should i bring pesos to an all inclusive

When it comes to planning a vacation to an all-inclusive resort, one of the burning questions many travelers have is whether or not they should bring pesos with them. As someone who has traveled to numerous all-inclusive destinations, I have gained valuable insights into the benefits and drawbacks of bringing pesos to an all-inclusive. In this article, I will share my perspective on this topic and provide you with the information you need to make an informed decision.

The Benefits of Bringing Pesos

Local Currency

One of the main reasons why bringing pesos to an all-inclusive can be advantageous is that you will have the local currency at your disposal. This can come in handy when you want to explore the local area, visit nearby markets, or dine at local restaurants. Having pesos on hand can make it easier to immerse yourself in the local culture and support local businesses.

Better Exchange Rates

Another benefit of bringing pesos is that you may be able to get better exchange rates compared to converting your currency at the resort. While all-inclusive resorts typically offer currency exchange services, they may not always provide the most favorable rates. By bringing pesos with you, you can potentially save money on exchange fees and get more value for your currency.

The Drawbacks of Bringing Pesos

Lack of Convenience

One of the drawbacks of bringing pesos to an all-inclusive is the lack of convenience. While some resort areas may accept pesos, many all-inclusive properties primarily operate on US dollars or credit cards. This means that you may not have many opportunities to use pesos within the resort itself, which can make carrying and exchanging the currency less practical.

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Security Concerns

Carrying large amounts of cash, including pesos, can also pose security risks. All-inclusive resorts are generally safe environments, but it’s still essential to exercise caution when carrying significant sums of money. Additionally, if you choose to bring pesos, you’ll need to consider how to keep your currency secure while enjoying the amenities and activities the resort has to offer.

My Recommendations

Consider Your Itinerary

When deciding whether to bring pesos to an all-inclusive, it’s crucial to consider your itinerary and the activities you plan to engage in. If you anticipate exploring the local area extensively, having pesos on hand may enhance your overall experience. However, if you plan to spend most of your time at the resort, you may find limited use for the local currency.

Evaluate Exchange Options

Before your trip, take the time to research the exchange options available to you. Compare the exchange rates offered at the resort, local banks, and currency exchange outlets to determine whether it’s more advantageous to bring pesos with you or convert your currency upon arrival. By evaluating your options, you can make an informed decision that aligns with your financial interests.


Ultimately, the decision of whether to bring pesos to an all-inclusive depends on your travel preferences, spending habits, and the specific destination you plan to visit. As with any aspect of travel planning, it’s essential to weigh the pros and cons, consider your individual needs, and make a decision that aligns with your comfort level. By taking the time to evaluate your options and understand the implications of bringing pesos, you can ensure a more enjoyable and stress-free vacation experience.


1. Is it better to exchange currency at the resort or beforehand?

It’s generally better to exchange currency beforehand at a local bank or currency exchange outlet, as you may receive better rates compared to the resort.

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2. Can I use US dollars at an all-inclusive resort?

Yes, many all-inclusive resorts in popular tourist destinations accept US dollars for convenience, but it’s advisable to have some local currency for small purchases and off-site activities.

3. Are credit cards widely accepted at all-inclusive resorts?

Yes, credit cards are widely accepted at most all-inclusive resorts, but it’s essential to notify your bank of your travel plans to avoid any potential issues with card usage.

4. How much local currency should I bring?

The amount of local currency to bring depends on your planned activities and spending habits. Consider exchanging a modest amount to start and exchange more if needed during your trip.

5. What is the most secure way to carry and store local currency at an all-inclusive resort?

To ensure the security of your local currency, consider using a travel money belt or a secure compartment in your luggage or room safe. Avoid carrying large sums of cash on your person to minimize the risk of loss or theft.