How To Find Best Travel Money Card For Australian Travellers

Travel Money Cards have recently become the preferred means of carrying money by travellers all over the world. The technology has made carrying money electronically extremely easy, safe and convenient.

Australians have many choices when it comes to purchasing a Travel Money Card with each bank or institution offering different terms, conditions, fees and charges. It is, therefore, important that Australians compare and review travel money cards available on the market.

We have done this work for you by comparing Eight of the Best Travel Money Cards available in Australia. The two tables below give a clear summary of the different cards available and show how you can save on fees and charges.

Travel Money Card – Table 1

TRAVEL CARDS/ INFORMATION
Westpac Global Currency Card

westpac global Travel Money Cards

ANZ Bank Travel Card

anz Travel Money Cards

 

Load & Go (Australia Post)

australia post load and go Travel Money Cards

Cash Passport

travelex cash Travel Money Cards

FEES,
CHARGES , & CONVERSION RATES
-Reload fee is $10
-Conversion rate is 3%
-No initial card fee and monthly inactive fee.
-No secondary fee
-No cap on reload fee
-Conversation rate is 3%
-Initial card fee is $11
-No monthly inactive fee
-No secondary fee
-No reload fee
-conversation rate is 3%
-No initial card fee
-No monthly inactive fee
-No secondary fee
-No reload fee
-Conversation rates change from time to time
-Charges on ATM
withdrawal is 2.95%
-Monthly inactive fee is AU$4
CURRENCIES AVAILABLE
-Multiple currency
-Max currencies loadable in the card at a point is 5
-Australian dollar, SA Rand, US dollar, Euros, British pounds, Canadian dollar, Singapore dollar, Hong Kong dollar, Japanese yen, Thai Bhatt, New Zealand dollar
-Multi currency
-Max currencies loadable at a point is 10
-Australian dollar, US dollar, Euros, British pounds, Canadian Dollar, Singapore dollar, Hong Kong dollar, Japanese yen, Thai Bhatt, New Zealand dollar
-Multiple currency
-Max currencies loadable at a point is 5
-Australian dollar, Euros, US dollar, British pound, New Zealand dollar.
-multiple currency
-Max currencies loadable at a point is 10
-USD, THB,CAD,HKD,JPY,SGD , and AUD
-Single currency card
LIMITS
-maximum ATM withdrawal within 24 hrs. is $2000
-Min amount loaded is $100
-Max amount of transactions within 24hrs is $8000
-Max daily bill pay reload is $6000
-Max ATM withdrawals within 24 hrs. is $2500
-Min amount loaded is $200
-Max amount of transactions within 24hrs is $5000
-Max daily bill pay reloaded is $9000
-Max ATM withdrawals within 24hrs is $2500
-Min amount loaded is $100
-No max amount of transactions within 24hrs
-No max daily bill pay reloaded
-Max ATM withdrawals within 24hrs is AUS$3000
-Min amount loaded is AU$ 100
-Max amount of transaction within 24hrs is AU$15000
-Max daily bill pay reloaded is AU$ 25,000
-Limit of Cash over the counter is AU$350
CHANNEL OF DISTRIBUTION
-can be purchased online
-can be purchased in a branch
-Can be purchased online
-Can be purchased in a branch
-Can only be purchased in a branch
– Can be purchased online
SECURITY INFORMATION
-No bank account linkage
-chip and pin protection
-ability to lock card
-ability to change pin
– No bank account linkage
– chip and pin protection
-Ability to lock card
-Ability to change pin
-No bank account linkage
-Ability to lock card
-Ability to change pin
– Bank account linkage
-Ability to lock card
-Ability to change pin
ACCESS CHANNELS
-Online purchase
-ATM use
-Online purchase
-ATM Use
-Online purchase
-ATM Use
-Online purchase
-ATM Use
-Over the counter use
TERMS AND CONDITIONS
-Emergency assistance globally and card replacement 24/7
-Lock in exchange rate before travel
-Funds in different currencies
 
-Emergency assistance globally and card replacement 24/7
-Lock in exchange
-Funds in deferent currencies
-Emergency card replacement
-Lock in exchange
-Funds in different currencies
-Lock in exchange
-Emergency assistance globally and card replacement 24/7
-Funds in different currencies
 
