America/Canada Discussion Forum

Discussions regarding holidays in America and Canada
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Which is the best way to pay in Orlando, without the UK banks charging?
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We had an American friend to stay last week. He needed £££s and so we changed his $$$ for him. We checked the buying and selling rates at the post office and chose a rate in the middle thus we both benefited. We now have some dollars for when we visit him in April. We shall take a load of £££s with us as he is coming back over to the UK in May and will change them into dollars for us, again at a favourable rate to both of us. I dare say, as we return to the US in September we shall be in the market for $$$s when he visits.

Anything that does the banks out of ripping us off works for me! ;)
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I have a Nationwide flex account Visa debit card, will I be able to use it easily in America.I am confused on the the charges Nationwide site said there isn't any but other sites say it is 1%?
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We've had no issues using the FlexAccount debit card to withdraw cash at ATM's in Vegas. There is a daily limit of the equivalent of £300 per person, so £600 on a joint account.

You will get the full Interbank rate less the Visa fee, not the tourist rate.

There are no fees or charges. However Nationwide now pass on the fee charged by Visa which is 1%. The Interbank rates is approx $1.53 at the moment so you will get $1.51.

luci :wave
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Off to New York in 2 weeks.

Is it best to take cash or travellers cheques? I know in some places in the US you can spend travellers cheques like cash instead of changing them at Bureu de Change?

Thanks
Emma x
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I have not used travellers cheques for years now. Places that cash them for you generally rip you off and changing them in banks is a pain when you should be enjoying your holiday. I just take a mixture of cash and plastic. ATMs in the states will accept debit cards as well so you can withdraw cash while away.
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Is it best to take cash or travellers cheques? I know in some places in the US you can spend travellers cheques like cash instead of changing them at Bureu de Change?


Depends what you mean by 'best' - both are normally fairly expensive ways of taking money, particularly if you just buy them on the High Street here. Cash is very convenient. TCs have the advantage of security - but even in the US are going out of fashion big time. Americans (who were the main drivers behind their use in the US - foreign tourists were and are irrelevant) have gone for cards in a big way.

Despite any charges, debit cards in ATMs are the way to go. If yours charges a flat fee just take a sensible amount out at a time - not in $20 dribs and drabs.

And use your credit card for spending.
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I usually take a mixture of cash and TC's. I don't find TC's inconvenient at all. You can use them in shops and restaurants as if they were cash, no need to change them beforehand, and get the change in cash.

If I need to I use the ATM's, but be aware that many of them charge a fee on top of any your card issuer will charge.

luci :wave
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I am going to Washington (State) in just under 9 wheeks.
I do have a nationwide flexaccount with a debit card which at the moment could go.

Just what would be the safest way to take money?

what are the bank charges on the US side like for taking out money?
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Withdrawing using your Nationwide FlexAccount debit card is the cheapest way to get money. You will get the full Interbank rate less the 1% fee Visa charges.

However many ATM's in the US charge their own fee for using the ATM and this can vary from ATM to ATM. Place like large supermarkets often have the lowest fees.

I would also take a back up perhaps of traveller's cheques in the event you are unable to use your card for any reason.

luci :wave
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where would you convert travellers cheques? A Bank?
And still just the one piece of ID required?
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You can use TC's in the US as if they were cash and get change in cash. Hotels and banks will also be able to change them.

luci :wave
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Hmmm, can't remember ever using TC's to pay for a meal. I usually cash them at the cashier's cage (no charge), but I have used them in shops and I can't remember if I was asked for ID or not.

A lot of people either disagree with me or don't belive me, but I use a photo copy of my passport and leave the real deal in the safe. There have only been a couple of times the copy wasn't accepted and that was only for joining Player's Clubs and once at check in at Caesars.

ATM's typically charge $4.99 per transaction. The one inside Casino Royale only charges $1 and the one on the top floor of M&M World, which may be closest to Vdara, is $2 I think.

luci :wave
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Hi we are heading to Florida in just over 5 weeks time. Will be our first time there and we are really looking forward to it - but are unsure what is the best thing to do about money when we are there.

We intend to take some dollars with us to have initially but not sure if best option after that is credit card, debit card, travellers cheques ???

a friend mentioned a cashpassport card - has anyone had any experience with one of these over there? Is it easy to get money out, accepted in restaurants etc

Hope someone can help ... any advice much appreciated.
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Using a debit card depends on which bank it is with. The Nationwide currently have a 1% load on spending and cash withdrawals outside Europe. Other cards have various loading and also charge a fee for using. You would need to check with your bank.

You can order cash and TC's from Crown Currency Exchange who usually have the best rates.

Alternatives are using the pre-paid cash cards. Again you would need to read up on the different fees for using them. Fairfx and Caxton are two that will give you a reasonable exchange rate when you load them. However be aware that it will cost you to exchange the money back to sterling if you have anything left on them at the end of the holiday.

Have a look HERE

luci :wave
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Thanks Luci - some really useful information there. I am going to order some TCs from Crown Currency and then look into getting one of the pre-paid cards - see which offers the best terms.
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thanks Luci - I have now ordered some dollars from Crown Currency - not such a good rate as quoted above but 1.53 rate delivered at the end of the month which I am happy with.

still looking into the pre-paid card options.
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is it easy to change english currency into dolars in las vegas please
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I have seen exchange rates posted behind the reception at the Imperial Palace which weren't too bad. However I think you would need to go to the cashier's cage to change sterling to USD.

I have never done it as I use ATM's when I'm there. However I have read that there are huge differences in the rates offered by different casinos.

luci :wave
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