John Petersen
New Member
- Time of past OR future Camino
- Fall if 2023
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Also I am curious who would have said this!I understand that U.S. $$$ can be used while on the way.
Hi John. Welcome. Please don’t take this wrong way but be careful where you source information from. Here is generally a good option. I note your other post was on a thread about some wildly inaccurate credit card info. Cheers!I understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
Me too!Also I am curious who would have said this!
I understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
There are parts of the world that do take USD of course, but trust me the exchange rate and ‘rounding up’ won’t be to your benefit!! Not to be confused with countries where the USD is official currency, such as Ecuador.Where did you hear this?
There are parts of the world that do take USD of course, but trust me the exchange rate and ‘rounding up’ won’t be to your benefit!! Not to be confused with countries where the USD is official currency, such as Ecuador.
Most resort areas in Mexico accept USD, but you'll pay more than if you use pesos.There are parts of the world that do take USD of course, but trust me the exchange rate and ‘rounding up’ won’t be to your benefit!! Not to be confused with countries where the USD is official currency, such as Ecuador.
Yes…. Paid for a safari in Kenya once in USD.Most resort areas in Mexico accept USD, but you'll pay more than if you use pesos.
Yes, I know when I landed in Vietnam a few years ago I had to present a crisp $50 USD to airport immigration along with my passport to finalize my visa, as well as exchange Vietnamese currency to USD at a jewelry store for something else.
My question was where did the OP hear that US currency was accepted on the camino?
Yes that is correct!East Africa and South and East Asia are a totally different world to Spain, France and Portugal. In my travels in these three countries since the introduction of the Euro I have only seen the E notes and coins accepted.
East Africa and South and East Asia are a totally different world to Spain, France and Portugal. In my travels in these three countries since the introduction of the Euro I have only seen the E notes and coins accepted.
Thank you!Nope. Euros are the currency of Spain. Dollars are not accepted nor easily exchanged. Your best bet is to use a no fee debit card at ATMs. I use a Schwab account debit card which charges no fees and rebates all ATM charges worldwide.
You can find other threads with the tag "money/banking/budget" here.
This is common in many countries in western Europe that use the Euro. Some ATMs let you choose what size notes you get but many don’t! I hate it too. Used a €50 for a pint of beer in a pub in Berlin tonight and didn’t go down well! Tried to find a ‘free’ ATM to get €40 out but no luck!Spanish ATMs often fed me 50€ notes. No one getting these complained but I could tell they weren't happy. They certainly wouldn't be happy getting $50 notes and likely aren't enchanted with George Washington portraits either.
In Spain, I only use bank ATM's. If the machine gave me all 50's, I always walked inside the bank and had them convert them into smaller bills; just another good reason why I only use bank ATM's during the hours they are open to the public.Spanish ATMs often fed me 50€ notes. No one getting these complained but I could tell they weren't happy. They certainly wouldn't be happy getting $50 notes and likely aren't enchanted with George Washington portraits either.
The only traveling I’ve done was back in 1960. This is all new for me, so thanks for your input.There are parts of the world that do this, however they tend to gauge you in price when they do. In Europe I have never found it helpful to carry USD. Go to your bank and order Euros if they don't have any in the bank... or go to an ATM when you arrive, or a combination of both. If along the Frances, you can stop at ATMs in all of the bigger cities, but don't count on ATMs in the smaller towns. I found if I took out 300 or more Euros at a time it held me until the next bigger city. Pamplona, Burgos, Leon, Ponferrada, Santiago were where I remember getting cash out. Maybe a couple other places... but don't recall. Oh.... and wherever I land (Paris/Madrid/etc)
I “think” I might have read that somewhere at sometime, but that be erroneous. Maybe it’s a flashback to the 60’s?Where did you hear this?
Well it’s Euros all the way now! You may want to look at do’s and don’ts of acquiring Euros as the ‘cost’ can vary hugely. A few simple practices can save you as much as 10-15 % on fees! Lots of threads on here!The only traveling I’ve done was back in 1960. This is all new for me, so thanks for your input.
I “think” I might have read that somewhere at sometime, but that be erroneous. Maybe it’s a flashback to the 60’s?