RELOAD
 
-Same day card reloading
-Emergency fund transfer
– Same day card reloading
-No same day card reloading
-25% load bonus
-Same day reloading
-Emergency fund transfer
MOBILE & PHONE
-Available Apps
-Change of pin through mobile
-24 hrs. customer service
-24 hrs. customer service.
-SMS alerts
-Available Apps
-SMS Alerts
-24 hrs. customer service
 
ACCOUNT FACILITY
-Online account access
-Online change of pin
-Funds allocated online
-Online account access
-Online change of pins
-Online allocation of funds
-Online account access
-Online allocation of funds
-Online account access
-Online change of pin
-Online allocation of funds

Travel Money Card –  Table 2

TRAVEL CARDS/
INFORMATION
Commonwealth Travel Money Card

commonwealth bank travel money card

Virgin Velocity Global Wallet

Virgin Velocity Global Wallet Travel Money Card

 

NAB Travel Money Card

nab traveler Travel Money Card

Qantas Cash MasterCard

qantas Travel Money Card

FEES, CHARGES , & CONVERSION RATES
-Initial card fee is $15
-No monthly inactive fee
-No currency conversion fee
-No secondary card fee
-No reload fee
-No initial card fee
-Monthly inactive fee is $1
-Emergency cash transfer fee is $ 15
-Currency exchange rate is 3%
-No reload fee
– No initial card fee
-No cap on reload fee
-No secondary card fee
-Monthly inactive fee is $4
-Currency conversion rate is 4%
– No initial card fee
-No monthly inactive fee
-No currency conversion fee
-No reload fee
CURRENCIES AVAILABLE
-Multiple currency
-Max no of currency loaded at a point is 13
-Single currency card
-USD, Euros, New Zealand dollars, SA Rand, AUSD, Japanese yen, Chinese Renminbi, Vietnamese Dong, Emirati Dirham, Thai Baht, SD, HKD, CAD, British pound.
– Multiple currency
-Max no of currency loaded at a point is 11
-Euro, AUSD, CAD, Japanese Yen, USD, Thai Baht, SA Rand, Sterling pound, Singapore dollar,   New Zealand dollar, HKD
-Multiple currency
-Single currency
-Max no. of currency loaded at a point is 10
-USD,CAD, Euros, Thai Baht, Singapore dollar, New Zealand dollar, British pound, HKD, Japanese yen
-Multiple currency
-Single currency
Max no of currency loaded at a point is 11
-USD, CAD, Euros, Thai Baht, Singapore dollar, New Zealand dollar, British pound, HKD, Japanese Yen, Emirati Dirham
LIMITS
-Min amount loadable $1
-Max ATM withdrawal is $2,500
-Max transaction amount is $7,500
-Max bill pay reload is $100,000
-Max ATM withdrawal is $2500
-Min loadable fee is $100
 
-Min amount loadable is $50
-Max ATM withdrawal is $3000
-max transaction value is $7000
-max bill pay reload is $25,000
Min. amount loadable is $1
-Max ATM withdrawal is $3000
-Max transaction amount is $15,000
-Max bill pay reload is $ 20.000
CHANNEL OF DISTRIBUTION
-Can be purchased online
-Can be purchased in a branch
-Can be purchased online
-Can be purchase
-Can be purchased in a branch
-Can be purchased online
SECURITY INFORMATION
-Chip and Pin protection
-No bank account linkage
-Ability to lock card
-Ability to change pin
-No bank account linkage
-Ability to lock card
-Ability to change pin
-Chip and pin protection
-No bank account linkage
-Ability to lock card
-Chip and pin protection
-No bank account linkage
-Ability to lock card
ACCESS CHANNELS
-Online purchase
-ATM use
-Online purchase
-ATM use
 
-Online purchase
-ATM use
-Online purchase
-ATM use
TERMS AND CONDITIONS
-Lock in exchange
-Different currencies
-Emergency assistance and card replacement 24/7
-Emergency fund transfer
-Lock in exchange
-Different currencies
-Emergency assistance and card replacement 24/7
-Emergency fund transfer
-Lock in exchange
-Different currencies
-Emergencies assistance and replacement 24/7
-Emergency fund transfer
 
-Lock in exchange
-Different currencies
-Emergency assistance and replacement 24/7
-Emergency fund transfer
RELOAD
 
-Same day reload
 
-Same day reload
-No same day reload
MOBILE & PHONE
-24hr Customer service
-SMS alert
-24 hrs. customer service
-Available app
-24HR Customer service
-Available app
-24hr customer service
ACCOUNT FACILITY
-Online account access
-Online change of pin
-Online access to funds
-Online account access
-Online access of funds
-Online account access
-Online change pin
-Online access of funds
-Online account access
-Online change of pin
-Online access of funds

Westpac global Currency Card – It charges $10 for reloading card and its conversation rates stands at 3%. One can load five different currencies at ago and the maximum ATM withdrawal is $2,500.

