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Traveling Internationally? Order Foreign Currency Before You Go

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Upon landing in a foreign country, expect a lot of lines. There’s immigration, passport control and customs inspection. But there’s one line you can — and absolutely should — skip: the airport currency exchange.

Not only does the airport currency exchange counter’s line cut into precious time abroad, but it’s typically a terrible money move. Airport currency exchange rates are among the worst you’ll find.

It’s not uncommon to see airport exchanges charging 14% more than the current International Monetary Fund (IMF) exchange rate. NerdWallet even found some premiums exceeding 17%. Some also charge additional fees on top of the poor exchange rate.

So what do you do if you need cash upon arrival to order a cab or tip the bellhop? Consider ordering foreign currency before you fly.

Most banks allow you to order foreign currencies, which you can typically pick up at a local branch before your trip. Some banks offer to ship currencies to you, and sometimes they don’t even charge extra for postage if you order a certain amount.

Plus, the exchange rate are usually quite good. For instance, at Bank of America, the exchange rates we checked in January 2024 average roughly 6% more than the IMF rates — and less than half of what the airport currency exchanges are charging.

Just check your own bank's exchange rate to ensure it's optimal before initiating the transaction.

» Learn more: The best travel credit cards right now

How to order foreign currency from your bank

While the exact process varies by bank, most major banks make it easy to order online.

Typically you can access the currency exchange webpage through your bank’s website or mobile app, or by phone. From there, you usually enter the currency you need, add the desired amount, select the pickup method and place your order.

While you can generally expect a solid exchange rate, use a trusted source such as Reuters or the International Monetary Fund to find current exchange rates and ensure you get a fair deal.

Additionally, understand all the fees involved. For example, Citi charges a $5 service fee for transactions under $1,000, though it’s waived for clients with premium bank accounts .

Or you might get charged a shipping fee. Bank of America’s standard shipping costs $7.50, but overnight shipping is $20. Sometimes you can avoid shipping fees by opting to pick up the cash at a local branch or by being a loyal customer. Bank of America Preferred Rewards program members get free standard shipping.

There’s also generally a minimum amount of foreign currency you can order ($100 or $200 is common) and a maximum ($10,000 within a 30-day period is common).

Other good ways to pay abroad

If it’s too late to order foreign currency from your bank, here are other ways to curtail currency fees :

Find an in-network ATM abroad

Major banks usually have branches abroad or partner with other banks to create a network. Using those ATMs often provides a decent exchange rate while eliminating out-of-network ATM fees.

If you end up using a non-network ATM, pay attention to ATM fees , which vary but usually run about $5 per transaction. Given that, consider limiting ATM debit transactions by withdrawing the amount you think you’ll need for the entire trip, or at least a large portion of it.

ATM availability is more common in some places than others. Macau has the highest number of ATMs per capita with 316 ATMs per 100,000 adults, based on 2021 data from the World Bank Group. Uruguay, Canada and Austria are other destinations with the most ATMs per capita.

But other countries tend to have far fewer. For example, Kenya had fewer than 7 ATMs per 100,000 adults and Nepal had only 20 ATMs per 100,000 adults, according to the same data.

Pay with a credit card that doesn’t charge foreign transaction fees

Depending on the card, you might get dinged with foreign transaction fees of 1%-3% when you make purchases at non-U.S. retailers abroad.

That’s why it’s wise to carry a no-foreign-transaction-fee credit card abroad.

on Chase's website

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠. .

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel. .

Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening. .

» Learn more: The best no-foreign-transaction-fee cards

And more international merchants are taking plastic. This wider card acceptance and increased security are reasons travelers are ditching cash, according to the Visa Global Travel Intentions Study 2023, which polled more than 15,000 people in the Asian Pacific region between April and June 2023.

While this type of card won’t help you pay at cash-only businesses or get money for tips, it’s otherwise one of the smartest ways to pay internationally.

» Frequent travelers: Consider a multicurrency account

Try paying in cash dollars

If all else fails, offer to pay in U.S. dollars. In fact, some merchants or individuals accepting tips prefer it in certain countries. You might find vendors willing to give you an even better deal if you pay with U.S. dollars.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

American Express® Gold Card

Access over $400 annually in benefits value with the American Express® Gold Card on eligible dining and travel purchases. Learn more here.

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Get the best US dollar exchange rate

Compare the latest US dollar exchange rates from the UK's best currency providers

Best US dollar exchange rate

It may come as no surprise that the US dollar is the most popular and widely-traded currency in the world. According to the Bank for International Settlements, nearly 90% of all foreign exchange trades involve the US dollar on one side of the transaction, and it's estimated that more than 60% of all the cash reserves held by central banks around the world are stored in US dollars.

If you're travelling to the USA, it's important to shop around and compare currency suppliers to maximise your chances of getting a good deal. We can help you to find the best US dollar exchange rate by comparing a wide range of UK travel money suppliers who have US dollars in stock and ready to order online now. Our comparisons automatically factor in all costs and commission, so all you need to do is tell us how much you want to spend and we'll show you the top suppliers who fit the bill.

Compare before you buy

Some of the best travel money deals are only available when you buy online. By using a comparison site, you're more likely to see the full range of deals on offer and get the best rate.

Order online

Always place your order online, even if you plan to collect your currency in person. Most supermarkets and high street currency suppliers offer better exchange rates if you order online beforehand.

Combine orders

If you're travelling with others, consider placing one large currency order instead of buying individually. Many currency suppliers offer enhanced rates that improve as you order more.

The best US dollar exchange rate right now is 1.299 from Travel FX . This is based on a comparison of 17 currency suppliers and assumes you were buying £750 worth of US dollars for home delivery.

The best US dollar exchange rates are usually offered by online travel money companies who have lower operating costs than traditional 'bricks and mortar' stores, and can therefore offer better currency deals than their high street counterparts.

For supermarkets and companies who sell travel money online and on the high street, it's generally cheaper to place your order online and collect it from the store rather than turning up out of the blue and ordering over the counter. Many stores set their 'walk-in' exchange rates lower than their online rates because they can. By ordering online you're guaranteed to get the online rate and you can collect your order from the store as usual.

US dollar rate trend

Over the past 30 days, the US dollar rate is up 0.72% from 1.299 on 16 Aug to 1.3084 today. This means one pound will buy more US dollars today than it would have a month ago. Right now, £750 is worth approximately $981.30 which is $7.05 more than you'd have got on 16 Aug.

These are the average US dollar rates taken from our panel of UK travel money providers at the end of each day. You can explore this further on our British pound to US dollar currency chart .

Timing is key if you want to maximise your US dollars, but the best time to buy will depend on the current market conditions and your personal travel plans.

If you have a fixed travel date, you should start to monitor the US dollar rates as soon as possible in the period leading up to your departure so that you've got time to buy when the rate is looking favourable. For example, if the US dollar rate has been steadily increasing over several weeks or months, it could be a good time to buy while the rate is high.

Some people prefer to buy half of their US dollars as soon as they've booked their holiday, and the remaining half just before they depart. This can be a good way of maximising your holiday money if the exchange rate continues to rise after you've bought, but will also help to minimise your losses if the rate drops.

You could also consider signing up to our newsletter and we'll email the latest rates to you each month.

If you need your US dollars sooner and don't have time to wait for the rates to improve, you can still save money by comparing rates from a range of different providers before you buy. Online travel money suppliers usually have better US dollar rates than high street exchanges, but supermarkets are a good compromise if you want to collect your currency in person and still get a decent rate. Just remember to buy or reserve your US dollars first before you collect them from the store so you benefit from the supplier's better online rate.

US dollar banknotes and coins

US dollars are governed and issued by the central bank of the United States, the Federal Reserve, while the physical production of US dollar banknotes and coins is managed by the Department of the Treasury. Banknotes are printed by the Bureau of Engraving and Printing in Washington D.C., and coins are minted by the United States Mint which has facilities in various US cities including Philadelphia, Denver and San Francisco.

One US dollar ($) can be subdivided into 100 cents (¢). There are seven denominations of US dollar banknotes in circulation: $1, $5, $10, $20, $50 and $100 which are frequently used, plus a rarer $2 bill which is not as widely circulated but is still printed and is legal tender.

All US dollar banknotes feature two insignias that are intended to represent different aspects of American culture and history. The first insignia, known as the Great Seal, depicts a bald eagle with a shield on its chest, holding an olive branch and arrows in its talons. Above the eagle's head is a banner with the Latin phrase "E Pluribus Unum" which means "Out of Many, One", and a constellation of 13 stars representing the original 13 American colonies. The second insignia is the seal of the Federal Reserve System. The front of the seal features an eagle holding a key which represents the Fed's role in controlling the money supply, and a scroll which represents the Fed's responsibility to regulate and oversee banks.

There are four US dollar coins in frequent circulation: 1¢, 5¢ (nickel), 10¢ (dime) and 25¢ (quarter). 50¢ and $1 coins are also minted but are not as widely used.

