Using a Credit card Internationally | Finder Canada (2024)

Can you use your credit card in another country? Our guide to using a credit card internationally below highlights tips to help you use your card safely and outlines the credit card fees you could encounter. We’ve also included country-specific credit card details for over 30 countries around the world. So no matter where your travels take you, you can enjoy yourself without worrying about how to use your credit card safely and cost-effectively.

Can I use my credit card overseas?

Yes, most countries in the world accept credit cards, at least in major cities. The most widely accepted credit card brands internationally are Visa and Mastercard. Other card brands, like American Express, are generally less accepted by merchants around the world. That’s why it’s always a good idea to carry at least two different credit card brands with you at all times when travelling overseas. It also doesn’t hurt to have a back-up card in the event one of your cards fails to process or gets compromised.

5 tips when using your credit card internationally

Before going overseas, take a few simple steps to ensure that you can use your credit card with no problems.

1. Get a credit card with no foreign transaction fees

Most credit cards on the market will charge you a foreign transaction fee every time you pay for something internationally using your card, which is typically 2.5% of the purchase cost. If you plan to use your credit card for most purchases while overseas, consider getting a credit card with no foreign transaction fees. Foreign transaction fees can add up quickly while you’re on vacation, but they’re easy to avoid if you pick the right card.

2. Consider getting a Visa or Mastercard

While you may be able to use American Express credit cards at some locations, you’ll find that many merchants won’t accept them. One reason for that is that American Express charges merchants a relatively higher fee than its competitors, so merchants have to pay more our of their pocket to accept Amex cards at their store. That being said, with Amex’s increased popularity around the world, it’s becoming more widely accepted. But since there are still many places in other countries that don’t currently accept Amex cards, you should make sure to carry a Visa or Mastercard credit card with you when travelling as well, just to make sure you’re never stuck if a retailer doesn’t accept your usual Amex card.

3. Give your card provider a heads-up

If your credit card provider notices a foreign transaction on your card, they may put a hold on your account for suspicious activity. To avoid this, give your provider a quick call letting them know where and when you’ll be travelling. That being said, many Canadian financial institutions have developed technology to automatically detect when you’re using your credit card internationally, so you no longer are required to let them know ahead of time. Just to be on the safe side though, it’s still a good idea to give them a call before heading out.

4. Keep emergency numbers handy

If your credit card ends up lost or stolen, you’ll need the right number to call to freeze the card and to get a replacement. Make sure the number is local to your destination or toll free and keep it on you at all times. You can just copy the contact number from the back of your credit card or call your card issuer ahead of time to get the right contact number. Keep it separate from your wallet in case your wallet gets stolen.

5. Know where you’ll get cash once you arrive

Even if you have a credit card, it’s smart to have cash on hand. To save you time and money, plan out beforehand where you’ll be able to safely and easily get your cash from. Use your debit card to withdraw money from an ATM if possible. Although you’ll likely incur an ATM fee each time you withdraw cash, you can avoid the excruciatingly high interest rates that come with getting cash through a cash advance from a credit card.

Compare no foreign transaction fee credit cards to use overseas

The benefits of using a credit card overseas

There can be big advantages to using your credit card while travelling. Some of the benefits include:

• Carrying less cash. You can avoid carrying lots of cash on you, which can be dangerous. In fact, using a credit card when travelling internationally can be a safer than carrying large amounts of cash.
• Protection. You’ll be covered against fraudulent transactions.
• Currency conversions. You don’t have to worry about converting your currency yourself – your card will do it for you.
• Exchange rates. Your credit card provider will likely give you a better exchange rate than you’ll get from converting cash.
• Customer service. Should you have any issues, your provider is just a phone call away.

5 fees when using a credit card internationally

1. Foreign transaction fees. When you use your credit card overseas, you’ll be charged a foreign transaction fee. This is usually 2.5% to 3% of the cost of your transaction and will automatically be added. To avoid this fee, consider using a credit card that charges no foreign transaction fees.
2. Currency conversion fees. If a merchant offers to charge your card in Canadian dollars, politely decline – always choose the local currency. If you end up paying for a purchase in Canadian dollars, the transaction will be subject to what is known as a dynamic currency conversion (DCC). You will likely face a currency conversion fee and a less competitive exchange rate.
3. Cash advance fees. If you withdraw cash using your credit card, you’ll face a cash advance fee. In addition to the fee, you’ll also likely start paying interest from the day you withdraw the cash. There is usually no interest-free grace period with a cash advance transaction.
4. ATM fees. Even when you use your debit card at an ATM overseas, you’ll likely incur an ATM fee, usually around $5. If you’re looking to avoid ATM fees altogether, look for a bank that belongs to an international ATM alliance such as Scotiabank. Through this alliance, you can use your debit card at specific brands of ATMs free of charge.
5. Hidden retailer fees. Some merchants add up to 10% commission when you pay with a credit card. Before you pay with credit, ask if there are any additional charges. Roughly calculate the exchange rate so you’ll have an idea of how much the charge will be once you check your credit card statement. You can avoid this fee by using another payment method, like cash, or heading to a different merchant.

How to keep your cards safe while travelling overseas

Depending on where you’re travelling, you’ll need to be extra careful when using your credit or debit card. Follow these tips to help keep your finances safe:

• Keep your PIN protected. When you enter your PIN, use the other hand to shield the screen from prying eyes and concealed cameras. In addition, avoid letting your credit card leave your sight when at restaurants and shops.
• Select ATMs carefully. Stick to using ATMs found in banks, hotels and shopping complexes. Avoid ATMs in deserted or dark areas.
• Watch out for card skimmers. Instances of credit card skimming are common in some countries, so exercise caution when using ATMs. If you feel the card slot or the keypad is faulty or sticky, cancel your transaction and look for another ATM.
• Keep your card physically safe. In places where crime levels are high, you could come across instances of pickpocketing, bag snatching and violence. Tourists are often the target of these crimes, even during the daytime. Remain extra vigilant if you’re in a remote area, especially after dark. Don’t leave your wallet, bag or any other possession unattended in a restaurant or a bar.

What credit cards can I use in Cuba?

Visa and Mastercard credit cards are accepted in Cuba. Cash is much more commonly used in Cuba than cards. Not all merchants accept card payments, and the country’s internet connectivity is, on the whole, not very strong.

Due to frequently-strained relations between the Cuban and US governments, it’s impossible to use a US-issued credit card in Cuba. By the same reasoning, American Express cards are also not accepted in Cuba.

FAQs about using a credit card in Cuba

• Card payments will most likely be accepted at major retailers and tourism-based businesses like major hotels, resorts, large stores, restaurants, car rental kiosks and tour agencies. But you should have some cash on hand if you plan to spend time at smaller hotels, B&Bs, shops, cafes or markets.

• • Natbank (US subsidiary of the National Bank of Canada). Natbank caters to “Canadian snowbirds” wintering in Florida. It offers 3 types of Mastercards that can be used in Cuba. Visit a National Bank of Canada branch to find out about opening a Natbank account.
  • Popular Bank (for US residents). Popular Bank’s Mastercard debit and credit cards are authorized for use in Cuba by the Office of Foreign Assets Control (OFAC) of the United States Department of the Treasury and by the Central Bank of the Republic of Cuba.
  • Banco Popular de Puerto Rico (for Puerto Rico residents). Popular Bank’s subsidiary in Puerto Rico can also issue Mastercards that are authorized for use in Cuba.

• You should be able to withdraw cash from a non-US debit or credit card at an ATM, bank or Foreign Exchange Office (known as a Cadeca) in Cuba, but be wary of incredibly high fees.

  Note that credit card issuers will view this as a cash advance, which typically comes with a higher interest rate than you normally pay on your purchases. Additionally, there isn’t usually a grace period on cash advances, which means interest starts accruing the moment funds are withdrawn.

  If you withdraw funds in local currency, you’ll likely be hit with a foreign transaction fee—often around 2.5%. You can save money by looking for credit cards that offer perks for travellers like no foreign transaction fees, complimentary travel insurance and rewards that can be redeemed for discounted flights.