Global Wallet (Velocity Frequent Flyer)It does not charge any fee for purchasing initial card but charges monthly inactive fee of $1 after 12 dormant months. It also charges $15 for emergency transfer and the conversation rate is 3%.

ANZ Travel Card The fee for acquiring initial card is $11 and the conversation rate is 3%. There is no monthly inactive fee and maximum number currencies loaded at ago are 10.

Load & Go (AUSTRALIA POST)The conversation rate is at 3% and maximum currencies loaded at a point are 5. It does not charge fee for acquiring initial card.

Cash Passport – Monthly inactive fee of $4.00. There is 25% load balance and 24 hours customer service.

Nab Travel CardConversation rate is 4% and no charge for acquiring initial card. One can change pin and access funds online.

Commonwealth Bank Travel Money Card – Fee for acquiring initial is $15 and the number of currencies available is 13. There is same day reloading and 24 hours customer service.

Cash MasterCard (Qantas Cash) – There is no linkage with bank account and one can lock the card in case of lose. There is 24 hours customer service and online account access.

Please Share your tips, tricks and stories regarding Travel Money Cards in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

 

Getting the Most Value from Your European Holidays

European holiday hotspots remain a popular choice among Australian travellers of all ages. From the heritage of the Renaissance era to modern and contemporary art, wonderful beaches and wild mountains, it seems that everyone can find something special in Europe. 

The catch for Aussies in 2015/2016 is the currency exchange rate. The Australian dollar has been at all-time lows for the past 5 years relative to the Euro and British Pound. In November 2015, around 2 AUD will get you 1 GBP and 8 AUD receives 5 EUR. These figures highlight the extra burden travellers now face when visiting European cities meaning their hard-earned AUD won’t go as far as it once did.

Optimise Travel has done the research for you to showcase european holiday destinations that will give you more ‘bang for your buck’.

Euro vs Australian dollar

Image via xe.com

Nonetheless, European holiday destinations do not only include the UK, France, Germany, Spain or Italy.

Central and Eastern Europe

These are amazing destinations that offer unique and memorable experiences similar to the more popular regions, but at a much better price. This is the case because not every EU country has adopted the Euro as its currency, our table below explains.

Countries such as Sweden and Denmark have their own currencies and while the exchange rate might be favorable to the AUD in 2016, the services, food and travelling costs in these northern countries are almost equivalent to those practiced in Western Europe, so they do not represent great deals for Australians. To gain significantly more value for your European holiday in 2016, you can visit the following countries which are not in the Eurozone: 

Czech Republic, Poland, Hungary, Croatia, Serbia, Macedonia, Romania, Bulgaria, Russia, and Turkey.

eurozone currency map

Image via http://www.economist.com

The major Eastern European capitals such as Warsaw in Poland, Budapest in Hungary or Bucharest in Romania are just as technologically advanced and up-to-date with 21st century trends as any western city. These come with the added benefit of generally less tourists. The adventures awaiting travellers visiting this region of Europe is extremely unique, highlighted by the diversity of Serbia and Macedonia, Russian vodka tasting in Moscow or the outstanding all-inclusive offers in Turkey’s beach resorts.

The Czech Republic others coffee festivals, fantastic art collections including Andy Warhols best work, castles, caves and gorgeous Chateaux’s. Even though Prague has attained popularity in the past decade and prices have increased, it still represents high value for Australians. Architecture from the Gothic and Renaissance eras is littered throughout the capital. English speaking guided mountain bike tours are available and extremely popular along with Czech beer. This brew is known around the world for its taste, which comes from decades of brewery experience passed down from one generation to the other. The best thing about it is that you can get the finest Czech beer at excellent prices regardless of where you stay.

Religion or literature enthusiasts can follow in the footsteps of Rabbi Loew and the renowned legend of the Golem – a trip that starts in front of his statue, takes you through the Kafka square, two synagogues, and a Jewish cemetery. Just outside of Brno, in the east of the Czech Republic lies the Moravian Karst, a vast landscape of gorges, caverns, underground rivers and cave systems.