Thank you. As noted elsewhere, the only international traveling I’ve done was in the 60’s and also time spent in Bosnia during their war.Let's not judge a new member too harshly for asking the question. Not everyone who is planning their first Camino has traveled extensively and is savvy about foreign currency.
Better to ask now than to show up with thousands in USD, based on what "someone" told them and not be able to exchange it easily!
Thank you!!!!!Well it’s Euros all the way now! You may want to look at do’s and don’ts of acquiring Euros as the ‘cost’ can vary hugely. A few simple practices can save you as much as 10-15 % on fees! Lots of threads on here!
Yes and try and pick up the info from the USA folks as though there is a lot of general great advice that is global ( don’t get money out at airport desks, on credits cards, and always never let the ATM dictate the rate) there are some areas where the nation of the card you hold is key!@John Petersen if you click on the "tag" attached to the top of this thread ("money/banking/budget") you will find lots more information. Many of us have posted about the best ways to save on fees and about changing and using money on the Camino.
Welcome John! As you are already discovering on this thread, there is a lot of accumulated, collective knowledge on this forum, and the members are always eager to help and point you in the right direction; sometimes there are even "several" right directions!Thank you. As noted elsewhere, the only international traveling I’ve done was in the 60’s and also time spent in Bosnia during their war.
This reminds me of my mom...the last time she was in Europe was 1963. When I went on my last camino, she said "I'll give you some cash because when I was there we used $1s and $5's". And I had to remind her that was 55 years ago and most folks use debit cards or euros.I “think” I might have read that somewhere at sometime, but that be erroneous. Maybe it’s a flashback to the 60’s?
Here's a pretty good article: 5 Ways to Save Money When Traveling AbroadYes and try and pick up the info from the USA folks as though there is a lot of general great advice that is global ( don’t get money out at airport desks, on credits cards, and always never let the ATM dictate the rate) there are some areas where the nation of the card you hold is key!
Thank you@John Petersen if you click on the "tag" attached to the top of this thread ("money/banking/budget") you will find lots more information. Many of us have posted about the best ways to save on fees and about changing and using money on the Camino.
I’ll be welcoming all info. that is availableWelcome John! As you are already discovering on this thread, there is a lot of accumulated, collective knowledge on this forum, and the members are always eager to help and point you in the right direction; sometimes there are even "several" right directions!
yeah, I saved the 50 euro bills for the Albergues. Most of the time they would be charging me around 27 euros for the bed and the dinner combined, so a 50 euro note is not that out of line for them. Another tip is when you get to the airport, or maybe earlier than that, put all your euro coins into a vending machine. The vending machine will take all the coins except the 1 and 2 cent coins. So, you can get rid of your euro coins, and have something to eat or drink, too. My local bank that distributes Euros, (there's only one in Madison) will take back Euro bills, but will not take Euro coins.Spanish ATMs often fed me 50€ notes. No one getting these complained but I could tell they weren't happy. They certainly wouldn't be happy getting $50 notes and likely aren't enchanted with George Washington portraits either.
I would always withdraw an amount like 180 Euros to ensure that if 20 Euro notes were available, they would be dispensed. The mathematicians will know that this will work for any number that isn't a multiple of 50 if there are 50 Euro and 20 Euro notes available. If there are only 20 Euro notes, there will be some amounts that cannot be dispensed.Spanish ATMs often fed me 50€ notes. No one getting these complained but I could tell they weren't happy. They certainly wouldn't be happy getting $50 notes and likely aren't enchanted with George Washington portraits either.
And try to get lower denomination notes. Anything over a €50 note could cause problems. I prefer €20s myself, so don't take cash out in round hundreds.Thank you!
This is a very good option that I have never considered before.I prefer €20s myself, so don't take cash out in round hundreds.
Nope. Euros are the currency of Spain. Dollars are not accepted nor easily exchanged. Your best bet is to use a no fee debit card at ATMs. I use a Schwab account debit card which charges no fees and rebates all ATM charges worldwide.
I heard this a lot while preparing for our camino. However, 6 weeks of walking the CF and 8 weeks total in Europe (France & Portugal) nobody seemed the least bitSpanish ATMs often fed me 50€ notes. No one getting these complained but I could tell they weren't happy.