• Using your credit card in Cuba is safe, although you should still follow these tips to safeguard your money:

  • Safeguard your PIN. When entering your PIN, use one hand to shield the keypad for protection against hidden cameras and prying eyes.
  • Choose ATMs with care. Choose ATMs that are located inside banks, shopping malls or in popular and safe areas.
  • Watch out for skimmers. If you think there’s a problem with an ATM slot or its keypad, don’t use it. Someone might have installed a credit card skimmer.
  • Beware of pickpockets. Old Havana and the public transportation system is infamous for pickpockets and bag-snatchers. Also be wary when visiting nightclubs and tourist attractions. Beware of misdirection schemes, which is where one person distracts you while another takes your wallet, bag or purse.

  If your credit card has been stolen, call your card issuer and have the card frozen, so it can no longer be used.

• Currently, Cuba has one national currency: the Cuban Peso (CUP). Previously, there were 2 cash currencies in circulation: the Cuban peso (CUP) and the Cuban convertible peso (CUC).

  The CUC was introduced after the CUP as a stronger, alternative currency and was pegged to the US dollar (1:1). However, by June 2021, the government had phased out the CUC and introduced a new, unified CUP. Beware of scammers who try to swap out CUC with CUP when converting funds for unsuspecting tourists.

  $1 US dollar is worth 24 CUP, and 1 CUP is worth 100 centavos (Cuban pennies). CUP coins come in denominations of 1, 2, 5, 20, 40, $1 and $3. CUP paper money comes in denominations of $1, $3, $5, $10, $20, $50 and $100.

• Given the political climate, Cuba does not welcome currencies from everywhere. The most welcomed currencies in Cuba are the Canadian dollar (CAD), British pound sterling (GBP) and euro (EUR).

  Up until recently, the Cuban government hit US dollar transactions with a sizeable tax. In 2020, the tax was removed in light of shifting trade relations with the US and the devastating effect that COVID-19 had on the Cuban economy.

• It’s very difficult to send money to Cuba due to Cuba’s strained political relationships with other countries. Money transfer options may include sending a bank wire transfer, using a private money transfer service or sending a cheque in the mail. Learn more in our guide on sending money to Cuba.

• Internet connectivity in Cuba is usually poor, and payment technology is outdated in many parts of the country. Because of this, many merchants are not equipped to process credit card transactions. That’s why cash is the primary payment method used in Cuba.

  Are debit cards accepted in Cuba?

  Non-US debit cards can be used in Cuba. But be aware that debit isn’t a widely used payment method, so don’t rely solely on this form of payment. Cash is king, so it’s wise to carry some cash with you at all times (but not too much in case you become a victim of theft).

• Non-US debit cards can be used in Cuba. But be aware that debit isn’t a widely used payment method, so don’t rely solely on this form of payment. Cash is king, so it’s wise to carry some cash with you at all times (but not too much in case you become a victim of theft).

What credit cards can I use in Europe?

Canadian Visa and Mastercard credit cards are widely accepted abroad. Check with your bank before travelling to Europe to confirm whether or not you’ll be able to use your credit card during your trip.

FAQs about using a credit card in Europe

• Cash is still king in many European countries. While credit cards are widely accepted in some nations, their acceptance definitely does not compare to our constant use and reliance on them in Canada. Depending on where you’re going around Europe, it’s best to travel with both credit cards and cash.

• Credit card acceptance isn’t uniform throughout Europe. In some countries, you can use credit cards pretty much wherever you go, while in others you’ll have to get by mainly on cash.

  • In such European countries as the Netherlands, Sweden and Denmark, cashless transactions rule. Some retailers may not accept cash, even if you want to use it.
  • Other countries — Germany and Italy, for example — heavily rely on cash, so you should make it a point to carry some at all times.

  For Europe in general, you’ll typically rely on cash for everyday spending at markets, on public transportation and at small cafes and restaurants. Be sure to carry enough cash to get you through each day — but don’t be afraid to use your credit card whenever you can.

• You’ll definitely need cash in Europe. Unfortunately, it can be very expensive to get cash using your credit card. That’s because your card provider will charge you a cash advance fee as well as a higher interest rate for cash advances. The interest rate is usually charged from the day you withdraw the funds — unlike a purchase interest rate, the cash advance interest rate offers no grace period.

  Of course, credit card ATM withdrawals may also be subject to foreign transaction fees. The implication is clear: don’t use your credit card at ATMs.

  Instead, always try to use a no-fee debit card. While most overseas ATMs will charge a fee to withdraw cash using your debit card, it is possible to find a debit card provider that belongs to an international alliance of ATMs. These alliances, such as the Global ATM Alliance Scotiabank is a member of, allow you to use specific brands of ATMs around the world for no fee.

• We use banks to take care of all our other financial needs, so surely we should use them when sending an international money transfer, right? Not necessarily. While major Canadian banks offer money transfer services to Japan, they typically charge high transfer fees and provide less competitive interest rates. Learn how to send money to Japan the smart way.

What credit cards can I use in Mexico?

Visa and Mastercard are the most widely accepted credit cards in Mexico. American Express cards are widely accepted in some parts of Mexico – but not as much as Visa or Mastercard. If you want to use your Amex card in Mexico, it’s best to also travel with a Visa or Mastercard in case your Amex is not accepted.

FAQs about using a credit card in Mexico

• Credit cards are accepted at most hotels, restaurants and shops in tourist areas and big cities. However, there are still many towns and villages that operate on a cash-only basis. While you can anticipate using your credit card frequently, you should always carry some cash wherever you go as many small merchants won’t take cards.

• Avoid using your credit card to take out cash since you will be charged a withdrawal fee and interest on the total amount you withdraw. Unlike purchasing an item on your credit card, cash advance interest is charged from the day you withdraw the cash — there is no grace period. Only use your credit card to withdraw cash in an emergency situation.

  It’s easy to get cash in Mexico as ATMs are widespread. Still, consider getting cash only from ATMs at bank branches, where you’re less likely to become a victim of fraud. Using your debit card to withdraw cash will help you avoid the cash advance interest rate that comes with a credit card, but you may still incur an ATM fee. To avoid the ATM fee, consider getting a debit card from a bank that has a widespread network of global ATMs. A global alliance of ATMs allows you to withdraw money from specific ATMs without incurring a fee.

  Many merchants will also accept US dollars, especially if you’re in big tourist cities like Cabo San Lucas or Cancun, but the local merchants are likely to give you poor exchange rates — so it’s best to avoid paying with USD unless necessary.

• It’s generally safe to use a credit card in Mexico. However, you should always try to:

  • Use an ATM inside a bank. If for some reason your card gets stuck in the ATM, you can quickly get it back. Also, it’s less likely that an ATM in a bank has card skimming devices attached to it. If the buttons on the ATM are hard to press or you’re having a hard time inserting your card, there may be a skimmer on the ATM. If this is the case, immediately cancel your transaction.
  • Take two credit cards. A second card can be useful if one card doesn’t work with a certain merchant, you lose your first card or if one card gets blocked by your bank. That way, you won’t be left without money. Consider bringing at least one credit card that charges no foreign transaction fees.
  • Keep your card in sight at all times. To avoid card cloning, make sure you keep an eye on your credit card whenever you use it to pay. In addition, keep it close to you at all times to avoid it being stolen.

• While most Canadian banks allow you to send money between Canada and Mexico, they usually present less competitive exchange rates and charge high transfer fees. Learn how to send money to Mexico the smart way by using the services of a specialized money transfer company.

• Mexico uses the peso with a currency code MXN and $ symbol.
  If you withdraw cash, you’ll get banknotes of 20, 50, 100, 200, 500 and 1,000. However, the 1,000 bill is rarely used.

• Some of the banks that operate in Mexico are:

  • Banca Mifel
  • Banco Multiva
  • Banorte
  • BanBaijo

  There are also international banks, including:

  • American Express Bank
  • Scotiabank
  • HSBC Mexico
  • Barclays Mexico

  It’s always good to ask your bank if they have partnerships with any of these banks. If they do, you could avoid paying fees on ATM cash withdrawals.