 

 

Prague River on European Holiday

Image via https://www.ietf.org/

The next on our list is Poland and the city of our choice is Krakow, which seems to be the most accessible destination. Free walking tours of the city are available for backpackers leaving daily from the main square. This central grand square (Rynek Glowny) is the perfect people watching both day and night and is an excellent starting point when exploring the city.

Attractions such as the Wawel Royal Castle, Bunker of Modern Art and the Church of the Virgin Mary (Kosciol Mariacki) are all within walking distance and easily accessible. If walking and site seeing takes its toll then Spa and wellness resorts are also popular throughout Poland with more than 40 renowned for their affordability, modern features and tranquility.

Travel further east to a Romania to experience Medieval Castles such as Bram Stoker’s inspiration for Dracula. Located just outside of the picturesque mountain town of Brasov and just a few hours north of the capital Bucharest, this 600 year old castle is a must see for adults and children alike and with tickets no more than 30 Romanian Lei (€6).

In terms of modern scenery, the capital Bucharest is renowned for its historic beauty and with many focal points showcasing its communist times. You can learn something about Romania’s roots at the Village Museum or the Museum of the Romanian Peasant or gaze upon the 2nd largest building in the world, the Palace of the Parliament.

Art galleries are plentiful and usually come without the crowds of its Parisian counterparts. The most interesting 21st century galleries include the Anaid, Zorzini Gallery or H’art Gallery. Alternatively, the capital is renowned for its nightlife and entertainment scene. Low prices, plenty of underground locations and live music clubs can turn every night into a party.

 

Romanian Castle on European Holiday

Image via www.reddit.com

The Russian economy has experienced difficult times recently, with the AUD gaining as much as 60% in value when compared to the Russian Ruble since January. Services are quite pricy in Moscow, seeing as it is one of the largest capitals in Europe, but transportation, food and drinks are more than reasonable.

Visit the Kremlin, a fortress dating back to the 1100’s and renovated in the 15th century by Italian architects and currently the seat of the Russian state power, as well as the Red Square, where you’ll be blown away by the the psychedelic onion domes of St. Basil.

Beach in Antalya, Turkey on European Holiday

Image via www.holidaystoturkey.com

Antalya, Turkey is the place for your perfect European holiday in 2016. Considerably cheaper than the capital Istanbul, Antalya is mostly known for its beach resorts. The incredible value of your vacation is powered by an exceptional currency rate between the AUD and Turkish Lira. Additionally most hotels offer ‘all inclusive’ packages meaning you can indulge in all the food and drink you that your stomach can handle. Visit our comprehensive guide to Turkey here.

Turkish Lira vs Australian Dollar

Image via xe.com

Even though the AUD has lost a lot of ground in the past 5 years compared to the Euro and British Pound, Europe still remains an attractive destination for Australians. This is because tourists can experience art, history, mountains, beaches, spas, nightlife, medieval castles and architecture all on the one continent. Travellers who venture outside the more recognised european cities can stretch the AUD further, experiencing more on their European holiday adventures.

Please Share your European holiday tips, tricks and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

My Bucketlist by Axel & Ash

My Bucketlist

Welcome to the first edition of our must-have Travel Books section where we highlight creative, unique travel-related books from Australia to assist you on life’s journey. The books we focus on are for the modern and inquisitive traveller and will offer much more than any city guide. Please enjoy, like and share with family and … Read more

Why Croatia Is a Must See Destination for Australian Travellers

Croatia

Optimise Travel Test – Croatia

Croatia offers plenty of options for holiday-makers, including its culture, historical buildings and national parks, as well as beautiful coastal and inland mountain resorts.

We’ve put the country through our Optimise Travel holiday destination test, and it comes up trumps.

  • Is now a good financial time to go? 

  • Is there a wide variety of interesting things to see and do? 

  • Is there a good time of year to go? 

  • How hard is it to get to and get around when you’re there? 

 

We’ll look at each one of these criteria in more detail in this article, offering you some practical tips and advice along the way.

A good financial time to go √

Current exchange rates between the Australian dollar and the Croatian kuna make Croatia a good value for money destination for Australian tourists.

As the graph below shows, the Australian dollar (AUD) will currently buy you approximately 5.17 Croatian kunas (HRK). Although you would have been able to get more than 6 kunas to the dollar 2 or 3 years ago, the Australian dollar has held up better against the kuna in recent years than against currencies like the United States dollar (USD) and the Euro (EUR).

