Pul - Money

Vikipediya: Valyuta ifodalari uchun ko'rsatmalarni tahrirlash uchun valyuta.

Ma'lumot puldan foydalanish bilan qoplangan xarid qilish, va Sotib oling maqsad ko'rsatmalar bo'limi. Ushbu maqola haqida umumiy ma'lumotlarni o'z ichiga oladi olish pul, turli xil shakllarda, ko'plab yo'nalishlarda foydalanish uchun, ko'pincha uydan tashqari boshqa valyutalar bilan.

Sayohat paytida pul olish va almashtirishning bir qancha usullari mavjud. Siz har doim xarajatlar, xavf va qulaylik bilan savdo qilasiz. Afsuski, uyushgan va boshqa jinoyatchilar sizning pulingizni olishning ko'plab usullarini ishlab chiqdilar. Kredit kartalarida noqonuniy foydalanilgan taqdirda qancha miqdorda javobgar bo'lishingizni qonuniy chegaralari mavjud. Debet va bankomat kartalarining boshqa xatarlari va foydalari bor. Ushbu maqolada ulardan qanday foydalanish, ularning xavf-xatarlari va valyuta yoki naqd pulni qanday olish haqida gap boradi.

Valyuta kurslari

Valyuta kurslari bilan tizimga kiring Qozog'iston

Xorijiy valyuta almashinuvi fond bozoriga o'xshaydi; ammo, stavkalarda juda katta kundalik o'zgarishlar odatiy hol emas. Sayohat qilishdan oldin va sayohat qilayotganda siz o'zingizning uy valyutangiz va siz yuradigan valyutalarning nisbiy bozor qiymatlarini bilishingiz kerak. Valyuta kurslari biznes manbalari kanallari, gazetalarning biznes bo'limlari, bank veb-saytlari, moliya veb-saytlari, valyuta ayirboshlash saytlari va Google, Yahoo va boshqalar kabi mashhur qidiruv tizimlari kabi ko'plab manbalar orqali amalga oshiriladi. Bundan tashqari, siz turli xil dasturlarni yuklab olishingiz yoki ba'zi smartfonlar bilan birga oldindan o'rnatilgan konversion dasturlardan foydalanishingiz mumkin. Ammo quyida va keyingi bo'limlarda muhokama qilinadiganidek, chakana konvertatsiya qilish uchun ishlatiladigan haqiqiy stavka ko'pincha bir necha foizga yomonroq bo'ladi, chunki valyuta ayirboshlash shoxobchalari biznesdir va daromad olish yo'lini topishi kerak.

Berilgan kurs sizning uy valyutangizdagi xorijiy birliklar sonimi yoki aksincha ekanligini bilish juda muhimdir. Buni orqaga qaytarish a bo'lishi mumkin juda qimmat xato. Ushbu xato, ehtimol ikkala valyuta bir-birining qiymatiga ko'ra ikki yoki uch baravar ichida bo'lsa sodir bo'lishi mumkin. Har qanday aralashmalarni oldini olishning eng yaxshi usuli - bu sizning belgilangan manzilingizdagi valyutaning birligiga to'g'ri kelishini aniqlashdir Ko'proq yoki Ozroq sizning uy valyutangizga qaraganda. Bundan tashqari, qo'pol yo'l-yo'riqlar uchun avvalgi xatboshida tasvirlangan onlayn va mobil konvertatsiya vositalaridan foydalanishingiz mumkin. Masalan, Britaniya funt sterlingi bir AQSh dollaridan ko'proq, Yaponiya yenasi esa AQSh dollaridan ancha past. Ko'proq qiymatga ega valyutalar kursi birdan kattaroq bo'lishi kerak - ushbu multiplikatordan foydalaning. Aksincha, arzonroq qiymatga ega bo'lgan valyutalar o'nli kasrdan boshlanishi kerak (masalan: 0.2345) - ushbu multiplikatordan ham foydalaning. Agar sizda faqat boshqa yo'nalishdagi stavka bo'lsa, the o'zaro yoki teskari kalkulyator tugmasi (odatda 1 / X) uni o'zgartiradi. Masalan, agar sizda 4.264 kursi bo'lsa, lekin u sizning uy valyutangizdan arzonroq ekanligini bilsangiz, o'zaro kalit uni yana 0,2345 ga o'zgartiradi (taxminan). Xato tekshiruvi sifatida, stavkaning ko'paytirilgan ikkala shakli bir-biriga chambarchas teng bo'lishi kerak (0.9999, 1.0001 yoki shunga o'xshash). Agar sizda bitta stavka bo'lsa va sotishda teskari bo'lsa, e'tibor bering tarqalish quyida.

Valyuta kursining ikkala shakli ham maqsadga muvofiqdir. Oldingi misoldan foydalanib, kelgandan so'ng, siz o'zingizning uy valyutangizning har bir birligi uchun 4,264 ta chet el valyutasini olasiz (to'lovlarsiz). Chiqib ketishda har bir qolgan chet el valyutasi uchun siz o'zingizning uy valyutangizdan 0,2345 birlik olasiz (yana to'lovlarsiz). Xuddi shu tarzda, tashqi narxlarni o'zingizning valyutangizga o'tkazish uchun 0,2345 ga ko'paytiring.

Ayirboshlash kassalarida sizning uy valyutangiz uchun "sotib olish" va "sotish" narxi ko'rsatiladi. Bular bir-biriga qanchalik yaqin bo'lsa ("tarqalish" deb nomlanadi), bitim shunchalik yaxshi bo'ladi. E'lon qilingan xalqaro bozor stavkalari (faqat million dollar ekvivalenti bilan almashinadiganlar uchun mavjud) sotib olish va sotish narxining o'rtasida bo'lishi kerak. Kamroq almashinadigan valyutalar katta tarqalishga ega bo'lishi mumkin, shuning uchun sotib olish va sotish ancha qimmatga tushadi.

Birja peshtaxtasidagi kurslardan tashqari, shuningdek har qanday operatsiya uchun olinadigan barcha to'lovlarga e'tibor bering. Ba'zilari sobit bo'lishi mumkin, boshqalari o'zgaruvchan va ishlatilgan stavka asosida o'rnatilishi mumkin. Valyuta ayirboshlashning sof qiymati ko'pincha bankomatlar tomonidan valyuta olishdan sezilarli darajada yuqori (sizning bank to'lovlaringiz hisobga olingan holda), chunki xarajatlar bank kassalari va ish joylari (ayniqsa aeroportlarda) uchun katta.

Agar siz xarid qilish uchun pul almashtirmoqchi bo'lsangiz, foiz stavkasi to'lovlarni o'z ichiga oladi. Siz oladigan chet el pullari miqdorini siz to'laydigan ichki pullar miqdoriga bo'lish orqali olasiz. Kalkulyatoringizdan doimo foydalanishni xohlamasligingiz sababli, ozgina kuch sarflab hisoblashingiz mumkin bo'lgan taxminiy taxminni topsangiz yaxshi bo'ladi. Agar siz ushbu misolda 5 tagacha yaxlitlasangiz, o'zingizning valyutangizda konservativ narxni olish uchun siz beshga ko'paytirasiz (yoki ikkiga bo'linib, kasrni ko'chirasiz). Keyin siz uydagidan arzon bo'lmagan har qanday taklifni ushbu narx bo'yicha bekor qilasiz - aslida 15% arzonroq - yoki yaqinlashayotgan takliflar uchun kalkulyatordan foydalaning. Agar siz matematikani va kasrlarni yaxshi bilsangiz, odatda unga yaqinroq narsani topishingiz mumkin.

Naqd pul

Dunyo bo'ylab pul mablag'lari

Naqd pul an'anaviy va ko'p qirrali to'lov usuli bo'lib, u sayohat paytida sizga kerak bo'lgan umumiy tovar va xizmatlarning ko'pchiligini to'lash uchun ishlatilishi mumkin. Biroq, naqd pulni barcha xaridlar uchun ishlatib bo'lmaydi. Shuningdek, pulni davlat chegaralari orqali olib o'tish yoki jo'natishda cheklovlar mavjud (qarang) quyida).

Juda katta qiymatdagi yozuvlardan saqlaning. Agar sizning eslatmangiz bir haftalik maoshga teng bo'lsa, ozgina joy o'zgarishni ta'minlay oladi. Agar siz o'zingizning mamlakatingizdan kambag'alroq hududga tashrif buyurgan bo'lsangiz, shunchaki hayratlanarli darajada kichik notalar ishlatilishi mumkin. Shuningdek boy mamlakatlarda kichik rastalar, avtobuslar va boshqalar katta eslatmalarni olishni istamasligi mumkin. Agar siz qachon kambag'al o'ynasangiz savdolashish, to'lashda siz katta yozuvlarni ko'rsatishni xohlamaysiz. Ba'zi joylarda o'zgarishsiz hiyla-nayrang keng tarqalgan firibgarlikdir.

Ko'pgina mamlakatlar sizdan milliy valyutada naqd pul talab qiladi. Biroq, ba'zi rivojlanayotgan mamlakatlarda turist sifatida sizdan qattiq valyutani ishlatish kutilmoqda (qarang. Qarang) quyida) o'rniga mahalliy valyuta - odatda AQSh dollari yoki evro yoki mintaqaviy qattiq valyuta. Ba'zi bir sayyohlik hududlarida, aeroportlarda, samolyotlarda va chegaradosh mintaqalarda siz istalgan yirik valyuta yoki chegaradosh mamlakat valyutasi orqali o'tishingiz mumkin. Ko'pincha bu valyuta kursiga o'rnatilgan qo'shimcha xarajatlarga olib keladi. Makao deyarli Gonkong dollarlarini pataka bilan 1: 1 asosida qabul qiladi va bu farq kichikroq operatsiyalar uchun sezilmaydi. Biroq, Makaoning pullarini Makao tashqarisida Gonkong dollarlariga qaytarib berish, hatto Gonkongda ham juda qimmat. Malayziyadan Singapurga transchegaraviy transport bilan bog'liq to'lovlar Singapur dollarlarini 1: 1 asosida qabul qiladi, chunki almashinuv sotuvchiga foyda keltiradi. Bu teskari ishlamaydi.