• No, taxis usually do not accept credit cards. However, if you prefer to pay with your card, you can use Uber. It’s typically cheaper and you won’t have to worry about having cash on you.

Learn more about using a credit card overseas by country

• What credit cards can I use in Australia?

  Mastercard and Visa branded credit cards are the most widely accepted, however many merchants around Australia also accept American Express branded cards. As always, it’s a good idea to carry at least some cash on you at all times.

  FAQs about using a credit card in Australia

  Do taxis in Australia accept credit cards?

  Yes, but you may pay a 5% surcharge for the convenience. You could also use a rideshare service like Uber, which is often cheaper and accept credit card payments through the app.

  What is Australia’s official currency called?

  The official currency is the Australian dollar, referred to by the currency code AUD. The Aussie dollar comes in banknotes of $5, $10, $20, $50 and, more rarely, $100.

  How much money can I take with me when entering Australia?

  When travelling to Australia, you’re usually limited to carrying AUD$10,000 – or the equivalent – before you’ll have to report it.

  Will I find any Canadian or international banks in Australia?

  You might — there are some international branches in big cities, like Sydney, including Citibank, HSBC and Tangerine (ING). Ask your bank if it has a partnership with any of the Australian banks to potentially waive ATM cash withdrawal fees.

  What is the Canadian dollar to the Australian dollar exchange rate?

• What credit cards can I use in Barbados?

  Visa and Mastercard are the most widely accepted among merchants in Barbados. Some merchants accept American Express and Discover cards, but it’s less common. You could also have a hard time finding any ATMs that accept Discover or American Express cards.

  FAQs about using a credit card in Barbados

  Do all merchants accept credit cards in Barbados?

  Smaller shops and restaurants may not accept credit cards, but everyone takes US dollars. Keep around $200 USD in your wallet to pay for such things as flying fish “cutters” (sandwiches made with Bajan salt bread), snacks, drinks, souvenirs, taxis and so on.

  Do taxis in Barbados accept credit cards?

  No, but you can pay in US dollars. Note that there’s no Uber or Lyft in Barbados.

  Can I use chip and PIN credit cards in Barbados?

  Chip and PIN credit cards are slowly gaining traction in Barbados. Be sure to ask your bank for a PIN before travelling there. Don’t forget that you may be asked for photo ID when using your card at a shop.

  Which currency is used in Barbados?

  Barbados uses the Barbadian (or Bajan) dollar, which is pegged to the US dollar almost at a rate of 2 for 1 US dollars. So that means that 1 Barbadian dollar is usually worth between $0.65 and $0.70 CAD. The Barbadian dollar uses the currency code BBD and is abbreviated by the dollar sign ($). However, Bds$ may be used instead of the dollar sign to differentiate Bajan dollars from other currencies that use the dollar sign. When you make cash withdrawals, you’ll find banknotes of 2, 5, 10, 20, 50 and 100 Bds$.

  What credit cards can I use in Belgium?

  Mastercard and Visa branded credit cards are widely accepted in Belgium. Some large hotels, restaurants and shops will likely accept American Express cards as well, but since it can be less common, it’s best to travel with a Visa or Mastercard just in case. If you’re looking to pay for small costs like transportation or a coffee, cash is your best bet. Some small businesses and shops may not accept credit cards at all.

  FAQs about using a credit card in Belgium

  Do taxis in Belgium accept credit cards?

  Some do, but not all of them. Make sure you ask the driver before you take the trip. Alternatively, you could consider using a rideshare app such as Uber and pay with your credit card.

  Which currency is used in Belgium?

  Belgium is a member of the eurozone and uses the euro. The euro’s currency code is EUR with the symbol €. If you make a cash withdrawal, expect to find banknotes of 5, 10, 20, 50, 100 and 200 euros.

  Are there any ATMs in Belgium?

  Yes. ATMs are easy to find in Belgium, especially in big cities like Brussels and Antwerp. You can also find ATMs in small towns, but they might be more difficult to come across. It’s still best to travel with at least some cash (euros) on you at all times to pay for small purchases like a coffee or public transportation. Pickpockets in Europe are quite common, so look for well-lit ATMs and those located in public places. Carefully store your cash away and don’t carry too much on you at one time.

  How much cash can I take with me when entering Belgium?

  When travelling to most European countries, you’re usually limited to carrying €10,000 – or the equivalent – before you’ll have to report it.

  Will I find any Canadian or international banks in Belgium?

  It’s possible. Especially in some of the bigger cities there are some international branches including ING Bélgique, BBVA Bélgique, BNP Paribas Fortis and HSBC Bank plc.

  What is the Canadian dollar to euro exchange rate?

• What credit cards can I use in Costa Rica?

  Visa and Mastercard are the most widely accepted in Costa Rica, but American Express cards are also more popular there than in other countries. If you decide to withdraw cash from an ATM using your Amex card, look for Banco BAC San Jose ATMs – although this will cost you a lot, so use your debit card unless it’s an emergency.

  FAQs about using a credit card in Costa Rica

  Do taxis in Costa Rica accept credit cards?

  No, taxis in Costa Rica don’t accept credit cards. If you want to pay with a credit card, you’ll need to use a rideshare service like Uber. Keep in mind that while Uber is cheaper in Costa Rica, it’s also a grey area — not entirely legal, but not illegal either. It’s also not offered in many places around Costa Rica.

  What is the currency used in Costa Rica?

  Costa Rica’s currency is the colón. The currency code is CRC, and the symbol is ₡. From an ATM, you’ll get banknotes of 1,000, 2,000, 5,000, 10,000, 20,000 and 50,000 colónes.

  Are there any ATMs in Costa Rica?

  In bigger cities around Costa Rica, you can pay with your card almost anywhere. In the countryside? Not so much. Still, when it’s possible, it’s best to use the local currency (colónes) to pay since purchases paid for in USD will be rounded up.

  How much cash can I take with me to Costa Rica?

  You can take any amount, although you’ll need to sign a declaration if you carry more than US$10,000 – or its equivalent in another currency – in cash into the country.

  Will I find any Canadian or international banks in Costa Rica?

  International banks that operate in Costa Rica include Scotiabank Costa Rica and Citibank. If your bank has a partnership with banks in Costa Rica, such as Scotiabank, you could enjoy perks like no-fee ATM cash withdrawals (at specific brands of ATMs) — so make sure to ask about any existing relationships before departing and know which brand of ATMs you can withdraw from free of charge.

  What is the Canadian dollar to Costa Rican colón exchange rate?

• What credit cards can I use in Croatia?

  Visa and Mastercard are widely accepted across Croatia, with fewer restaurants and hotels accepting American Express cards. It’s still a good idea to always travel with at least some cash. You might even score a discount from some vendors or landlords that prefer Croatian kuna over swiping plastic.

  FAQs about using a credit card in Croatia

  Does Croatia accept the euro?

  Though the country became a part of the European Union in 2013, Croatia hasn’t yet adopted the euro. The official currency of Croatia is the kuna, which has the currency code HRK. However, to attract travellers from the EU, local Croatian businesses might accept payment in euros. Some taxis, accommodation providers and restaurants advertise their rates in euros – but since euros aren’t legal tender in Croatia, no business is obligated to accept them.

  Are there any ATMs in Croatia?

  Called Bancomats in Croatia, ATMs are abundant across the country. You can find ATMs easily in banks, airports, stores and even some larger hotels.

  Does Croatia restrict how much money I can carry into the country?

  Yes. If you’re arriving from Canada, you’ll need to declare any amount over €10,000 euros (or its equivalent in another currency).

  What’s the Croatian kuna to Canadian dollar exchange rate?

• What credit cards can I use in the Czech Republic?

  As expected, Visa and Mastercard have the highest rate of acceptance – but American Express doesn’t lag far behind, especially in large cities like Prague. Although you can usually pay with credit card for most purchases, it’s still a good idea to carry at least some cash on you at all times.

  FAQs about using a credit card in the Czech Republic

  Do taxis in Prague accept credit cards?

  A large number of taxis in Prague accept credit cards, but not all do – you’ll want to ask before you get in. You can also call an Uber to pay for a ride through the app, where you can use a credit card.

  Are there any ATMs in the Czech Republic?