AUD vs Croatian Kuna

Image: xe.com

A variety of interesting things to see and do √

Before we get into those, you need to get your head around the geographic layout of the country. The capital city of Croatia is Zagreb, and the country is bordered by Slovenia, Hungary, Serbia, Bosnia and Herzegovina, and Montenegro. Croatian is the official language in the country, but most people speak at least a little English, so the language barrier won’t be as acute as in some other countries.

Map of Croatia

Image: http://reliefweb.int

Pula Arena

This amphitheatre was built in the first century, and is the 6th largest surviving arena from the Roman Empire. It is also the best preserved historical building in Croatia, and hosts a variety of festivals and concert performances over the summer months.

Pula Arena in Croatia

http://www.houseofcoco.net/park-plaza-arena-hotel-pula-croatia/

Plitvice Lakes

Plitvice Lakes is a World Heritage-listed national park located near Croatia’s border with Bosnia and Herzegovina. It is particularly famous for its series of cascading lakes and their green, blue and azure watercolours. Its dense forests are home to unique flora and fauna species, including the European brown bear, eagles, owls, wolves and wild cats.

Plitvice Lakes In Croatia

Image: https://acoupledetours.files.wordpress.com

Hvar

   Hvar is a Croatian island town located in the Adriatic Sea, off the Dalmatian coast near the city of Split. It is home to some of Croatia’s more upmarket resorts, and is known for its sunny weather, beaches and harbour.

Hvar in Croatia

Image: http://www.suncanihvar.com

Zlatni Rat Beach

This much-photographed and popular beach, also off the coast of the city of Split, is surrounded by pine trees and is typically lined in summer with sunbeds. It is ideal for water sports activities such as wind-surfing and kayaking.

Zlatni Rat Beach in Croatia

Image: http://stuffpoint.com

Korčula

Korčula is also an island town located off the coast of Split. There you can stroll and explore its centuries-old stone buildings, medieval walls and towers on car-free stone alleys. You can also visit Marco Polo House, the birthplace of the famous 13th-century explorer.

korcula Sunset In Croatia

Image: http://i.uniline.hr

Dubrovnik

Nicknamed “the pearl of the Atlantic”, the city of Dubrovnik in the south is one of Croatia’s most prominent tourist attractions. It is a walled city, and the stunning architecture of its churches, monasteries and museums are its most striking feature. Besides walking the streets to take its history in, a great way to view the city as a whole and its neighbouring islands in the Adriatic Sea is via aerial cable car. In addition, the ‘old city’ was used in filming the HBO TV series Game of Thrones.

  Old town, dubrovnik, Croatia

Image: http://www.valamar.com

 

A good time of year to go √

Being located in the northern hemisphere, Croatia’s seasons occur at the opposite time to Australia’s. Its weather is much cooler than in Australia, with average summer temperatures of 18°C and -3°C in winter. Coastal areas are warmer than inland areas.

You can expect holiday destinations and accommodation within Croatia to be more crowded and expensive during school holiday times. Approximate Croatian school holiday dates are as follows:

Christmas: 24 December 2015 to 8 January 

Spring:       21 March 2016 to 28 March 2016

Summer:   13 June 2016 to 31 August 2016

Autumn:     5 September 2016 to 9 September 2016

 

Getting there and getting around while you’re there √

There are regular flights to Zagreb (the capital and largest city in Croatia) from most capital cities in Australia. It’s a long flight, taking approximately 24 hours from the east coast of Australia, based on one quick stopover at a connecting flight destination along the way (such as in Abu Dhabi, Bangkok or Dubai). Connecting flights are common for such a long journey. Your total travel time will obviously be affected by the length of any stopovers, so you should plan accordingly.

Within Croatia, there are airports in each of its major cities. Flights between cities are relatively short by Australian standards. For example, a flight between Zagreb in the north of the country and Dubrovnik (popular tourist destination in the far south) only takes about an hour.

 

Is it safe?

The Australian government’s official advice from the Department of Foreign Affairs and Trade is that Australians should exercise normal safety precautions when travelling in Croatia. As you should in any international country, pay close attention to your personal security and belongings.

You should also talk to your doctor about appropriate vaccines and preventative medicines before you go. In addition to the routine vaccines, for Croatia, you should prevent your chances of contracting any of the following diseases –hepatitis A/B and rabies.