Dollars are colloquially referred to as 'bucks'. The name was originally used as slang term in 19th century poker games, where a 'buck' was a buck-handled knife that was passed from player to player to indicate whose turn it was to deal. If a player didn't want the responsibility of dealing, they could 'pass the buck' to another player. Over time, the term 'buck' came to be used more broadly to refer to a bet or a wager; eventually becoming synonymous with dollars.

There's no evidence to suggest that you'll get a better deal if you buy your US dollars in the USA. While there may be better exchange rates available in some locations, your options for shopping around may be limited once you arrive, and there's no guarantee the exchange rates will be any better than they are in the UK.

Exchange rates aside, here are some other reasons to avoid buying your US dollars in the USA:

• You may have to pay commission or other hidden fees to a currency exchange that you wouldn't have paid in the UK
• Your bank may charge you a foreign transaction fee if you use it to buy US dollars when you're abroad
• It can be harder to spot scammers and fraudulent currency exchanges in the USA

Lastly, it can be handy to have some cash on you when you arrive at your destination so you can pay for any immediate expenses like food, transport and tips. You don't want to be searching for the nearest currency exchange when you've just landed and you're desperate for a cup of tea - or a cocktail!

Tips for saving money while visiting the USA

The USA has a high standard of living, and prices are generally comparable to the UK for things like accommodation, food and transport. Hawaii, New York and California are generally considered to be the expensive states to visit, while Kentucky, Mississippi and Arkansas are among the cheapest.

• Research your accommodation: One of the best ways to save money is by opting for budget accommodation. Hostels, guest houses and AirBnB can be much more affordable than hotels, especially if you rent a room instead of an entire apartment. Hostel chains like Hostelling International, Freehand Hostels and Selina operate modern, budget-friendly accommodation in most large US cities.
• Use public transport: Private taxis and rental cars are an expensive way to get around, so make the most of busses, trains and metros wherever possible. Look out for discounted travel passes like CityPASS and Go Card to save even more on standard fares.
• Eat like a local: The USA is synonymous with fast food restaurants, but diners are another major staple of American dining which offer large portions of classic American dishes at affordable prices. Or, for a healthier option, consider shopping in local grocery stores and cooking your own meals if your accommodation has a kitchen.
• Plan your itinerary: Research free attractions in whatever city you're staying in and plan your itinerary around these. Many museums, botanical gardens and historical sites offer free entry, and there are over 60 National Parks across the US, many of which are free to enter such as Great Smoky Mountains in Tennessee, Olympic National Park in Washington D.C. and Acadia in Maine.
• Find discount vouchers: Many tourist attractions and activities offer discount vouchers and codes that can save you money on entry fees and other perks. Look for vouchers online; sign up to newsletters and follow the social media accounts of places you're planning to visit.
• Take cash: Using cash will help you to stick to a budget more easily than paying by card, and you'll also avoid foreign transaction fees. If you do take a card with you, look out for ATMs that are affiliated with your UK bank to avoid ATM fees, and if you're asked whether you want to pay in pounds or US dollars - always choose US dollars. If you pay in pounds the merchant can set their own exchange rate which won't be in your favour.

Choosing the right payment method

Sending money to a company you might not have heard of before can be unsettling. We routinely check all the companies that feature in our comparisons to make sure they meet our strict listing criteria, but it's still worth knowing how your money is protected in the unlikely event a company goes bust and you don't receive your order.

Bank transfer

Your money is not protected if you pay by bank transfer. If the company goes bust and you've paid by bank transfer, it's unlikely you'll get your money back. For this reason, we recommend you pay by debit or credit card wherever possible because they offer more financial protection.

Debit cards are the most popular payment method and they offer some financial protection. If you pay by debit card and the company goes bust, you can instruct your bank to make a chargeback request to recover your money from the company's bank. This isn't a legal right, and a refund isn't guaranteed, but if you make a chargeback request your bank is obliged to try and recover your money.

Credit card

Credit cards offer full financial protection, and your money is protected by law under Section 75 of the Consumer Credit Act. Section 75 states that your card issuer must refund you in full if you don't receive your order. Be aware that many credit cards charge a cash advance fee (typically around 3%) for buying currency, so you may have to weigh up the benefits of full financial protection with the extra cost of using a credit card.

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The 6 Best Travel Cards for the US 2024

If you live in the US but travel often abroad, a travel money card can make spending in foreign currencies cheaper and more convenient. Travel money cards also have the bonus that they can be cheaper when you shop online with foreign retailers, as there’s often no foreign transaction fee to pay.

Different types of travel money cards, including travel debit cards, prepaid travel cards and travel credit cards, are available to support different customer needs. The right one for you will depend on your personal preference and how you like to manage your money. 

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose. 

Wise – good value debit card for the US

Before we get into details about different travel money card options, let’s start with the Wise card as a good all-round option that allows you to hold and spend US dollars, as well as a diverse range of other world currencies.

Wise account can hold and exchange 40+ currencies, and you can get a linked Wise card for a one time delivery fee. Top up your account in USD and you can spend locally and overseas conveniently. If you plan to travel, you can switch to the currency you need before you travel, so you know your travel money budget in advance - or if you’d prefer, you can simply allow the card to automatically switch currencies as and when you need it. All currency conversion uses the mid-market exchange rate, with low fees from 0.43%.

Plus you can get USD bank account details - as well as local account details for up to 8 other currencies - to get paid conveniently to your Wise account . If you’re receiving money in USD to Wise, it’s free to get paid by ACH, and there’s a low 4.14 USD fee to receive a wire. There’s no fee to receive any of the other 9 currencies which come with local bank details.

Here are some of the advantages and disadvantages of using the Wise travel money debit card, to help you decide if it's suitable for you.

What is a travel money card?

A travel money card can be used for payments online and in stores, and for cash withdrawals , just like your regular bank card can be. You can use your travel money card in the US just as conveniently as you can when you travel or shop online with overseas retailers. However, with a travel money card you’ll find the features and fees have been optimized for international use . That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees. Some travel cards also have options to earn cashback and rewards when you use your card internationally. 

6 travel money cards for the US compared

We’ll look at each of these card options in a little more detail in just a moment, but let’s start with an overview of how 6 top travel money cards for the US line up side by side:

As you can see, the features of different travel money cards can vary pretty widely. In general travel debit cards can be convenient and often fairly cheap to use, while travel credit cards can offer some nice perks like cashback or rewards - but do mean you might run into interest and late payment charges, depending on how you choose to pay.

Travel debit cards often let you top up a linked account online or through an app, so you can set your budget and can’t spend more than you intend. Travel credit cards on the other hand let you spend to your card limit, and then repay the amount over a few months if you’d prefer to. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Broadly speaking, US customers are able to select a travel money card from either a regular bank or a specialist provider, which may be a travel debit card, travel prepaid card or a travel credit card. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

1. Travel Debit Cards for the US

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and convert a currency balance. That makes them equally convenient to use in the US when spending in dollars, when shopping online with retailers overseas, and when you travel. While different cards have their own features, travel debit cards can usually be topped up easily online and through an app, with the option to see your balance and get transaction notifications through your phone too. That makes it easier to keep on top of your money, no matter where in the world you are.

Travel debit card Option 1: Wise

Wise is a good value travel money debit card for the US. There’s no fee to open a Wise account, and just a small delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.43% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

• No fee to open a Wise account , no minimum balance requirement
• 9 USD one time fee to get your Wise card
• 2 withdrawals, to 100 USD value per month for free, then 1.5 USD + 2%
• Hold 40+ currencies, convert between them with the mid-market rate
• Get local account details to receive USD and 9 other currencies conveniently

Travel debit card Option 2: Revolut

Revolut has a selection of different account tiers, so you can simply pick the account you prefer - from Standard plans with no monthly fee to the 16.99 USD/month Metal plan. All Revolut accounts have linked cards, although exactly what type of card you get depends on your account tier. You can hold around 25 currencies, and convert currencies with the mid-market rate to your plan’s allowance. 

• No monthly fee if you open a Standard Revolut account, or upgrade for up to 16.99 USD/month 
• Card delivery fees may apply depending on your account tier
• All accounts have some fee free weekday currency conversion with 0.5% fair usage fees after that. Out of hours and exotic currency fees may apply in some cases
• Standard plan holders can withdraw 400 USD overseas per month without paying fees
• Hold USD and around 25 other currencies

Pros and cons of using debit travel cards in the US

How to choose the best travel debit card for the us.

The best travel debit card for USA really depends on your personal preferences and how you like to manage your money. If you’ll be traveling widely it makes sense to look for an account with mid-market currency exchange and a large selection of supported currencies, like Wise . Other providers like Revolut can also be a good pick, particularly if you’ll use your account very frequently and would prefer to pay a monthly fee to unlock lots of no fee transactions and extra perks.

Is there a spending limit with a travel debit card in the US?