Naqd pulni barcha xaridlar uchun ishlatish mumkin emas. Kioskka asoslangan ko'plab operatsiyalar (masalan, McDonalds-da) va mobil telefonlarga asoslangan dasturlarda naqd pul qabul qilinmaydi. Ko'pgina avtomobillarni ijaraga beruvchi kompaniyalar kredit kartani talab qiladi. Yirik mehmonxonalar ko'pincha kredit karta yoki katta miqdordagi zayomni talab qiladi. Agar sizda faqat naqd pul bo'lsa, qo'shni qo'shnilar navbatdan sakrab, faqat kredit kartalarni qabul qiladigan navbatsiz mashinaga borganda yoki u erga borayotganda chiptalarni onlayn sotib olganingizda, siz ushbu kirish chiptalari uchun navbatda turasiz. Ba'zi davlat raqamli tolingni faqat onlayn karta orqali to'lash mumkin va sayyoh uchun naqd pul bilan to'lashning amaliy usuli mavjud emas. Naqd pul sizga velosipedni ijaraga olishga ruxsat bermaydi Vashington, DC, yoki tranzit kartangizni stantsiyada to'ldiring Sidney. Nordikadagi yirik mehmonxonalar tarmoqlari, xuddi shu mintaqadagi ba'zi muzeylar kabi, endi naqd to'lovlarni qabul qilmaydi. Butun dunyo bo'ylab jamoat transporti tizimlari, shu jumladan, shunga o'xshash joylarda Managua - naqd puldan umuman xalos bo'lmoqdalar, buning o'rniga maxsus o'rnatilgan karta bilan to'lashni talab qilmoqdalar.

Naqd pulning yana bir kamchiligi - bu xavf. Agar siz uni yo'qotib qo'ysangiz, uni qaytarib ololmaysiz va agar kimdir sizning katta pulingiz borligini bilib qolsa, siz o'g'ri yoki qaroqchining potentsial nishoniga aylanasiz. Ba'zi himoya masalalari muhokama qilinadi cho'ntaklar maqola, ammo to'liq mudofaa yo'q - naqd pul olib yurish har doim xavfni o'z ichiga oladi. Sayohat sug'urtasi naqd pulni yo'qotish yoki o'g'irlashni ma'lum bir qiymatgacha qoplashi mumkin. Agar siz qalbaki yozuvni olsangiz yoki korxonadan noto'g'ri o'zgarishlarni qabul qilsangiz, odatda sizda kam murojaat mavjud.

Mahalliy pullardan foydalanganda, asosiy nota dizaynlari va ularning xavfsizlik xususiyatlari (suv belgisi, gologramma va boshqalar) bilan tanishib chiqing va qalbaki va eskirgan valyutalarga e'tibor bering. Safarni boshlashdan oldin valyuta kursini qidirib toping va agar iloji bo'lsa, uni kundan-kunga qidirib topsangiz, u juda ko'p o'zgarib turadi. Agar siz buni unutgan bo'lsangiz va aeroportda qo'pol raqam kerak bo'lsa, aeroportlar va bank pul birjalari odatda aniq (ba'zan yomon bo'lsa) kurslarga ega. Esingizda bo'lsin: sotib olish va sotish stavkasi o'rtasidagi farq ularning foydasi, shuning uchun u qanchalik past bo'lsa, stavka shuncha yaxshi bo'ladi. Albatta, bularning barchasi "rasmiy" valyuta kursi bo'lgan, ularning valyutasining haqiqiy qiymatiga hech qanday aloqasi bo'lmagan mamlakatlarga yoki inflyatsiyaning qochib ketgan mamlakatlariga taalluqli emas. (Venesuela va Zimbabve 2015 yilgacha bunga misol bo'la oladi.) Banklar va pul ayirboshlovchilar (ofisdan tashqarida ishlaydilar, palto cho'ntagidan miltillovchi pullar chiqmaydi) deyarli har doim xavfsiz, ammo taksi haydovchilari va mayda savdogarlar vasvasa qilishlari mumkin. foydasiz yozuvlardan palma. Agar shubhangiz bo'lsa, notanish yozuvlarni rad eting. Bundan tashqari, katta notalardan ayniqsa shubhalaning, chunki ular ko'proq soxta.

Ko'chada sotuvchilardan sotib olish uchun naqd pul olib keling

Agar siz chet elda pulingizni o'zgartirmoqchi bo'lsangiz, o'z valyutangizdan eslatma olib keling faqat yaxshi holatda va faqat eng so'nggi (qayta) dizayn (agar bo'lmasa) haqiqatan ham yangi). Belgilangan banklar eskirgan valyutani osongina yoki arzonga almashtirishga qodir emas, chunki ular o'z mamlakatlari valyutalariga ega bo'lishlari mumkin. Eskirgan qog'oz pul birligi qadrsizlanishi mumkin - agar u umuman qabul qilingan bo'lsa. Yaxshi holatda bo'lsa ham, sizning valyutangizning avvalgi dizaynlari soxta narsalar sababli qabul qilinmasligi mumkin. Agar siz chet elda AQSh dollaridan foydalanmoqchi bo'lsangiz, qabul qilingan qatorlar haqida biling va faqat aniq yozuvlarni oling. Agar siz AQShdan boshqa mamlakatlarga olib borish uchun AQSh dollarini sotib olsangiz, bankka yoki birjaga xabar bering, shunda ular sizga to'g'ri seriyalarning yangi eslatmalarini berishlari mumkin.

Odatda siz o'zingizning valyutangizni boshqa mamlakatga yoki tashqarisiga olib kirishingiz uchun cheklovlar yo'q. Biroq, ma'lum bir qiymatdan yuqori miqdorlarni e'lon qilishingiz kerak. Odatda 10,000 AQSh dollar atrofida yoki unga teng - ammo immigratsiya shakllarini diqqat bilan o'qing. Ba'zi mamlakatlarda mamlakatdan olib ketishingiz mumkin bo'lgan milliy valyuta miqdori bo'yicha cheklovlar mavjud. Mahalliy qo'llanmalarni tekshiring.

Naqd pulni qaerdan olish yoki almashtirish

Almashish stendi, Tiraspol
CautionEslatma: Vaziyat har bir mamlakatda va hatto har bir joyda farq qiladi. Bir mamlakatda mahalliy naqd pulni olishning eng yaxshi usuli qanday bo'lishi mumkin, aksincha bu hamma joyda eng maqbul usul emas. Quyidagi maslahatlar mumkin bo'lgan umumiy amaliyotlar va qo'shimcha ma'lumot uchun tegishli mamlakat va shahar qo'llanmalariga murojaat qilganingiz ma'qul.

Ko'pgina mamlakatlarda eng yaxshi variant (qulaylik va odatda yaxshi valyuta kursini hisobga olgan holda) bu boradigan mamlakatda bankomatdan foydalaning almashtirish uchun katta miqdordagi naqd pul olib kelish o'rniga. Odatda bankomat yordamida naqd pul almashtirish bilan bog'liq katta to'lovlar va yomon kurslar mavjud (kartalar va bankomatlardan foydalanish bo'yicha quyidagi bo'limga qarang). Ushbu qoidadan istisno Osiyo moliyaviy markazidir Singapur, bu erda kichik, mustaqil pul o'tkazgichlar tez-tez banklarga yoki kredit karta kompaniyalariga qaraganda yaxshiroq stavkalar bilan ta'minlaydilar, ayniqsa katta miqdordagi pullarni almashtirishda.

Pul birjalari chet el valyutasini bir kursda sotish va boshqasida sotib olish asosida ishlaydi. Bilganingizga ishonch hosil qiling joriy banklararo valyuta kursi uydan chiqishdan oldin. Raqobat ko'proq bo'lgan joyda stavkalar yaxshiroq bo'lishi mumkin. Eng qulay almashinuv joylari (aeroportlar, savdo markazlari yoki yirik mehmonxonalar kabi) odatda eng yomon narxlarga ega. Iloji bo'lsa, "biz sotamiz" va "biz sotib olamiz" o'rtasidagi farqni (yoki tarqalishini) tekshiring. Agar bu 10% dan oshsa, siz albatta yirtilib ketasiz. Biroq, ba'zi bir valyuta ayirboshlovchilar o'rta qavatning ikkala tomoniga ham xuddi shunday tarqalishni taklif qilmaydi. Sayyohlik hududida ular mahalliy valyutani sotib olishdan ko'ra mo''tadil narxdan ko'proq sotishlari mumkin - chunki ularning operatsiyalarining aksariyati mahalliy valyutada o'tkazishi kerak bo'lgan sayyohlar bilan bog'liq. Eng yaxshi almashinuvlar o'rta darajadan 1,5% gacha tushishi mumkin. Shuningdek, har bir operatsiya uchun qo'shimcha komissiya mavjudligini tekshiring va buni hisobingizga oling. "Komissiya yo'q" yoki "0% komissiya" belgisiga duch kelganingizda ehtiyot bo'ling: bu odatda chet el valyutasini to'g'ridan-to'g'ri banklar bilan almashtirish mumkin degan ma'noni anglatadi. Siz odatda eng yaxshi yoki eng yomon stavkalarga ega bo'lmaslik uchun bankka bog'liq bo'lishingiz mumkin. Ba'zi banklar sizni katta miqdordagi mablag'ingiz bo'lsa va / yoki ular bilan yoki o'z mamlakatingizdagi filiallarda hisob qaydnomangiz bo'lsa, boshqalari o'z almashinuv funktsiyalarini ayirboshlash byurosiga topshirgan taqdirdagina sizga ko'ngil ochishadi. Yana bir kamchilik shundaki, ular asosan ish vaqti cheklangan, shuning uchun dam olish kunlari va ta'til kunlarida siz omadsiz qolasiz. Lombardlarga biriktirilgan valyuta do'konlari o'rtacha narxlarni sinab ko'rishga arziydi. Ba'zi muassasalar valyutani almashtirishdan oldin identifikatsiyani talab qilishadi, ayniqsa katta miqdordagi pullarga.

