Funding tips and how much to bring 

*as suggested by former travelers from 2015






Judy : €40-€60 a day spending budget worked well for us. Get a travel card that can hold different currency. NZ has one “Loaded for travel” which holds up to five currencies. Use it like a credit card. Also if you travel with your “other half” then have a spare copy of each others card. If one goes missing you have still got access.

John: There are lots of currency cards and products in Australia, some linked to banks, others independent. My personal favourites at moment are Travelex multi currency card as no fees to withdraw (unless the ATM that you withdraw from charges independent fees) and can be used as credit card as well. Also able to reload on Internet and comes with spare card.

Another product is the Citibank card that charges no fees and gives you great exchange rate. Travel cards allow you to lock in good rates whereas Citibank is simply – rate on the day.

Most travel/currency cards charge fees etc to load. It is a matter of preference – as to how much money to bring? – difficult one. Depends on the style of traveller, what do they want to see, how much do they want to drink, do they want to eat like a local or a tourist?

Louise: 28 degrees MasterCard!

Alanda: We used the ‘Loaded for Travel’ one too – no problems except for the ‘self serve’ ticket machine in the Musee de Armee in Paris.  For NZ people, Air NZ has a currency card and if you join up to Air Points, that is pretty good too.  I agree with the 40 to 60 euros a day budget too, but an emergency fund is always good for those expensive things that you weren’t expecting (like paragliding perhaps).

Marie: €50 per day plus entry fees

Jenny: €50 a day plus some extra for the unexpected. I used Commonwealth Bank travel money card. Can load up to 6 currencies. I always travel with cards from 2 different institutions in case one bank is ‘down’ for a day leaving you without access to money. So a Visa card comes for the ride just in case

Jo: I second the recommendation for the 28 Degrees MasterCard. No annual or international conversion fees. Has a HIGH interest though, so only good if you know you can pay it off within time.
Good customer service too. Got my purse stolen in Kathmandu and had no phone to call Australia. Used my iPad to get me boyfriend to call 28 Degrees on my behalf and had card cancelled easily. No banking/security problems.

Adam: My tip is to have a few different options. Eg credit card, cash, travelex card and Eftpos card that works overseas. And don’t carry them in the same place.

Steve: My tip is backup cards. There are plenty of ATMs, so bring your ATM cards cause if they get stolen, all they get is junk plastic.

Kate: We got ANZ travel cards that worked well for us. No conversion fees, only ATM fees. We would get out a big chunk of money at a time and lock it in the safe to avoid to many charges, and you get back up cards with them.

Jacqueline: I also recommend the 28 degrees Master Card, not sure about now but when I used it no overseas fees. Also the ANZ travel card was great.

Alison: I budgeted for about 50 euros per day and ended up spending almost twice that overall, and that was with only buying a few cheap souvenirs. I used ANZ travel cards and just drew out lump sums as needed. Worked pretty well, and any travel card that comes with a backup card is a good idea. No frantic phone calls if one card is lost.

Anna: Definitely 28 degrees card!!! No fees whatsoever and very easy to use. Just load it up with your cash before you depart and your set!

Jenny: 50 euro a day and a commonwealth bank travel money card in Australia.

Melissa: I just used my normal credit card. Didn’t notice any difference in fees etc. But I would definitely recommend that if people are going to use that option that they check out their cards fine print first. The main reason I don’t like those travel cards (some, not all) is that on some of them you actually lose money in the transfer. Everyone has their own preference, that’s just mine. I usually work off of $100 Australian dollars per day. Some days you spend more, some less

Tracey: 50 euros a day and a low fee MasterCard

Jasmine: I am surprised by everyone’s estimate of €50. I easily spent that much on entrance fees alone. I think realistically, if you factor in 2-3 lots of entrance fees, food/drinks, metro fares and cheap souvenirs, I would say €75-€100 per day. On my recent trip to Paris and Spain, I was spending about €60. This is me not paying for entrance or buying souvenirs. With every trip I have taken, I have done a tally of all expenses. €60/day is a cheap no thrills trip. €100/day is a realistic amount if you want to have an activities filled day or a nice dinner and drinks.

Michelle: The amount is so hard to gauge. Depends if you have stuff pre-booked or pay as you go. If on a tour, then about €80 per day is good, also depends if you like to shop or not. For our next trip I have just got the 28 degrees MasterCard, no currency conversion fee & loaded a multi-currency cash passport with euro & pounds, were I got it do it fee free, but usually a 1.1% fee to load but no feed on ATM withdrawal unless the foreign bank charges for using their ATM, which in 2010 no bank charged to use their ATM.

Amanda: $100 a day

Kate: We used a cash passport card and our normal VISA card. $2000 AUS maybe for 2-3 weeks?

Amanda: Take two credit cards from different banks…. or a debit visa. Since my trip with S & K I’ve been caught out with a group where we had a dinner bill and we couldn’t access money…. all the same bank. Had to use ATM 15 kms away …. all in French  Especially bad in Australia that they do maintainance on Internet banking overnight on Saturdays….. right when you want to transfer more cash to get home! :0)


What should I pack?