  Yes, ATMs are easy to find in the Czech Republic. Although you should avoid withdrawing cash from an ATM using your credit card, look for ATMs of Euronet and Komercni Banka for Amex cards. That said, Euronet ATMs usually have higher fees and should be avoided if possible – even when using a debit card to withdraw cash. It’s much cheaper to withdraw from a bank branded ATM.

  Which currency is used in the Czech Republic?

  The Czech Republic uses the Czech koruna with a currency code CZK and a symbol Kč. When you make a cash withdrawal, you could find banknotes of 100, 200, 500, 1000 and 2000 Kč.

  How much cash can I carry into the Czech Republic?

  You can carry any amount into the Czech Republic, but if you enter or exit the country with more than €10,000 in cash – or the equivalent in another currency – you’ll need to declare it.

  What is the Canadian dollar to Czech koruna exchange rate?

• What credit cards can I use in the Dominican Republic?

  Visa and Mastercard are the most commonly accepted credit cards in the Dominican Republic. While you’ll find some takers for your American Express card, have a Visa or Mastercard on you as well. Keep in mind that using a credit card in the Dominican Republic might present some roadblocks – cash remains king in the country’s everyday life. That said, you’ll be able to use your credit cards in large hotels, shops and restaurants across populated cities and popular tourist resorts.

  FAQs about using a credit card in the Dominican Republic

  Are there any ATMs in the Dominican Republic?

  ATMs are easy to find in Santo Domingo and tourist resort towns such as Punta Cana, La Romana and Puerto Plata. Most banks in the Dominican Republic are members of the Cirrus, PLUS and Maestro networks, so you’ll be able to use your Canadian credit and debit cards. If you plan to travel to remote areas, carry adequate cash because ATMs can be hard or near impossible to find. In addition, ATMs in the Dominican Republic usually have daily withdrawal limits of around 5,000 or 10,000 pesos.

  What currencies are accepted as cash in the Dominican Republic?

  Almost all hotels in the country list their prices in US dollars, and you’ll find that most shops, restaurants and taxi drivers accept Dominican pesos as well as US dollars. Some merchants may even accept your Canadian dollars. Don’t be surprised if you come by hotels and businesses that quote prices only in US dollars because tourists are their primary source of revenue. If you need to, you can exchange Canadian or US dollars for Dominican pesos at a bank or a currency exchange office – locally referred to as Casas de Cambio.

  Are there any Canadian banks in the Dominican Republic?

  Scotiabank operates in the Dominican Republic. Citibank is the only other international bank in the country. Large domestic banks include Banco Popular, Banreservas and Banco Leon.

  What is the Canadian dollar to Dominican peso exchange rate?

• What credit cards can I use in France?

  In France, credit cards and debit cards are typically jointly referred to as “carte de crédit” or just “carte.” When a distinction is drawn, it’s between domestic credit cards (“Carte Bleue” or blue card) versus international ones (“Carte Bleue Visa” or “Carte Bleue Mastercard”). When you see a “CB” logo outside a French shop window, this means the shop should take an international Visa or Mastercard credit card. American Express cards are not nearly as commonly accepted in France.

  FAQs about using a credit card in France

  Which currency is used in France?

  The French currency is the euro. This is the same currency used by 19 other countries in the European Union, including Germany, Italy, the Netherlands and Spain. If you’re visiting other countries in the EU, you won’t need to exchange money.

  Should I carry cash in France?

  Most places you go — restaurants, hotels, tourist attractions — will accept both credit and debit cards. However, some merchants that run small businesses, family-owned restaurants and stalls at outdoor markets, may only accept cash. Also be wary of pickpockets in major cities — like Paris and Nice — who heavily target tourists.

  Are there any ATMs in France?

  There are numerous ATMs in France. It’s best to use an ATM inside a bank as theft at ATM machines in popular tourist locations is rampant. Pickpockets have been known to target ATMs in busy areas, such as the one underneath the Eiffel Tower.

  What’s the euro to Canadian dollar exchange rate?

• What credit cards can I use in Germany?

  Visa and Mastercard are widely accepted in Germany. You can also use American Express cards, but they’re accepted in fewer locations. While Germany ranks highly in Europe for the acceptance of new technology like contactless and mobile payments, it’s still predominantly a cash-based economy.

  FAQs about using a credit card in Germany

  Do taxis in Germany accept credit cards?

  It depends on the city and district. In some cities, taxis will usually accept credit cards but add a surcharge. If you don’t have cash, order a taxi that accepts credit cards from your hotel or use the mytaxi app to pay with your card.

  Which currency is used in Germany?

  As a member of the eurozone, Germany uses the euro with a symbol €. If you make a cash withdrawal, you’ll get banknotes of 5, 10, 20, 50, 100 and 200 euros.

  Should I carry cash in Germany?

  Given that more than 80% of payments in Germany are made using cash, you should carry cash with you at all times. Smaller shops, such as bakeries, bars and family-owned restaurants, may only accept cash or the German EC card.

  How much cash can I take with me to Germany?

  You can take any amount, although you’ll need to sign a declaration if you carry more than €10,000 – or its equivalent in another currency – in cash into the country.

  Are there any ATMs in Germany?

  ATMs are easy to find in Germany and are typically referred to as Bankomat or Geldautomat. Most ATMs accept international credit, debit and prepaid cards, although you might want to look for the Cirrus or PLUS logo.

  What is the Canadian dollar to euro exchange rate?

• What credit cards can I use in Ghana?

  Only Visa credit cards are widely accepted in Ghana. Mastercard and American Express cardholders might struggle to find an ATM or an establishment to use these cards, especially outside of Ghana’s capital, Accra.

  FAQs about using a credit card in Ghana

  Do taxis in Ghana accept credit cards?

  No, but you could use a rideshare app such as Uber and pay with your credit card through the app.

  Which currency is used in Ghana?

  Ghana uses the cedi with a symbol GH₵ and a code GHS. Expect to see banknotes of 1, 2, 5, 10, 20 and 50 GH₵.

  Are there any ATMs in Ghana?

  ATMs can be found in cities across Ghana. Since the crime rate in Ghana is high, use ATMs that are located within banks or well-lit areas. Avoid ATMs in dark or isolated areas. Card cloning and other ATM scams occur in Ghana, so if the ATM keypad feels sticky or the card slot feels tight, use another ATM.

  How much cash can I take to Ghana?

  You can enter Ghana with US$10,000 – or the equivalent in another currency – before you have to declare it.

  What is the Canadian dollar to Ghana cedi exchange rate?

• What credit cards can I use in Greece?

  Mastercard and Visa credit cards are widely accepted in Greece. You could also use American Express cards at large hotels, restaurants and shops, but since it can be less common, it’s best to travel with a Visa or Mastercard just in case.

  FAQs about using a credit card in Greece

  Do taxis in Greece accept credit cards?

  Some taxis in Greece have POS terminals where they accept both debit and credit cards. You can also try the Taxibeat app and pay through the app with your card.

  Are there any ATMs in Greece?

  Yes, you’ll find ATMs in most Greek cities and resorts, including at train and bus stations, shopping malls and popular tourist destinations. Some ATMs may charge their own withdrawal fee of around $2-3 per transaction.

  Which currency is used in Greece?

  Greece is a member of the eurozone and uses the euro. If you make a cash withdrawal, you’ll come across banknotes of 5, 10, 20, 50, 100 and 200 euros.

  How much cash can I take with me to Greece?

  You can take any amount, although you’ll need to sign a declaration if you carry more than 10,000 euros in cash into the country (or its equivalent in another currency).

  Are there any Canadian or international banks in Greece?

  Yes there are, especially in some of the bigger cities. You could find some international branches fr banks such as HSBC Bank, Bank of America, Citibank Europe and Deutsche Bank.

  What is the Canadian dollar to euro exchange rate?

• What credit cards can I use in Hong Kong?

  American Express cards aren’t as widely accepted in Hong Kong as Mastercard and Visa, but some Amex cards, such as the Platinum Card, will get you access to the Centurion Lounge in Terminal 1 at Hong Kong International Airport. In Hong Kong, most credit cards are chip without a PIN cards. In some cases, if your PIN has four digits, you may need to add two zeros at the end for it to work. If you’re looking to withdraw cash with an Amex card, look for AEON Credit Service ATMs.

