Traveling abroad can be a thrilling experience and a great way to explore other cultures. But one of the most important things to consider when you’re overseas is how to manage your money.

Today, there are many ways you can keep cash secure and easily accessible while traveling abroad. Depending on where you’re going and the length of your trip, one option may work better for you than another.

If you’re looking for an efficient way to carry money overseas there are several options available. This article will discuss why some methods are safer and more convenient than others and walk through all of the best ways for travelers to access cash during their journey abroad.

Key Points From This Article:

  1. When traveling overseas, it is important to manage your money in a secure and efficient way.
  2. Various methods such as money belts, traveler’s checks, prepaid travel cards, and digital wallets can be used to help travelers access money on the go.
  3. Dividing up your cash/cards and storing them in different safe spots is also advised for added security and peace of mind.

10 Secure And Efficient Ways To Carry Money Overseas

When traveling overseas, it is important to manage your money in a safe and secure way. The best way to do this is by carrying a mix of cash, debit/credit cards, and forex cards. New-age products such as NiYo cards offer convenience and cost savings compared to traditional forex cards, so it’s worth researching these options before you travel. It’s also important to get the best forex deal before any travel, so tips for doing this should be taken into consideration.

1. Secure Money Belt For Travel

A secure money belt is a great way to carry money while traveling overseas. Money belts are designed to be worn around the waist and can be tucked under clothing, making them difficult for pickpockets to access. They are also lightweight and comfortable, so they won’t weigh you down or cause discomfort during your travels.

Money belts come in a variety of sizes and styles, so it’s important to find one that fits your needs. Some money belts are designed to be worn around the neck, while others are designed to be worn around the waist. It’s also important to make sure the money belt is secure and has a zipper or other closure system that won’t easily open.

2. Traveler’s Checks

Traveler’s checks are another great way to carry money while traveling overseas. Traveler’s checks are pre-printed checks that can be used to purchase goods and services in foreign countries. They are accepted at most banks, hotels, and stores around the world.

Traveler’s checks are a secure way to carry money because they can only be cashed by the person whose name is printed on them. This makes them difficult for thieves to steal and use.

Traveler’s checks are also convenient because they can be replaced if they are lost or stolen. However, it is important to note that some countries may not accept traveler’s checks, so it’s important to research this before you travel.

3. Prepaid Travel Cards

Prepaid travel cards are a great way to carry money while traveling overseas. Prepaid travel cards are similar to debit cards, but they are pre-loaded with a certain amount of money. This makes them a secure way to carry money because you can only spend the amount that is on the card.

Prepaid travel cards are also convenient because they can be used at ATMs and stores around the world. They are accepted in most countries and offer competitive exchange rates, so it’s worth researching these options before you travel.

4. Digital Wallets

Digital wallets are a great way to carry money while traveling overseas. Digital wallets are apps that allow you to store and access your money electronically. They are secure because they use encryption technology to protect your information, and they can be used at ATMs and stores around the world.

Digital wallets also offer convenience because you can access your money from anywhere with an internet connection.

5. Divide Your Money

Divide your money into multiple safe spots to ensure that you are always prepared in case of an emergency. When traveling, it is important to separate your cash and credit cards into different locations. Put your credit cards in a bag that you carry with you at all times, and store cash on your body. This way, if your credit cards are stolen, you can cancel them immediately and still have some cash to get back to safety.

Multi-stashing money is only safe when done in a secure place. Consider creative places to store cash while traveling such as under the bed or inside curtain hems. Utilize travel bags, pouches, and contraptions to help carry money discreetly so that it is not easily visible or accessible by thieves. By taking these precautions, you can rest assured knowing that your money is safe and secure no matter where you go.

6. On-Body Storage

On-body storage is an important consideration for anyone who wants to keep their money safe while traveling. Under-clothing storage accessories such as neck pouches and money belts provide a convenient way to store cash on the body without having to carry a wallet or purse. For extra security, bra stashes or underwear with built-in pockets can be used for storage. This is the best way to ensure that your money is kept close at hand and out of sight from potential thieves.

It’s important to avoid hiding cash in your backpack as it can be vulnerable to theft. A close friend of mine had all of his money stolen from his backpack, so it’s essential to take precautions when storing your valuables. Investing in on-body storage solutions is the best way to protect yourself and your belongings while traveling. Not only will you have peace of mind knowing that your money is safe, but you’ll also have easy access when you need it most.

7. Theft-Proof Bag

Traveling can be a great way to explore the world, but it can also be dangerous. Theft is a common problem when traveling, and it’s important to take precautions to protect your belongings. One of the best ways to do this is by investing in an anti-theft bag. These bags are designed with features such as slash-proof material, steel-cable reinforced shoulder straps, and locking zipper compartments that make them difficult for thieves to access. Additionally, never put valuable items or cash in checked bags as luggage theft is common.

