some currency in advance. Banks or currency exchange offices outside of airports typically offer better rates.

Local Exchange: While traveling, compare exchange rates at local banks or exchange bureaus. Try to avoid exchanging money at airports or tourist hotspots where rates can be less favorable.


Daily Expenses:

Budgeting: Create a detailed daily budget for your trip. This should include accommodation, meals, transportation, activities, and a little extra for unexpected expenses. Plan to carry enough cash to cover these daily costs for the entire duration of your stay.

Card and Digital Payment Options:

No-Foreign Transaction Fee Cards: When choosing credit or debit cards for international travel, opt for those that do not charge foreign transaction fees. These fees can add up quickly if you’re relying heavily on cards.

Mobile Payment Apps: Some countries have embraced mobile payment apps like Alipay (China), WeChat Pay (China), or Paytm (India). Consider installing these apps if you’ll be traveling to regions where they are widely accepted.

Safety and Security:

Divide Your Funds: Don’t keep all your cash in one place. Split it between your wallet, a money belt, and a hidden pouch. This minimizes the risk of losing everything if one of these gets stolen.

Use Hotel Safes: If your accommodation provides a safe, use it to store extra cash and important documents.

Notify Your Bank: Inform your bank about your travel plans, including the countries you’ll be visiting. This helps avoid potential card blocks due to unusual international transactions.

Access to ATMs:

ATM Locations: Familiarize yourself with the locations of ATMs near your accommodation and main tourist areas. Having access to ATMs is crucial for obtaining local currency as needed.


ATM Fees: Be aware of any ATM fees, both from your bank and the local bank. Some banks offer reimbursement for ATM fees incurred during international travel, so it’s worth checking with your bank beforehand.


The amount of cash you should carry when traveling internationally depends on various factors, including your destination’s payment culture, your budget, and your emergency preparedness. By conducting thorough research, planning ahead, and taking appropriate safety measures, you can strike the right balance between cash, cards, and digital payments to ensure a smooth and financially secure journey abroad.


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