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Exchanging Canadian money in Vietnam, Cambodia & Thailand

Exchanging Canadian money in Vietnam, Cambodia & Thailand

Old Jan 11th, 2020, 12:55 PM
  #21  
 
Join Date: Aug 2007
Posts: 538
"...The two ATM cards I have reimburse all fees charged by the owner of the foreign ATM. They reimburse all fees at the end of the month, including their own fees. That is why I go to the ATM daily when travelling."

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I don't think any debit cards are totally free. Somehow they get you one way or another. Perhaps an annual fee or some other hoop to jump through.

My debit cards through my credit unions are free of annual charges and reimburse some ATM fees but no more than $10 a month. I have no problem having US hundred dollar bills with me on my trips to Asia now. For Thailand no fee or commission to change US dollars to Thai baht. My trips are shorter now and I never use expensive hotels and restaurants or expensive places to drink at.

Whatever keeps you happy.

SirHalberd is offline  
Old Jan 11th, 2020, 02:08 PM
  #22  
 
Join Date: May 2004
Posts: 7,809
"For Thailand no fee or commission to change US dollars to Thai baht." Ever heard the expression there is no such thing as a free lunch? There may not be an explicit fee or commission but there will be a charge which is usually worked into the exchange rate being used. There are tools out there, for both professional and retail use which will work out comparative costs.
crellston is offline  
Old Jan 29th, 2020, 07:17 AM
  #23  
 
Join Date: Nov 2009
Posts: 971
Originally Posted by SirHalberd View Post
"...The two ATM cards I have reimburse all fees charged by the owner of the foreign ATM. They reimburse all fees at the end of the month, including their own fees. That is why I go to the ATM daily when travelling."

-

I don't think any debit cards are totally free. Somehow they get you one way or another. Perhaps an annual fee or some other hoop to jump through.

My debit cards through my credit unions are free of annual charges and reimburse some ATM fees but no more than $10 a month. I have no problem having US hundred dollar bills with me on my trips to Asia now. For Thailand no fee or commission to change US dollars to Thai baht. My trips are shorter now and I never use expensive hotels and restaurants or expensive places to drink at.

Whatever keeps you happy.

It's not a question of what keeps me happy, it's factual information, which you keep disputing. Here are the facts:

Credit unions are not known for offering particularly good deals for ATM foreign fee transactions. I never said I had a credit union card, I said I have a Schwab card and a First Republic Bank card. Here are the links to the two cards:

https://www.schwab.com/checking
The Schwab card comes with all fees reimbursed, whether it's from the foreign bank, or their own. All fees are reimbursed at the end of the billing cycle. There is no minimum balance requires, and no secret catch.

https://www.firstrepublic.com/person...ebate-checking
This account reimburses all fees as well from the foreign banks, no limit. This account requires that you keep $3500 in it, so it is not quite as good as the Schwab card, but it is good, in my opinion, to have a secondary card.

Everyone has a different travel style. We just returned yesterday from visiting four South American countries in 17 days, and it was great getting a tiny bit of cash in each country for that last taxi ride.

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