  FAQs about using a credit card in Hong Kong

  Do taxis in Hong Kong accept credit cards?

  No, however you can use a rideshare such as Uber or Lyft and pay with your credit card through the app.

  What is the currency of Hong Kong?

  Hong Kong uses the Hong Kong dollar. Its currency code is HKD and its symbol is HK$. When you withdraw cash from an ATM, you’ll get banknotes of 10, 20, 50, 100, 150, 500 or 1,000. If you take out cash from an ATM, keep in mind that ATMs in Hong Kong don’t charge fees, but you’ll need to watch out for your bank in Canada charging a fee.

  Which banks operate in Hong Kong?

  The largest banks in Hong Kong are Hong Kong and Shanghai Banking Corporation (HSBC), Bank of China Hong Kong, Hang Seng Bank and Bank of East Asia.

  You can also find international banks, such as Citibank Hong Kong, Barclays Hong Kong, JP Morgan Hong Kong and UBS Hong Kong.

  What is the exchange rate between the Canadian dollar and the Hong Kong dollar?

• What credit cards can I use in Hungary?

  Visa and Mastercard are both widely accepted in Hungary, while American Express can be used at many ATMs – but not all merchants will accept Amex cards. OTP Bank and Euronet ATMs, among others, accept American Express cards.

  FAQs about using a credit card in Hungary

  Do taxis in Hungary accept credit cards?

  Most taxis in Hungary have POS terminals that accept Visa, Mastercard and sometimes even American Express credit cards. When you pay, make sure it’s in local currency to avoid dynamic currency conversion (DCC) fees.

  Which currency is used in Hungary?

  The Hungarian forint is the official currency of Hungary. Its currency symbol is Ft, and its three-letter currency code is HUF. If you make a cash withdrawal, you could get banknotes of 500 Ft, 1000 Ft, 2000 Ft, 5000 Ft, 10,000 Ft and 20,000 Ft.

  Are there any ATMs in Hungary?

  ATMs are easy to find, especially in larger cities like Budapest, but you’ll also see some in most towns and villages. When making a withdrawal, use an ATM branded with a Hungarian bank in order to save money. Independent machines tend to charge extra fees. Euronet ATMs are particularly renowned for poor exchange rates. Maximum withdrawal amounts will vary depending on the ATM, but you’ll usually be able to withdraw around 100,000 HUF per transaction.

  How much cash can I take with me to Hungary?

  There is no limit to the amount of money that you can take into Hungary, but you’re not allowed to leave the country with more than 1,000,000 forints in Hungarian currency.

  What is the Canadian dollar to Hungarian forint exchange rate?

• What credit cards can I use in Iceland?

  Both credit and debit cards are widely accepted in Iceland, with most hotels and businesses accepting Visa and Mastercard branded cards. Some merchants may accept American Express, but it’s best to travel with at least one Visa or Mastercard in addition to your Amex. Credit and debit cards are so commonly used in Iceland that you can even pay for the smallest purchases such as a taxi ride, a coffee or even an ice-cream with plastic.

  FAQs about using a credit card in Iceland

  How do I pay to fill up my vehicle with gas?

  Some gas stations don’t accept cash, so it’s best to travel Iceland with at least two different credit cards. If you want to ensure you don’t run into any problems paying for gas, you can buy some prepaid gas cards in Iceland. However, if you choose to buy prepaid cards, you’ll need to select a specific brand of gas station. N1 is the most recommended gas station brand due to its extensive coverage throughout Iceland.

  Are there any ATMs in Iceland?

  ATMs are easy to find and you’ll see a few as soon as you arrive at the Keflavík International Airport. You’ll also come by ATMs in most towns and villages. However, ATMs in Iceland don’t always remain accessible round-the-clock, so it’s best to withdraw money during business hours just in case. Most ATMs accept international credit, debit and prepaid cards, although you might want to look for the Cirrus or PLUS logo.

  Is there a maximum limit to how much cash I can withdraw from an ATM?

  Most ATMs located at airports and major bus stations will let you withdraw up to 80,000 króna. While the majority of other ATMs limit withdrawals to 40,000 króna, some may not let you withdraw more than 20,000 króna.

  How much cash can I take with me to Iceland?

  You can take any amount, although you’ll need to sign a declaration if you carry more than 10,000 euros in cash into the country (or its equivalent in another currency).

  What is the Icelandic króna to Canadian dollar exchange rate?

• What credit cards can I use in Ireland?

  In Ireland, Mastercard or Visa credit cards are more popular than American Express cards, but some merchants – especially in big cities – may still accept Amex. If you want to make a cash withdrawal with an Amex card, look for the Bank of Ireland or Centra ATMs.

  FAQs about using a credit card in Ireland

  Do taxis in Ireland accept credit cards?

  Some do, but most of them don’t accept credit cards. If you want to pay for your ride with a card, download the Mytaxi app for iOS and Android devices. With the app, you can also book a cab a few days in advance to pick you up from the airport. You could additionally use a rideshare service like Uber, which allows you to add your credit card as a payment method.

  What is the currency used in Ireland?

  Ireland is a member state of the eurozone, and it uses the euro as its currency. The currency code is EUR and the symbol is €. You’ll find banknotes of 5, 10, 20, 50, 100 and 200 euros if you decide to make a cash withdrawal.

  Which banks operate in Ireland?

  The largest banks that operate in Ireland are Bank of Ireland, Allied Irish Banks and EBS. International banks that operate in Ireland include Citibank Europe, Bank of America, Merrill Lynch International, Barclays Bank Ireland, JP Morgan Bank, Ireland and Wells Fargo Bank International. Check with your bank to see if it has an active partnership with any of the local Irish banks. If it does, you could save on fees for ATM withdrawals.

  What is the exchange rate of the Canadian dollar to the euro?

• What credit cards can I use in Israel?

  Visa and Mastercard are the most widely used cards, although a fair number of merchants accept American Express cards. If your PIN is longer than four digits, it may not be accepted. Although you should avoid using your credit card to withdraw cash from an ATM, you can use Bank Hapoalim ATMs to withdraw cash using your Amex card. Most brands of ATMs work for Visa and Mastercard withdrawals.

  FAQs about using a credit card in Israel

  Do taxis in Israel accept credit cards?

  In general, they don’t. However, Android and iOs users can download the Gett app and use it to pay for a ride with a card rather than cash.

  Which currency does Israel use?

  Israel’s currency is the new shekel – usually just called the shekel. Its code is ILS, and its currency symbol is ₪. Aside from ₪, you may also see it expressed as S or NS. If you withdraw cash from an ATM, you’ll get banknotes of 20, 50, 100 or 200. Banknotes of 50 and 100 are most common in Israel. Small stores don’t like to accept 200 bills because they may not always have the change to break them. You can also pay with US dollars, especially in popular tourist spots. However, the exchange rate you get will likely not be as favourable as if you paid in the local currency of shekels.

  Are there any ATMs in Israel?

  ATMs in Israel are called kaspomats. Be sure to use ATMs that belong to banks to avoid the higher fees that privately owned ATMs typically charge. ATMs that accept foreign cards are labelled in English. Some will display English by default as soon as you put in your card, while others will display the option to change or choose the language. If your card isn’t accepted by an ATM, try another one. Maximum withdrawal limits vary from one ATM provider to the next, although most permit withdrawals of up to 2,500 ILS.

  What should I watch out for when using cash in Israel?

  Sometimes, if you exchange dollars to shekels with less-than-scrupulous street-market vendors, you may get old banknotes that are worthless. To avoid this, make sure the banknotes have the words “new shekels” written in English. Keep in mind that you also shouldn’t accept banknotes in poor condition, as they may not be accepted elsewhere when you try to pay. The safest approach is to exchange either US or Canadian dollars to local currency at the airport or at foreign exchange kiosks. Note that airports typically have poor exchange rates.

  How much cash can I carry into Israel?