 

Please Share your Croatian tips, tricks and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

 Must-See Australian Beaches: Great Aussie Destinations For Everyone

Exchange rates are a double-edged sword. The Australian dollar has taken a bit of a pounding in the last year or two on world currency markets, meaning you currently won’t get as much bang for your Australian buck in many overseas countries as you did not long ago. But there is always a silver lining.

Australian holidays in 2018 are great value for money by comparison with many overseas destinations. And let’s face it, Australia is a big country. Not many of us can say they have seen all it has to offer.

Let’s take a look at Thailand as a financial comparison. As the below graph shows, the Australian dollar has headed south against the Thai baht since the peak levels of four years ago, especially in the last two years. In 2018, the Australian dollar is worth 30% less against the baht than it was in 2012. Put simply, your money won’t go as far in Thailand as it did then. A holiday to beach destinations like Phuket, Ko Samui, Pattaya or Ko Phayam is now 30% more expensive. That’s money you could spend on an Australian holiday and if it’s beaches you’re looking for, we are blessed with some of the world’s best.

In this article, we’ll focus on some of the less obvious but must see Australian beaches. Destinations that are not packed with people and are as beautiful as anywhere on the planet.

 

must see Australian beaches
Image from www.xe.com March 2016

What Are The Must See Australian Beaches?

 

Queensland

When you think of must-see Australian beaches in Queensland, the Gold Coast, Noosa on the Sunshine Coast, and the islands of the Great Barrier Reef probably spring to mind. You may have already visited those popular destinations, or be looking for some different or less crowded.

If you are, the World Heritage-listed Fraser Island is well worth a visit. Fraser is the largest sand island in the world, with its 75 Mile Beach the highlight. It is well-known for its multi-coloured sands, ranging from standard white through to orange and darker tones. Numerous crystal clear freshwater lakes there will cool you down, including the Champagne Pools, a collection of recreational waters formed by volcanic rocks. The foam of the ocean crashing into the rocks bordering the pools creates a natural jacuzzi. Fraser Island is also a prime whale-watching destination between July and October each year.

How to get there:

The quickest way is to catch a flight to Sunshine Coast Airport. From there you can then catch a short chartered flight to Fraser Island.

must see Australian beaches, Fraser Island
Image: http://uexplore4x4.com.au

Heading further north, Mission Beach between Townsville and Cairns is another great alternative. The golden sands of the Mission Beach region stretch for 14 kilometres. It contains four beach villages nestled against lush tropical rainforests, each with its own charm and characteristics. You can choose to do very little but relax and take in the beautiful scenery, or do a wide variety of water and beach activities, it’s up to you. Numerous accommodation options are available, from basic campsites through to luxury resorts.

How to get there:

Catch a flight to Cairns. Mission Beach is about an hour and a half’s drive from there, with airport transfers, bus, rail and car options available.

must see Australian beaches, Mission beach
Image: http://www.alluxia.com

Heading further north still, if you do want to experience the most secluded Great Barrier Reef island, Lizard Island is for you. It’s very expensive but well worth it. When looking at the price, just think of the money you’re saving by not going to a destination like Thailand with the Australian dollar being so low. Lizard Island has 23 stunning and largely secluded white beaches, with spectacular diving and snorkelling spots to explore the wonders of the colourful reef and its fish species.

How to get there:

Fly to Cairns and then catch a 1-hour charter flight direct to Lizard Island.

must see Australian beaches lizard island
Image: http://www.lizardisland.com.au

New South Wales

The north, south and central coasts of New South Wales offer plenty of must-see Australian beaches. Despite being a popular getaway in the north, you can still find one or two secluded beach spots in the Byron Bay region, including Whites Beach at Broken Head. Part of its charm and the major reason for its seclusion is its relatively limited access. To get there, you need to drive on a dirt road through a rainforest, and then walk along a path to its shoreline. As its name suggests, there you will find beautiful white sand, accompanied by crystal clear water and numerous rock pools. You’ll also often sight dolphins swimming in its shores. It feels a world away from the million dollar Main Beach just 10 kilometres away, so if your holidaying at Byron Bay you can experience the best of both worlds.

How to get there:

If you’re not located within a few hours drive, catch a flight to Ballina Byron Gateway Airport. From there, you can arrange an airport shuttle bus transfer.

Whites Beach, must see Australian beaches
Image: https://www.kayak.com.au

The central coast of New South Wales is famous for its surf beaches at places like Avoca, Terrigal, and The Entrance. But the region isn’t just for experienced surfers. Beginners can learn to surf at one of the many accredited surf schools in the area. Fishing and boating are also popular activities there.