Bob, you reside in the US. If you don't have a Charles Schwab debit card yet, you are late to the party so get going!Great information. Thank you
Can I ask why you ‘buy’ foreign currency rather than just use a debit card with no fees. Has it been cheaper? Spain is experiencing huge growth in card payment btw up 25% in Q2!With the vast, accurate information already given, consider going, "native," as far as money is concerned. Yes, a credit card will get you part way but not all the way and, I have to say, a credit card may also find higher pricing. Credit cards do charge vendors a fee for every transaction. So, it is only common sense that they will have to charge a little extra to ameliorate their operating costs.
When I traveled through Ireland, England, France and Spain, I used Euros, and British pounds. Cash is never refused.
Go native. Do what the natives do. Anticipate your daily costs at 50-60 euro, or whatever amount makes sense for you. I have always purchased foreign currencies at home rather than in the country I am visiting. The only time I did not do that was over 20 years ago...a different world than today.
Carry a few US$ with you to get home from the airport.
And yet right now there are cafes and restaurants around me which either have a minimum amount for card payments (€9-12) or don't take card at all.Can I ask why you ‘buy’ foreign currency rather than just use a debit card with no fees. Has it been cheaper? Spain is experiencing huge growth in card payment btw up 25% in Q2!
Yes sure there is and always will be! It’s good growth though and hopefully will get better!And yet right now there are cafes and restaurants around me which either have a minimum amount for card payments (€9-12) or don't take card at all.
€5 banknotes are a precious commodityEven though I could see a pile of 5 euro bills in the cash register they wanted coins
That was me who said some ATMs give you an options. Choice of 2 options. Can’t qualify it or say which banks but I think Deutsche Bank may do as that are the bank I use in Spain.€5 banknotes are a precious commodity.
A friend of mine started to collect €5 banknotes for weeks before her departure for her continuation of the Camino Frances, and I started to follow her example. I think that I had collected 15 of them or thereabouts when I left for Spain. Of course, you can do this only when you happen to live in the eurozone as we do.
Someone mentioned that some ATMs in Spain allow you to chose which bills you want. I don't know how common this is in Spain nowadays. Where I live I can do this now - it was not possible when the Euro was introduced but that's a long time ago. These days, I never get anything higher than €20 banknotes, and of course I pay as much as I can in cashless form, whether at home or on Camino.
I've certainly come across one or two, but I couldn't say which.That was me who said some ATMs give you an options. Choice of 2 options. Can’t qualify it or say which banks but I think Deutsche Bank may do as that are the bank I use in Spain. .
Best of luck John, comparing to Bosnian war zone kind of puts the issue of blisters into perspective.Thank you. As noted elsewhere, the only international traveling I’ve done was in the 60’s and also time spent in Bosnia during their war.
I have used USD in a tight situation, but only one time. Innkeeper charged me approx 15% more than current spot USD/EUR exchange rate, but I was unfortunately stuck (due to a VISA snafu) and not enough Euros in my wallet. Never again - now carry both a no fee debit card and a no fee VISA card.East Africa and South and East Asia are a totally different world to Spain, France and Portugal. In my travels in these three countries since the introduction of the Euro I have only seen the E notes and coins accepted.
I have yet not ever had an option of monetary choices when using a European ATM, most recently in Italy.I've certainly come across one or two, but I couldn't say which.
True... on the VF this past Summer in France, the smaller village cafes, when they were open, often had a minimum VISA charge for breakfast (croissant and cafe'), or a surcharge for amounts under 5 euros.And yet right now there are cafes and restaurants around me which either have a minimum amount for card payments (€9-12) or don't take card at all.
Things must be changing slowly as old ATM's are probably being updated and replaced with new, improved machines offering a variety of denominations.That was me who said some ATMs give you an options. Choice of 2 options. Can’t qualify it or say which banks but I think Deutsche Bank may do as that are the bank I use in Spain.