  You can bring any amount into Israel, but you’ll have to declare if you bring more than 80,000 ILS – or the equivalent in another currency – in as cash.

  Which banks operate in Israel?

  The largest banks in Israel are Hapoalim, Bank Leumi, Discount Bank, Mizrahi-Tefahot Bank and First International Bank. You can also find some foreign banks in Israel, which includes BNP Paribas Israel, Citibank Israel, HSBC Israel and Barclays. If your bank has a partnership with any of these institutions, you may be able to avoid fees on debit card ATM cash withdrawals.

  What is the Canadian dollar to Israel shekel exchange rate?

• What credit cards can I use in Italy?

  Visa and Mastercard are both usually accepted in Italy, while American Express will likely be accepted at much fewer locations across the country.

  FAQs about using a credit card in Italy

  Are there any ATMs in Italy?

  Yes, ATMs are everywhere in Italy – just as they are in Canada – only they’re called Bancomats. At the beginning of your transaction, you’ll be able to select English as your language of choice and proceed as you would on an ATM in Canada.

  Should I carry cash in Italy?

  It’s an excellent idea to carry some euros with you during your trip. Big tourist locations and hotels will often accept credit cards, but if you plan on exploring small towns or street markets, you should keep in mind that they probably won’t accept plastic as often, so plan on carrying at least some cash with you.

  What is the euro to Canadian dollar exchange rate?

• What credit cards can I use in Jamaica?

  Mastercard and Visa branded credit cards are widely accepted across Jamaica. Some large hotels, restaurants and shops accept American Express cards, but it’s best to travel with a Visa or Mastercard just in case. If you’re looking for some souvenirs or local goods, cash is your best bet. Several small businesses and shops don’t accept credit cards at all.

  FAQs about using a credit card in Jamaica

  Are there any ATMs in Jamaica?

  ATMs are easy to find in big cities like Kingston, Montego Bay and Mandeville, as well as around popular tourist locations and resorts spread across the island. However, some ATMs in Jamaica can be unreliable, so it’s best that you have a backup plan. Muggings in Jamaica are common, so look for well-lit ATMs and those located within locked vestibules. If your hotel has an ATM, use it instead of public ATMs.

  Which currency should I use as cash in Jamaica?

  Some businesses in Jamaica accept payment in US dollars and Jamaican dollars – and sometimes even Canadian dollars. However, any business that doesn’t cater towards tourists may limit currency to the Jamaican dollar only. Local businesses decide their own exchange rates – often favourable to them and more expensive for you. Save money by exchanging your Canadian dollars at a forex service or a tourist bureau.

  How much money can I take with me when entering Jamaica?

  When travelling to Jamaica, you’re usually limited to carrying US$10,000 – or the equivalent – before you’ll have to report it.

  What is the Canadian dollar to Jamaican dollar exchange rate?

• What credit cards can I use in the Netherlands?

  Visa and Mastercard are the most widely accepted, while American Express cards come in last. Although you should avoid getting a cash advance, if you need to make an ATM cash withdrawal with your Amex card, look for Euronet, ABN Amro Bank and Rabobank ATMs among others. That said, Euronet ATMs are notorious for their high fees, so avoid them when possible.

  FAQs about using a credit card in the Netherlands

  Do taxis in the Netherlands accept credit cards?

  Some do, while others don’t. Ask your hotel to call for a taxi that accepts credit cards. If that’s not an option, use Uber and pay with your credit card through the app.

  Which currency is used in the Netherlands?

  The Netherlands uses the euro with a symbol € and a currency code EUR. When making a cash withdrawal, expect to see banknotes of 5, 10, 20, 50, 100 and 200 euros.

  Are there any ATMs in the Netherlands?

  Yes, ATMs are widely available across the country. You can find them in banks and convenience stores, on popular streets, inside malls and throughout airports, bus stations and train stations. Maximum withdrawal limits vary from one ATM provider to the next, although you’ll typically be able to withdraw anywhere from €250 to €400. Carrying cash is wise since some small restaurants, cafés and even some museums won’t accept credit cards.

  How much cash can I carry into the Netherlands?

  You can carry up to €10,000 – or the equivalent in another currency – into the Netherlands. Any higher amounts you will need to declare on arrival.

  What is the Canadian dollar to euro exchange rate?

• What credit cards can I use in Nigeria?

  The two major credit card networks in Nigeria are Visa and Mastercard, but credit cards are not widely accepted overall due to widespread financial fraud. Nigeria has also recently started to accept American Express in high-end restaurants and hotels, but you won’t find any ATMs that accept Amex cards. While some of the bigger hotels and businesses may accept credit cards, you’re more likely to come across vendors that only accept cash payments.

  FAQs about using a credit card in Nigeria

  Do taxis in Nigeria accept credit cards?

  No, but you can try calling an Uber and paying with a credit card through the app.

  Which currency is used in Nigeria?

  Nigeria uses the naira with a currency code NGN and a symbol ₦. Expect to get banknotes of 5, 10, 20, 50, 100, 200, 500 and 1000₦.

  Can I use ATMs in Nigeria?

  Yes, you can use your debit card to withdraw cash from an ATM – avoid using your credit card unless it’s an emergency. Maximum withdrawal limits may vary from one ATM provider to the next but normally max out at 150,000 naira. You can also convert Canadian dollars to naira at the airport or at a currency exchange kiosk. Credit card purchases in Nigeria are usually limited to higher-end hotels and restaurants at popular tourist spots, so make sure you have it on you at all times.

  How much cash can I carry into Nigeria?

  You can carry any amount into Nigeria, but if you enter the country with more than US$10,000 in cash – or the equivalent in another currency – you’ll need to declare it.

  What is the Canadian dollar to Nigerian naira exchange rate?

• What credit cards can I use in Pakistan?

  Visa and Mastercard are most likely to be accepted, although more high-end establishments might also accept American Express cards. Keep in mind that in Pakistan, cash is king – but that doesn’t mean you can’t use your credit card at all. You’ll find that some merchants in large Pakistani cities accept credit cards, but elsewhere, most businesses opt to take cash only.

  FAQs about using a credit card in Pakistan

  Do taxis in Pakistan accept credit cards?

  No. However, you can pay for an Uber using your credit card.

  Which currency is used in Pakistan?

  Pakistan uses the rupee, with a currency code PKR and a symbol Rs. Their banknotes come in 10, 20, 50, 100, 500 and 1000 denominations.

  Are there any ATMs in Pakistan?

  Yes, you can find ATMs inside banks, shopping malls and on the street. Pakistan remains a cash-based society, so it’s recommended to have enough rupees to cover your expenses at all times. This is especially necessary for smaller establishments, or when travelling in lesser-known towns or villages across the country. All ATMs in the country require a four-digit PIN to make a cash withdrawal. Maximum withdrawal limits vary greatly from one ATM provider to the next. Maximum withdrawal limits may be as low as 20,000 PKR or as high as 50,000 PKR.

  How much cash can I carry into Pakistan?

  You can carry up to US$10,000 in cash – or the equivalent in another foreign currency – into Pakistan. If you’re bringing in the local currency of PKR, you can carry up to 10,000 PKR into the country. If you’re coming from India, different rules apply – the limit is 3,000 PKR. These rules apply for both entering and exiting the country.

  What is the Canadian dollar to Pakistani rupee exchange rate?

• What credit cards can I use in Portugal?

  If you’re travelling to Portugal with a Visa or Mastercard in hand, you’ll be able to use it at thousands of restaurants, shops and businesses around the country. Although less widely accepted, some merchants will accept American Express cards.

  FAQs about using a credit card in Portugal

  Do taxis in Portugal accept credit cards?

  Yes, some taxis in Portugal do accept credit cards but most do not. Look for the Visa/Mastercard sticker on the taxi or ask your hotel to call a taxi that accepts credit cards. Alternatively, call for an Uber ride and pay with your card through the app.

  Which currency is used in Portugal?

  Portugal uses the euro with a symbol €. If you make a cash withdrawal, you’ll get banknotes of 5, 10, 20, 50, 100 and 200 euros.

  Are there any ATMs in Portugal?