How to get there:

The central coast is an hour’s drive north of Sydney.

Terrigal

On the south coast, Jervis Bay is an idyllic location 200 kilometres south of Sydney, with white sands and crystal clear blue-green water. The area is also inhabited by penguins, a pretty rare sight in Australia. It is also a popular whale-watching region from May to November. Hyam’s Beach is a great spot in the Jervis Bay region, offering a range of accommodation options and activities such as snorkelling, diving, surfing, sailing, windsurfing, and kayaking.

How to get there:

Driving from Sydney is easy or catch a flight to Jervis Bay Airport and then use an airport transfer service.

JERVIS-BAY-must see Australian beaches
Image: http://www.australiantraveller.com

Victoria

If you’re holidaying along the 243 kilometre Great Ocean Road between Torquay and Allansford on the south-east coast of Victoria, you’ll be able to visit the iconic Bell’s Beach surfing venue, see the Twelve Apostles collection of limestone stacks off the coast of Torquay, as well as find plenty of secluded spots. A good option to consider is doing a stretch of the Great Ocean Walk in the Great Otway National Park. In that region, you’ll find four hidden places well worth a visit – the beaches at Milanesia, Rivernook, Station and Parker Inlet.

How to get there:

If you’re not within a few hours driving distance, catch a flight to Avalon Airport in Geelong and then hire a car or catch an airport shuttle bus.

Bells Beach. must see Australian beaches
Image: http://www.barryplant.com.au

Western Australia

Cable Beach near Broome in Western Australia is a stunning visual location. There the turquoise of the Indian Ocean meets the ochre of the Australian outback, with ideal swimming, sunbathing and beach conditions. Both sunrise and sunset camel rides operate daily along a section of the 22 kilometre white sand stretch and make for a memorable experience. For the more free-roaming spirits, the area also includes a nudist beach but this definitely an optional experience and not on everyone’s must see Australian beaches list.

How to get there:

Catch a flight to Broome and book an airport shuttle service.

must see Australian beaches, cable Beach
Image: http://www.markboyle.com.au

Turquoise Bay in Exmouth is also a stunning beach location in Western Australia that is well worth a visit. Its beautiful waters, colourful coral and fish make it an ideal swimming and snorkelling destination.

How to get there:

Catch a flight to Learmonth Airport and then catch an airport shuttle bus to Exmouth.

Exmouth, must see Australian beaches
Image: http://www.ournakedaustralia.com.au

 

In Perth, the iconic Cottesloe Beach is a picture postcard location, with dazzling white sand surrounded by Norfolk Pines. Watching the sunset over the Indian Ocean is a sight not to be missed for those from the east coast of Australia. And although Rottnest Island is just a short ferry ride from the mainland, when you get there it will feel a world away. Just one tip if you are looking for a quiet getaway. Make sure you avoid “schoolies” or “leavers” week in late November when thousands of high school students invade Rottnest to celebrate their graduation. At any other time of year, you’ll be able to peacefully enjoy its beautiful and tranquil surrounds. 

How to get there:

Catch a flight to Perth. Cottesloe Beach is only a 15-minute drive from the city centre. Getting to Rottnest Island will require an additional short ferry trip. Leaving from Fremantle just south of Perth is the quickest way.

must see Australian beaches
Image: http://natashaoakleyblog.com

Tasmania

Tasmania is better known for its green scenery than beaches, but one exception is its picturesque Wineglass Bay located in the Freycinet National Park. Its deep blue sea is offset by stark white sand, with various shades of pink granite cliff faces combining to form a rainbow of colour. Swimming, snorkelling, fishing, sailing, kayaking and rock climbing are popular pastimes here, along with simply relaxing and enjoying the stunning scenery. You can also take in the views of the entire Bay by hiking to an elevated lookout. You’ll be able to take postcard-like photographs with ease.

How to get there:

Catch a flight to Launceston then hire a car or catch a bus for a 2-hour drive.

Wineglass bay, must see Australian beaches
Image: https://deckee.com

South Australia

South Australia is not very well known for its beaches, but a pristine location you should make a point of visiting if you are ever in the State is Second Valley. The Rapid Bay caves can be explored with Kayak Tours.

How to get there:

Catch a flight to Adelaide. If you want to get to Second Valley hire a car for the 1 and a half hour drive south.