Different providers set their own limits for card use. Limits may apply daily, weekly or monthly, and can apply to different types of transactions. You might find you have a limit to the amount of ATM withdrawals you can make per day, for example, or the value of contactless payments - these limits are set for security and can sometimes be managed and changed in the provider’s app.

2. Prepaid Travel Cards for the US

With a prepaid travel card you’ll need to order a card and add funds, to pay merchants and make cash withdrawals. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - not all cards are accepted globally, so you’ll need to check network coverage in your destination country.

Prepaid travel card option 1: Bluebird American Express prepaid debit card

You can order a Bluebird prepaid debit card for free online. You’ll then be able to top up in cash or from a bank account. You can also add checks or have funds deposited by others - fees apply for some top up methods. While this card doesn’t allow you to hold foreign currencies, you won’t pay a foreign transaction fee to spend your USD balance abroad, which makes it a good choice when you’re away from home.

• Get a card for free by ordering online
• Top up in a range of ways in USD
• No foreign transaction fee when spending overseas
• ATM withdrawal fees of 2.5 USD or the equivalent when overseas
• American Express cards are not always accepted internationally - check coverage before you travel
• No interest to pay 

Prepaid travel card option 2: Discover it Secured

Discover it Secured is a credit card, but we’ve included it in our roundup of prepaid cards because it’s a secured card, which means you’ll need to pay an upfront deposit, and can then spend to that deposit level every month. Clear off your bill in full to avoid interest, and you could build a credit score, earn cashback and get no foreign transaction fees when you spend overseas, too.

• No annual card fee, although interest charges and late payment fees do apply
• No foreign transaction fees for spending overseas
• ATM withdrawal fees may apply including a 10 USD cash advance fee
• Earn cashback on spending and build credit as you do so
• Discover network is not always internationally supported - check your destination before you travel

Pros and cons of using prepaid travel cards in the US

How to choose the best travel prepaid card for the us.

There’s no single best travel prepaid card for the US - it’ll come down to your personal preferenc e. If you’re looking specifically for a prepaid debit card you can use abroad with no foreign transaction fee, try the Bluebird card option. However, if a credit card suits you, the Discover it Secured can be a strong pick thanks to the cash back options available.  

Is there a spending limit with a prepaid card in the US?

Different prepaid travel cards set their own limits for spending and withdrawals, which can  vary between currencies. You’ll need to check your card’s terms and conditions carefully to make sure you pick a provider which suits your needs.

3. Travel Credit Cards for the US

Travel credit cards typically offer some extra international features compared to regular credit cards, such as low or no foreign transaction fees or extra option to earn rewards when you’re abroad. In general, travel credit cards are safe and convenient but can be more expensive compared to using a debit card option. Before you select the right card for you it’s important to check the fees, rates, eligibility rules and interest rates which apply, so you can make sure it’s a good fit for you.

Travel credit card option 1: Capital One Venture Rewards

The Capital One Venture Rewards card can be used in the US conveniently - and has no foreign transaction fees when you spend overseas. There’s also a comparatively low cash advance fee when you use an ATM, at 3 USD or 3% whichever is higher. You’ll need to repay your bill in full every month to avoid fees and interest, but can earn travel rewards and miles on your day to day spending.

• No foreign transaction fee
• Earn travel rewards on spending 
• Get extras like lounge access and free travel insurance
• International spending uses the network exchange rate 
• Variable interest rates which apply if you don’t pay off your bill in full

Travel credit card option 2: Chase Sapphire Preferred

The Chase Sapphire Preferred card has a variable interest rate with no foreign transaction fee to pay. However, you’ll need to pay a 95 USD annual card charge to get your card in the first place. Currency conversion uses the network exchange rate - plus there are benefits and rewards available for cardholders.

• Variable interest rates and a 95 USD annual fee
• Check your eligibility and order a card online easily
• Network exchange rates apply

Pros and cons of using credit cards in the US

How to choose the best travel credit card for the us.

The best travel credit card for the US will depend on your personal preferences. If you’re interested in earning rewards and cash back, a travel rewards card like the Chase Sapphire Preferred could be a good bet as it has no foreign transaction fee and offers rewards on all spending. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

Which cards are accepted in the US?

It’s important to know that you may find that different card networks are more popular in one country than they may be in another. For example, while Visa and Mastercard are pretty widely accepted globally, other popular US card networks, like American Express and Discover cards are less likely to be accepted in some countries and regions. Both networks have some support in the US, but coverage isn’t universal.

If you’re looking for a card specifically to take with you when you travel, it may be worth checking coverage in destinations you visit frequently to help you choose the right network for your needs.

In most cases it’s best to carry more than one means of payment when you travel - for example a credit card and a specialist travel money card which has been issued on a different network - so that you always have a plan B if your preferred payment method isn’t available.

Conclusion: Which travel money card is best for the US?

If you’re living in the US but travel often - or if you shop online with retailers based overseas, you might want to pick a travel money card for foreign currency spending. Travel money cards have different features, and can be picked up via regular banks or online specialists.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise debit card . Or you might prefer a prepaid travel money card like the Bluebird American Express debit card which can be linked to a fee free account. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees. 

Use this guide to start your research and pick the right option for your specific needs.

Go to Wise Go to Revolut

FAQs - Best travel cards for the US 2024

1. Which travel card is best to use in the US and abroad?

There’s no single best travel card to use in the US and when you’re headed abroad. Which is right for you will depend on your preferences and the features you want to access. Having a multi-currency account from a provider like Wise or Revolut can be a good bet if you travel widely as you’ll be able to hold and exchange dozens of major currencies for convenience.

2. What is the best way to pay when traveling outside the US?

Spending with your card is convenient when traveling, but you’ll be best off having several different payment methods just in case your first choice isn’t supported. For example, you could choose 2 different debit or credit cards, issued on different networks, and you could also get foreign currency cash in advance so you have some  on you for those times when cards aren’t available.

3. Can you withdraw cash with a credit card in the US and overseas?

You can usually make cash withdrawals with a credit card in the US and overseas, at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Revolut can be a lower cost option for cash withdrawals locally and abroad.

4. Can I use a US card abroad?

You can use your US card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in the US, making these good options to look out for when you pick your travel debit card for use overseas as well as in the US.

5. Are prepaid cards safe?

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

6. What are the main fees for travel cards when traveling?

The fees applied for travel cards can vary widely depending on the provider and the card type. With debit cards you may find ATM fees, and costs for converting currencies, although specialist providers like Wise and Revolut have linked multi-currency accounts which can bring down the costs of currency conversion. Credit card fees include cash advance charges, foreign transaction fees and interest.

Travel money guide

Compare fees, convenience, rewards and more between three key payment methods..

• Online shopping

Traveling overseas involves a lot of planning — and that includes your money.

What is travel money?

Travel money, for lack of a better term, essentially means the options of credit cards, debit cards, prepaid cards and foreign currency — all designed for travel and foreign transactions. Each form of travel money has different pros and cons, so you’ll want to compare and contrast before choosing which’ll be best for you and your itinerary.

Compare travel money options

Compare the fees, convenience, rewards and more between prepaid travel cards, credit cards, debit cards and foreign currency while planning how you’re going to pay for food, souvenirs and other goods on your next trip.

How to decide which type of travel money is best for you?

Prepaid travel cards, credit cards and debit cards can all be effective ways to pay while you’re traveling. In fact, a combination of the three might be the safest and most convenient way to have all your bases covered. But the travel money you should embrace as your primary payment method depends on your situation:

Pick a credit card if…

• You travel frequently and want to earn rewards. Whether you’re a hotel fiend, a frequent flyer or just love earning cash back, a travel credit card can be the gift that keeps on giving — as long as you keep spending. Just make sure you have a plan for paying your balance in time.
• You want a safety net in case of emergencies. Even if it isn’t your primary payment method, keeping a travel credit card in your back pocket can help cover any unexpected expenses.

Pick a prepaid travel card if…

• You’re on a strict budget. A prepaid travel card can help ensure you don’t overspend, since you can only spend what you’ve already loaded onto the card.
• You want to lock in an exchange rate. Avoid unpleasant surprises by knowing exactly how much your US dollars are worth from the get-go.

Pick a debit card if…

• You plan on frequenting ATMs. If you like the feeling of cold, hard cash in your hands — or will be shopping at markets that only accept cash — you should consider a travel debit card that comes with zero ATM fees.
• You want direct access to your checking account. A travel debit card can be more convenient than a prepaid travel card, since you don’t need to preload money. It’s also ideal if you want to avoid racking up a credit card bill.

Travel credit cards

Browse travel credit cards to find an option with perks that match your travel style — just make sure you have a plan to pay it off.

