Don’t Get Caught Out – The Holiday Mistake That Could Cost You Abroad

Don’t Get Caught Out – The Holiday Mistake That Could Cost You Abroad

Don’t Get Caught Out – The Holiday Mistake That Could Cost You Abroad

So, let’s talk about something a lot of us overlook when we’re heading off on holiday — cash. I know, we’re living in a digital age, most of us rely on our debit cards or even just tap our phones and go. But here's the thing — UK holidaymakers are being warned: not bringing cash abroad could be a costly mistake.

Recent research by Be Clever With Your Cash shows that 39% of travellers found themselves needing physical currency unexpectedly while overseas. I mean, think about it — tipping, hopping into a local taxi, or buying souvenirs from a market stall in a remote town — these are all things where card payments might not be accepted. Especially when you're not in a major city or resort, cash can still rule.

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And if you're caught without any cash? You might end up making a last-minute withdrawal from an ATM. That might not sound like a big deal, but those machines often charge steep fees, and some hit you with poor exchange rates too. Worse still, some travellers have admitted resorting to airport exchange counters — notoriously known for giving the worst rates — just to get by. That’s money straight down the drain.

Amelia Murray, a financial expert, made a good point. It's not about stuffing your wallet with wads of notes, but having a ‘cash cushion’ — a little bit of local currency for those situations where card just doesn’t cut it. Maybe enough for a meal, a ride, or a tip — just to keep you covered.

Even though prepaid and travel-specific cards can help you reduce reliance on cash, they’re not foolproof. So before you jet off, double-check your card’s fees and limits for international use. And while you're at it, make sure your travel insurance covers lost or stolen cash — many policies do, but the coverage varies. Some only go up to around £200–£300, so don’t carry your life savings, but do take enough to be smart.

In short: a little bit of preparation goes a long way. It might seem old-school, but taking a bit of cash with you could save you stress, hassle, and unexpected costs. You don’t want to be stuck trying to buy an ice cream or tipping your guide and finding out it’s a card-only kind of world — except when it isn’t.

So next time you're packing your sunscreen and passport — don’t forget a few notes too. Your wallet will thank you.

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