When travelling to a new country, deciding whether to carry cash can be a tricky dilemma. While digital payments are increasingly common, cash still has its advantages. The key is finding the right balance between convenience, security and practicality. Before you set off, it’s worth researching the local payment culture. In many European countries, contactless payments are the norm, while in some parts of Asia or rural areas, cash remains king. Understanding how people typically pay will help you prepare accordingly—checking official tourism websites, watching recent travel vlogs or browsing travel forums can give you a good idea of local payment habits.
Having some local currency on hand can be invaluable in certain situations. Small businesses, market stalls and taxis may not accept cards, and in an emergency—such as a power outage or a declined transaction—you don’t want to be caught short. However, carrying large sums of cash can be a security risk, so it’s best to take only what you need and keep it in a safe place.
To make the most of your travel money, compare exchange rates before converting cash, check whether your bank charges foreign transaction fees, and inform them of your travel plans—many banks let you do this easily via their mobile app—to prevent your card from being blocked. Travel insurance may offer some cover for lost or stolen cash, but it is usually limited, so always have a backup plan. By combining careful planning with a flexible approach, you can ensure smooth and hassle-free spending wherever your travels take you.
