should i take cash or card to australia


When planning a trip to Australia, one of the important decisions to make is whether to take cash or rely on your cards. As a seasoned traveler who has visited Australia multiple times, I can provide you with valuable insights into the pros and cons of both options. In this article, I will discuss the advantages and disadvantages of using cash and cards in Australia, as well as provide tips to help you make the best decision for your trip.

Using Cash in Australia

Advantages of Using Cash

Using cash in Australia has its advantages. Firstly, it provides a sense of security as you do not have to rely on technology or worry about credit card fraud. Additionally, some small businesses and vendors may only accept cash, so having some on hand can be beneficial in certain situations.

Disadvantages of Using Cash

However, there are also disadvantages to using cash in Australia. Carrying large amounts of cash can be risky, especially in crowded tourist areas. Furthermore, exchanging currency can result in fees and unfavorable exchange rates, ultimately costing you more money.

Using Cards in Australia

Advantages of Using Cards

Using cards in Australia is convenient and widely accepted. Most businesses, including restaurants and shops, accept major credit and debit cards. Additionally, using cards can provide a record of your transactions, making it easier to track your spending.

Disadvantages of Using Cards

One of the main disadvantages of using cards in Australia is the potential for fees. Some banks charge international transaction fees, currency conversion fees, and ATM withdrawal fees. It is important to check with your bank before your trip to understand the fees associated with using your cards in Australia.

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In conclusion, whether you should take cash or card to Australia ultimately depends on your personal preferences and travel habits. It is recommended to have a combination of both options to ensure you have flexibility during your trip. Be sure to notify your bank of your travel plans and familiarize yourself with the fees associated with using your cards abroad.


1. How much cash should I bring to Australia?

It is recommended to bring a small amount of cash for initial expenses and emergencies. The rest of your money can be accessed through your cards or exchanged as needed.

2. Should I exchange currency before my trip?

Exchanging currency before your trip can provide peace of mind, but it may not be the most cost-effective option. Consider using ATMs or exchange services in Australia for better rates.

3. Can I use my credit card for purchases in Australia?

Yes, most businesses in Australia accept major credit cards for purchases. However, be mindful of potential fees associated with international transactions.

4. Are there ATMs readily available in Australia?

Yes, ATMs are widely available in Australia. However, be aware of potential ATM withdrawal fees charged by your bank.

5. What is the best way to manage my money while in Australia?

The best way to manage your money in Australia is to have a combination of cash and cards. Notify your bank of your travel plans and familiarize yourself with their international fees.