I would recommend having a few Euro coins & bills for tipping e.g. luggage handlers, leaving a small tip on the table at a restaurant (tips cannot be charged because they’re already in the cost of the meal), etc.
Discover has no foreign transaction fees but is not as widely accepted as Visa or MasterCard. I’m glad that I have that one and now got a United Explorer Visa card that I’ll be using mostly while abroad as I barely ever use cash. Thanks for the tips!
Amazing thanks a lot for thr info guys. Im at spain 🇪🇸 at the moment, for one more week, i got my capital one quicksilver no foreing transaccion fee ... and it has worked as you said. I will continue paying in euro currency when asked. Blessings.
My Charles Schwab bank account I use exclusively for international trips. Do you get charge fees. Yes. Do you get those fees refunded. Yes. Do you need to worry about any of the drama related to credit cards. Not at all. The biggest problem is how few credit card companies don't charge foreign transaction fees yet they have a points system that has some cards in and some don't. The If you want to streamline your credit cards within one system than get Capitol One as they have the most no foreign transaction fee cards. The problem with Capitol One is they have arguably the worst overall card system as a whole atm but with cards like the venture x this could change.
Charles Schwab is great for ATMs with the fee reimbursement! But if you want to go cashless having a major credit card with no foreign transaction fees does work best!
I heard someone else say a similar statement on another video. Would you mind being more specific on what you are referring to. I am marrying an Irish girl and I am days from getting my Mexican residency so I am interested in what other options are available beyond my American borders.
I agree. I was surprised to hear that US supermarkets only really started accepting credit cards in the 1990s and that some fast food restaurants only started taking them as late as the 2000s.
Great video, thank you. Can you make a video on the actual currency? Like what does it look like, how much is it worth in both US dollars and internationally. TIA Keep up the good work!
Is this a real thing in the US? No pins on cards? I'm sure all credit cards have pins, it's just that most POS don't ask for one. I'm sure if you call up your bank and ask for the pin they can give you one.
@@realfranthemanMate they only started introducing chip cards in like 2014 and even now a lot of them don't have them. The US was also one of the last countries to adopt contactless payments.
In Germany usually ticket vending machines require a PIN. Don't know what happens with cards not having a PIN at all as German cards always have a PIN you get and I have no foreign one to test. You can also try contactless with a phone. With Google Pay and having a fingerprint set it will never ask for a PIN. Apple pay should be the same. Buying at a ticket vending booth should be possible with signature,. Or, for some destinations, you can buy tickets valid for a few days via the internet in advance and print them yourself. Or just use an app on your phone for buying tickets. That might also be an alternative.
@@jimmyandbabstravelsAs I understand it this require the card to be setup to do transaction without signature or PIN and the terminal to accept the payment. This might have a limit to the amount you can pay this way.
As long as it has a chip you'll be fine. If you have a contactless card even better. Use the contactless, it will save you a lot of time. Just understand in Europe, the UK etc that signing is almost never done so if you need to sign a receipt they'll almost certainly check your card is signed and for ID. Most people working in retail or tourist industries might not even remember a time before chip and pin and contactless cards so it helps to avoid delays and confusion haha.
I went to the UK some years ago and made a purchase in a souvenir shop and when paying with my US issued credit card (a chip and signature card) the clerk behind the counter had to hunt thorough her drawers to find a pen for me to sign the receipt.
@@jimmyandbabstravels They'll usually present you with a wireless payment terminal. In a restaurant, they can bring the wireless terminal to your table. You should have no issue keeping custody of your card.
Well, the downside to cash is that you have to pay a fee to convert your currency to euros, and you also don’t get any rewards or bonuses possibly associated with a credit card. 🤷🏻♂️
Contactless has been around in the UK for more than a decade now as is the case in most European countries. Chip and Pin cards have been the norm for far longer than that. A chip and pin card is always going to have contactless. So if you have contactless you're fine. But just understand there's no such thing as a non-chip card in most European countries unless you go back in time 20 years.
Credit cards in America typically come with a value added benefit like points or cash back, racking up benefits like points/cash back can be better than straight cash/debit
Actually the euro is worth more than the dollar these days. You will save money with the conversion because cards generally offer better conversion rates than you would get if you used an exchange center or withdrew money from an atm. Just make sure your card doesn’t charge foreign transaction fees 😱
Your right I wanted to buy something for 3936 euro and I would need 4300 American dollars. I get so confused because the euro today is .91 on 1.09 USA to Euro. So I am better off buying it with my euros here in Ireland is that correct? THANKS
If you pay with your card you might be offered to pay in EUR or USD. This is called DCC. Conversion rates are seemingly bad if you do not pay in the local currency.
To the original question: The prices in EUR will of course be converted with the current exchange rate to USD. And if you do so expect to pay a surcharge for the "service". So no, you won't save money by paying in USD.
An Credit use more fees then a debit card. And in The Netherlands creditcards are useless because in supermarkets they don’t accept creditcards, only a really small supermarket. Mastercard and Visa are best. Amex in Europe is not recommended, no benefits.