• Access to credit. Credit access comes in handy for emergencies.
• Rewards. Earning cash back lets you have something to look forward to when you come home.
• Extras. Some cards come with complimentary travel insurance, purchase protection and concierge services.
• Availability. Some travel credit cards are banned in countries like Cuba, Iran, Myanmar, North Korea, Sudan and Syria due to economic sanctions.
• Lack of access to cash. You could be charged with hefty fees for using a travel credit card when you withdraw cash at an ATM.
• Inactivity fee. Some card issuers will charge you a monthly fee if you don’t use the prepaid card frequently enough.

40+ currencies supported

• 4.85% APY on USD balances
• $0 monthly fees
• Up to $100 free ATMs withdrawals worldwide
• Hold and convert 40+ currencies

Up to $300 cash bonus

• 0.50% APY on checking balance
• Up to 4.50% APY on savings
• $0 account or overdraft fees
• Get up to a $300 bonus with direct deposits of $5,000 or more

Free ATM transactions

• $50 waivable monthly fee
• 0% foreign transaction fee
• Securely move money domestically and globally
• 5 monthly out-of-network ATM reimbursements
• Free international HSBC ATM transactions

Prepaid travel money cards

Prepaid travel money cards are great for budgeting, since you can only spend what’s already on the card — but that could actually be a drawback in the event of an emergency.

• Lock in exchange rates. These cares allow you to lock in rates so you won’t be surprised by the fluctuating value of your US dollars.
• Earn cashback. Select cards like the Prepaid Travel Card by Mastercard can earn you some rewards.
• Use it worldwide. Most prepaid travel cards are either Visa or Mastercard, which are widely accepted.
• Fees. you may have to pay for loading, reloading, currency conversion, withdrawing cash and more.
• ATM withdrawal limits . you may have to pay extra for withdrawing larger amounts of money.
• Not great for emergencies. since you only have a finite amount of cash you may need another source of money in case you run out.

Compare prepaid travel money cards

If you’re leaning toward a prepaid travel money card, compare some of our favorites before signing up.

Travel debit cards

Many travel debit cards waive foreign transaction fees and ATM withdrawal fees, setting you up for an easy breeze experience — as long as you don’t overdraw your checking account.

• Fewer fees. Withdraw cash and buy all the souvenirs you want without getting dinged for it.
• ATM availability worldwide. Choose a travel debit card that’s compatible with the highest number of ATMs.
• Fraud protection. Your bank can help with damage control if your card is lost or stolen.
• No cushion for emergencies. If you make large purchases, they could drain your account, which may lead to overdraft fees.
• Long card replacement wait. If you lose your card it may take up to two weeks to get a new one.

Traveler’s checks

Traveler’s checks were once a widely used form of travel money, but they’re going the way of the dinosaur. You can weigh up whether they’re worth your time below — but we’d advise looking elsewhere.

• Secure. Traveler’s checks are an extremely secure method to spend money overseas.
• Safe. They can be easily replaced if lost or stolen.
• Initial cost. You might be charged a purchasing fee when you first pick up your traveler’s check.
• Acceptance. Traveler’s checks aren’t accepted as widely as other payment methods.
• Can be bulky and awkward to carry. Plus, you’ll have to go to the effort of getting them cashed rather than having immediate access to your cash like you would with a card.

Comprehensive guide to using debit cards overseas

Foreign cash

Holding a certain amount of foreign cash provides you with convenience and payment flexibility. Some stops on your destination may be cash-only and having extra on you can provide a smooth transition to wherever your destination may be.

Knowing how the dollar has performed against foreign currency in the past few years and months will enable you to get the best exchange rate for your foreign exchange transaction. Our travel money guides will inform you on some of the ways to access cash and ATMs worldwide.

Is it safe to travel with cash?

Yes! In fact, it’s usually safer to travel with some cash than none at all — though you don’t need to take large sums along with you. To keep your cash safe while traveling, avoid keeping it all in one place. Instead, divide it between your suitcase, purse and other safe places so that if some gets stolen you still have backup cash.

Keep in mind that carrying more than $10,000 at a time could actually be a headache, since you’ll need to declare it on your customs form to explain why you’re traveling with so much money.

5 places to do a foreign currency exchange

The best place to exchange your foreign currency is at your bank or credit union BEFORE you travel.

• Bank. Call your local branch beforehand to see if their services line up with what you need. Most nationwide banks, like PNC, offer competitive rates and no transaction fees.
• Credit unions. Similar to banks, credit unions generally offer competitive exchange rates and limited or no transaction fees.

But if you’re already in a foreign destination, your best bet is to use a travel debit card to withdraw funds at an ATM.

• Debit card. You should be able to withdraw cash from an international ATM with decent exchange rates and fees ranging from 1% to 3%.

Airport kiosks and currency exchange stores should only be used as a last resort.

• Airport kiosk. After disembarking from the plane, you can exchange your currency at the airport. But fees are high and exchange rates will be less-than-favorable.
• Currency exchange store. You can find exchange stories in most international cities, but again, the fees will be working against you.

Destination money guides

For your next international trip, plan ahead by knowing how much to bring, and which travel money option is best for you. Choose your destination to get the full guide:

• Czech Republic
• Hong Kong, China
• Netherlands
• New Zealand
• South Korea

Amy Stoltenberg

Amy Stoltenberg managed newsletters at Finder, gathering the best articles each week to help subscribers save money and stretch their hard-earned dollars. She also handles the Twitter account, dabbling in Instagram and Facebook too. When she's not on the computer, you can find her exploring Los Angeles with a good book in tow. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report. See full bio

Kyle Morgan

Kyle Morgan is SEO manager at Forbes Advisor and a former editor and content strategist at Finder. He has written for the USA Today network and Relix magazine, among other publications. He holds a BA in journalism and media from Rutgers University. See full bio

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4 Responses

My son did some work overseas and was paid in Macedonian Denars. He’s having a terrible time getting this exchanged to US money. Where can he do this?

Hi Foxtrotrn,

Thank you for reaching out to finder.

Macedonian Denar is a closed currency which is a currency that you can only get in the country of origin and that is the reason why it is quite difficult to have it exchanged to US dollars.

The options that you have for foreign currency exchange are:

– International exchange kiosks which can be found in airports – Banks – Online foreign exchange companies such as World First, XE and other similar companies which offer exchange services online

I hope this helps.

Cheers, Charisse

Can I get dirhams–Moroccan currency–from any Chase branches?

Thanks for your inquiry. Please note that we are not affiliated with Chase or any company we feature on our site and so we can only offer you general advice.

Yes, Chase offers international money transfers including dirhams. Aside from using your bank, you can also compare currency exchange companies that you can use to save on your next exchange.

Best regards, Rench

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The 6 Best Travel Money Cards for the US - 2024

If you’re visiting the US, a specialised travel money card can make it cheaper and more convenient to access US dollars for spending and withdrawals. There are various options available, such as travel debit cards, prepaid travel cards, and travel credit cards, which cater to different types of customers. The right one for you will depend on your personal preference and how you like to manage your money.

Read on for all you need to know, including a closer look at travel money card types, some great options to consider, and the sorts of fees you need to think about when you choose.

Wise - our pick for travel debit card for the US

Before we get into details about different travel money card options, let's begin with the Wise card as a versatile travel money debit card that can hold and spend USD, as well as a diverse range of other currencies.

Hold and exchange over 50 currencies alongside USD

No fee to spend any currency you hold, low conversion fees from 0.41%

Mid market exchange rate on all currency conversion

Some fee free ATM withdrawals every month

No ongoing costs and no interest to pay

ATM fees apply once you exceed your plan limits

No option to earn points or rewards

Click here to read a full Wise review

What is a travel money card?

Similar to your standard bank card, a travel money card can be used for online and in-store purchases, as well as for cash withdrawals. However, with a travel money card, the features and fees are tailored for global usage. This may result in a better exchange rate, or fewer charges, in comparison to using your regular card abroad. Certain travel cards even offer opportunities to earn cashback and rewards for using your card internationally.

6 travel money cards for the US compared

Before we get into each card option in more depth, here’s a summary of how six of the best travel money cards for the US compare to each other.

The features of various travel money cards can differ significantly. Generally, travel debit cards can be convenient and relatively inexpensive to use, while travel credit cards may offer extra benefits such as cashback or rewards. However, they also come with the risk of incurring interest and late payment fees, if you don’t pay off your bill in full every time.

Travel debit cards usually allow you to easily add funds online or via a mobile app, which helps you stick to your budget and avoid overspending. Conversely, travel credit cards enable you to spend up to your credit limit, and you can pay off the balance over several months. Which is best for you will come down to how you like to manage your money - we’ll dive into a few more details about each card type, next.

What are different types of travel cards?

Generally, Canadian customers are able to select a travel money card from either a regular bank or a specialist provider, with card types available including travel debit cards, travel prepaid cards or travel credit cards. We’ll walk through what each travel money card type is, and pick out a couple of good card options, so you can compare and choose.