Ba'zi hollarda pulingizni jo'nab ketishingizdan oldin almashtirishingiz yaxshiroq bo'lsa, boshqalarda uni boradigan joyingizda qilganingiz ma'qul. Umumiy qoida tariqasida, dunyoda unchalik taniqli bo'lmagan valyutalar qonuniy to'lov vositasi bo'lgan mamlakatdan tashqarida unchalik qulay bo'lmagan valyuta kurslariga ega. Aslida ular avval konvertatsiya qilinishidan oldin AQSh dollari kabi taniqli valyutaga aylantirilishi mumkin. xost valyutasiga, shuningdek, noqulay narxlarda. Agar shunday bo'lsa, ketishdan oldin uy valyutangizni asosiy valyutaga (odatda AQSh dollari) aylantiring, keyin kelganda ushbu asosiy valyutani asosiy valyutaga almashtiring. Ketishingizdan oldin eng yaxshi narxlarni xarid qilish uchun ko'proq vaqtingiz bor. Belgilangan joyga, eng yaxshi stavkalarga ega bo'lgan valyutani topish sizning qimmatbaho ta'til vaqtingizni oladi.

Hozirgi kunda aksariyat asosiy valyutalar qalbakilashtirilishi mumkin. Chet el valyutasining yozuvlarini o'rganing, u qanday ko'rinishi va his etilishi kerakligini bilib oling. Deyarli barcha valyutalarda qalbakilashtirishga qarshi texnologiyalar, shu jumladan rang o'zgaruvchan siyoh, moybo'yoqli belgilar, maxsus iplar, iridescent siyohlar, ko'tarilgan bosma, gologrammalar va boshqa xususiyatlar qo'llaniladi. Ular bilan tanishib chiqing, shunda siz yangi kassa olganingizda, kattaroq kupyuradagi o'zgarishlardanmi yoki pul almashinuvidanmi, ularni tezda tekshirishingiz mumkin. Agar ishonchingiz komil bo'lmasa, siz boshqa notani olishni afzal deb ayting yoki o'zgartirish uchun ikkita kichikroq eslatmani olishni afzal deb ayting. (Masalan, tashqi ko'rinishingizni yoqtirmaydigan o'nta o'zgarish yuz bersa, uning o'rniga ikkita 5 sonini so'rang.) Agar soxta narsaga duch kelsangiz, uni kim bergan bo'lsa, siz ketganingizdan keyin tovon puli to'lamaysiz. siz, va siz buni politsiyaga tushuntirishingiz kerak bo'ladi.

Qora bozor almashinuvi

Ba'zi mamlakatlarda rasmiy kurs mutlaqo asossiz yoki real bo'lmagan kursda belgilanadi. Ushbu mamlakatlarda qora bozor valyuta qiymatini yanada aniqroq baholashga imkon beradi va amalda muqarrar. Masalan, 2007 yilda rasmiy kurs 250 ga teng edi Zimbabve AQSh dollariga nisbatan dollar, qora bozor kursi esa 600000: 1 ga yetdi.

Biroq, qora bozor almashinuvi xavflari legion hisoblanadi. Avvalo, qora bozorni almashtirish noqonuniy va agar xaridor ham, sotuvchi ham qo'lga olinsa, qattiq jazoga tortilishi mumkin: sotuvchi hatto sayyohlarni tuzoqqa tushirish uchun politsiya xodimi bo'lishi mumkin (yoki u bilan ishlagan). Ikkinchidan, xavf firibgarlik yuqori: siz eskirgan banknotalarni, soxta kupyuralarni va'da qilingan miqdordan kam yoki umuman hech narsa olishingiz mumkin. Birinchi navbatda almashinish kerakmi yoki yo'qligini yaxshilab o'ylab ko'ring, chunki savat savat valyutasi bo'lgan mamlakatlardagi korxonalar to'g'ridan-to'g'ri qattiq valyutani to'g'ridan-to'g'ri qabul qilishdan mamnun bo'lishadi (garchi bu ham ko'pincha noqonuniy bo'lsa) va siz hammasini olishingiz mumkin O'zgarish sifatida sizga kerak bo'lgan mahalliy valyuta.

Faqat bir joyda, qolganini boshqa joyda o'zgartiring, shunda firibgarlikka duch kelsangiz, bu zarar kamroq bo'ladi.

Muvaffaqiyatli qora bozor operatsiyalari uchun asosiy ko'rsatma pulni olishdir o'zingizni topshirishdan oldin. Yozuvlarni sanang, diqqat bilan tekshiring, ularni boringiz bilan taqqoslang va, faqat keyin, o'z pulingizni sotuvchiga topshiring. Bunday qilma sizga bergan pullarini qaytarib olishlariga imkon bering, chunki bu erda qonuniy to'plamni butunlay boshqacha narsaga almashtirish uchun turli xil hiyla-nayranglarni tortib olish mumkin.

Valyuta kurslari oqilona bo'lgan mamlakatlarda qora bozordan butunlay voz kechish yaxshidir: ko'p pul topish uchun barcha pullaringizni yo'qotish xavfi bor.

Kabi mamlakatlarda istisno qo'llanilishi mumkin Nepal va Hindiston bankda qonuniy almashinuvni amalga oshirish bir soat yoki undan ko'proq vaqtni sarflashni o'z ichiga olishi mumkin, ammo aksariyat mehmonxonalar siz uchun pulni bir zumda va xavfsiz tarzda o'zgartiradi. Narx unchalik yaxshi bo'lmasligi mumkin, ammo qulaylik.

Ayirboshlanadigan valyuta

Souq (an'anaviy bozor) Tunis

A konvertatsiya qilinadigan valyuta bu boshqa mamlakat valyutasiga osongina konvertatsiya qilinadigan valyuta; aksincha, an konvertatsiya qilinmaydigan valyuta kelib chiqishi mamlakatidan tashqarida nazariy jihatdan qadrsizdir. Bir nechta davlatlar, masalan Kuba, hanuzgacha sayyohlar uchun bitta konvertatsiya qilinadigan va mahalliy aholi uchun bitta konvertatsiya qilinadigan valyutani chiqaring. Ba'zi mamlakatlarda shunga o'xshash Tunis va Hindiston, dinorlar va rupiyalarni import qilish yoki eksport qilish taqiqlanadi, ammo bunday qoidalar kamdan-kam hollarda qo'llaniladi. Hali ham, TOP qonunlar oldindan va ularga ergashing.

O'tkazuvchanlik qonun bilan belgilanadi va har doim ham haqiqatda aks ettirilmaydi: ba'zi bir valyutalar Hind rupiya nazariy jihatdan o'zgarmas, ammo amalda savdo qilish ancha oson, boshqalari esa yoqadi Svazi lilangeni nazariy jihatdan to'liq konvertatsiya qilinadi, ammo dunyoning aksariyat qismida sotish yoki sotib olish deyarli mumkin emas.

Nomiga qaramay, o'zgarmas valyutalar ko'pincha bo'lishi mumkin sotib olingan kelib chiqadigan mamlakatdan tashqarida chegirma bilan, chunki ularni ushlab turadigan odamlar ulardan qutulishni xohlashadi. Kimnidir qidirmoq sotib olish ular qiyinroq. Ba'zi mamlakatlarning davlat do'konlari ham sayyohlar mahsulotlarini ishlab chiqarishni talab qiladi almashinuv sertifikatlari ularning pullari mahalliy bank kabi qonuniy manbadan rasmiy (odatda kambag'al) valyuta kursi bo'yicha olinganligini isbotlash uchun va agar siz mamlakat ichida keraksiz pulni qaytarib berishni istasangiz, bunday sertifikatlar ham ko'pincha talab qilinadi.

Agar siz o'z mamlakatingizda o'zgarmas valyutaga ega bo'lgan yoki amalda sotib ololmaydigan yoki sotib ololmaydigan valyutaga sayohat qilsangiz, mamlakatdan chiqishdan oldin barcha pullaringizni asosiy xalqaro valyutaga aylantirishingiz kerak. Valyuta bozorida ro'yxatga olingan quyidagi valyutalar juda faol savdoga qo'yiladi va ular keng tarqalgan bo'lib, dunyoning istalgan nuqtasida banklarda almashtirilishi mumkin:

Ro'yxat imtiyozlar tartibida va aslida ro'yxatdagi birinchi 3 ta, hatto eng uzoqdagi pul ayirboshlash shoxobchasida ham almashtiriladi. Garchi yuqorida sanab o'tilgan sakkizta valyuta kabi keng savdo qilinmasa ham Xitoy yuani Xitoyning yirik iqtisodiy kuch maqomining ko'tarilishi sababli valyuta ayirboshlovchilarga yanada kengroq kirib bormoqda.