@@devilangel4655It's always fascinating to me how much Americans use credit cards. I always just assumed they called debit cards credit cards as well.
I would recommend having a few Euro coins & bills for tipping e.g. luggage handlers, leaving a small tip on the table at a restaurant (tips cannot be charged because they’re already in the cost of the meal), etc.
Depends on the country. Tipping in that manner is pretty unnecessary in a lot of Europe. Outside of sit down restaurants.
Great video. Thank you for the info!
You two have great chemistry!
Thanks so much Sam! We appreciate you tuning in! Cheers!
Thank you for these useful tips!
Glad you like them! Happy Travels Pei!
Discover has no foreign transaction fees but is not as widely accepted as Visa or MasterCard. I’m glad that I have that one and now got a United Explorer Visa card that I’ll be using mostly while abroad as I barely ever use cash. Thanks for the tips!
Damn. I have discover credit card. In which countries are not accepted?
It all depends on the merchant accepting it
Amazing thanks a lot for thr info guys. Im at spain 🇪🇸 at the moment, for one more week, i got my capital one quicksilver no foreing transaccion fee ... and it has worked as you said. I will continue paying in euro currency when asked.
Blessings.
Love to hear it! Happy Travels!
The card fees in Europe are non-existent. That's why there is no incentive for merchants to accept cash over cards
The exchange rates and fees are high when you use your credit card. Most charge them.
You'll want a credit card that doesn't have foreign transaction fees and always pay in local currency ie Euros when in Italy
My Charles Schwab bank account I use exclusively for international trips.
Do you get charge fees. Yes.
Do you get those fees refunded. Yes.
Do you need to worry about any of the drama related to credit cards. Not at all.
The biggest problem is how few credit card companies don't charge foreign transaction fees yet they have a points system that has some cards in and some don't.
The If you want to streamline your credit cards within one system than get Capitol One as they have the most no foreign transaction fee cards.
The problem with Capitol One is they have arguably the worst overall card system as a whole atm but with cards like the venture x this could change.
Charles Schwab is great for ATMs with the fee reimbursement! But if you want to go cashless having a major credit card with no foreign transaction fees does work best!
Are debit cards included in this thing we don’t need to worry about?
@@wildamerican2771 In what way do you mean worry about. This post was a while ago so please refresh my memory. 😎
you're talking about a debit card which is really stupid to use during travel
Why do you think that? @@lexbraxman9270
Amazing video!
As an Englishman, it's amazing that this is unusual to Americans.
I mean this is decades old over here.
How can America be so far behind on this?
We had Trump as president. It’s hard to say anything is that surprising anymore haha
credit card leaves a trail, and they dont always pay the full amount, stores raise prices because of credit cards
I heard someone else say a similar statement on another video.
Would you mind being more specific on what you are referring to.
I am marrying an Irish girl and I am days from getting my Mexican residency so I am interested in what other options are available beyond my American borders.
Simple no BS explanation thanks
I agree. I was surprised to hear that US supermarkets only really started accepting credit cards in the 1990s and that some fast food restaurants only started taking them as late as the 2000s.
Great video, thank you. Can you make a video on the actual currency? Like what does it look like, how much is it worth in both US dollars and internationally. TIA Keep up the good work!
Thanks for watching! We aren't financial experts and currency values change daily we just provide tips :)
Thanks for the tips. Would a metro vending machine ask for a PIN and if so, how to use a US credit card that does not come with a pin? Thanks again.
No, it can typically recognize a credit card vs debit card so no pin needed
Is this a real thing in the US? No pins on cards? I'm sure all credit cards have pins, it's just that most POS don't ask for one. I'm sure if you call up your bank and ask for the pin they can give you one.
@@realfranthemanMate they only started introducing chip cards in like 2014 and even now a lot of them don't have them. The US was also one of the last countries to adopt contactless payments.
In Germany usually ticket vending machines require a PIN. Don't know what happens with cards not having a PIN at all as German cards always have a PIN you get and I have no foreign one to test.
You can also try contactless with a phone. With Google Pay and having a fingerprint set it will never ask for a PIN. Apple pay should be the same.
Buying at a ticket vending booth should be possible with signature,. Or, for some destinations, you can buy tickets valid for a few days via the internet in advance and print them yourself.
Or just use an app on your phone for buying tickets. That might also be an alternative.
@@jimmyandbabstravelsAs I understand it this require the card to be setup to do transaction without signature or PIN and the terminal to accept the payment. This might have a limit to the amount you can pay this way.
Great videos thanks
Thanks for watching Anderson!
Do we need to set up a PIN? I have heard that European credit cards all use pins.
European cards may use pins but US cards with chips work as a standard credit card
As long as it has a chip you'll be fine. If you have a contactless card even better. Use the contactless, it will save you a lot of time. Just understand in Europe, the UK etc that signing is almost never done so if you need to sign a receipt they'll almost certainly check your card is signed and for ID. Most people working in retail or tourist industries might not even remember a time before chip and pin and contactless cards so it helps to avoid delays and confusion haha.