1. Travel debit cards

2. Travel prepaid cards

3. Travel credit cards

1. Travel Debit Cards

Travel debit cards are usually offered by specialist providers, with linked digital accounts you can use to hold and exchange a currency balance. Although these cards may have varying features, they generally provide an easy-to-use online platform and mobile app for topping up your balance. Additionally, you can view your balance and receive transaction notifications on your phone, making it easier to manage your finances no matter where you are in the world.

Travel debit card Option 1: Wise

Wise is our pick for a travel debit card for the US. There’s no fee to open a Wise account, and no delivery fee for your Wise card, with no minimum balance and no monthly charge. You just pay low Wise fees from 0.41% when you convert currencies, and transparent ATM fees when you exhaust the monthly free transactions available with your account.

No fee to open a Wise account , no minimum balance requirement

No fee to get your Wise card, free to spend any currency you hold

2 withdrawals, to 350 CAD value per month for free, then 1.5 CAD + 1.75%

Hold USD and 50+ other currencies, convert between them with the mid-market rate

Get local account details to receive CAD, USD and 7 other currencies for free

Click here to read a full review on the Wise card

Travel debit card Option 2: Canada Post Cash Passport

You can pick up a Canada Post Cash Passport in your local Post Office, and top up your account in CAD. You can then switch your balance to any of the 7 supported major currencies - or you can just allow the card to convert to the currency you need, although there is a foreign exchange fee of 3.25% for doing so. You can use your Canada Post Cash Passport card in ATMs and wherever the network is supported. ATM fees apply which vary by currency.

Supports 7 major currencies, including USD

No fee to spend currencies you hold in your account

Variable ATM fee, 2.5 USD when in the the US for example

1.5% fee for using your card in Canada - plus any applicable fee to convert funds back to CAD if you hold a foreign currency

Pros and cons of using debit travel cards in the US

Avoid interest costs and late payment fees

Hold and exchange currencies in advance or at the time of spending

Accounts can be topped up, viewed and managed using just your phone

Safe to use, as accounts aren’t linked to your main Canadian bank account

Travel debit cards are issued on popular global payment networks

Transaction and currency conversion fees may apply

Cash back and rewards may not be available

How to choose the best travel debit card for the US?

Choosing the best travel debit card for the US depends on your personal preferences and financial management style. If you travel often - and not just to the US - it's smart to consider an account that offers mid-market currency exchange rates and a wide selection of supported currencies, including USD, like Wise.  Other providers like Canada Post also support USD alongside a handful of other major world currencies, and the Cash Passport can be conveniently collected in your local Post Office.

Is there a spending limit with a travel debit card in the US?  

Card use limits are determined by individual providers and can vary depending on the transaction type. Limits may apply on a daily, weekly or monthly basis. For instance, there may be a cap on the number or value of ATM withdrawals allowed per day or a limit on the value of contactless payments you can make. These limits are set for security reasons and can often be adjusted using the provider's app.

2. Prepaid Travel Cards

With a prepaid travel card you’ll usually need to first order a card and then add funds in CAD from your bank account or card. Once you have a balance you can then pay merchants and make cash withdrawals at home and abroad. While prepaid travel cards are usually issued on large global networks - and can therefore be used pretty widely - you may find you pay a foreign transaction fee when overseas, depending on the specific card you select.

Prepaid travel card option 1: BMO Reloadable Mastercard

The BMO Reloadable Mastercard can be topped up in CAD and used when you travel in the US. You’ll pay a 2.5% foreign transaction fee when overseas, but you’ll still have the advantage that - as with other prepaid and travel cards - this card is not linked to your primary bank account, so it can increase security when spending abroad. There’s a 6.95 CAD annual fee, but as this is a purchase card rather than a credit card, there’s no interest to worry about. You just top up and you can spend up to your account balance freely.

6.95 CAD annual fee, 2.5% foreign transaction fee

5 CAD ATM fee

No interest to worry about

Manage your card online or using your phone, to top up and view balance

Add funds from BMO or other Canadian banks directly

Prepaid travel card option 2: Koho Premium Mastercard

You can get up to 2% cash back with the Koho Premium Mastercard, and there’s no foreign transaction fee to worry about. Instead, you pay a monthly card fee of 9 CAD. The basic card is free to get, or you can upgrade to a Koho metal card for 159 CAD if you want a fancier way to pay when you’re at home and abroad.

9 CAD/month premium fee

No foreign transaction fee

Earn cash back on your spending

Pros and cons of using prepaid travel cards in the US

Manage your account, add more money or convert funds online or with an app

Accounts with no monthly fees are available

Issued on globally popular networks for good coverage

ATM withdrawals supported globally

Some accounts have extras like options to earn cash back or reward points

Typically only CAD supported - watch out for foreign transaction charges

Transaction fees apply to most accounts

How to choose the best travel prepaid card for the US?

There’s no single best travel prepaid card for the US - it’ll come down to your personal preference. If you don’t mind paying a monthly fee you might like the Koho Premium card which waives foreign transaction fees, and other charges like ATM withdrawal fees. Otherwise, if you just want a simple prepaid card and don’t mind the foreign transaction fee when you’re in the US, the BMO prepaid card might suit you.

Is there a spending limit with a prepaid card in the US?

Various prepaid travel cards have different spending and withdrawal limits that can vary depending on the currency. To find the right card for you, you’ll want to carefully review the terms and conditions of each card provider you’re considering. This way, you’ll be confident you’ve picked a provider that meets your specific needs and requirements.

3. Travel Credit Cards

Travel credit cards often come with additional benefits not found in regular credit cards. These benefits can include lower or no fees for foreign transactions and the chance to earn extra rewards when using the card abroad. While travel credit cards offer safety and convenience, it's worth noting that they may be more expensive than using a debit card.

Before choosing a travel credit card, it's essential to consider factors such as fees, rates, eligibility criteria, and interest rates. Take the time to compare different options and select the one that suits you best.

Travel credit card option 1: HSBC World Elite Mastercard

The HSBC World Elite Mastercard has been optimised for overseas use, with extra rewards on international spending and travel, plus no foreign transaction fees to pay. There are lots of ways to earn rewards, including variable new customer bonus offers - the downside is that there’s an annual fee of 149 CAD, so you’ll need to check if the benefits outweigh the costs. As with any other credit card, you’ll also need to pay off your bill in full every month to avoid interest charges.

149 CAD annual fee, 5 CAD ATM withdrawal fee

Variable interest rate

Options to earn rewards, including enhanced benefits for travel spending

Travel credit card option 2: Home Trust Preferred Visa Card

The Home Trust Preferred Visa Card is a credit card with a variable interest rate, no foreign exchange fees and 1% cash back on all eligible purchases. There’s no annual fee to pay, although the ATM withdrawal fees can run pretty high - 1% or 1.5% depending on the ATM type, and the maximum cap is 15 CAD for some withdrawals.

No annual fee, no foreign transaction fee

1% cash back on all eligible purchases

ATM fees apply, which are set as a percentage, and can run pretty high

Pros and cons of using credit cards in the US

Enjoy peace of mind with zero liability policies offered by some cards

Spread the cost of your travel expenses over several months

Some cards have no foreign transaction fees, saving you money on international purchases

Exchange rates typically offered by card networks are usually fair

Earn cash back and rewards on your spending with select cards, making your travel even more rewarding.

Interest charged if you don’t repay in full every month

Eligibility rules apply

How to choose the best travel credit card for the US?

Selecting the best travel credit card for the US largely depends on individual preferences. If you aim to earn rewards and cashback on your foreign transactions, the Home Trust Preferred Visa may be a suitable option as it does not have a foreign transaction fee and provides cash back on all purchases. Whichever card you’re considering you’ll want to weigh up the potential fees you’ll need to pay against the rewards you can earn to make sure it’s worthwhile.

If you regularly travel to the US or further afield, getting a travel money card which supports the currencies you need frequently can help you save money. Travel money cards have different features, and can be picked up via regular banks, online specialists and even the Post Office.

You could opt for a low cost travel debit card which comes with a linked account to hold a selection of currencies - like the Wise account. Or you might prefer a prepaid travel money card like the Koho Premium Mastercard which has monthly fees in exchange for features like no foreign transaction charges - handy if you use it abroad often. Finally, another option is to get a travel credit card either to earn cashback and rewards, or to avoid foreign transaction fees.

The good news is that the Canadian market is well served for all types of travel money cards - use this guide to start your research and pick the right option for your specific needs.

FAQ - Best travel cards for the US

You can usually make cash withdrawals with a credit card in the US at any ATM that supports your card network. You’ll often find that a fee applies, and you may start to accumulate interest on the withdrawn amount immediately. Travel money debit cards from providers like Wise and Canada Post can be a lower cost option for cash withdrawals overseas.

You can use your debit card anywhere you see the card network’s logo displayed. Visa and Mastercard networks are very well supported globally, including in the US, making these good options to look out for when you pick your travel debit card for the US.

Prepaid cards from reputable providers are safe to use at home and abroad. They aren’t linked to your main bank account which can offer extra peace of mind, and may also make it easier to manage your travel budget. However, you’ll need to check the card features and fees carefully to make sure you're getting the best match for your needs.