Qattiq valyuta

Inflyatsiya, beqaror va / yoki konvertatsiya qilinmaydigan valyutaga ega bo'lgan ko'plab qashshoq mamlakatlarda chet el valyutasi mahalliy valyutaga qaraganda foydaliroq bo'lishi mumkin. Garchi uning qiymati o'zgarib tursa-da, valyutalar uchun "oltin standart" bo'lib qolmoqda AQSh dollari. To'lov sifatida mahalliy aholi to'g'ridan-to'g'ri qabul qilinishi mumkin, garchi bu yaxshi valyuta kursida bo'lmasa ham. Aslida Karib dengizi, Amerika va Janubi-sharqiy Osiyo uni ulardan foydalaning amalda - yoki hatto rasmiy - valyuta. The evro Hech bo'lmaganda Evropaga tashrif buyuruvchilar ko'p bo'lgan mintaqalarda tobora yaxshi qabul qilinmoqda va iqtisodiy qudratli qo'shnilari bo'lgan qashshoq davlatlar ham mintaqaviy qattiq valyutalarni qabul qilishi mumkin (masalan, Tailandcha baht Myanma, Laos va Kambodja, Avstraliyalik dollar yoki ba'zan Yangi Zelandiya dollarning katta qismida Okeaniya, Janubiy Afrika Afrikaning janubidagi rand va Hind rupiya Janubiy Osiyo). Ba'zi valyutalar evro, AQSh dollari yoki boshqa valyutaga nisbatan belgilangan kursga ega. Ba'zilar 1: 1 (Panamadan balboa AQSh dollariga, Folklend funtdan Britaniya funtiga) "bog'lab qo'yilgan" bo'lsa, bu ko'pincha ikkala valyutaning teng qabul qilinishini anglatadi, boshqalari, masalan, bosniyalik konvertatsiya markasi boshqasiga bog'lab qo'yilgan. valyuta kurslari (bu holda 1.95583 belgisi uchun 1 evro) va ehtimol ko'proq emas, balki almashtirilishi kerak. Aytish kerakki, ushbu valyutalarni hech narsaga almashtirish qiyin, lekin ular bog'langan valyutadan tashqari, ba'zida ayirboshlash faqat ushbu valyuta qonuniy to'lov vositasi bo'lgan mamlakatda mumkin. Agar ushbu pulni chiqaradigan hukumat mahalliy valyutani sotib olish uchun qattiq evro, dollar yoki funtga ega bo'lsa, bu "qoziq" ning buzilish tendentsiyasi mavjud. Qisqacha aytganda: balboalar, Folklend funtlari yoki bosniyalik markalar, ular rasmiy bo'lgan joydan chiqib ketganingizdan keyin esdalikdan boshqa narsa emas.

Agar sizning uyingiz yoki boradigan mamlakatingiz dunyo miqyosida taniqli valyutani ishlatmasa, boradigan joyingizda eng ko'p almashinadigan qattiq valyutani olishingiz kerak. Masalan, Singapurdan Meksikaga sayohat qilgan kishi AQSh dollarini olishi kerak. Garchi bu ikki baravar konvertatsiyani nazarda tutsa-da, bu deyarli har doim bitta konversiyadan arzonroq bo'ladi (ya'ni Meksikada Singapur dollariga yoki Singapurda Meksika pesosiga nisbatan kurs dahshatli bo'lishi mumkin).

Shuningdek, mahalliy valyuta o'rniga qattiq taklif qilish orqali mahalliy aholi bilan tortishish paytida siz qattiq valyutadan foydalanishingiz mumkin. O'zingizning foydangizga konversiya kursidan foydalaning va qattiq valyutada taklif qiling. Jarayonda bir necha AQSh dollarini ko'rsatish yordam berishi mumkin, ammo to'lashga tayyor bo'lgan narsani ko'rsatib qo'yishingizga amin bo'ling. Bundan tashqari, agar siz haggging qilishni rejalashtirmoqchi bo'lsangiz, unchalik katta bo'lmagan yozuvlar mavjudligiga ishonch hosil qiling, shunda siz juda katta o'zgarishlarga ehtiyoj sezmaysiz, ayniqsa, agar siz shunchaki narxni ancha arzonlashtirgan bo'lsangiz. Siz sotuvchiga 5 qiymatga ega bo'lgan mahsulot uchun 50 berishni xohlamaysiz; sotuvchini sizga ko'proq narsalarni sotishga yoki undan ham yomoni, yaqinlaringizdagi cho'ntak cho'ntaklariga sizning mol-mulkingiz to'g'risida xabar berishga harakat qilishni taklif qilasiz.

O'zingizning barcha narsalaringiz va qimmatbaho narsalaringizdan ajratilgan holda, qattiq valyutani shoshilinch ravishda olib yurish oqilona. Ko'pgina xorijiy sayyohlar bilan shug'ullanadigan ba'zi bir korxonalar ham chet el pullarini qabul qilishlari mumkin, ammo noqulayliklarga yo'l qo'ymaslik uchun deyarli har doim past kursda.

Tangalar

Ko'pgina hollarda, siz mamlakatdan chiqib ketganingizdan keyin tangalarni almashtirishingiz mumkin emas. Ketishdan oldin ularni almashtiring, ularni xayriya qutisiga tashlang yoki yodgorlik qiling. Belgilangan mamlakatingiz uchun tanga va valyuta bilan tanishish va turli mamlakatlardagi tangalarni sumkangizda yoki cho'ntagingizda aralashtirib yubormaslik, ketishingizdan oldin juda ko'p tanga to'plashdan xalos qilishi mumkin. Avvalo juda ko'p tanga to'planib qolmaslik uchun, naqd operatsiyalar paytida ularni to'lash uchun (eslatmalar o'rniga) iloji boricha ko'proq foydalaning. Ba'zi mamlakatlarda qiymati nisbatan katta bo'lgan tangalar mavjud (masalan, 2 evro, 5) Shveytsariya 2. frank Kanadalik dollar, 500 Yapon yen yoki 5 Bosniya birinchi navbatda sarflash maqsadga muvofiq bo'lgan konvertatsiya qilinadigan belgilar).

AQSh, Buyuk Britaniya, Irlandiya va Kanadada siz topishingiz mumkin Coinstar ko'plab supermarketlarda mashina. Bu har qanday kichik o'zgarishni talab qiladi va ba'zi do'konlar uchun eCertificate-ga yoki o'zingiz yashaydigan do'konda sarflash uchun vaucherga aylanadi. Do'konda sarflanadigan vaucher uchun 10% to'lov olinishi sababli, bu shunchaki shunchaki sarflashdan ko'ra qulayroq tangalar o'zlarining nominal qiymatiga ko'ra o'zlarining do'konlarida, ammo bu hali ko'p tangalarni o'z mamlakatingizga olib borishdan ko'ra yaxshiroq bo'lishi mumkin.

Debet, kredit, bankomat va oldindan to'lanadigan kartalar

Debet kartalar, kredit kartalar va oldindan to'langan kartalardan naqd pul olish uchun foydalanish mumkin avtomatik hisob-kitob mashinalari (Bankomatlar), restoran va mehmonxonalarga pul to'lash va ular qabul qilingan joyda xaridlarni amalga oshirish.

Debet kartalar ba'zida "chek kartalari" yoki "bank kartalari" deb ham nomlanadi, chunki siz ulardan foydalanganda bank hisob raqamingizdan pul olib qo'yishadi. Bankomat kartalari - bu faqat bankomatdan naqd pul olish imkoniyatiga ega bo'lgan debet kartalar. Ular debet karta bilan bir xil tarzda hisob bilan bog'langan, ammo turli xil xatarlarga ega. (Quyidagi "Debet va bankomat kartalari: Xatarlar / kelishuvlar" ga qarang.)

Kredit kartalar mablag'lari bo'lgan hisobvaraq bilan bog'lanmaydi, aksincha keyinchalik kredit liniyasi bo'yicha to'lovni amalga oshiradi.

Oldindan to'lanadigan kartalar, ba'zan "sayohat pullari" deb nomlanadi, bu siz to'ldiradigan va keyin tushiradigan qiymatga ega kartalar. Ular ko'pincha kartada turli xil valyutalarni saqlashlari mumkin.

Ushbu barcha kartalar odatda Visa yoki Mastercard kabi karta brendlaridan biri bilan markalanadi. Ushbu kompaniyalar kartani qabul qilishni osonlashtiradi. Faqat sizning bankingiz brendiga ega bo'lgan kartalar odatda shunchaki bankomat kartalaridir. Ushbu kartalardan sizning bankingizning bankomatlarida, shuningdek, bankingiz a'zo bo'lgan bankomatlar va savdo nuqtalarida foydalanish mumkin.

Ko'pincha kredit va debet funktsiyalari bitta kartada birlashtiriladi, shuning uchun har safar karta o'qilganda siz bank hisob raqamidan yoki kreditingizdan foydalanishni tanlaysiz.

Bankomatlardan foydalanish

Bankomat oldida navbat, Ozarbayjon. PIN-kodni juda yaqin odamlar bilan kiritishingiz kerak bo'lgan bankomatlardan saqlaning.

Bankomatlardan (yoki kassalardan) foydalanish har qanday valyutani olishning eng qulay usuli bo'lishi mumkin mamlakat ichida yoki xalqaro miqyosda, uydan tashqarida bo'lganingizda. Bir nechta mamlakatlardan tashqari, Mastercard, Visa va Cirrus- va Plus-ga ulangan kartalar butun dunyo bo'ylab deyarli barcha bankomatlardan qabul qilinadi. Bankomat yoki debet kartadan foydalangan holda pul to'g'ridan-to'g'ri sizning bank hisob raqamingizdan keladi va bu shunday odatda mahalliy naqd pul olishning eng arzon usuli.