I went to the UK some years ago and made a purchase in a souvenir shop and when paying with my US issued credit card (a chip and signature card) the clerk behind the counter had to hunt thorough her drawers to find a pen for me to sign the receipt.
APPLE CARD has no international transaction fees, i love my apple card
Thanks for letting us know!
Don't ever hand your card to the merchant. Swipe it, tap it, insert it yourself!
Usually they bring the credit card machine to you in Europe
@@jimmyandbabstravels They'll usually present you with a wireless payment terminal. In a restaurant, they can bring the wireless terminal to your table. You should have no issue keeping custody of your card.
Would you recommend using an atm in foreign country airport to withdraw cash for minor expenses?
You typically get the best rates from atms, make sure you have a bank that doesn’t charge you additional fees
Is the Discover Card accepted in Ireland and Northern Ireland?
This will vary by merchant, we’ve seen it start to be more accepted but Visa/MasterCard seem the most widely accepted. Discover and AmEx vary
So with those caveats, cash is still better.
Well, the downside to cash is that you have to pay a fee to convert your currency to euros, and you also don’t get any rewards or bonuses possibly associated with a credit card. 🤷🏻♂️
So if you travel to the France from the US and I use chase credit card should I pay or euros or usd?
Always pay in local currency, so euros when in France ☺️
How will we know if there are foreign exchange fees? Do I have to call the visa company?
Check your cardholder agreement or reach out directly to your credit card company
There are usually fees, but you're going to pay currency conversion fees no matter how you pay.
Great video. I have heard Paris merchants ask for chip and pin credit card? Is that true? Can I not just use my contact less US credit card?
You can definitely tap! I think euro is more ahead of the tapping game than the US.
Contactless has been around in the UK for more than a decade now as is the case in most European countries. Chip and Pin cards have been the norm for far longer than that. A chip and pin card is always going to have contactless. So if you have contactless you're fine. But just understand there's no such thing as a non-chip card in most European countries unless you go back in time 20 years.
@@jimmyandbabstravelsThat's the understatement of the century, contactless payments have been common for over a decade by now.
Does this include Debit cards too?
This is primarily focused on Credit Cards, you’ll want to check with your bank around use of debit in foreign countries
I"m trying to find a card that i can travel to finland which one should i use i need help.
In our experience, your safest bet is any Visa card that doesn’t have any foreign transaction fees. Cheers and happy travels!!
@@jimmyandbabstravels thank you that's all i need to hear.
@@jimmyandbabstravels debit or credit?
We use Credit :)
What about debit cards.....arent they cheaper to use. Thx
Why would they be cheaper?
Credit cards in America typically come with a value added benefit like points or cash back, racking up benefits like points/cash back can be better than straight cash/debit
Can you use pre-paids in Poland?
We are unsure as we haven't been to Poland or used pre-paid cards
Revolut it is ok?
We aren't familiar with Revolut so we can't comment on it.
Do rome and italy also has easy acceses like in France?
Yes, we didn't have issues in Italy. In the markets you'll want cash though
If i use my usa debit card in Ireland will i save money ?The dollar is worth more
Actually the euro is worth more than the dollar these days. You will save money with the conversion because cards generally offer better conversion rates than you would get if you used an exchange center or withdrew money from an atm. Just make sure your card doesn’t charge foreign transaction fees 😱
@jimmyandbabstravels thanks Jimmy I have to disagree the dollar is worth more than the euro right now. The euro is .91 on the dollar
Your right I wanted to buy something for 3936 euro and I would need 4300 American dollars. I get so confused because the euro today is .91 on 1.09 USA to Euro. So I am better off buying it with my euros here in Ireland is that correct? THANKS
If you pay with your card you might be offered to pay in EUR or USD. This is called DCC. Conversion rates are seemingly bad if you do not pay in the local currency.
To the original question: The prices in EUR will of course be converted with the current exchange rate to USD. And if you do so expect to pay a surcharge for the "service". So no, you won't save money by paying in USD.
What about debit cards?
Most debit cards have foreign transaction fees.
An Credit use more fees then a debit card. And in The Netherlands creditcards are useless because in supermarkets they don’t accept creditcards, only a really small supermarket.
Mastercard and Visa are best.
Amex in Europe is not recommended, no benefits.
@@devilangel4655It's always fascinating to me how much Americans use credit cards. I always just assumed they called debit cards credit cards as well.
He looks at her every second.weird man
But look at her 😍
Clearly he finds her magnetic! Only weird if she has a problem with it.
I thought it was really sweet! Means he’s paying attention and attentive ❤
What a weird thing to comment. Let them live.
@@jimmyandbabstravelsright 👍
Stop looking at her so much lol. Look at the camera.
I've said it before and I'll say it again...But look at her 😍
does banks charge you extra for using card?
You’ll want to ensure your card has no foreign transaction fees, most promoted travel credit cards won’t have foreign transaction fees