- April 25, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Overthinking Travel Money Options for Germany
I’m Seeking Clarity on the Best Approach for Handling Finances while Travelling to Germany
I’ve tried doing research for this, but I’m getting more confused as I read more. I’m travelling to Germany later this month. I’ve read that Germany is primarily cash-based (beyond large stores, which are more willing to accept a card), so I will need to withdraw money. I’m there for three days, but really don’t know how much I would need for that time (I can estimate…but don’t want to end up with way too much or too little). I’ve descended deeply into overthinking, and appreciate anyone who can spell this out to me like I’m an absolute numpty.
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I have seen some recommendations to 1) exchange before I go, 2) to exchange at the Berlin airport using an ATM, or 3) to withdraw some each day I’m in Berlin (once I see how much I actually spend).
I have a Westpac travel money card, a 28 degrees card, and an ING everyday card. I don’t necessarily want to take all three. I’ll have to take the one I booked my hotel and flights through, I’m assuming.
ING says
– $5 per transaction (plus a 3% fee)
– $0 ING international transaction fees on online and overseas purchases
Westpac says
– Avoid ATM withdrawal fees: Through our Global ATM Alliance and overseas partner ATMs which you can easily find using the ATM locator in the Westpac App (In Germany: Deutsche Bank, Postbank)
– No foreign transaction fees: Avoid a 3% foreign transaction fee whenever you use your Worldwide Wallet to shop online or in person.
28 Degrees says
– No overseas fees on purchases when travelling
– $0 international transaction fees on purchases
– $0 currency conversion fees on purchases
– Withdrawing cash from an ATM overseas is treated as a cash advance. The fee charged is 3.5% of the cash advance or $4 AUD (whichever is greater).
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Would I be correct that it would be best to load my Westpac travel wallet, find the locations of Deutsche Bank and Postbank ATMs, and withdraw what I need each day? If so, are there things I should look out for when I’m doing this?
Should I potentially take the 28 Degrees for the in-store purchases, considering that it doesn’t have transaction fees or currency conversion fees?
Note: I have looked at these, but it seems I need personal hand-holding for this, because it’s hard to stop the overthinking that I’m overlooking something:
– https://www.reddit.com/r/AusFinance/comments/101dkiu/best_way_to_exchange_money_in_australia_before/
– https://www.reddit.com/r/AusFinance/comments/127a5w5/currency_tips_for_travelling/
– https://www.reddit.com/r/travel/comments/10d1112/whats_the_bestcheapest_way_to_exchange_money/ (I’m not sure what this means by “If you need to get money out of ATM’s or paying with card asks if you wanna pay with euros or your home currency, always decline the currency conversion and pay with local currency. This means that your bank or credit card company handlea the conversion with cheaper price to you”.)
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****** just grabbed a
You are overthinking this for a 3 day trip.
Bring 2 cards with you (store in different places for safety)
Exchange AUD to EUR before you leave from a currency exchange (not a bank or the airport) $50EUR will be enough for incidentals when they dont take card, majority of places take card in Germany however.
You are looking for a card that utilizes mastercard/visa exchange rates and no ATM fees.
People recommend UP , but ING should work fine.
Exchanging before you go is a good option since its just 3 day trip you wouldnt be losing too much money on the fees.
Whenever i travel to any country i use my “Wise” account (Formerly Transferwise), The App, Exchange Rates, Temporary Cards are all great in it. You can even keep money in AUD and instantly convert as and when you need it to Euro or any other currency. The rates have been pretty good so far for me.
CBA rips you off. Euros are easy to get around the city, and I’m sure easy to exchange overseas. Other currencies are a bit more of a pain to get a hold of.
Also our airports offer like the worst exchange rates in the world I swear.
When you land, pull a little bit of cash from an ATM with the ING card and eat the fee. The only place you will need to use this is the occasional restaurant or take-away food place, maybe street markets. Put everything else on the ING card and enjoy the low commission exchange rate and no fee.
> “If you need to get money out of ATM’s or paying with card asks if you wanna pay with euros or your home currency, always decline the currency conversion and pay with local currency
When you put your card in a machine (ATM or PoS) and it detects that it’s Australian, it might ask if you want to pay in Australian Dollars or Euro. This is a scam. Always choose Euro. ING will give you a much better exchange rate than the machine.
Deutsche Bank is one of Germany’s biggest banks. There will be Deutsche Bank ATMs everywhere. Just exercise the normal precautions that you do in Australia about using an ATM.