Travel Checklists
Travel Money Guide
Plan travel money with notes on cards, cash, currency exchange, fees, backup payment options, security and pre-departure checks.
What to check
Cards, cash, currency, fees, exchange rates, backup options and security.
When to prepare
Before departure, with enough time to arrange cards or currency if needed.
Ideal for
Any traveller spending overseas or visiting multiple countries.
Review time
Allow time to check fees, card settings and backup payment options.
Good to know
Card acceptance, ATM access and cash needs vary by destination.
Travel note
Carry more than one payment method where practical.
Why travel money matters
Payment access affects meals, transport, hotels, tips, deposits and emergencies.
Cards and fees
Check overseas transaction fees, ATM fees, card acceptance and card notifications.
Cash needs
Some places still need cash for small purchases, markets, tips or transport.
Exchange rates
Rates and fees vary. Compare the true total cost, not only the headline rate.
Backup payment options
A second card or separate payment method can help if one card fails.
Security and scams
Use secure ATMs, protect PINs and keep payment methods separate.
Daily budget
Allow for meals, transport, tips, local taxes and unplanned costs.
Final checks
Confirm cards, cash, PINs, app access, limits and emergency bank contacts.
Payment access
Payment access affects meals, transport, hotels, tips, deposits and emergencies.
Card fees
Check overseas transaction fees, ATM fees, card acceptance and card notifications.
Cash needs
Some places still need cash for small purchases, markets, tips or transport.
Rate check
Rates and fees vary.
Backup card
A second card or separate payment method can help if one card fails.
Security
Use secure ATMs, protect PINs and keep payment methods separate.
Daily budget
Allow for meals, transport, tips, local taxes and unplanned costs.
Final check
Confirm cards, cash, PINs, app access, limits and emergency bank contacts.