If you live near a university and you’re truly brave, you could eventjes get low-cost dental work from a dental student.

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Paying in the local currency avoids DCC fees and ensures that your card issuer handles the currency conversion. In most cases, your card issuer will offer a more favourable exchange rate than the merchant’s.

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Use a debit or credit card that offers fee-free international ATM withdrawals. Cards linked to travel-friendly sofa accounts often reimburse foreign ATM fees.

The currency used in Indonesia is the Indonesian Rupiah (IDR). It’s recommended to exchange some currency upon arrival at the airport or use ATMs, which are widely available in cities and tourist areas.

If others still omdat to give on birthdays and you have children, stick solely to savings accounts and check out our independently rated junior ISAs. Here’s more on how you can teach your kids about money.

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9 All prices do not include sales tax. The account requires an annual contract and will renew after one year to the regular list price.

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One reason it’s so difficult to save kan zijn that your fixed expenses — the ones that stay the same each month — like your rent or mortgage, car payment, property taxes and insurance premiums — tend to be your largest bills.

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These fees are not limited to in-person transactions made while travelling abroad. You could also incur foreign transaction fees when shopping on sites outside your home country, even if you pay in your local currency. This is because the transaction may be processed overseas, triggering the fee.

Banks like Charles Schwab or Revolut offer accounts that waive or reimburse foreign transaction fees, making them ideal for frequent travellers. These accounts often have additional benefits, such as free ATM withdrawals abroad or better currency conversion rates.

When comparing cards, consider the annual fee, additional travel benefits, and whether the card provider offers rewards for international purchases. Sites like NerdWallet, The Points Guy, or Bankrate provide detailed comparisons of the best travel credit cards, allowing you to make an informed decision based on your needs.