  Yes, ATMs are easy to find in Portugal. Credit cards are widely accepted throughout Portugal, but you could find smaller restaurants or shops that accept only cash or have a minimum of €10 before accepting credit cards. Keep around €75 to €100 in cash on you to pay for small items like coffee, snacks, vendors, souvenirs, transportation and other small purchases. Maximum withdrawal limits may vary from one ATM provider to the next, although most permit withdrawals of up to €200 per transaction. You can usually withdraw multiple times a day.

  How much cash can I carry into Portugal?

  You can carry any amount into Portugal, but if you enter the country with more than €10,000 in cash – or the equivalent in another currency – you’ll need to declare it.

  What is the Canadian dollar to euro exchange rate?

• What credit cards can I use in Singapore?

  Singapore is one of the more technologically and financially advanced countries in Asia. This means credit cards such as Visa, Mastercard and American Express are widely accepted. Still, it’s always a good idea to carry some cash for smaller establishments that may not accept plastic.

  FAQs about using a credit card in Singapore

  Do taxis in Singapore accept credit cards?

  Yes, a large number of taxis in Singapore accept credit cards. However, they also charge an additional 10% surcharge for credit card payments. Avoid this high surcharge by paying in cash.

  Which currency is used in Singapore?

  Singapore uses the Singapore dollar. Its currency code is SGD and its symbol S$. When making cash withdrawals, you’ll find banknotes of 2, 5, 10, 50, 100 and 1,000. You may also encounter banknotes of 1, 20, 25, 500 and 10,000, but these are less frequently used.

  Are there any ATMs in Singapore?

  ATMs are easy to find in Singapore and are usually located within banks, shopping malls and hotels. Although Visa, Mastercard and Amex credit cards are widely accepted in Singapore, small establishments may be cash-based businesses only. If you visit an open-air market, for example, you’ll need cash.

  How much cash can I carry into Singapore?

  You can carry any amount into Singapore, but if you enter the country with more than SG$20,000 in cash – or the equivalent in another currency – you’ll need to declare it.

  What is the Canadian dollar to the Singapore dollar exchange rate?

• What credit cards can I use in Spain?

  Both Visa and Mastercard find widespread acceptance, while American Express may only be accepted at a few locations. With a booming tourism industry, you should have no significant problems when using your credit card in Spain. Still, several businesses may require that you show them a valid ID when you use your credit or debit card and some might insist on looking at your passport.

  FAQs about using a credit card in Spain

  Which currency is used in Spain?

  Spain uses the euro with a symbol € and a currency code EUR. If you make a cash withdrawal, you’ll get banknotes of 5, 10, 20, 50, 100 and 200 euros.

  Are there any ATMs in Spain?

  ATMs are present in all Spanish cities and towns, at train and bus stations, gas stations, shopping malls and popular tourist attractions. You can typically complete your transaction in English at most ATMs in cities and large towns across Spain. You’ll usually need to pay cash for most small purchases – like paying at newspaper vendors, cafes, restaurants, bars and small souvenir shops – so it’s a good idea to keep around €100 to €150 in cash.

  Are there any currency restrictions for entry into Spain?

  There are no currency restrictions, although you’ll need to declare if you’re bringing in more than €10,000 or its equivalent in another currency.

  What is the euro to Canadian dollar exchange rate?

• What credit cards can I use in South Africa?

  While some merchants may accept American Express cards, Visa and Mastercard are by far the most widely accepted cards. Although you should avoid withdrawing cash using your credit card because of the high fees, Amex cardholders can withdraw cash from Nedbank ATMs, as well as from smaller banks’ ATMs. Visa and Mastercard withdrawals work from most ATM brands.

  FAQs about using a credit card in South Africa

  Do taxis in South Africa accept credit cards?

  Some taxis do, but not all. If you prefer paying with a credit card, consider a ridesharing app such as Uber or Taxify and pay with your card through the app.

  Which currency is used in South Africa?

  South Africa uses the rand with a currency code ZAR and a symbol R. If you’re making a cash withdrawal, you’ll encounter banknotes of 10, 20, 50, 100 and 200 R.

  Are there any ATMs in South Africa?

  Yes. Since both debit and credit cards are widely accepted, you can easily find ATMs on the street, in shopping malls, within banks and many other locations. The maximum withdrawal limit from an ATM is 3,000 rand. Since credit card fraud is rampant in South Africa, you’ll need to be extra careful when selecting which ATMs to use. Your best bet is to use an ATM located within a bank in order to avoid becoming the victim of pickpocketing or skimming. Make sure to carry some cash on you at all times to pay for small purchases like public transportation, coffees and other little expenses.

  How much cash can I carry into South Africa?

  You can carry up to 25,000 rand in cash into South Africa. For combinations of cash in other currencies, you can take up to US$10,000 – or the equivalent – before you’ll have to declare it.

  What is the Canadian dollar to South African rand exchange rate?

• What credit cards can I use in Sweden?

  You should be able to use Visa or Mastercard credit cards without any problems, given their widespread acceptance. However, American Express cards are less commonly accepted in Sweden. While you can use your credit card just about everywhere in Sweden, some small businesses might offer discounts if you pay in cash, while others may not accept cards at all. So it’s best to keep small amounts of cash on hand at all times.

  FAQs about using a credit card in Sweden

  Which currency is used in Sweden?

  Sweden uses the Swedish krona – not the euro. The word krona literally means “crown” in Swedish, so English speakers often refer to the country’s currency as the Swedish crown. The currency code is SEK, and is commonly represented by the symbol kr. If you’re making a cash withdrawal, you’ll encounter banknotes of 20, 50, 100, 200, 500 and 1000 kr.

  Are there any ATMs in Sweden?

  Yes. Cirrus, Plus and other networks provide connectivity to ATMs across Scandinavia, so you can use your Mastercard or Visa debit or credit card to withdraw money. Banks in Sweden impose fees when non-customers use their ATMs, and the fee is usually higher for international cards. This fee is in addition to any fees that your own bank might charge.

  What is the Swedish krona to Canadian dollar exchange rate?

• What credit cards can I use in Switzerland?

  Switzerland has high merchant acceptance for Visa and Mastercard branded cards. Some merchants may accept American Express, but don’t rely on it. Although you shouldn’t use your credit card to make a withdrawal from an ATM, sometimes emergencies arise. For cash withdrawals, Amex cardholders can make cash withdrawals from ATMs of Euronet, Credit Suisse and UBS. However, Euronet are known for their high fees so it’s best to avoid this ATM brand. Visa and Mastercard can be used at most ATMs.

  FAQs about using a credit card in Switzerland

  Do taxis in Switzerland accept credit cards?

  Most taxis in Switzerland only accept cash. You may find a few that do accept credit cards, so you’ll need to ask the driver before getting into their car, or ask your hotel to call a taxi that accepts credit cards. Alternatively, you can call an Uber and pay with your credit card through the app.

  Which currency is used in Switzerland?

  Switzerland uses the Swiss franc with a currency code CHF and a symbol Fr or SFr. Swiss Franc banknotes come in denominations of 10, 20, 50, 100, 200 and 1,000 francs.

  Are there any ATMs in Switzerland?

  ATMs are easy to find in Switzerland and can be found within banks, on busy streets, inside shopping malls and at train stations, among other places. Although cards are predominantly used, you should still carry some cash on you to pay for small items like coffee, snacks, vendors, souvenirs, transportation and other little purchases. Most ATMs impose a withdrawal limit of 5,000 CHF. Make sure you know your own bank’s limit before making a withdrawal so you don’t exceed either maximum amount.

  How much cash can I carry into Switzerland?

  You can carry any amount into Switzerland and you’re not obligated to declare any when you’re entering or exiting the country.

  What is the Canadian dollar to Swiss franc exchange rate?

• What credit cards can I use in Taiwan?

  You’ll find that Visa and Mastercard are much more popular in Taiwan than American Express, but you can still pay with your Amex card in some places. Despite that, Taiwan is still a mostly cash-based society. Many small, family-owned shops and restaurants will accept cash only, which means you won’t always be able to rely on your credit card. Although you shouldn’t withdraw cash using your credit card, sometimes emergencies arise. If this is the case, look for Chinatrust Commercial Bank ATMs to withdraw using your Amex. Most ATM machines will dispense cash if you use a Visa or Mastercard.