Bunda to'lovlar sizning bankingizga, bankomat operatoriga va ularning munosabatlariga qarab farqlanadi. Bankomatda joylashtirilgan yoki ekranda ko'rsatilgan ma'lumotlar bankomat operatori sizdan qancha pul olishini ko'rsatadi; o'zingizning bank / karta emitentingiz o'z to'lovlari va qo'shimcha to'lovlarni qo'shishi mumkin, shu sababli to'lovlarning umumiy miqdori bankomatda ko'rsatilganidan yuqori bo'lishi mumkin. To'lovlar ishlatilgan valyuta kursi bo'yicha belgilanishi yoki bo'lmasligi yoki qat'iy belgilangan to'lov bo'lishi mumkin: qo'shimcha ma'lumot olish uchun bank / karta emitentining to'lovlarini tekshiring. Evropa Ittifoqida to'lovlar tartibga solinadi, shuning uchun evro hisobidan evro olish ko'pincha bepul - ammo barcha kartalar bilan emas, balki barcha bankomatlar bilan emas.

Dunyo bo'ylab bankomatlar asosan naqd pul olish uchun belgilangan tartibda harakat qilishadi. Pulingizni qaytarib olish miqdorini ko'rsatmasdan oldin kartangizni joylashtiring va o'zingizni shaxsiy identifikatsiya raqami (PIN) bilan tasdiqlang. Mahalliy tilda bankomatdan intuitiv ravishda foydalanish mumkin bo'lishi mumkin. Ammo yangi bankomatlar yoki yirik banklardan yoki sayyohlik zonalaridagi bankomatlar sizga dastlabki ekranda yoki kartangizni kiritgandan so'ng muqobil, tanish tilni tanlashga imkon berishi mumkin. Pulni qaytarib olish ekraniga chiqishdan oldin joriy valyuta kursi to'g'risida xabardor ekanligingizga ishonch hosil qiling, chunki pul mablag'lari odatda mahalliy valyutada bo'ladi.

Uyda xavfsizlik choralarini qo'llang: odamlar yoki yashirin kameralar sizning PIN-kodingizni kirayotganda uni ko'rishi mumkinligidan xabardor bo'ling va xavfsiz joyda bankomatdan foydalaning. Aeroportlarda, bank lobbilarida va savdo markazlarida joylashgan bankomatlar xavfsizlikni yaxshilaydi (yolg'onchi kamera yoki kartani o'qish moslamasini o'rnatish u erda qiyinroq, va xavfsizlik yaqin atrofdagi o'g'rilar tomonidan talon-taroj qilinsa). Jinoyatchilar tomonidan o'rnatilgan zararli dastur yordamida bankomatlar buzilishi mumkin. Ushbu mashinalardan foydalanish boshqalarga sizning hisobingizni o'chirish imkoniyatini berishi mumkin. Ba'zi firibgarliklar kafolatlariga ega bo'lgan kartadan foydalanish, masalan, debet karta o'rniga kredit karta ba'zi himoya qilishlari mumkin. Bundan tashqari, firibgarlikning oldini olish tizimlari yaxshiroq bo'lishi mumkin bo'lgan, yaxshi tashkil etilgan banklar tomonidan ishlaydigan mashinalardan foydalaning.

Sayohat uchun sotiladigan oldindan to'langan kartalardan odatda bankomatlardan foydalanish mumkin. Ba'zi oldindan to'lanadigan kartalar faqat xaridlar bilan cheklanishi mumkin. Shunga qaramay, to'lovlarni tekshiring.

Rivojlangan mamlakatlarda bankomatlarni odatda katta shaharlarda topish oson, ammo qishloq joylarida emas. Rivojlanayotgan mamlakatlarda ham, odatda, bankomatlar mavjudligiga ishonish mumkin, ammo siz ularni topish uchun ko'proq kuch sarflashingiz mumkin va siz topganingizda ular ishonchsizroq bo'lishi mumkin. Iqtisodiy sanktsiyalarga ega bo'lgan mamlakatlar xalqaro kartalar bilan ishlamay qolishi mumkin. Ba'zi rivojlanayotgan mamlakatlarning bankomatlari faqat mahalliy valyutani tarqatishi mumkin, bu erda sayyohlik muassasalari faqat AQSh dollarlarini qabul qiladi yoki shunga o'xshash narsalar. Bu bankomatni u erda foydasiz qiladi. Mamlakat maqolalari bilan maslahatlashing. Ba'zi bankomatlar ko'pincha ularning joylashuvi va mijozlar bazasidan kelib chiqqan holda bir nechta valyutani taklif qiladi.

Ehtiyot bo'ling kartani klonlash firibgarligi yuqori bo'lgan mamlakatlarda. O'g'rilar sizning kartangiz ma'lumotlarini olish uchun yoki sizning kartangizdan restoranda yoki do'konda foydalanganda ma'lumotni ushlab qolish uchun qurilmani bankomat kartochkasiga joylashtirishi mumkin va keyin kartadan o'zlari foydalanishi mumkin bo'lgan dublikatini yaratishi mumkin. Kimdir sizning kartangizni klonlash xavfini kamaytirish uchun yaxshi yoritilgan va xodimlarga ko'rinadigan joylarda bankomatlarni qidirib toping. Kartani o'quvchini ishlatishdan oldin uni bankomatda tekshirib ko'ring - agar u g'alati shakl bo'lsa, bo'shashgan tarkibiy qismi bo'lsa yoki yaqin atrofdagi boshqa bankomatlar bilan mos kelmasa, uni ishlatmang.

Balansingizni bank tomonidan tekshirish uchun sizdan to'lov olinishi mumkin. Biroq, ba'zida sizning balansingiz naqd pulni olish kvitansiyasida bepul chop etiladi; oxirgi qadam siz xohlaysizmi, deb so'rashi mumkin. Turli xil valyuta kurslari va to'lovlari bilan ekranda ko'rsatilgan miqdor aniq bo'lmasligi mumkin. Balansingizni to'lovsiz tekshirishning eng yaxshi usuli - Internet-banking yoki bankingizning aqlli telefon dasturidan foydalanish. Hisobingizdagi faoliyatni Internet orqali ko'rishda, bankomatdan pul olish va sotib olish sizning uyingiz valyutasiga o'tkaziladi. An'anaga ko'ra siz xorijiy bankomatda qoldiq olmagandirsiz yoki u faqat chet el valyutasida ko'rsatilishi mumkin. Biroq, ko'plab zamonaviy bankomatlar sizning mahalliy va uy valyutangizdagi joriy balansingizni aks ettiradi va hatto pulni qaytarib olish paytida ishlatilgan kursni ham beradi.

  • In Xitoy, UnionPay - bu afzal qilingan karta turi, ammo Visa yoki Mastercard kabi ko'proq global turlarni qabul qiladigan do'kon yoki bankomatni topish juda qiyin emas.

Qanday bo'lmasin, sayohat qilayotgan bankomatlar to'g'risida bilish uchun kerakli tadqiqotlarni o'tkazing. Ko'pgina mamlakatlar yo'riqnomalari bepul bankomatlar odatiy holmi yoki yo'qligini aytib berishi kerak. Agar bankomatlar xavfli ko'rinadigan bo'lsa, zaxira usulini qo'llang.

Dunyo miqyosida ishtirok etadigan (masalan, HSBC va Citibank) bankda bank hisob raqamlariga ega bo'lish ba'zi afzalliklarni beradi. Ko'pincha ular o'sha bankning xorijdagi filiallarida bankomatlardan bepul foydalanadilar, shuningdek, ulanish va xavfsizlik xususiyatlari ularni yanada ishonchli qiladi. Garchi ular odatda sizga kassalarda yordam bera olmasalar ham, ular sizni tez-tez telefon orqali o'zingizning bankingizning call-markaziga bog'lashadi, bu sizning muammolaringiz bilan shug'ullanishi mumkin.

Bankomatlar ko'pincha imkon qadar kamroq veksellarni (banknotalarni) chiqaradi. Masalan, 150 evroni olib qo'yishda, ehtimol uchta 50 evrolik veksellar paydo bo'lishi mumkin. Ko'p odamlar yirik veksellardan o'zgartirish kiritishni rad etishadi, shuning uchun faqat yirik veksellar bilan ishlab chiqarish mumkin bo'lmagan miqdorni qaytarib olish tavsiya etiladi, bu holda, masalan. 160 evro, kichik xaridlar uchun bir nechta 20 evrolik veksellarni olish uchun. Bankomatlar tomonidan qanday veksellar ishlab chiqariladi va qanday qilib yirik veksellar qabul qilinadi, har joyda farq qiladi. AQShda ko'plab bankomatlar atigi 20 dollarlik kupyuralar bilan jihozlangan.

Savdo joyida kartalardan foydalanish

The acceptance of debit and credit cards by business varies by country and area, so check the local guides. Acceptance is generally more common in more developed countries, but on the other hand, don't be too surprised if a market stall holder in a the remotest of small towns produces a credit card terminal from under the counter.

By far, the most accepted cards worldwide are Visa and MasterCard. If you are acquiring a card for travel, you should get one of these two brands of cards; most issuers should offer either of these cards by default. American Express and Diners' Club cards have global networks but acceptance varies widely depending by country and merchant. Discover, JCB, China UnionPay, NYCE, Star, MAC, and Shazam are regional. Acceptance outside the region is usually limited to areas catering to visitors.

Discover, JCB, China UnionPay, and India's RuPay have an alliance with each other, which allows any of these cards to be accepted on any of the other networks in the home markets of each issuer. This is purely a network alliance, that largely serves to make Discover more usable in China, Japan, and India. This doesn't mean that if the Ugg boot store in Sydney accepts JCB, that it will also accept Discover. Sales personnel may not be familiar with this, but it will work if you can convince them to try. JCB has a separate network alliance with American Express that operates worldwide.

Even if your card is accepted worldwide, you may come across some points-of-sale (e.g. ticket vending machines) that only accept domestically-issued cards. This is manifested through the requirement to enter a postal or zip code of your billing address. If you don't live in the country you are performing the transaction in, you won't obviously be able to provide the postal code. A similar situation may await you when you try to buy local transport tickets using a transport operator's mobile app (this is more common in the US and when this is the case, such apps are not going to be available on your country's mobile app store anyway); in this case, you will have to use the vending machines or a manned ticket desk and possibly pay only in cash.

