Should I just use my card abroad?

While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.



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Chime (USA Only) Chime is a good debit card for international travel thanks to its no foreign transaction fees. Unlike multi-currency accounts like Revolut (which let you hold local currency), Chime uses the live exchange rate applied by VISA.

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Credit cards often offer better fraud protection With a credit card, you're typically responsible for up to $50 of unauthorized transactions or $0 if you report the loss before the credit card is used. You could be liable for much more for unauthorized transactions on your debit card.

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You'll sometimes be given this option when taking cash from an overseas ATM too. Now, although you may think it is convenient to pay in pounds because you'll know how much will be taken from your account straight away, don't do it – ALWAYS PAY IN THE LOCAL CURRENCY.

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