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US Cash in Cuba

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I understand that I won't be able to use my US credit cards or debit cards in Cuba, including not being able to get cash from ATM's.

This means carrying cash. I shouldn't need that much. I am taking a tour and most things have been prepaid. So, money belt time.

I read somewhere that there is a charge for using US dollars in Cuba. Can anyone clarify this and let me know how much? Is the charge less for Canadian dollars? I live close to Canada and could possibly change some US money into Canadian if there was a big benefit.

Thanks,

Cindy

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