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Euros 610Always Pay in Local Currency
I just returned from Ireland and while I was in the Dublin airport buying some Lily O’Brien’s chocolates, the sales clerk asked me if I wanted to pay in U.S. dollars or Euros. U.S. dollars would seem to be the more convenient option, but in reality it’s not. In fact, it’s a total rip-off, since the stores that do this charge a higher exchange fee than your bank back home does. So when possible, remember to always pay in the local currency of the country you’re in—or just get one of these credit cards that don’t have foreign transaction fees.

FYI: The Dublin airport isn’t the only place to do this. Harrod’s, the popular department store in London, does it too, as do many others, so always be on guard.



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5 Comments On "Travel Tip of the Day: Always Pay in Local Currency"
  1. Laura T.|

    Absolutely! Excellent tip. I always make sure to pay in local currency. This is called Dynamic Currency Conversion and it’s basically a money-making scheme for merchants dosguised as an excuse for them to shift processing fees to the consumer. Also, it’s a fee that the customer many never see, so say NO to this.

  2. Nancy Reid|

    Totally agree with you. That’s why we always exchange money before leaving the States.

  3. Giovanna|

    I am wondering if one’s credit is dinged if we apply for the card, get the mileage, and then cancel after the year is up? It can get expensive to have a pile of travel credit cards in your pocket with all the annual fees. I already have the AMEX Platinum with their hefty fee. Any advice on this? Thank you!

    1. Johnny Jet
      Johnny Jet|

      Yes, your credit will be dinged slightly, but if you pay on time and keep your payments up to date you’ll be fine and can apply for cards almost every other months (people do it every month, I only do it once or twice a year), but my conservative advice is to save it up and do 3-4 cards all on one day since that will only take one ding to your credit…

      1. Giovanna|

        Great advice. Thank you so very much!

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