Euros before arriving?
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Euros before arriving?
HI there - we're heading to Italy (Rome & Amalfi) for the week before Easter. Super basic question but would you recommend we exchange USD for euros before we arrive? Or are the exchange rates better once we arrive? There will be four of us - do you think ~$250 will be enough or would you recommend more? I'm assuming most places will take cards. Thanks

#2
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Generally speaking, you are better off by simply using you debit card to withdraw local currency when you arrive at the airport. You get a poor rate of exchange whether you are using an exchange office or your bank before you leave. ATM rates tend to be as good as you are going to get.
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It’s good to have a few euros in cash upon arrival for tips etc, just in case you can’t get to an ATM right away. I keep a small stash of euros at home, left over from previous trips to the eurozone. Exchange rates are the same internationally, but service charges differ. I use my credit card, which has no foreign transaction fees almost exclusively, not least because I get cash back on every transaction. No fees plus 1.5% cash back puts me ahead of any other forex rate and I seldom need cash.
if you need only a small amount of euros, say €50, it might actually save you time and gas money to buy them at an airport exchange bureau. I’ve had howls of outrage when I’ve written this before, but do your math and the extra charge is only a few dollars, a small price for convenience.
if you need only a small amount of euros, say €50, it might actually save you time and gas money to buy them at an airport exchange bureau. I’ve had howls of outrage when I’ve written this before, but do your math and the extra charge is only a few dollars, a small price for convenience.
Last edited by Heimdall; Mar 11th, 2023 at 06:52 AM.
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I like having a small amount of euros when I land (enough for the first day) as I fly from the US West Coast and am pretty wiped out by the time I arrive. I prefer to use ATMs attached to banks that are open as my card was once "eaten" by an ATM and I had to wait until the next day to be able to retrieve it.
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HI there - we're heading to Italy (Rome & Amalfi) for the week before Easter. Super basic question but would you recommend we exchange USD for euros before we arrive? Or are the exchange rates better once we arrive? There will be four of us - do you think ~$250 will be enough or would you recommend more? I'm assuming most places will take cards. Thanks 

Acceptance of cards in Italy has increased enormously in recent years, partly because the government now obliges almost all businesses to accept them, and has a limit on cash transactions.
Just a few years ago, I used to count on spending about €300 in cash each month. Now I barely spend €100 in cash.
One of my daughters arrived in Rome. She bought her train tickets to my home with her credit card at the airport. She bought lunch at the train station with her card, and bought snacks and water for the train ride with her card. Taxis are now required to accept cards.
Credit or debit cards get you the best exchange rate, and you should use them as much as possible.
The same works with travel to other countries. I used to get some dollars from my bank before traveling to the US. On my most recent trip, I didn't bother, and I realized when I was heading home that I had never touched a dollar.
Some countries are less accepting of cards. I read that this is the case in Germany. However, in the Netherlands a few years ago, cards were universally used even for small purchases. We had trouble even finding an ATM on the one occasion when we needed cash.
One difference from the US is that you won't have the "cash back" option in supermarkets or other shops. If you need cash, you'll need to go to an ATM. When you insert an American card, some ATMs will automatically switch to English, and others will give you an option for English.
Last edited by bvlenci; Mar 11th, 2023 at 07:42 AM.
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#10
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I always have some, but I would have enough that you could pay for a taxi if you had to, in cash.
No currency is ever cheaper in a foreign country than the country where it is the currency.
I get Heimdall's point, buying euros from some foreign service online or from your bank or credit union will probably cost you about 7-10 pct fee. The airport may be 15-20 or something, I bet, but for 100 euro, it's a very minor cost not worth worrying about in your travel budget, maybe $10-ish or something?
this is the American company AAA and many banks/credit unions use
https://www.ceifx.com/
If you live in a big city, there is probably a location where you can pick it up for free rather than mail and right now they are charging 15 pct markup. If you do have one near you and it's not a big trip or where you'd be doing errands anyway, the airport won't be cheaper if you'd like to have it on you for security. I could see that myself.
No currency is ever cheaper in a foreign country than the country where it is the currency.
