When traveling to USA, New York, how to pay (Euro bank account)
score:10
You should be able to look on your banks website (or go in and ask) and see what charges they do for this sort of thing. They probably charge a fixed percent of the amount spent. For example, my bank charges 2% any time I pay in a different currency, where as if I withdraw different currency from a cash machine it charges 1.5% and a £1 fee for withdrawal. So for me personally, it would be cheaper to do one bigger cash withdrawal and then pay with that cash, than using my card each time.
Alternatively you can look at what exchange places in Greece charge to change money, again for me personally where I live they change 2-3%, so it is still cheaper for me to use the cash withdrawal option.
Upvote:2
The first thing is to check with your bank about the fees.
If everything is free
If you can make withdrawals in the US without large fees and the currency conversion rate is good then you can use your debit card everywhere and withdraw money whenever you need any. This is my prefered way.
If there's a withdrawal fee
Like my bank has for non-euro currencies. Use your card as much as possible and withdraw larger amounts in an ATM in the US, when you need it.
If the conversion rate is bad.
Then I suggest getting cash at a well-known exchange office in your home country. Your bank might help you with this either in office or using special ATMs with different currencies.
Upvote:5
I'd do the same as you would at home (the USA is not that different than the UK).
Get some US money before departing for things like taxi so you do not have to search for an ATM when landing; or need to use the airport exchange agencies.
Pay cash for things you are used to pay cash, pay with debit card when you usually pay with it and use credit card like you normally do.
You are travelling and already spending a large amount of money, so extra fees are not that big compared to the rest of your expenses.
Also, make certain you notify your bank (and credit card cie.) that you will be traveling to the US so that your card does not get accidentally blocked. (you can usually do that from the bank or CC websites).
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