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How much money can you bring into and out of the U.S.?

There is a limit on how much undeclared money you can bring into and out of the U.S. Find out how much, how to declare it, and what the penalties are if you do not report it.

How much money do you have to declare when you travel to or from the U.S.? 

If you are traveling with an excess of $10,000, you must report it to a Customs and Border Protection (CBP) officer when you enter or exit the U.S. But there is no limit to the amount of money you can travel with. 

Currency and monetary instruments that are subject to this rule include U.S. and foreign:

• Paper money and coins
• Travelers’ checks
• Cashier’s checks
• Promissory notes
• Money orders

Learn how the U.S. government defines these currency and monetary instruments.

How to report money when you travel

To report to CBP that you are bringing more than $10,000 in currency or money instruments into or out of the U.S., do one of the following:

• Fill out the Currency Reporting Form (FinCen 105) online
• Fill out and print Form FinCen 105 before you travel and present it to a CBP officer
• Ask a CBP officer for a paper copy and fill it out at customs

If you are an international traveler entering the U.S., you must declare what currency or monetary instruments you have on CBP Form 6059B . This is in addition to declaring it on Form FinCen 105.

Learn more about reporting money when you travel , including how to do it if you are submitting a joint or family declaration. 

What happens if you do not declare that you are carrying more than $10,000?

If you fail to report to CBP that you are bringing more than $10,000 through customs or do so fraudulently, the penalties may include:

• Confiscation of all currency or monetary instruments
• A fine of up to $500,000
• Up to 10 years of imprisonment

LAST UPDATED: August 2, 2024

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The 8 Best Travel Money Belts of 2024, Tested and Reviewed

Our top picks can hold your phone, passport, and more.

Katherine Alex Beaven is a Los Angeles-based travel, food and drink, and culture writer.

In This Article

• Our Top Picks
• Others We Liked

Our Testing Process

• Tips for Buying

Frequently Asked Questions

• Why Trust T+L

Travel + Leisure / Jessica Juliao

Money belts can be a hot topic in the travel community: to wear or not to wear one, that is the question. When it comes down to it, if having your essentials close by and on your person makes you feel more secure, or if you want a hands-free, worry-free way to carry your stuff, we say go for it — with a few caveats. Travel money belts can either be conspicuous or well-hidden. If you’re buying one for security against potential theft, you’ll want to factor in how obvious it is when you access your items. If you’re looking for more convenience, then double down on comfort and zero in on the right capacity for what you plan to carry.

We handpicked 18 travel money belts to put through a series of controlled tests in our lab. We gave a sharp eye to each money belt’s ease of use, comfort, capacity, performance, and quality. We also included a water test to mimic sweat and other water exposure. We’ll continue to test these products for the next six months to see how they stack up over time, but we’ve already got picks for this year’s best travel money belts. Whether you’re looking for a compact one for just the basics, need something while you’re off on an active adventure, or are looking for RFID protection, we’ve got a pick for you.

Best Overall

Raytix rfid money belt.

• Ease of Use 5 /5
• Comfort 5 /5
• Capacity 5 /5
• Performance 5 /5
• Quality 5 /5

It’s comfortable and easy to wear while still fitting all our travel items. 

The sizing is limited compared to other belts on the market. 

This classic-style money belt has a deceptively slim profile with five pockets. A larger main zippered pocket has two interior mesh slip pockets for stashing smaller items like coins, transit tickets, or an earbud case . There’s also a hidden back mesh pocket ideal for paper money, plus a medium front zippered pocket. We found it easy to load up all of the items on our testing list and were happy to see it fits a passport without any struggle with the zipper. The back mesh pocket is breathable and slightly padded and feels comfortable against your skin. 

The money belt has an unusual, round double-release button that seems sturdier than the typical three-prong side release buckle on most others. We didn’t feel the waist strap dig into our sides while wearing and noted the straps are easily adjustable and feel smooth. The waist strap will fit waists between 27-41 inches, and the belt comes in black as well as fun colors like bright pink and green. The slim profile did bulk up once the belt was fully loaded, though, making it easy to spot even under two layers of clothes. Still, this belt felt secure and durable, and it still looks as good as new after six months of using it for long runs.

The Details: Ripstop nylon | 11 x 5.5 x 0.04 inches | 5 pockets | RFID-blocking capabilities

• PHOTO: Travel + Leisure / Jessica Juliao

Most Versatile

Anj money belt.

It’s sweat- and water-resistant, which makes it usable for intense workouts or sightseeing in hot weather.

The largest adjustment will only fit a 41-inch waist at most. 

The ANJ Outdoors Water-resistant Money Belt has a two-layer, single-pocket design that translates to an ultra-thin and lightweight belt. At the same time, the soft lycra material provides a decent stretch that allowed us to fit all of our tester travel items inside, but not much else (and we had to squeeze in our passport). This belt is technically designed for runners, giving the water-resistant material an athleticwear level of comfort which we appreciated. However, during our three-month test, we did feel that this belt gets pretty sweaty in hot weather, so you may want to wear it under quick-dry clothing. However, after six months of use, we noticed that sweat and water don't cling to the material and cause odor. An added feature we didn’t even know we were missing is the built-in headphone jack, though it won’t make a difference for travelers sporting wireless earbuds. The adjustable waist strap has reflective strips and fits sizes 26-41 inches. And, not only did the belt not dig into our skin, it actually also felt stylish and very secure, too. 

The Details: Lycra | 7.5 x 4.5 x 0.04 inches | 1 pocket

Best Anti-theft

Peak gear hidden travel money belt.

• Ease of Use 4.5 /5

It includes theft insurance and lifetime recovery service. 

There are only two basic color options.

This Peak travel money belt comes with built-in RFID protection lining, but what makes it a standout anti-theft wallet for us is that it also comes with $250 worth of theft protection and two recovery decals for lifetime recovery services of lost or stolen items. Recovery services are available via a 24/7 phone line and work by helping to return items to you from anywhere across the globe. We also like that we could access our items without drawing attention to the fact we were wearing a money belt. We tested the “regular” size wallet and loved how it stayed slim, inconspicuous, and comfortable even when loaded with documents, money, and other items from headphones to keys to a cell phone. In fact, when we almost completely filled all five pockets, it still felt light and never dug into our waist even while sitting. The biggest drawback for us is that it only comes in beige and black. 

The Details: Nylon | 5 x 5 x 0.7 inches | 5 pockets | RFID-blocking capabilities

Best Large Capacity

Lanney rfid travel blocking money belt.

Spacious enough to fit passports, large paper bills, and credit cards, this belt can hold all of your valuables in one place.

The included RFID cards aren’t very eco-friendly. 

This money belt has a standard money belt design with five storage areas, including a main compartment with two interior mesh slip pockets, a small zippered front pocket, and the back has a breathable, open mesh-paneled sleeve that works great for stashing paper money. We liked how comfortable the belt was, and that it easily fit all items (with room to spare) and still wasn’t detectable under clothes. The strap fits waists measuring 26-50 inches but could likely stretch to fit larger sizes. During our water bottle sweat test, it provided total protection for the items inside. Also, the wallet belt has three built-in RFID-blocking layers and comes with 10 single RFID-blocking card holders (something we’ve never seen before). But, while it’s available in beige, cream, and black, we’d like to see it available in more colors to switch things up.

The Details: Ripstop nylon | 10 x 5.5 inches | 5 pockets | RFID-blocking capabilities

Best for Active Travelers

Flipbelt classic running belt.

The discreet belt is perfect for storing essentials while hiking, working out, running, or biking.

It’s not adjustable so you'll have to commit to one of seven sizes when shopping. 

This machine washable money belt is made from a light and breathable plush fabric that feels good against the skin and has a stretchy, bounceback capability. We also found it easy to move freely while wearing it without any trouble, making it an easy go-to for active travelers although, in our longterm test, we found ourselves annoyed when getting the belt on as it flips easily. There are four pockets, and we were impressed by how much we fit inside the main storage compartment (stretchy material for the win!). All-in-all, we were pleasantly surprised at how well this performed in our sweat test, the durability and quality of materials, and how well it was concealed under our clothes. This money belt comes in 13 different colors but we do wish one of the pockets had a zipper for that added security. Unfortunately, there’s no way to adjust this band-style belt as there are no clips or buckles so be sure it fits your waist size before purchasing (and it comes in seven sizes from XXS to XXL). After six months of regular use while partaking in rigorous activities, the belt has held up perfectly and hasn't shown any signs of wear and tear.

The Details: Micropoly and lycra | 8.6 x 3.2 x 0.4 inches | 4 pockets

Best Organization

Aikelida rfid blocking travel wallet.

• Capacity 4.5 /5
• Performance 4 /5

There are two separate pockets for separating money from IDs.

The buckle feels flimsy. 