  FAQs about using a credit card in Taiwan

  Do taxis in Taiwan accept credit cards?

  In general, no they don’t accept credit card payments. If you want to pay for your ride with a credit card, you can use Uber. Typically, Uber is less expensive than a regular taxi in Taiwan.

  What currency is used in Taiwan?

  Taiwan’s currency is the New Taiwan dollar and has the currency code TWD and NT$ symbol. If you use an ATM, you’ll get banknotes of 100, 200, 500, 1,000 or 2,000. It should be noted that the banknotes of 200 and 2,000 are rarely used.

  Are there any ATMs in Taiwan?

  Yes. ATMs are relatively easy to find in Taiwan inside shopping malls, within banks and on busy streets. Taiwan is still big on cash usage, and most of the small, family-run businesses may not accept credit card payments. For safety, you should always carry at least some Taiwanese dollars on you at all times. Maximum withdrawal limits vary from one ATM provider to the next, although most permit withdrawals of either NT$20,000, $30,000, $60,000 or $100,000 per withdrawal. You can usually withdraw multiple times a day up to a total of NT$150,000.

  Which banks operate in Taiwan?

  The largest banks in Taiwan are CTBC Bank, Bank of Taiwan, Hua Nan Com Bank and Taiwan Cooperative Bank. International banks that operate in Taiwan are Bank of America, Citibank, Barclays, Wells Fargo and JPMorgan Chase. It can be useful if your bank has partnerships with any of these banks. If they do, you could avoid paying fees on ATM cash withdrawals.

  How much cash can I carry into Taiwan?

  You can carry up to $100,000 in Taiwanese dollars, up to 20,000 RMB (Chinese yuan) or up to USD$10,000 (or the equivalent) before you’ll have to declare the amounts.

  What is the exchange rate between the Canadian dollar and the New Taiwan dollar?

• What credit cards can I use in Thailand?

  Visa and Mastercard credit cards have a much wider acceptance rate than American Express cards. However, Amex cards may still be accepted in large supermarkets, gas stations and high-end restaurants, hotels and stores. Although you should avoid using your credit card to withdraw cash from an ATM, in case of an emergency, you can make a withdrawal from Amex cards at Bangkok Bank ATMs along with many smaller banks’ ATMs. Most ATMs will also allow cash withdrawals from Visa and Mastercard credit cards.

  FAQs about using a credit card in Thailand

  Which currency is used in Thailand?

  Thailand uses the Thai baht. It has a currency code THB and a symbol ฿. Banknotes come in denominations of 20, 50, 100, 500 and 1000 baht.

  Do taxis in Thailand accept credit cards?

  No. Also, rideshare services like Uber are illegal in the country. You will need Thai baht on you if you plan to take a taxi or tuk tuk.

  Are there any ATMs in Thailand?

  Yes, ATMs are easy to find in Thailand and can be found on busy streets as well as within banks, convenience stores, transportation terminals and shopping malls. The ATM cash withdrawal fee in Thailand is usually 220 baht, which is around CAD$9. Maximum withdrawal limits usually vary, although you’ll typically be able to withdraw between 10,000 to 20,000 THB. Thailand is a mostly cash-based society and smaller establishments often won’t accept cards – both debit and credit – so you should carry cash at all times. Outdoor markets, tuk tuk drivers, small cafes and restaurants, street food stalls and massage parlours will only usually accept cash.

  How much cash can I carry into Thailand?

  Limits depend on whether you obtain a tourist visa beforehand or on arrival. If you obtain a visa on arrival, you can enter with 10,000 THB as an individual, or up to 20,000 THB as a family. If you obtain a tourist visa before you arrive in Thailand, you can bring up to 20,000 THB as an individual, or up to 40,000 THB as a family. You can bring any amount of foreign currency in, but you’ll have to declare any amounts of US$20,000 or higher (or the equivalent in another foreign currency).

  What is the Canadian dollar to Thai baht exchange rate?

• What credit cards can I use in Turkey?

  Visa and Mastercard are the most widely accepted cards, but American Express credit cards are accepted – especially at expensive hotels and restaurants. Although you should avoid making a cash withdrawal using your credit card, American Express cardholders can choose ATMs from Akbank, Vakifbank, Garanti and Turkiye Bankasi among others.

  FAQs about using a credit card in Turkey

  Do taxis in Turkey accept credit cards?

  Most taxis in Turkey accept cash only, but there are some that may accept credit cards. Also, don’t expect to find Uber rides in Turkey, as Uber was declared illegal in 2018.

  Which currency is used in Turkey?

  Turkey uses the lira with a symbol ₺ and a currency code TRY or simply TL. If you’re making a cash withdrawal, you’ll see banknotes of 5, 10, 20, 50, 100 and 200 TL.

  Are there any ATMs in Turkey?

  Yes, and you’ll need cash if you’re planning to shop from street vendors, market stalls, or if you’re going to use public transportation including taxis and dolmuş (a shared mini-van taxi). ATMs are widespread across Istanbul and other cities and can usually be found on the streets as well as within banks, shopping malls and transportation hubs. Maximum withdrawal limits usually vary from one ATM provider to the next, although you’ll typically be able to withdraw up to 2,000 TL at one time.

  How much cash can I carry into Turkey?

  There are no limits to the amount of money you can take into Turkey, but if you arrive from a country outside of the EU, you’ll have to sign a declaration if you bring 10,000 euros or more (or the equivalent amount in another currency) into the country.

  What is the Canadian dollar to Turkish lira exchange rate?

• What credit cards can I use in United Arab Emirates?

  Credit card payments are on the rise in the United Arab Emirates (UAE), so you shouldn’t encounter many issues if you’re using a Visa or Mastercard – which are the most commonly used networks in the country. American Express is less widely accepted in the UAE. Some hotels in Abu Dhabi and other Emirates may require a credit card for deposits, so it’s advisable to carry a combination of various payment methods while travelling.

  FAQs about using a credit card in United Arab Emirates

  Can I use contactless payments in the UAE?

  Some vendors will accept contactless payments — keep an eye out for the symbol. If your credit card network is Visa, the contactless limit in the UAE is 500 dirhams. If your credit card network is Mastercard, check with your bank since different financial institutions may set different limits.

  Do taxis in the UAE accept credit cards?

  Yes, taxis in Dubai (and most in the larger cities of the UAE) accept credit card payments. If you’re outside of Dubai, check with the taxi driver before getting in.

  What currency is used in the UAE?

  The Emirati Dirham is used in the UAE, with a sign of د.إ and an abbreviation of AED. Unofficial abbreviations include DH or DHs.

  Are there any ATMs in the UAE?

  Yes, you shouldn’t have an issue finding ATMs or paying by card in most shops, restaurants or hotels in any of the UAE’s major cities. The safest way to withdraw money is to use bank ATMs, with international banks like Citibank, HSBC or Barclays giving you a higher withdrawal limit than local banks. You can usually withdraw up to Dh5,000. This amount is likely much higher than your Canadian bank allows, so check with your own bank for your personal withdrawal limits.

  How much cash can I take with me to the UAE?

  To combat money laundering, you can carry up to Dh100,000 into the country undeclared.

  What is the Canadian dollar to dirham exchange rate?

Compare other popular credit cards to use overseas

Frequently asked questions

• There is no “best” credit card, since the best will depend on your financial situation and what you’re looking to get out of spending on a credit card. If you’re looking to save money, look into credit cards with no foreign transaction fees. If you’re looking to earn points that you can use toward travel and statement credit, consider a rewards or travel credit card. If you don’t think you’ll use your card much, look at no annual fee credit cards.

  Keep in mind Visa and Mastercard are the most commonly accepted brands overseas. While American Express is accepted in some countries, it may be more difficult to find merchants that accept it.

• While it can vary between credit cards, you will usually need to:

  • Be at least 18 years of age, or the age of majority in your province or territory.
  • Be a Canadian citizen or a permanent resident.
  • Have a steady income.
  • Meet any minimum income and credit score requirements.

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