Debit/ATM versus credit cards

ATMs in Poznan

Debit/ATM cards are linked directly to a bank, checking or cash account and immediately deduct the amount of the purchase or ATM withdrawal from the account. Credit cards are not linked to an account with funds in it, but instead charge against a credit line, to be repaid later. Debit cards can be used for general purchases and for obtaining currency. ATM cards can only be used in ATMs for withdrawing currency. This means somewhat greater security for the latter, i.e.,

  • If your ATM card is lost or number stolen, thieves cannot use it in any way without its PIN.
  • If card and PIN are compromised, ATMs will dispense currency only in the general locations, dates/times and amount limits you arranged with your bank/credit union before travel.
  • If a debit card raqam is lost or stolen, thieves can use it (with a "cloned" card and phony identification) anywhere to buy goods or services less than a certain amount (for each use) set by your bank...often $100 (equivalent) or less.
  • If card and PIN are compromised, thieves can promptly empty the entire account, and may gain ability to use or steal other assets by examining account details.

When using any type of card to withdraw cash, your bank may charge a fee of 1–3% on top of foreign exchange, an ATM fee and perhaps others. In addition, most credit card users will be charged a cash advance fee and interest on any cash advance ("loan") from the day you withdraw it from an ATM until the credit card balance is fully paid. Credit cards sometimes also have a higher than normal interest rate applicable to cash advances. In some cases you can use a credit card like a debit card or prepaid card by making a payment into your credit card account in-advance, keeping the balance positive. In this case you can avoid the daily interest charge, but still may face other fees. Your bank may also limit its liability to the credit limit on the card if it is lost or stolen.

  • Such costs will be unlike and separate from those for retail purchases, and the interest rate for cash advances will often be higher than for purchases. In some cases, your bank may limit credit card cash advances or loans to an amount substantially less than your overall credit line.
  • While there is usually a grace period when using your credit card for purchases (you will not be charged interest if you pay off your balance in full within that billing period) there is usually no grace period for a cash advance using a credit card.
  • Your bank's liability in case of credit card or PIN loss may be limited by law, at worst equal to your credit limit and credit balance.

Despite the fees you or the merchant pays, when making point-of-sale purchases, your costs or fees will nearly always be better if you use a credit card than a debit card. If your card is stolen, your liability will usually be limited by law (for U.S. banks, $50 for all misuse), and you can dispute fraudulent charges made by unauthorized users on a credit card. But, a stolen debit card and PIN may be used to empty its account, and require many hassles to re-establish security and (perhaps) regain funds. See "Risks/trade-offs" below for ways to avoid this.

As above, credit card companies will protect you if you are charged more than you agreed to pay, if you pay for something and never receive it (strict deadlines may apply), or if your card is cloned (duplicated) without your knowledge and then fraudulently used without being physically stolen.

Credit cards may also include other benefits such as cancellation insurance for flights (usually only in the case of serious sickness), theft or loss insurance for goods (usually only if stolen within 90 days of purchase and a proper police report is filed), collision insurance for rental cars, and emergency health insurance in certain situations while you are traveling. Your card's issuer should fully describe those benefits and their limits.

Credit cards may also provide rewards programs that give you free flights or cash back after a certain (large) amount of spending. The cards may be linked to a frequent flier or hotel loyalty program. If you have an American Express card, in case of a lost or stolen card, you can obtain cash advances and replacement cards easily, by visiting an American Express office.

There are, however, a few merchants (mostly hotels and rental car firms) who abuse credit card clientele.

  • A hire car firm may attempt to rent you a vehicle with minor windscreen damage or small dents, then accuse you of causing that or more damage when or sometime after you return the vehicle. It may automatically charge claimed repairs to your card at questionable or inflated prices. This justifies action before you accept the vehicle for use, i.e., inspect the car thoroughly, inside and out, for damage or missing items, photograph/document any untoward condition seen, and have the condition noted with an agent's initials/signature on your contract at check-out. Consider taking similar photos as you return the vehicle as proof of its condition.
  • With hotels, examine the details of your bill before you pay and leave. It can be very difficult to get your bank to process a charge-back if you are careless about an overcharge or hidden charges at the time of booking, e.g. resort fees.

Many Visa or Mastercard debit cards (mostly issued by banks in Asia) are not embossed (no raised letters/numbers), hence they are indicated as "For Electronic Use Only." This means that they can't be used for transactions that require physically imprinting on a merchant's charge slip and/or manual authorization. Acceptance of these "Electronic Use Only" debit cards for online purchases may not be guaranteed even with sufficient funds, and may need clarification with the issuing bank. Consult the issuing bank about how to effectively use the card if going somewhere you've not yet used it.

Before you leave home

Payment by card in Taiwan
  • Advise your bank about when and where you are travelling. This can help avoid triggering its fraud monitors that may cause transactions to be rejected, or even freeze your card account. They may also need to get international support specifically activated for your debit or credit card.
  • Make note of what to do if your cards are lost or stolen. Note the numbers of your cards, the numbers to call. If your bank has an app that can freeze your card, download it.
  • If your bank detects fraud, they may try to contact you. Some banks will send you a SMS notification if they decline your card. If you don't have a phone where you can receive a phone call or a SMS, it may result in your transaction being declined or your card frozen.
  • Take a backup card or cards. Keep them separate from your primary cards. Make sure they are also activated for use where you are travelling to. Consider leaving a spare card with someone who could courier it to you in an emergency. Banks can charge large sums for this service.
  • Get a separate PIN for each of your cards, and remember them! You can and should choose PINs that you can remember easily. Choose numbers, as not all ATMs have or accept letters. Don't write any down, or make any obvious (e.g. 1234 and 1111).
  • PIN code lengths vary from country to country, but for maximum compatibility you should try to make each you'll use 4 digits before traveling. If you have a six digit PIN and can only enter four, try the first four.
  • Ensure you accurately enter the PIN when using an ATM. Some ATMs keep your card during your access, and might confiscate it if you make three incorrect PIN entries.

Most banks do not hold you responsible for any transactions made on your card that occur after you report it lost or stolen. So make sure you report any loss or suspected compromise immediately. Use of credit and debit cards is not recommended in a few countries due to high potential for fraudulent misuse, e.g. Nigeria. Your bank should be able to advise you.

"Chip cards"

A payment terminal which supports both chip and magnetic cards

"Chip cards" are credit and debit cards with an embedded chip in addition to or instead of the magnetic stripe. These cards are ubiquitous in Europe, Africa, Australia, Canada and New Zealand, and are being introduced rapidly in the U.S.

A 'chip card' will generally need to be inserted rather than swiped at point of sale. Generally you will enter a PIN (cards with this configuration are called 'chip and PIN' cards), but sometimes the terminal will still generate a sales docket to be signed. In ATMs when you insert your card, there is no change. Some swipe ATMs will ask you to reinsert your card after you have swiped it.

In the U.S., all stores that display the Visa, MasterCard, or American Express logos must also accept the swipe-and-sign version of the credit cards; however, some may initially refuse to do so (be persistent, asking for the manager if necessary). Elsewhere however, with self-service machines such gas pumps and ticket vending machines, you may be out of luck. This is also the case in countries where 'chip and PIN' is the norm where chip cards that do not have a PIN may be declined.

As with all cards, check your statement regularly, and report any instances of unauthorized transactions.

Contactless cards and mobile phones/smart watches

Symbol for contactless payments

Chips on some cards (and passports) include radio frequency identification (RFID), made to be energized by a nearby (authorized) scanner. Often times, a signature and/or PIN are not needed for small transactions done through contactless. Cards that come with this technology and bear the contactless symbol (see the right hand side) and merchants that accept contactless payments will have that decal posted somewhere in their premises (either at the window/door or at the tills). Most of these use an entirely different technology from the debit or credit cards and have inadequate security, e.g. allowing almost any nearby wireless scanner to read data the card/chip holds. That can include personal and financial information, or enough data to gain access to it. This has spawned a small industry in RFID-protected wallets for cards and passports. Learn from each issuer how secure your RFID cards are, and carry and protect them accordingly.

Some mobile phones (notably iPhones released since 2014 and selected Android models), and by extension smartwatches linked to them, have a provision where users can input their debit and credit card information and 'tap' such phones on readers that accept contactless cards (Visa, Mastercard, and AMEX) to pay for a transaction. They work similar to contactless cards but have an added layer of security (e.g. fingerprint verification) before the transaction goes through. Once set up, the device doesn't need an internet connection for use in traditional brick-and-mortar merchants but information about the transaction will only be displayed once an internet connection has been established. Although in theory such technology is supposed to work anywhere with a contactless symbol, it may be difficult to use devices linked to European bank accounts in North America and vice versa due to technical differences between each region. Availability of this technology varies by country and bank. But if this is available to you and contactless is much more ubiquitous than cash in the country you are visiting, you may want to leave your cash and physical cards in your hotel safe.

One disadvantage of contactless technology using the contactless feature of a card or smart device may not be capable of withdrawing cash at cash machines.

Holds on funds

Most large hotels and all car rental companies put a funds "hold" on your credit card for a larger amount than the amount of your pending room or vehicle charge. A $100 car rental can render a card with a $3000 credit limit useless if the car rental agency puts a hold on an excess amount for the full $3000. This usually takes the form of a pre-authorisation, and the "hold" is removed automatically when the final transaction is put through. The "hold" can remain for much longer when the final transaction is never processed, and you have to wait for the pre-authorisation to expire before you can access those funds. This can happen if the hotel doesn't use the pre-authorisation code when you check-out, or if you prepay the hotel bill, and don't incur any charges while staying, there is no final transaction to clear the pre-auth. Usually a pre-auth will expire within 10 days.

