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thailand travel advice

Travel Forums Asia thailand travel advice

1. Posted by natsb (First Time Poster 1 posts) 9y

Me and my boyfriend are going travelling to thailand for 3 months a nd need some advice regarding money! We both have atm cards but neither of us have credit or debit cards, is it best to just rely on atm cards or take travellers cheques? Also how much money would you recommend we take between us?any other advice about thailand will be helpful!!

2. Posted by zachary (Respected Member 471 posts) 9y

Well, I think you need to upgrade your ATM card to a Visa Check Card, I think most banks these days have that available, that way you dont even need cash at times when you can use the Visa, it is NOT a credit card, I use mine ALL the time, and it's amazing to see how many Philippines and Thailand places accept Visa

ALSO, for backup, in case lost or stolen I'd suggest having 2 banks aswell.

Kind of a hassle yes, but well worth it in the long run IMHO

3. Posted by karazyal (Travel Guru 1594 posts) 9y

Quoting natsb

Me and my boyfriend are going travelling to thailand for 3 months a nd need some advice regarding money! We both have atm cards but neither of us have credit or debit cards, is it best to just rely on atm cards or take travellers cheques? Also how much money would you recommend we take between us?any other advice about thailand will be helpful!!

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If you have the time, and the money in the bank, I would also open up a debit card account with your bank. Debit cards work just like credit cards in an ATM but you don't have to pay any interest. It's always best to have more than one source of funds just in case an emergency comes up or one of the cards gets rejected or screwed up. You don't want all of your eggs in one basket!

Just curious, what kind of ATM card do you have that is neither a debit card or credit card? Also, check with your bank to see how much the fees will be for using an ATM each time overseas. When you do leave for overseas make sure that you inform your bank what countries you will be visiting and when you will return or they may think your card(s) are being used fraudulently!

4. Posted by Steve_ell (Budding Member 39 posts) 9y

Hi, cards are very handy but be aware that many charge a 2.5% surcharge for foreign currency transactions, plus some companies also charge extra for foreign transactions, plus credit cards incur a steep interest charge (unless you are in surplus, which does not earn interest)

5. Posted by cde3879 (Full Member 142 posts) 9y

Hi Natalie,

Open a Nationwide Flexaccount as that will give you a debit card and they do not charge anything for using it abroad. I have one of these accounts solely for this purpose cos I hate taking tonnes of cash or travellers cheques with me and it works wonders.

If you don't have sufficient rating to get a debit card then you still get an atm card which is free to use abroad unlike - I suspect - the one you have now which may charge you around £2 per withdrawal which can soon mount up.

If you are intending to stay in ANY big hotels while away, or hire a car or anything you MUST have a credit card for the "just in case" charges - a lot of hotels will refuse you to check in unless you have a credit card. They're also good for buying tickets online with budget airlines - very useful if your plans change and you want to get somewhere, or book anything online.

Cheers,

Chris