This slim money belt has two main zippered pockets, two stash pockets inside the larger main pocket, and a concealed stretchy mesh pocket at the back. The number of pockets and overall design makes it a cinch to locate items without digging (especially for smaller things like coins or wired earphones). Both zippers glide smoothly and have long, nylon pulls that made it a cinch to find and grip. The exterior fabric is tear- and water-resistant and the sweat-wicking padding on the back made it comfortable to wear as we moved around. The adjustable belt is made from an elastic material that helps to get the perfect fit, though we were left wondering how the rebound stretch would hold up after many wears. The RFID-blocking capabilities are a plus. Like many travel money belts, this one is only available in solid black, making it more difficult to conceal under light clothing.

The Details: Nylon | 11.2 x 5.2 x 0.4 inches | 5 pockets | RFID-blocking capabilities

Easiest to Conceal

Stashbandz unisex travel money belt.

• Ease of Use 4 /5
• Comfort 4.5 /5
• Quality 4.5 /5

With a handy compression band, it's easy to get a snug and discreet fit.

It runs small and cannot be adjusted.

This StashBandz money belt impressed us with its waterproof compression band design, and we liked that it was available in 11 colors. The 360-degree spandex band has no clips or belts and instead fits around your hips and waist (you put it on by pulling it up or down your body). The four pockets are divided through stitched-in seams. For extra security, one has a zippered closure at the top. Accessing the two front pockets is easy enough, but getting to the back requires some flexibility. During our spray bottle “sweat test,” the belt kept items dry and completely dried in about 15 minutes. While we found the spandex to be comfortable against our skin, the belt did ride up when we sat down and even with some arm movements. Since it tends to run small, we recommend sizing up if you’re between sizes, which may also help prevent the belt from rolling up.

The Details: Spandex | 8 x 6 inches | 4 pockets

Most Compact

Molarun travel money belt.

Thinner and smaller compared to other belts we tried, this one is best for a solo traveler or light packer.

The waist strap only extends to 46 inches and may not fit larger waists. 

This smaller, lightweight money belt is a great bargain for travelers looking to carry the basics. The classic money belt look features an open, mesh slip pocket in the back, a small front-zippered pocket, and a main compartment with two open mesh pockets. The back mesh pocket is padded, making for an exceptionally comfortable wear, and we liked how easy it was to access everything we stashed inside. The 26-to-46-inch adjustable strap belt clips around your waist in the back, though the strap is attached to the front pouch toward the top, making the pouch want to flip backward. Despite being compact, it could fit all of our testing items (though it was a tight squeeze). Because it was packed so fully, it was visible through our T-shirt and sweatshirt, so may not be the right pick for someone looking to go incognito.

The Details: Ripstop nylon | 9 x 6 x 0.39 inches | 3 pockets | RFID-blocking capabilities

Other Travel Money Belts We Liked

These travel money belts didn’t make our best-of list but still deserve a shout. Take a peek, they might just be what you’re looking for.

Venture 4TH Travel Money Belt : This is a larger-capacity money belt with plenty of pockets and storage options that made it easy to access our items fairly inconspicuously. The downside is that it made the front pouch obviously bulky and the waist belt dug into our sides and back making for an occasionally uncomfortable fit.

Boxli Travel Hidden Money Belt : We were fans of the overall design of this bag, especially how well it performed in our water testing (everything stayed dry and it dried completely within 15 minutes), but we think the minimalist design worked against the belt and they struggled to feel like they had enough space for everything they needed.

Samsonite RFID Security Waist Belt : This belt had a comfortable fit, held all our items, and was easy to adjust. It also performed well in water testing, but we couldn’t quite get over feeling uneasy about the security of the belt’s thin and somewhat flimsy elastic strap.

We tested 18 travel money belts in our New York City testing lab as well as during travels over a three-month period. Each person was given a set of dummy essential items that most travelers would need or want to fit inside the money belt. This included a passport, credit cards, cash, a cell phone, a set of three keys, and earbuds. We assessed how easy it was to put on, adjust, and wear the belts, as well as how durable the components and materials of each belt appeared. We also noted how visible the belt was under one layer of clothing and then under a sweatshirt, plus how conspicuous it felt to access the items inside. Comfort was tested while standing, sitting, and moving around. Additionally, a water/sweat test was performed on any belts that claimed to be water-repellant, water-resistant, or waterproof where we used a bottle to spray the belt until it was soaked and then checked the effect on the items inside and timed how long it took for the belt to completely dry. 

P.S. — Stay tuned for an even better gauge of how well these travel money belts perform over time, as we will continue to use our top-pick money belts and collect insights for six months following the initial tests.

Watch Us Test the Best Travel Money Belts

Tips for buying a travel money belt, know what size you need.

Make sure you’re buying a travel belt with enough capacity for what you expect to carry in it while also being aware that the more you can fit inside, the bulkier it is likely to become (and therefore possibly harder to conceal under your clothes). When possible opt for the most minimal design for your needs. It’s also important to check the smallest and largest possible circumference of the belt, particularly for anyone with a smaller or larger waist. 

Evaluate different materials

Travel belts are made of different materials that benefit different purposes. If you’re trekking in the rainforest, finding a belt with a solid waterproof or water-resistant shell is essential, but if you’re heading out for a city trip, rip-proof or cut-proof material may take priority to avoid the belt being snatched. Similarly, if you’re planning to do more adventurous activities that require a lot of movement and possibly sweating, a money belt made from breathable, flexible material is probably your best bet. 

Look for added security features

If you’re choosing to wear a money belt as a bag-free option for security purposes, consider buying something with extra security features. Having a RFID-blocking lining in at least one pocket can provide more peace of mind when storing credit cards and IDs. We’re fans of the hidden pocket, though they can sometimes be tough to access in an item such as a money belt. Ripstop material, locking zipper fasteners, and theft insurance and recovery are also great security extras.

Travel belts are one of the safest places to keep your money and important cards and IDs, particularly in destinations known to have problems with pickpocketing. That said, the wrong type of travel belt — aka one that is too obvious under your clothes or makes you look conspicuous when trying to access your items — may call attention to you as a tourist. This is why it is important to buy the best travel belt for your body and needs. It is arguably one of the most important travel accessories you'll want to purchase.

It may be called a travel money belt, but you can usually treat these portable security pouches like a minimalist hip pack, loading in valuables and necessities from keys and cards to earbuds and your phone. If you want to carry your passport or phone, make sure your travel belt is big enough (and you may need to take the cover off either item in some cases). 

No, you must remove the travel belt when you go through security. It will be treated like a hip pack, which cannot be worn into the body scanners. If the belt is small, you may get away with holding it as you walk through. We recommend packing the belt like a wallet in your luggage while going through security and then going to the bathroom to put on the belt after security so you don’t draw attention to the fact you’re wearing this. 

Why Trust Travel + Leisure

Katherine Alex Beaven is a world traveler with over a decade of writing experience, including travel writing. For this piece, Katherine combined research, T+L tester input, and her personal experiences while traveling with money belts for this list. 

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N.Y. Official Charged With Taking Money, Travel and Poultry to Aid China

Linda Sun, who worked for both Gov. Kathy Hochul and Gov. Andrew Cuomo, was accused of using her position to benefit the Chinese government.

New York Official Is Charged as Chinese Agent

Linda sun, a former aide to gov. kathy hochul, was charged with 10 criminal counts that included visa fraud, money laundering and other crimes..

“Linda, what do you have to say to the allegations?” “We have a lot of confidence in our case. A lot of the allegations in this indictment are, frankly, perplexing, overly inflammatory.”

By Hurubie Meko and William K. Rashbaum

In July 2021, six Nanjing-style salted ducks, prepared by a Chinese consulate official’s private chef, were delivered to the parents of an aide to New York’s then-governor, Andrew M. Cuomo. About four months later, another six ducks arrived at their home. Another four months later, there were more salted ducks. Eight months after that: still more salted ducks.

Prosecutors say that the poultry shipments, described in a federal indictment unsealed Tuesday, were just a small part of a yearslong series of payoffs to the aide, Linda Sun , in exchange for actions that benefited the People’s Republic of China and its Communist Party. The 65-page indictment also described travel benefits, event tickets and the promotion of a close friend’s freight business with a headquarters in Queens.

Prosecutors say that Ms. Sun blocked Taiwanese officials from having access to the governor’s office, eliminated references to Taiwan from state communications and quashed meetings between Taiwanese officials and state leaders, including Gov. Kathy Hochul, who succeeded Mr. Cuomo and who promoted Ms. Sun to deputy chief of staff.

She also ensured that state officials did not publicly address the persecution of Uyghurs, a primarily Muslim ethnic group that for more than a thousand years has lived in a region of what is now China, prosecutors said.

Ms. Sun, 40, was charged on Tuesday with 10 criminal counts that included visa fraud, money laundering and other crimes. Her husband, Chris Hu, 41, a businessman, is charged in the indictment with money laundering.