"Cardlock" (pay at the pump) fuel pumps will attempt authorization for at least $75–100 on debit cards, even when a lesser amount of fuel is requested. Usually the pump will display the amount. The hold will be released when the transaction is finalized, but you may have to see an attendant if you want to buy $20 of petrol with a debit card with only $20 of funds.

Holds on funds can be more of an issue with debit cards than with credit cards - because your own funds are being held. It's usually best to pay for car rentals and hotels with credit cards where the only hold is on your credit limit.

ATM cards

Anti-skimming device installed on an ATM in Germany

If you appreciate the convenience and increased security of such a card, you can ask your bank or credit union for an "ATM only" card. It should (per your request) be networked with ATMs worldwide and only usable in ATMs (or permitted point-of-sale systems) and only with your PIN.

As long as your PIN is secure, this removes the possibility that your card can be stolen or copied and used without your knowledge. Your "ATM only" card also can't be used for phone or Internet purchases, further minimizing the risk someone can copy your card numbers and make unauthorized purchases.

Prepaid cards

Cards accepted!

It may be possible to get a Visa, Mastercard or American Express-branded prepaid card. This prepaid card works similarly to a debit card except that it is not a bank account. Since it is not linked to your bank account, your maximum exposure is limited to the amount of money you have transferred to that card's balance (minimum top up amounts apply).

Prepaid cards may or may not be capable of being topped-up, depending on the issuer's policies. If so, once the balance is completely depleted, the card can't be used anymore and should be physically destroyed. However for cards that may be topped-up, they can be done so in the issuing banks or online. You do not need to have a bank account with the bank that issued the prepaid card but having one has advantages such as more convenient options to top-up your card (e.g. online, via ATM). There is usually no minimum denominated amount for top-up. Still, you should only top-up the amount you need for a certain number of anticipated uses.

Availability of those cards within each country varies. Some countries like the U.S. have prepaid Visa, Mastercard and American Express available at the counter of pharmacies or grocery stores; they just need pre-payment and activation at the purchase point. Others will allow you to get them from well-known foreign exchange stands (e.g. Travelex). But a few will only make these cards available directly from participating banks.

Generally, these prepaid cards can be used worldwide unless indicated otherwise (most notably, generic Visa, Mastercard and American Express gift cards issued in the U.S.) However online use of prepaid cards depends on the issuer.

Fees can be levied on the card purchase, on top-ups, on withdrawals, on non-use, and on closure. The exchange rates used when converting to a different currency on the card, are emas the standard Visa or Mastercard rates and are determined by the issuer. These can easily be up to 10% from the "mid-rate".

Prepaid cards may or may not allow withdrawals from an ATM (depending on the issuer), and those that do may assess an additional fee on top of the usual fees imposed for withdrawals. That, because using a prepaid card is supposed to encourage electronic point-of-sale transactions.

Prepaid cards often have no PIN and therefore cannot be used for 'cardlock' pay-at-the-pump fuel purchases. They can still be processed manually by the fuel station attendant.

It will usually be cheaper to obtain and use a low foreign transaction fee debit card than a prepaid card for foreign currency transactions. The only disadvantage...you are subject to volatility in exchange rates, as your debit card only stores your local currency.

Specialist travel currency cards and fee-free alternatives

Consider purchasing currency cards such as Cash Passport. These are normally branded in a MasterCard and in some cases a Visa logo, and hence can be used in anywhere where merchants accept those cards. The normal currency cards being offered are denominated in U.S. dollars, euros, pound sterling, Canadian dollars and Australian dollars. You will top up in your home currency and it will be converted into the currency of the card.

Some currency cards are capable of containing multiple currencies at once. In this case, you may be able to change money between currencies offered by that card.

The rates usually fall between 1.0-2.5% of the base rate used by MasterCard or Visa, which is still better than using your everyday debit or credit card directly. In order to take advantage of the best rates, top up online and use the currency card only for transactions in the currencies of the card. When using a currency card having multiple currencies, make sure that the currencies have sufficient balance to cover transactions you wish to make. If you are offered a conversion to your home currency, reject it as well.

In some countries, it is possible to get debit cards that convert your transaction using the SPOT or interbank rate. This means you are going to be charged at or around the same exchange rate that you see on finance websites or business channels. These cards are usually associated with a mobile phone app, which you need to download in the first instance to apply for such cards. These apps can give you your transaction history, allow you to top up funds, convert between currencies, etc. Some cards on the other hand will not require you to top up funds; they will directly charge your "main" debit card or bank account but will use the interbank rate instead of your bank's rate, which may have foreign exchange fees or other surcharges associated with it. Other fee-free services such as Revolut, which is available in dozens of countries, act as virtual bank accounts where the account/card-holder can have accounts in as many currencies as the provider offers. This way, provided that the user tops up and converts local currency into each of his or her foreign exchange accounts beforehand sufficiently, the user will be protected from further fluctuations in the foreign exchange market. Whether these fee-free provisions extend to ATM withdrawals depends on the issuer.

EC Cards

If you have a European euro bank account you can obtain a V Pay card. This can be used as a debit card in shops and restaurants in other euro countries with no additional charge. Can also be used at European (but not worldwide) ATMs.

Card costs

Card usage fees

A self-checkout machine in a Xyuston supermarket

Transaction fees can be charged by the bank or institution that issues your card, the company that clears or processes the transaction, and the merchant or the ATM-owner where you use your card. These fees can be fixed, a percentage of the amount, or built into an exchange rate - or a combination of these.

Per the above discussion on card types, most card issuers will charge a foreign transaction fee of up to 4% of the transaction amount every time you make a purchase or cash withdrawal in a foreign country. This fee may be charged even if the transaction is in your home currency but with a foreign bank. Be careful purchasing other countries on the web, where the currency amount may be displayed in your home currency, but you still may pay foreign transaction fees. Try to find a card issuer that doesn't charge this fee or has a low fee.

  • In the United States: Capital One, Schwab, Discover Bank, and Varo debit cards. Most travel credit cards.
  • In the United Kingdom: Halifax.
  • In Australia: 28 Degrees or Citbank Plus.
  • In Canada: Home Trust, Scotiabank or Rogers Bank (which charges 2.5% exchange, but provides 4% cash back on foreign transactions).

This can save you a considerable amount on any extended travel. Card issuers may also charge a foreign ATM usage fees as a fixed fee. Check your banks fees well in advance of travel, and consider applying for a new card with lower fees for travel. Allow plenty of time for the application and to receive the card.

The processing company - Visa, Mastercard, American Express, etc. - build a small margin into the exchange rate they convert at. You can find the exchange rate that Visa or Mastercard exchange rates on their website. American Express charges an exchange rate that is 0.0% to 0.5% worse than the rate charged by Visa and MasterCard. Generally the rate is 0.5% to 1% from the midrate. The exchange rate applied to a transaction is usually the rate on the transaction processing date, that can vary from the purchase date. Therefore, unless currency rates are fixed, it is impossible to know exactly what exact exchange rate will be charged until the transaction is posted to your account. Any exchange rate fluctuation may be in your favor, or against you.

When paying by a credit/debit card, different exchange rates might be used depending on your bank policies. Check which exchange rate does your bank use, the credit card company rate is usually much more favourable than the bank rate. Usual practice is that if your bank has an exchange rate available for a currency, they use that rate, and if they do not trade this currency, they use credit card company rate. Thus, exotic currencies might be actually cheaper then expected. However, if your home currency is not a first tier currency, the bank policy might be to use their rate to exchange the amount to hard currency, eg. Euros or Dollars, and then use the credit card rate to exchange it to the desired currency, meaning you will pay the exchange rate twice during one transaction. If going for an expensive or long holiday, the exchange rates are likely to be the most most expensive part of card usage costs.

As mentioned previously, some FinTech providers (e.g. Revolut) offer debit cards and virtual bank accounts with no (when the market is open) or lower foreign exchange transaction fees (during the weekend when the market is closed) than brick-and-mortar banks. This way you will be able to convert cash or perform card transactions at the real-time interbank rate.

ATM owners can charge a fixed fee' to use your card at an ATM, on top of what your bank charges you. This will usually be written on the ATM or displayed on the screen. Check for partnerships with your card issuer to reduce this fee; some ATMs may have partnership arrangements with your bank to have lower fees or fee free withdrawals. Consider larger withdrawals to reduce the impact of fixed fees. Before going to some country, get to know the local fees - so you will know that in Thailand it is normal to pay quite a large fee while in Europe this is unusual. If there are multiple ATMs next to each other, you can shop around for the smallest fee. ATMs of a local bank usually charge smaller fee than ATM only companies, such as Euronet in Europe.

Merchants may charge a surcharge or require a minimum purchase. Local laws can affect how common merchant surcharges are. Merchant surcharges can be a fixed fee or a percentage of the transaction, and they should be advised at point of sale. These can vary between card types, and between debit and credit cards.

Dynamic currency conversion

When you are paying by card for items or services priced in a foreign currency, some merchants will offer to convert your transaction into your home currency. This is called Dynamic Currency Conversion (DCC). Unless you prioritise certainty (given that the actual amount in your home currency to be debited is disclosed), if this is offered, you should decline u. Merchants aren't disclosing one key point: their exchange rates are often worse than whatever your card issuer would have provided had you kept the transaction in terms of the local currency – sometimes up to 10% worse.

