Skip to main content
Smart FXCurrency Exchange
News

Cash or card: which costs less abroad?

A globe with location pins
News

Cash or card: which costs less abroad?

Cards are convenient but carry conversion fees. Cash gets a better rate but you have to carry it. Here is the comparison.


The most common question we get is whether to carry cash or use a card. The answer is both — the trick is knowing when each one wins.

Cash works better for

  • Small shops, markets and transport that do not take cards
  • Countries where foreign card fees run high
  • Keeping your spending inside a budget

Cards work better for

  • Accommodation and tickets booked ahead
  • Larger amounts you would rather not carry
  • Emergencies that run past what you budgeted
Share this article
Back to news