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Travel Guides
Practical, guides to spending money abroad. Currency, cards, cash, transport and the things travellers get wrong, for every destination Matrix Forex covers.
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Every guide breaks down the local currency, card acceptance, and how much cash to actually carry, helping travellers prepare for their journey with confidence.
Japan
Asia · Japanese YenYen, IC Transit Cards, Rail Passes & Essential Travel Etiquette
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Singapore
Asia · Singapore DollarA compact, card-friendly city. Where cash still helps and where it does not.
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United Kingdom
Europe · British PoundContactless travel, Oyster fares and how to sidestep poor airport rates.
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Switzerland
Europe · Swiss FrancA high-cost, card-first country. Learn how to budget Swiss francs wisely for your trip.
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Vietnam
Asia · Vietnamese DongDong in the millions, cash for street food and cards across the cities.
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Spain
Europe · EuroEuro basics, card acceptance and staying a step ahead of pickpockets.
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Malaysia
Asia · Malaysian RinggitRinggit, e-wallets and easy card use for a first Southeast Asia trip.
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Indonesia
Asia · Indonesian RupiahRupiah, cash for Bali warungs and what to keep on your card.
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South Korea
Asia · Korean WonWon, T-money transit cards and a very card-friendly Seoul.
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Sri Lanka
Asia · Sri Lankan RupeeRupees, cash for the hills and coast, and simple money tips.
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Austria
Europe · EuroEuro in a card-friendly capital, with cash for cafes and markets.
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Schengen
Europe · EuroOne currency, many countries. How the euro and Schengen travel work.
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Australia
Oceania · Australian DollarAUD, card surcharges, the GST refund and reef & park fees before a first trip.
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Thailand
Asia · Thai BahtBaht, Thai QR, the Digital Arrival Card and cash for street food & islands.
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USA
Americas · US DollarUSD, sales tax at the register, tipping and the new 2026 national-park nonresident fees.
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New Zealand
Oceania · New Zealand DollarNZD, the NZeTA and visitor levy, strict biosecurity and cash for remote road trips.
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China
Asia · Chinese YuanCNY, Alipay and WeChat Pay, visa-free transit and cash as a backup.
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Hong Kong
Asia · Hong Kong DollarHKD, Octopus, no sales tax and cash for markets.
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Bangladesh
Asia · Bangladeshi TakaBDT, cash-first travel, visa on arrival and reputable transport.
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Mauritius
Africa · Mauritian RupeeMUR, resort cards, the tourist fee and cash for markets and buses.
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Czech Republic
Europe · Czech KorunaCZK not the euro; card-friendly, but watch dynamic currency conversion in tourist areas.
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Denmark
Europe · Danish KroneDKK not the euro; one of the most cashless countries, a working card is essential.
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Norway
Europe · Norwegian KroneNOK not the euro; a highly cashless fjord country, carry a small NOK reserve.
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Sweden
Europe · Swedish KronaSEK not the euro; among the most cashless countries, with many card-only venues.
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UAE
Middle East · UAE DirhamAED pegged to USD; highly card-first, 5% VAT refund and hotel tourism charges.
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Qatar
Middle East · Qatari RiyalQAR pegged to USD; card-first Doha, no general VAT yet and easy Metro travel.
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Saudi Arabia
Middle East · Saudi RiyalSAR pegged to USD; card-first with mada and wallets, 15% VAT and e-visa entry.
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South Africa
Africa · South African RandZAR; card in cities and cash for tips, the SARS traveller form and safari budgets.
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Canada
Americas · Canadian DollarCAD; card-first cities, sales tax at the register, tipping and Rockies road trips.
Read the guideNo destinations match that search yet.
How much cash to actually carry
The figure displayed for each country indicates the recommended local cash for a one-week stay. Hover over any destination to explore business, backpacker, and luxury budgets, then manage the remaining travel funds with a forex card.
| Country | Currency | 7-day holiday | Business trip | Backpacker | Luxury |
|---|---|---|---|---|---|
| Japan | JPY | ¥20,200 | ¥10,100 | ¥12,300 | ¥35,500 |
| Singapore | SGD | S$150 | S$80 | S$80 | S$270 |
| United Kingdom | GBP | £100 | £50 | £50 | £180 |
| Switzerland | CHF | CHF 150 | CHF 80 | CHF 90 | CHF 280 |
| Vietnam | VND | ₫2,000,000 | ₫1,150,000 | ₫950,000 | ₫4,000,000 |
| Spain | EUR | €100 | €50 | €60 | €180 |
| Malaysia | MYR | RM220 | RM120 | RM120 | RM420 |
| Indonesia | IDR | Rp1,275,000 | Rp740,000 | Rp550,000 | Rp2,585,000 |
| South Korea | KRW | ₩150,000 | ₩200,000 | ₩100,000 | ₩250,000 |
| Sri Lanka | LKR | LKR 29,800 | LKR 15,900 | LKR 15,900 | LKR 55,600 |
| Austria | EUR | €90 | €40 | €50 | €160 |
| Australia | AUD | A$200 | A$250 | A$150 | A$300 |
| Thailand | THB | ฿6,000 | ฿6,000 | ฿4,000 | ฿8,000 |
| USA | USD | $200 | $250 | $150 | $300 |
| New Zealand | NZD | NZ$250 | NZ$300 | NZ$150 | NZ$350 |
| China | CNY | ¥800 | ¥1,000 | ¥600 | ¥1,200 |
| Hong Kong | HKD | HK$800 | HK$1,000 | HK$500 | HK$1,200 |
| Bangladesh | BDT | ৳8,000 | ৳10,000 | ৳5,000 | ৳12,000 |
| Mauritius | MUR | Rs3,500 | Rs5,000 | Rs2,000 | Rs6,000 |
| Czech Republic | CZK | Kč1,500 | Kč2,000 | Kč1,000 | Kč2,500 |
| Denmark | DKK | kr800 | kr1,000 | kr500 | kr1,200 |
| Norway | NOK | kr1,000 | kr1,500 | kr800 | kr2,000 |
| Sweden | SEK | kr800 | kr1,000 | kr500 | kr1,200 |
| UAE | AED | Dhs500 | Dhs700 | Dhs300 | Dhs900 |
| Qatar | QAR | QR400 | QR500 | QR200 | QR700 |
| Saudi Arabia | SAR | SR500 | SR700 | SR300 | SR900 |
| South Africa | ZAR | R1,500 | R2,000 | R1,000 | R2,500 |
| Canada | CAD | C$200 | C$250 | C$100 | C$350 |
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Travel & forex FAQs
They are practical, global guides to spending money abroad. Each destination guide covers the local currency, how widely cards are accepted, how much cash to carry, transport payments and the common money mistakes travellers make.
Thirteen destinations across Asia and Europe. Asia covers Japan, Singapore, South Korea, Malaysia, Indonesia, Vietnam and Sri Lanka. Europe covers London, Barcelona, Prague, Vienna, Switzerland and the wider Schengen area.
A mix works best. A multi-currency card covers most payments at a locked-in rate with zero markup, while a small amount of local cash is useful for taxis, tips, street food and places that do not accept cards. Each guide tells you how card-friendly that country is.
Under the RBI Liberalised Remittance Scheme you can buy foreign exchange up to USD 250,000 equivalent per financial year for permitted purposes. For a private visit you may carry up to USD 3,000 equivalent in foreign currency notes per trip, and load the balance on a forex card.
Everything you need before you fly
Lock your rate at zero markup, carry the right mix of cash and card, and check today’s live rates before you book.
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