  • Always check your receipt and card terminal, and if you see anything involving your home currency in a country that doesn't use that currency, ask the merchant to redo the transaction in the local currency. Where DCC is offered, Visa requires the merchant to disclose the fee and must provide the consumer with a choice of getting the bill in the customer's home currency or the local currency.
  • Some credit card terminals will show you an amount in your home currency and ask you to accept or decline the amount. Declining the home currency option will process the transaction in the local currency, which means your bank or card issuer will do the conversion for you.
  • Some cash machines are also known to use DCC, much like credit cards at the point of sale, and should be declined. The machine will ask you if you would like the amount in your home currency or local currency; even though you will always receive the local currency. If you decline (cancel), some ATMs are programmed to automatically cancel the transaction, which is to say that the bank is forcing you to accept DCC. Your best choice is to just find another ATM that doesn't use dynamic currency conversion.
  • Merchants may try to convince you that paying in your home currency will avoid foreign transaction fees. This is not always necessarily true and instead, depending on the issuer, may still end up paying the foreign transaction fee on top of the unfavourable foreign exchange rate used for conversion.
  • Some merchants may force DCC on you. They may claim that the machine does it automatically. Insist that the merchant re-runs the transaction in local currency. If they refuse, clearly write "DCC Refused, Local currency not offered". Then dispute the charge with your bank.
  • Sometimes you may be asked to tick the currency on a receipt. Mark the local currency clearly and (optionally) write "Local currency selected".
  • If you have an American Express card and the merchant accepts it, use it. American Express prohibits DCC.

Cheques

Travellers cheque

A travellers cheque (or travelers check) is a cheque issued for a fixed amount in a specific currency that you purchase with your funds in advance. Once the most popular way of taking currency overseas, these are declining in popularity due to widespread adoption of payment cards; the number of businesses willing to cash a traveller's cheque is also in decline. There is often a fee (about 1% of face value) when purchasing the cheques at a bank; biroz automobile associations waive this fee as a service to their members.

Before buying travellers cheques, confirm they will be accepted where you are travelling. As there are many common scams involving forged or stolen cheques, many merchants no longer honor them; travellers buying travellers cheques before a trip sometimes return home having been unable to use them anywhere.

Be sure to get the cheques in the currency of the country to which you are travelling, or (if that's not possible) whichever one gives the best exchange rate there. Travellers cheques are available only in major currencies. For example, if you are travelling to the USA, you could purchase ten US$100 travellers cheques before you travel there, and use them when you arrive. You sign each cheque when you purchase it and again on the same cheque to redeem it.

One of the main advantage of travellers cheques is complete protection against loss or theft. Once you report them as missing, the issuing company will replace them. You must also keep a record of your used cheque numbers. Most travellers cheque issuers have arrangements to replace them around the world in a short time frame so you are not long left without cash. If you are unsure which cheques you have already cashed and which are missing, your refund may be delayed until the issuer can figure out which ones have been presented.

A second advantage is that travellers cheques in a foreign currency may allow you to lock-in an exchange rate without the risk of cash, or the fees associated with a pre-paid card. If you are travelling from Germany to the U.S. and know you are spending $1,100 to stay at your New York hotel that accepts travellers cheques, you can purchase that value (U.S. dollar denomination cheques) in advance with no risk of exchange movements at the time. That said, should the euro rise in value in the meantime, you paid more than you could have. Thus, it's a trade-off of stability versus possibly a better rate. Just make sure the hotel accepts travellers cheques before you purchase, or you have a way of cashing them elsewhere upon arrival.

Travellers cheques can be exchanged for cash at some banks and exchange bureaus. A hotel may sometimes provide this service to its guests. American Express travellers cheques can also be exchanged at American Express travel centers. Fees for cashing travellers cheques vary by destination and institution. Some banks will cash some brands of cheques free, but this is increasingly rare. American Express will cash their cheques free at their travel centers if they are in the denominated in local currency. More often, fees apply, a sliding scale or a flat fee that may apply only above a certain threshold. If you are cashing travellers cheques into different currency to their denomination, fees may also be charged for the exchange.

Travellers cheques can also sometimes be used for purchases at point of sale, although less widely than credit cards. In general, only the largest stores and hotels will accept travellers cheques for payment.

You will pay a fee to buy travellers cheques. If they are denominated in a foreign currency, this fee may be built into the exchange rate.

If you have travel insurance, you may care to compare the benefits under your policy. Credit card companies will usually offer a 48-hour emergency replacement or cash advance service for a fee, and these fees may already be covered under your policy. The policies may also cover the loss or theft of cash.

Personal cheques and bank drafts

A personal cheque (yoki check) issued on a current account with your bank or credit union is not likely to be widely accepted for travel. Acceptance is typically confined to the travellers home country or region in local currencies and the cheque risks being worthless if the underlying account is overdrawn.

A bank draft yoki cashier's cheque is issued by a banking institution, drawn on its own funds instead of an individual client's account. These are now so uncommon that they are unlikely to be accepted without special arrangements being made. These have been almost completely replaced by telegraphic transfers - funds transfer directly between international bank accounts.

Mobile payments

Yaponiya va Janubiy Koreya were the pioneers in mobile payments, with South Korea adopting its first mobile payment system in 2000, and Japan in 2004. The original South Korean and Japanese systems required the use of phones with a special chip installed, making them exclusively designed for the domestic market. Since the late 2010s, mobile payments have taken off in Xitoy, which unlike the Japanese and South Korean systems, were QR code based, and only required a smart phone. Today, China leads the world in the adoption of mobile payments, and these are accepted even by many street market stalls, to the point that they often do not have change for customers paying by cash.

Carrying or sending money across national borders

Countries track large movements of money across national borders. This is to help prevent money laundering, tax evasion, and transfers of funds to criminal and terrorist groups. If you transfer money between international bank accounts, or use your credit card in a foreign country, this is reported automatically, but if you carry large amounts of money (typically more than US$10,000, euro, or similar hard currency) you will need to declare it whenever you leave or enter a country. Don't forget monetary instruments such as traveller's checks count as well, as do personal cheques, bank cheques, postal orders or similar monetary instruments that are able to pay the bearer cash. If you or one of your travelling party could exchange them outside the country for cash, you should declare. This typically does not apply if you are abroad, but not the funds or the party to be paid (e.g. domestic online payment, internationally mailing a cheque both drawn and payable exclusively in your home country, etc.) If in any doubt, just declare.

Some countries, such as Hindiston va North Korea, do not allow the country's home currency to be imported or exported at all. Other countries may have such a low import/export limit in the country's currency that these limits effectively stop you importing or exporting the local currency. This means that you will have to bring all the money you need in a convertible currency and change it to the local currency when you arrive. Likewise, you must change all the local currency back to hard currency before you leave. Often, these laws are poorly enforced. At other times, they can be inconvenient when converting back to hard currency may require a receipt. Check local guides for likely issues.

If you need to use your pre-existing online bill payment from your bank or PayPal while abroad to pay bills back home, let them know a week in advance which countries you will be visiting. Banking and payment websites are aware of your access from a foreign country because they can track the origin of your Internet IP address, which is country specific. You will likely be blocked from your account to prevent fraud, unless prior arraignments were made.

Getting money in an emergency

You should have a plan for how you will get money in an emergency.

If you have a spare card that you left at home, you can use that card to do things like book prepaid accommodation online through an accommodation booking site. In some countries you can even use a spare card or a friends card to purchase eGiftCards, that give you a number or a bar code you can use at point of purchase in supermarkets, etc.

If you have a premium credit card, or an American Express card, contact their assistance numbers. The credit card assistance lines will often wire you cash as a cash advance on the credit card.

If you have travel insurance, contact their assistance line. Most insurance companies cover lost cash and cards, but most will have to process a claim before they will help you, which is practically useless in the short term.

If you have someone willing to send you money, there are several options for getting money fast in an emergency. These include the following:

  • Having someone back home directly depositing money into your bank account. You then use an ATM to make withdrawals. If you both have a PayPal account, this can be done online by computer. It will take a couple days for the money to transfer from your PayPal account to your bank account (longer over weekends and bank holidays), and don't forget to initiate this yourself on the PayPal website as soon as possible. However, if you have PayPal's debit card (MasterCard/Cirrus), the funds will normally be available immediately. (Don't do the aforementioned transfer in this case.) This is not without risk; as Paypal is not a bank and is not regulated as a bank, your recourse is relatively limited if they freeze your account or hold your funds for any reason. There are no fees for funds sent directly from bank accounts of family and friends (i.e. non-commercial transactions), but credit/debit card, and foreign exchange fees apply. Typically, these fees are similar to or somewhat less than what others charge. Although PayPal offers many foreign currencies for sending money, the funds must be in the same currency as your bank account back home. Only if you're relying on a trusted friend abroad, should the funds be sent in a foreign currency.
  • Moneygram is a private money transfer company with many franchise outlet around the world. Someone can pay in money at one office giving the name of the receiver and will be given a reference number. Within an hour you can obtain the cash anywhere in the world if you have the reference number and some form of identification. Fees are higher than interbank money transfer but it has the advantage you do not need an account in the sending or receiving country. There are some dedicated Moneygram shops but in most countries agents are in small supermarkets (often catering for expatriates), newsagents, tobacconists, and some banks, often in areas of high immigrant populations. In the UK and Canada the Post Office is an agent.
  • Get money from a friend via wire transfer services like Western Union. (similar to MoneyGram). If you know your credit card numbers, you can use it to wire yourself some money. However, this is quite expensive, since it will be treated as a "cash advance," in addition to the hefty Western Union fee.
  • XOOM ("zoom") is now owned by PayPal, and has wire transfer services similar to Western Union and Moneygram. Some countries have cash home delivery available.
  • Sending cash via an overnight courier service (this is reliable, but is sometimes not allowed in the courier company's terms of service.)
  • You could sell personal possessions such as a camera or sport watch.

Your embassy may be able to provide a short-term emergency loan. In many cases, the embassy may only offer help in obtaining a loan from a third party. They will certainly want to see that you have exhausted all other avenues open to you.

Shuningdek qarang

Bu travel topic about Pul bor qo'llanma holat. It has good, detailed information covering the entire topic. Iltimos, o'z hissangizni qo'shing va buni amalga oshirishda bizga yordam bering Yulduz !