I get Heimdall's point, buying euros from some foreign service online or from your bank or credit union will probably cost you about 7-10 pct fee. The airport may be 15-20 or something, I bet, but for 100 euro, it's a very minor cost not worth worrying about in your travel budget, maybe $10-ish or something?
this is the American company AAA and many banks/credit unions use
https://www.ceifx.com/
If you live in a big city, there is probably a location where you can pick it up for free rather than mail and right now they are charging 15 pct markup. If you do have one near you and it's not a big trip or where you'd be doing errands anyway, the airport won't be cheaper if you'd like to have it on you for security. I could see that myself.
#11
Please just let me caution on what not to do when using an ATM. I now stay away from using airport ATMs as mine got hacked at the domestic terminal at Edinburgh airport. Do your best to always ensure there isn't a skimming device or little camera near the pin keypad. Covering your hand when entering your pin helps but it can still be hacked. They can still use it like a credit card but if tgey get the pin, they can get cash.
I never thought my card would have been hack inside an air terminal before leaving the secure area but it happened. So just be extra vigilant even at home when you need to use one.
I never thought my card would have been hack inside an air terminal before leaving the secure area but it happened. So just be extra vigilant even at home when you need to use one.
#12
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Please just let me caution on what not to do when using an ATM. I now stay away from using airport ATMs as mine got hacked at the domestic terminal at Edinburgh airport. Do your best to always ensure there isn't a skimming device or little camera near the pin keypad. Covering your hand when entering your pin helps but it can still be hacked. They can still use it like a credit card but if tgey get the pin, they can get cash.
Use an ATM connected to a bank, during the bank's business hours. Withdraw euros, and decline conversion.
The last time I checked, the conversion rate offered by an ATM was off by 5% from what my bank offered. That's not going to ruin your holiday, but it's an unnecessary fee.
Use your card as much as possible. If a merchant tells you their POS system is down, tell them you'll have to go elsewhere in that case. You may witness a miraculous cure.
I would also avoid apartments that want to be paid in cash. Carrying large amounts of cash puts you at risk. The advantage is all theirs, as they can avoid taxes on that income. Some merchants claim that a POS machine costs too much, but try there are apps they could use.
#13
Back to carrying small change: Even here in Switzerland there are places that still accept cash only. These are often small businesses that offer local products, etc. All business must pay a fee to the credit card company so some just don't want to get on board. Also, there is the issue of tips. Europe is not a tipless society and a few Euros or cents (or whatever the local currency is) are always appreciated, especially when ordering in restaurants or using guides, etc. We tend to round up here to show our appreciation to those in the service industry.
I believe each country has their own "cashless" app as well. Switzerland uses Twint almost religiously now but I'm not sure how that works with tourists.
I believe each country has their own "cashless" app as well. Switzerland uses Twint almost religiously now but I'm not sure how that works with tourists.
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#15
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We just came back from Germany and Belgium in January with an overnight in S. Korea on the way there. We used card almost everywhere except in taxis - drivers really want cash, and that was in both Brussels and Wiesbaden. And no, they're not part of the black economy - both the drivers in Brussels were recording their trips on a clipboard. So be mindful to have enough cash if you catch a taxi. But everywhere else, card was just fine.
Lavandula
Lavandula
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We've rented 74 gites through Gites de France. Almost all gite proprietors want a caution/security deposit upon arrival. So far - not a single proprietor has been able to handle a credit/debit card. They all wanted cash.
But this is in France - not Italy.
Stu Dudley
But this is in France - not Italy.
Stu Dudley
Last edited by StuDudley; Mar 12th, 2023 at 04:14 PM.
#17
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Of course, there are always people who evade the law.
#18
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We used card almost everywhere except in taxis - drivers really want cash, and that was in both Brussels and Wiesbaden. And no, they're not part of the black economy - both the drivers in Brussels were recording their trips on a clipboard. So be mindful to have enough cash if you catch a taxi. But everywhere else, card was just fine.
#19
In France today, paid for lunch in a shack, paid with debit card, just "touched" the reader with RDF end if card after verbally agreeing to round up €48 to €50.
Without starting a tip thread, that is culturally what you do.
Once in a blue moon I use my pin number, haven't used cash in France, UK, Switzerland or Netherlands since September for a hair cut
Without starting a tip thread, that is culturally what you do.
Once in a blue moon I use my pin number, haven't used cash in France, UK, Switzerland or Netherlands since September for a hair cut