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|A Travelers Guide To Currency Exchange
Exchanging currency is something frequent travelers must become
familiar with. There are many different currencies around the
world. Finding out how to exchange currency and where to do it
can help travelers get the most out of their money.
The following outlines the major places that will exchange money
for travelers. Also indicated are any problems or concerns about
exchanging currency using the methods.
1. Airports. Airports will exchange currency for travelers at
desks they have set up for this purpose. They usually offer
exchange rates that are the worst available. They charge high
fees which can sometimes be as high as 20% of the exchange
amount. This type of exchange is most convenient for the time
pressured traveler. It is conveniently located at the airport
and it is easy to do a transaction.
2. Banks. Local banks are happy to exchange currency. They often
offer the best rates and do not charge fees that are too high.
Banks tend to use exchange rates based on the actual traded
values. Banks, however, are limited in hours of operation and
may be unable to exchange certain currency or large amounts.
3. Credit and Debit cards. This is the quickest and easiest way
to exchange currency. Most major credit cards work world wide
without hassle. The exchange rates are competitive which keeps
them low. Travelers should alert their credit card company that
they are using it outside of their home country so it does not
get deactivated as security precaution.
4. ATM machines. They are easy to use, but also pose a risk of
high fees associated with their use. Travelers wishing to use
ATM's outside of their home country should discuss fees first
with their bank.
Travelers may find many different places to exchange currency.
The four listed here are the most commonly used options. Each
has an up and down side and the one a traveler chooses depends
on their own needs and concerns.
About the author
Stephen Kreutzer is a freelance publisher based in Cupertino,
California. He publishes articles and reports in various ezines
and provides resources
on currency exchange at CyberTopics.