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    Currency Exchange

    Senior travel money.

    Avoid airport kiosks

    • Worst rates.
    • 10%+ markup.
    • Senior never use.
    • Better options exist.
    • Last resort only.
    • $50 wasted typically.

    ATM abroad

    • Best rates usually.
    • Bank fees may apply.
    • Senior $200-$400 at time.
    • Charles Schwab refunds ATM fees.
    • Best senior account.
    • Free.

    No-foreign-fee credit card

    • Capital One Venture.
    • Chase Sapphire Preferred.
    • Senior travel essential.
    • 3% fee saved.
    • $300 trip = $9 saved.
    • Get one.

    Wise app

    • Send money abroad cheap.
    • Real exchange rate.
    • Multi-currency account.
    • Senior international family.
    • Free or cheap.
    • Best Western Union alternative.

    Cash backup

    • $100-$200 USD.
    • Get from local bank.
    • Emergency only.
    • Senior peace.
    • Don't carry lots.
    • Money belt.

    Always pay in local

    • Decline DCC.
    • "Charge in local currency."
    • Senior 3-5% saved.
    • DCC = bad rate.
    • Always pay in local.
    • Free saved.

    No-fee card + ATM = senior best rates

    Senior best travel money: no-foreign-fee credit card (Capital One Venture) for purchases + ATM withdrawals abroad for cash. Always pay in local currency (decline DCC). Charles Schwab refunds ATM fees. Skip airport kiosks 10% markup.