For extra security, consider using tracking devices such as AirTags. This device allows you to track your bag if it ever gets lost or stolen. When shopping for an anti-theft bag, look for one with built-in safeguards to hide and protect valuables such as Pacsafe backpacks or Travelon cross-body bags. Investing in a theft-proof bag could be a great way to protect your belongings.

8. Clean Out Your Belongings

When it comes to traveling, it is important to make sure that you are only carrying the essentials. This means taking the time to clean out your wallet and purse of any unnecessary items. Doing this will help reduce the risk of theft while on the road. It is also a good idea to pack only what you need for your trip, as having fewer items to replace in case of theft makes traveling much easier.

Start by taking everything out of your wallet or purse and sorting through it. Get rid of any expired cards, old receipts, or other items that are no longer necessary for travel. You should also consider leaving behind any large amounts of cash or expensive jewelry that could be a target for thieves. Once you have removed all unnecessary items, make sure that what remains is organized and easy to access when needed. This will help ensure that you have all the essential documents and cards with you during your travels without having too much bulk in your wallet or purse.

9. Dummy Wallet

A dummy wallet is a great way to deter potential muggers and pickpockets. It should be padded with small bills and fake cards for a realistic appearance so that it looks like you have something valuable in your possession. This can be used as a decoy to distract the thief and allow you to escape. Having a few dollars and old cards in the dummy wallet can also come in handy if you are ever mugged.

It is important to remember that the best way to keep money safe while traveling is to hide it on your body. Keeping small bills in the dummy wallet for day-to-day activities is advisable, but it’s important to keep your proper wallet at the accommodation or somewhere secure when not in use. This will ensure that all of your valuables are kept safe from potential thieves.

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10. Lock Valuables Away

It is important to take precautions when it comes to protecting your valuables. Always keep your wallet and handbag securely closed, and if possible, keep valuables in your front pockets. Be aware of motor-cycle related thefts and keep bags away from the road. When traveling, it is wise to invest in a hotel safe for extra cash or an RFID-blocking wallet to protect cards from digital theft. A money belt or tamper-proof wallet can also be used to carry cash securely.

These simple steps can help ensure that your valuables are kept safe and secure at all times. It is important to remain vigilant when out in public and be aware of potential threats such as pickpockets or thieves on motorbikes. Taking the necessary precautions will help you avoid becoming a victim of theft and ensure that your valuables are kept safe.

How To Plan Accordingly?

When planning a trip, it is important to plan accordingly. One of the most important things to consider is what currency you will need for your destination. Depending on where you are going, you may need to exchange your money for the local currency or purchase a multi-use card that can be used for public transportation. This will help limit the number of times you have to retrieve your wallet while traveling. Additionally, if the place you are visiting accepts multiple forms of currency, it is wise to bring more than one type with you.

It is also important to research any fees associated with exchanging money and using certain types of cards in order to avoid any extra costs. Additionally, make sure that all of your documents are up-to-date and valid before leaving home as some countries require visas or other forms of identification in order to enter their borders.

How To Choose The Right Travel Money Belt

A travel money belt is an essential item for anyone traveling overseas. It is a secure and discreet way to carry your valuables, such as cash, credit cards, passports, and other important documents. When choosing the right travel money belt, there are several factors to consider.

  • It is important to choose a belt that fits comfortably and securely around your waist or hips.
  • It should also be made of a durable material that is waterproof and tear-resistant.
  • Additionally, look for a belt with multiple compartments to store different items and an adjustable strap for a secure fit.

Finally, make sure the belt has RFID-blocking technology to protect your cards from digital theft.
By taking the time to research and choose the right travel money belt, you can ensure that your valuables are kept safe and secure while traveling overseas.

Is It Safe To Exchange Currency At An Airport Kiosk?

Exchanging currency at an airport kiosk can be a convenient and safe way to obtain the local currency for your destination. However, it is important to research the exchange rate before exchanging money as some kiosks may offer lower rates than banks or other currency exchange services. Additionally, it is important to check for any fees associated with the transaction as these can add up quickly.

It is also important to be aware of your surroundings and keep an eye on your belongings when exchanging money at a kiosk.


Traveling overseas can be an exciting and rewarding experience, but it is important to take the necessary precautions to ensure that your valuables are kept safe and secure. Planning ahead by researching the local currency and exchange rate, as well as choosing the right travel money belt.

By taking these tips, you can ensure that your valuables are kept safe and secure while traveling abroad.