Both pleaded not guilty in federal court, were released on bond and were required to surrender their passports.

Breon Peace, the United States Attorney for the Eastern District of New York, who oversaw the investigation with the F.B.I., said in a statement that Ms. Sun betrayed the public trust.

“While appearing to serve the people of New York as deputy chief of staff within the New York State Executive Chamber, the defendant and her husband actually worked to further the interests of the Chinese government and the CCP,” Mr. Peace said.

Linda Sun’s lawyer, Jarrod Schaeffer, said that Ms. Sun was looking forward to addressing the indictment in court. “Our client is understandably upset that these charges have been brought,” Mr. Schaeffer said.

The accusations, if true, would represent a brazen manipulation of New York State government at the highest level, covering several years of the administrations of Ms. Hochul and Mr. Cuomo, both Democrats.

Avi Small, the press secretary for Ms. Hochul, said that Ms. Sun “was hired by the executive chamber more than a decade ago,” adding that Hochul administration officials “immediately reported her actions to law enforcement and have assisted law enforcement throughout this process.”

He said that the administration “terminated her employment in March 2023 after discovering evidence of misconduct.”

The charges are the latest in the Justice Department’s initiative — driven especially in recent years by the U.S. attorney’s office in Brooklyn — to stop efforts by the Chinese government to wield its influence secretly across the United States.

Last month, Shujun Wang, 75, a Queens man who billed himself as a democracy activist and scholar , was convicted in Brooklyn federal court of acting as a spy for the Chinese Communist Party. Last summer, prosecutors won a case in the same court against three men who stalked a family in New Jersey on behalf of the Chinese government . In another case, two men were accused of running a secret police station for China in a Lower Manhattan building.

The push by prosecutors comes as escalating tensions between the United States and China over wars, trade and technology have damaged their diplomatic relationship. China’s claims over portions of the South China Sea and the island of Taiwan have been bitterly disputed and were at the center of the allegations against Ms. Sun on Tuesday.

A spokesman for the Chinese Embassy, Liu Pengyu, said in a statement that he was not aware of the specific details of the case. He added: “But in recent years, the U.S. government and media have frequently hyped up the so-called ‘Chinese agents’ narratives, many of which have later been proven untrue. China requires its citizens overseas to comply with the laws and regulations of the host country, and we firmly oppose the groundlessly slandering and smearing targeting China.”

Ms. Sun served as a deputy chief of staff to Ms. Hochul after holding a series of state government positions. In those jobs, according to the indictment, she used her sway to steer state officials away from actions that could have implied support for Taiwan. Nationalists established their own government on the island in 1949 after a civil war, and the People’s Republic of China has laid claim to it ever since.

“No meeting please,” she wrote to an Assembly member who had invited the governor to meet with the ambassador of the Taipei Economic and Cultural Office. “Kindly decline. Do not want her to wade into this China/Taiwan sensitivity.”

Prosecutors also accused Ms. Sun of providing unauthorized invitation letters from the governor’s office to make it easier for Chinese government officials to travel to the United States and meet with state officials in New York.

She even arranged, without proper authorization, for Chinese government officials to receive official proclamations, formal framed documents that bear the state seal and the governor’s signature. While these declarations hold little real meaning, some foreign officials hold them in high esteem.

In 2019, Tsai Ing-wen, who was then president of Taiwan, stopped in New York City during a visit to the United States . The Chinese government was opposed to Ms. Tsai’s visit, even asking the United States government not to permit it.

Taiwanese officials invited Ms. Sun and Mr. Cuomo to a banquet, prosecutors said. However, Ms. Sun never forwarded the invitation and instead told the Taiwanese officials that Mr. Cuomo was hosting an activity day for staff members in the Catskills.

“I already blocked it,” Ms. Sun wrote to a Chinese government official, according to the indictment.

On the day of the banquet, Ms. Sun joined leaders of local Chinese associations in a protest in Manhattan against Ms. Tsai, according to prosecutors.

In 2021, federal prosecutors said, Ms. Sun allowed a Chinese government official to “shape the content” of public remarks by Ms. Hochul and ensured that she “did not publicly address the detention of Uyghurs in PRC state-run camps in Xinjiang Province.”

Among the benefits Ms. Sun received, according to the indictment, were the assistance with millions of dollars in transactions for China-based businesses tied to Mr. Hu; travel benefits; tickets to events such as a performance by the Chinese National Traditional Orchestra at Carnegie Hall; the promotion of the Queens freight business; and employment for Ms. Sun’s cousin in China.

Prosecutors say Ms. Sun and Mr. Hu laundered the money they received to buy, among other things, their $3.6 million, five-bedroom home on a cul-de-sac in Manhasset, on the North Shore of Long Island; a $1.9 million condominium in Honolulu; and luxury cars, including a 2024 Ferrari.

Six weeks ago, F.B.I. agents descended on the cul-de-sac in Manhasset and searched the couple’s house in an early-morning raid.

The indictment accuses Ms. Sun of failing to disclose benefits from the Chinese government or the Chinese Communist Party to the government in New York, as she was required to do under law.

Ms. Sun worked in state government for nearly 14 years, holding a variety of positions in the administrations of Mr. Cuomo and Ms. Hochul, according to her LinkedIn profile. She began in the legislative branch, working as chief of staff to an assemblywoman, Grace Meng, who is now a congresswoman.

Robert G. Ortt, the Senate Republican leader, said Tuesday that Ms. Sun’s employment had been “an alarming security failure” and asked for an investigation to establish who should be held accountable.

Richard Azzopardi, a spokesman for Mr. Cuomo, said Ms. Sun had held only minor positions when Mr. Cuomo was governor. “While Ms. Sun was promoted to deputy chief of staff in the subsequent administration, during our time she worked in a handful of agencies and was one of many community liaisons who had little to no interaction with the governor,” he said.

Ms. Sun held jobs focused on business development, Asian American affairs and diversity, equity and inclusion. She left Ms. Hochul’s executive chamber after roughly 15 months, moving on to a position at the New York Department of Labor in November 2022. Five months later, she left to serve as campaign manager for Austin Cheng, a Democrat who unsuccessfully ran for a congressional seat on Long Island.

Even after Ms. Sun was let go by the Labor Department in March 2023, she continued to attend public and professional Asian community events, falsely claiming to be the department’s deputy commissioner, according to the indictment. Ms. Sun apparently stopped doing so after receiving a cease-and-desist letter from the Labor Department that August.

Ms. Sun’s husband, Mr. Hu, operates a liquor store in Flushing, Queens, called Leivine Wine & Spirits. Over the past decade, he has incorporated several other businesses, including a company he created in 2020 during the early days of the pandemic called Medical Supplies USA. He also created two other businesses, Golden Capital Group in 2016 and LCA Holdings in 2023, the nature of which could not be determined.

Outside Brooklyn federal court on Tuesday, lawyers for Ms. Sun and Mr. Hu addressed a pool of reporters, saying that they had confidence in the strength of the defense case.

“A number of the allegations in the indictment are, frankly, inflammatory, perplexing,” said Seth DuCharme, who represents Mr. Hu.

During the hearing, prosecutors described what they said was a complex set of evidence, much of it in Mandarin. Alex Solomon, an assistant U.S. attorney, said the couple “operated a multitude of shell entities,” including “more than 80 different accounts.”

“This is no ordinary financial fraud,” Mr. Solomon said.

Benjamin Oreskes , Jay Root and Olivia Bensimon contributed reporting.

An earlier version of this article misspelled the name of Linda Sun’s lawyer. It is Jarrod Schaeffer, not Jerrod Schaeffer.

An earlier version of this article misstated who was New York governor when salted ducks were delivered to the parents of an aide to the governor. It was Andrew M. Cuomo, not Kathy Hochul; Ms. Hochul became governor the following month.

How we handle corrections

Hurubie Meko is a Times reporter covering the New York Police Department and criminal justice in the New York region. More about Hurubie Meko

William K. Rashbaum is a Times reporter covering municipal and political corruption, the courts and broader law enforcement topics in New York. More about William K. Rashbaum

Politics in the New York Region

State Official Charged: Linda Sun, who worked for both Gov. Kathy Hochul and Gov. Andrew Cuomo , was accused of using her position to benefit the Chinese government.

Long Island House Race: Kamala Harris’s candidacy is boosting the slim chances of John Avlon, a Democrat and former CNN commentator who is running against Nick Lalota , a Republican who has held the seat since 2022.

  George Santos Pleads Guilty: The disgraced former Republican congressman pleaded guilty to wire fraud and aggravated identity theft . While his plea will allow him to avoid a trial, it all but ensures he will face prison time.

N.Y.C. Mayoral Race: The Israel-Hamas war has divided Democrats across the nation, particularly in New York City. Now the fissures threaten to roil next year’s Democratic primary for mayor .

Nassau County Mask Ban: The Republican-controlled Legislature in Nassau County passed a law that would ban masks in public , with exceptions for health and religious reasons.