To add to using bank ATMs only when the bank is open -- one time while I was (on the Camino) withdrawing money, my bank card got stuck, & I had to go inside to have someone retrieve it (yes, this can happen!) --In Spain, I only use bank ATM's. If the machine gave me all 50's, I always walked inside the bank and had them convert them into smaller bills; just another good reason why I only use bank ATM's during the hours they are open to the public.
Yes, thankfully it's only happened to me once as well in 2015, and fortunately not since. It is the reason I began using only bank ATM's, and during their working hours.To add to using bank ATMs only when the bank is open -- one time while I was (on the Camino) withdrawing money, my bank card got stuck, & I had to go inside to have someone retrieve it (yes, this can happen!) --
Oh! Good news.eliminating the worry of the machine "eating" your card. This should foil skimmers too.
Don.Some machines think a US quarter is a 2 euro coin, but who wants to travel around with a bag full of quarters
It probably has more to do with the fact that pilgrims with US dollars are a small minority on the Camino. The US dollar is just one of many other foreign currencies and has the same importance on the Camino as the British pound, the Australian or the Canadian dollar or the Danish Kronar. Not worth fussing around with all these foreign currencies.Most of the Camino is away from touristed areas, so you will want to use the local currency, the Euro
I've never used my actual card at a contactless terminal. I always use my phone and Google Pay. When the payment goes through there's a satisfying vibration, and a blue checkmark appears on the screen.Yes, tap cards are efficient, but at times I have had to tap my card several times before it works; I am a slow learner, even of a simple tap.
It used to be the case that in some places (eg Eastern Europe) they actively wanted "hard" currency so would readily accept dollars etc. These days I think some countries that aren't in the Eurozone will accept euros, but probably not so much dollars.It probably has more to do with the fact that pilgrims with US dollars are a small minority on the Camino. The US dollar is just one of many other foreign currencies and has the same importance on the Camino as the British pound, the Australian or the Canadian dollar or the Danish Kronar. Not worth fussing around with all these foreign currencies.
On the other hand, in Morocco for example, you can pay in euros if you don't have the right amount of Dirham on you, and I remember that, in Jordan, I was once approached by a local, a small trader perhaps - I can't remember what she was - and asked whether I could change the euro coins that she had accepted into the same amount in euro banknotes as this was easier/better for her to change into their local currency. I was happy to do this small favour. So yes, sure, depending on where you are in the world you may be able to use your own currency for payment.
I loaded my VISA card onto Apple Pay and was able to do about 50% of my paying by simply tapping my phone all the way across France and Switzerland. Carried the card just for emergencies and separate from my credit union debit card (no fees for any foreign transactions). Did leave my phone at a Carrefour store (DOH!!) after paying and packing the groceries into my backpack. Was only about 100 yards away from the store, but still a worrisome moment.More and more banks are going "contactless" at their ATMs, meaning you won't have to insert your card and will be able to tap your card (or your phone) on the machine to withdraw cash, eliminating the worry of the machine "eating" your card. This should foil skimmers too.
Same in, say, Myanmar. It's a hassle but old hat to have to acquire new notes in whatever currency. The smallest flaw or inkmark and you can't exchange them for local notes. This obviously does not apply to the camino.A few years ago, a friend went with a group on a mission's trip to Ghana. They were asked to bring only brand new, crisp $100 dollar bills...I never knew the reason.
This may be considered an bit an off-topic comment, but it is a curiosity to me and is about US denominations.
I have always purchased foreign currencies at home rather than in the country I am visiting.
Just curious. Does DB charge you a fee for using their ATM? Probably not if you have an account with the bank. I used Schwab debit card to get cash from their ATMs, and I don't think DB charges me any fees.That was me who said some ATMs give you an options. Choice of 2 options. Can’t qualify it or say which banks but I think Deutsche Bank may do as that are the bank I use in Spain.
I agree. I once checked with my local bank and was very surprised at what the charge was going to be, so I've never used their "service".In my travelling I have always found that that is the most expensive way to get foreign currency. I always buy currency “in country”. It may be different if your home currency is not a well known one (eg Hungarian Forint) but for USD and even AUD it is best to exchange in country. IME.
Since I also use a Schwab debit card I don't worry about what fees the ATM's bank charges since Schwab refunds the fees.Just curious. Does DB charge you a fee for using their ATM? Probably not if you have an account with the bank. I used Schwab debit card to get cash from their ATMs, and I don't think DB charges me any fees.
