Cash Needs: Practical Money Tips for Every Traveller
Ever booked a dream trip and then panicked when the cash‑drawer at the hotel was empty? You’re not alone. Most travellers forget that cash isn’t just a back‑up—it’s often the easiest way to cover small fees, local transport, or a sudden tip. Below you’ll get straight‑forward steps to figure out how much money you really need, where to keep it safe, and how to avoid nasty surprises.
Plan Your Cash Before You Go
Start by listing every expense that can’t be paid with a card. Think of things like bus tickets in rural towns, market stalls, and tip‑jar donations at pubs. Add a buffer of about 10‑20% for emergencies – it’s cheaper than borrowing on the road. Once you have a total, compare it with the daily cash allowance that your bank lets you withdraw abroad. If the amount is higher, consider a prepaid travel card or a second debit card to split the load.
Next, check the exchange rate you’ll get at home versus the rate at the airport. Airports usually charge a hidden markup, so withdrawing a small amount there and then using local ATMs for the rest saves money. Most UK banks waive foreign ATM fees on certain accounts, so make sure your card is on that list before you leave.
Smart Ways to Use Cash On‑the‑Road
When you arrive, withdraw only what you need for the first day. Keeping a big bundle of notes in your backpack is a risk – split cash between a money belt, a hidden zip pocket, and a secure hotel safe. If you’re staying in a hostel, ask if they have a locker; many will let you store cash for free.
Watch out for hidden fees at local merchants. Some places add a “currency conversion” surcharge on card payments, which can be more expensive than paying with pounds. In those cases, paying cash is the cheaper option. Also, always ask for a receipt – it helps you track spending and spot any double‑charged amounts quickly.
Finally, have a backup plan. Keep a small emergency stash – maybe £20 in a separate pocket – for moments when your card is declined or the ATM is out of service. A quick call to your bank can unlock a frozen card, but you need a way to survive until the fix works.
Managing cash needs isn’t rocket science, but a little preparation makes a huge difference. Write down your cash budget, spread the money safely, and stay alert for hidden costs. Follow these tips, and you’ll spend less time worrying about money and more time enjoying the scenery.
