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Old 5 Nov 08, 03:29 PM  
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Best way to take spending money

Hi - we're going for the first time in Feb. Can you please tell me what is the best way of taking spending money. To start with I was going to take some cash and travellers cheques, but my husband thinks a cashcard that you load up would be best and not to bother with tc's. My mum says just to use my visa debit card but I have just rung the bank and there is a fee for every purchawe or withdrawal. I will have about £3000 to take. Would a mix of cash, tc's and a cashcard be best? Please help.
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Old 5 Nov 08, 03:30 PM  
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or should I just put everything on visa and pay it off when i get back? Do any cc's charge for using in the US? Which is the best one to use? Thanks
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Old 5 Nov 08, 03:32 PM  
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I think its all down to personal preference really - we went for the first time in september and we ended up taking a mixture of the lot - i had a tesco travel card which was really good and used it everywhere, hubby took cash and travellers cheques which were equally as good and we could use these everywhere as well so its up to u ?!?!

Trish x
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Old 5 Nov 08, 03:44 PM  
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Always wise to have a combination of spending money.

Personally I don't take too much in cash but a combination of TC and the Nationwide Flex account debit card. Change from TC usually gives me all the cash I need.
I have personal CCs to use in case of emergency.

Moneysavingexpert gives good marks to the Nationwide, Post Office and Abbey credit/debit cards depending on your needs.

They don't charge a fee for use, withdrawals from ATMs are usually free, avoid garages etc. Have a look at the link for more details, there's a comparison table about a 1/3 of the way down.

Main difference is that you get the interbank rate which should save you around 5% from the exchange rate for cash or TC.
Only potential downside is you haven't fixed your exchange rate like you have with TC or a top up card. That aspect is a bit of a gamble as it can obviously go either way.
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Old 5 Nov 08, 03:48 PM  
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we always take ours in cash and take our credit cards also
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Old 5 Nov 08, 03:49 PM  
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Originally Posted by alixjones69 View Post
or should I just put everything on visa and pay it off when i get back? Do any cc's charge for using in the US? Which is the best one to use? Thanks
This comparison chart should tell you your CC charges for abroad.

Most CCs charge around 2.5 to 3% foreign transaction fee and interest immediately on cash withdrawals.
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Old 5 Nov 08, 03:54 PM  
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We were there in October and took some cash, but mainly tc's and Fairfx card and a couple of cc's (just in case!)

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Old 5 Nov 08, 03:56 PM  
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we take mix of cash and tc and our credit card, but dont use the card much as dont want to be paying for our holiday when its long gone.
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Old 5 Nov 08, 03:59 PM  
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Nationwide credit card - no fees on transactions
Nationwide debit card - no fees for withdrawing cash from ATM's.

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Old 5 Nov 08, 05:27 PM  
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We have just got back and mainly took TC's. Walmart will now only accept Amex TC's with a limit of $100 per cheque
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