I think that my local bank says that it doesn't charge a fee to buy Euros, but the exchange rate is lousy.I agree. I once checked with my local bank and was very surprised at what the charge was going to be, so I've never used their "service".
On our 2015 camino Peg brought her Bank of America debit card because there was a no fee agreement with Deutsche Bank.Just curious. Does DB charge you a fee for using their ATM? Probably not if you have an account with the bank. I used Schwab debit card to get cash from their ATMs, and I don't think DB charges me any fees.
Spain is European Union and the currency is Euro only. I'm imagine the US Dollar can be exchanged in local banks for Euro.I understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
I have read posts on the forum that it can be difficult to exchange USD for Euros at banks in Spain. I would imagine it would be especially hard in smaller towns.I'm imagine the US Dollar can be exchanged in local banks for Euro.
Welcome to the forum! We certainly have a LOT of information. I hope that you won't get overwhelmed with the minutiae, such as you have received on this thread and on others about bank and currency. Really it is quite simple and with a few key pieces of information, you should be able to use cash (only Euros, though, which was your original question!) as well as bank/credit cards, with no problem. Some of our debates get into a lot of detail in an effort to save a small amount of money on what might be a once-in-a-lifetime trip.I’ll be welcoming all info. that is available
No they don’t. Spain is one of the worst countries in Eurozone for changing fees, much worst than most other Eurozone countries. Feeless ATMs are definately in the minority there. I have no account with them or any relationship. I am UK cardholder btw. They are also very transparent re mark up fees when they present the local or home country currency option too!Just curious. Does DB charge you a fee for using their ATM? Probably not if you have an account with the bank. I used Schwab debit card to get cash from their ATMs, and I don't think DB charges me any fees.
The banks in Spain only change USD for people who have an account with them. So I recommend not to have a lot of money on you that you can’t spend. And if a local brings you to their bank there’s a big commission fee. UI understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
Wjat is your source for this info? Is it all banks? Does it include non Spanish banks based with outlets in Spain?The banks in Spain only change USD for people who have an account with them. So I recommend not to have a lot of money on you that you can’t spend. And if a local brings you to their bank there’s a big commission fee. U
I found using them at grocery stores or bigger stores was best. OK, maybe not the very tiny grocery store in the small villages - but medium to large villages and in cities was fine. Also at actual hotels. Albergues - well - it depended on how large the albergue was and the cost of the albergue. Yes - albergues that served dinner were OK places to use them, the 5-10 Euro albergues were NOT the best places to use them.yeah, I saved the 50 euro bills for the Albergues. Most of the time they would be charging me around 27 euros for the bed and the dinner combined, so a 50 euro note is not that out of line for them. Another tip is when you get to the airport, or maybe earlier than that, put all your euro coins into a vending machine. The vending machine will take all the coins except the 1 and 2 cent coins. So, you can get rid of your euro coins, and have something to eat or drink, too. My local bank that distributes Euros, (there's only one in Madison) will take back Euro bills, but will not take Euro coins.
I disagree. In the UK I can get a better rate through a broker (travelfx.Co.Uk) than I can in the eurozone.In my travelling I have always found that that is the most expensive way to get foreign currency. I always buy currency “in country”. It may be different if your home currency is not a well known one (eg Hungarian Forint) but for USD and even AUD it is best to exchange in country. IME.
Do you mean a better rate than using a ATM in the euro zone?I disagree. In the UK I can get a better rate through a broker (travelfx.Co.Uk) than I can in the eurozone.
I've been turned away before a couple of times trying to exchange some US bills I'd brought for local currency. Often if it is not "your" own bank they will no longer provide services.The banks in Spain only change USD for people who have an account with them. So I recommend not to have a lot of money on you that you can’t spend. And if a local brings you to their bank there’s a big commission fee. U
Is there a local reason for that? I used my card almost everywhere I ate or bought food when walking the CP in 2018. Pre-Covid, so things may have changed.Alert, Alert, Alert
Where I am living in Portugal near Lisbon very few restaurants accept any kind of credit card. It is cash only!!!
I understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
John. As others have said Euros us what you need. I did the full Frances route from St Jean in May/June 2022.I understand that U.S. $$$ can be used while on the way. What are the best denominations to carry?
$1. $5. $10. $20. $50. $100 bills
Is there a local reason for that? I used my card almost everywhere I ate or bought food when walking the CP in 2018. Pre-Covid, so things may have changed.
Yes.Do you mean a better rate than using a ATM in the euro zone?
Thanks David for being so precise. It’s challenged some of my preconceptions. That said can I check numbers as I am missing something.Yes.
Spot rate within the last 2 minutes HSBC 1.103 Travelfx 1.14 € to £
The first is a debit card transaction on the spot; the second is advance purchased cash currency delivered to your door.
Meanwhile the ‘official’ money market exchange rate is quoted at 1.223; so nobody’s doing the customer a favour really.
Apologies. The HSBC and Travelfx rates were correct £/€ numbers at the time. My money market number was a total error as it was the £/$ rate. (It was late). The current correct market number is 1.16.Thanks David for being so precise. It’s challenged some of my preconceptions. That said can I check numbers as I am missing something.
Bought a pizza (Italy) using UK Monzo debit card at approx 2200 CET last night and got an XE of GBP1 = €1.15701.
Previous few nights withdrawing money ATM in Germany - Monzo UK issued debit- a similar XE (not my card so can’t check exact rate) but above £1 to €1.15.
Right now, XE.COM (0645 CET) currently showing £1 = €1.15932. Spot rate on Bloomberg pretty much same. £ slightly down versus € overnight. I know I won’t get that btw.
What am I missing as our numbers vary hugely? Who is quoting 1.223? Are you saying £ has been trading versus € at that rate?
Yes though I found Australia to be no 1 in terms of card / contactless during a recent trip. Admittedly only big cities and purchases for travel, food and drink. Well played Australia as it saved me a lot as no charge on card payments but 2.99% on ATM withdrawals!Not accepting card payments?
It happens in some places here in Australia. For 2 reasons mainly.
1. They don't want the equipment expense and bank commissions involved in providing card payment.
2. Tax avoidance
Thank you but I am still suprised at your numbers. HSBC only 1.10? Monzo is 1.15. Your Travelex rate is 1.14 and my ATM is 1.15? Small margins I know!!!Apologies. The HSBC and Travelfx rates were correct £/€ numbers at the time. My money market number was a total error as it was the £/$ rate. (It was late). The current correct market number is 1.16.
My point that I can get a better rate for physical currency than I can with my HSBC debit card remains; but with either option I’m not being ripped off to the extent I implied.
Yes think we all get caught out now and again where we are short and have no negotiating position and taken to cleaners!I have used USD in a tight situation, but only one time. Innkeeper charged me approx 15% more than current spot USD/EUR exchange rate, but I was unfortunately stuck (due to a VISA snafu) and not enough Euros in my wallet. Never again - now carry both a no fee debit card and a no fee VISA card.
Japanese innkeepers do not like taking USD and will also make you pay if you insist!
YMMV
Bon Chemin
Yea they are part of a global relationship who have reciprocal agreements. Few other banks involved too.On our 2015 camino Peg brought her Bank of America debit card because there was a no fee agreement with Deutsche Bank.
Yes had same in Kenya when paying for trip! Crisp new notes above a certain serial number!A few years ago, a friend went with a group on a mission's trip to Ghana. They were asked to bring only brand new, crisp $100 dollar bills...I never knew the reason.
This may be considered an bit an off-topic comment, but it is a curiosity to me and is about US denominations.
Sure I am just amazed at variance. For me Monzo is free payments globally. ATM free in eurozone and up to £200 globally on a rolling 30 day basis. This varies though depending on how busy a customer you are. I find them excellent on every dimension. No charges at anytime for account.There’s not much I can do about you being surprised …
I’ll take a look at Monzo as (assuming no transaction fees or standing charge for the card?) It seems like a good rate. Are they easy to deal with? I’ve got credit cards with Jaja and Creation who have no charges and ‘not bad’ rates; but their admin is abysmal and they’re a PITA to deal with.
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