Money Smart: Currency, ATMs, Exchange Rates

Money on a layover

Use cards where you can, avoid bad exchange rates, and carry a little local cash.

Cards vs. cash

  • Use cards with no foreign transaction fees.
  • ATM over exchange booths; skip airport kiosks with high fees.
  • Carry small cash for stalls, transit machines, or tips where cards fail.

Exchange tips

  • Avoid dynamic currency conversion (DCC); always pay in local currency.
  • Know rough FX rates; use your phone to check.
  • Withdraw modest amounts on a short layover; avoid being stuck with extra cash.

Safety

  • Use ATMs inside banks/airports; shield your PIN.
  • Split cards/cash; keep a backup card separate.
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