Image: https://oztravelleryoungandold.files.wordpress.com
Image: https://oztravelleryoungandold.files.wordpress.com

Northern Territory

Beaches probably aren’t the first thing that springs to mind when you think of the Northern Territory. However, Mindil Beach is worth a visit if you are ever in Darwin. It is particularly well known for its markets that are held on its shores in the late afternoons and early evenings from Thursday to Sunday each week. Mindil Beach is just 3 kilometres from the Darwin CBD.

How to get there:

Catch a flight to Darwin.

Image: http://www.adventurouskate.com
Image: http://www.adventurouskate.com

So there you have it. Our Optimise Travel tips for must-see Australian beaches in each State and Territory. With the current value of the Australian dollar they are well worth considering as alternatives to an overseas beach destination.

We have some of the best beaches in the world, so why not leave your passport at home and tick one of these off your bucket list?

If you have any tips for must-see Australian beaches please share them in the comments section below so others can benefit from your experiences.

How to Beat the International Phone Bill Curse when Travelling Abroad

Mobile Phone

We all dread our phone bill after an overseas holiday. If managed poorly it can ruin all the good memories from your trip abroad. We use our mobile phone for safety, peace of mind, photography, communication and entertainment but these all come at a cost if we are not careful. Here are the best methods to ensure you don’t come back from your holiday with a costly international phone bill.

 

Image: http://motto.time.com
Image: http://motto.time.com

 

 

Before You Travel:

Turn off Data Roaming

 

– Data is charged automatically if left on and can skyrocket your monthly bill into the thousands

– I Phonego to your Settings > Mobile > then slide off Mobile Data and Data Roaming

– Androidgo to your settings > Wireless controls > Mobile Network Settings > then uncheck Data Roaming

 

Turn off Location Services or only use them for apps like maps or travel apps

 

– I Phone go to settings > privacy > Location Services > slide Locations Services OFF

– Android go to settings > Location > slide Location Services OFF

 

The most popular option currently is to Get a Prepaid Travel Sim or visit Telstra, Optus, Vodafone or independent operators. Take a look at our comprehensive guide here

Make sure your Handset is unlocked and works with local carriers.

Bring a travel adaptor and charger so your phone doesn’t run out of battery. Portable Travel chargers are reliable options if you are exploring cities and constantly using your phone.

 

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Update you voicemail. Tell people your globetrotting and direct them to an email address as a better way to contact you.

Book a hotel/hostel with Free WIFI. Australian hotels charge for WIFI but this doesn’t mean that foreign hotels do too so shop around when booking accommodation.

Ask your friends which option they chose, maybe they have a Sim that just needs topping up that you could use.

You can leave your phone at home when travelling but let’s be serious; this is almost never going to happen 🙂

 

When Arriving Overseas

Buy a local prepaid Sim Card when you arrive in your destination. Most arrival airports will have this option and if your phone is unlocked then it is one of the cheapest options. Your usual Australian number will not be available but others apps will still function with (and maybe without) WIFI. Oh and be careful where you store your Aussie Sim card. Definitely learned that lesson the hard way.

Use free WIFI in hotels, cafes, restaurants, shopping centre’s, airports and anywhere else you can log on. If you are walking around a city then take screens shots of maps and pages so you can use them even after you leave your WIFI hot spot.

Use your independent apps for communication rather than your Australian carrier. Email, What’s app, Viber, Skype, We Chat, Facebook Messenger, Twitter, Instagram and Facetime can all be used on WIFI with Data Roaming switched off.

If you do not trust your urge to browse social media and have not prepared for well for your phones overseas travel then simply take out you Australian Sim Card and only use your phone when WIFI is available. This option works extremely well as hotel lobbies; cafes and shopping centres usually have free WIFI in most overseas countries.

 

best selfie phone

 

Returning Home

Keep your foreign Sim or Travel Sim for the future. Give to friends to borrow on their travels.

If you get stung with a large international phone bill then contact you network provider and negotiate a discount on your plan. Often they will give you some credit allowance if you speak nicely and ask for a reduced bill.

Please Share your International Phone Bill tips, tricks and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

Why You Should Go & Holiday In Brazil

Brazil

 Optimise Travel Test – Brazil

Put simply, the eyes of the world were be on Brazil in 2016. If you are looking for excitement on your next holiday, it should definitely rank very highly on your “potential destinations list”. If you’ve always had ambitions to go there, now is a great time!

The Olympic and Paralympic Games were held in Brazil’s second largest city, Rio de Janeiro, in August and September respectively of 2016. As anyone who was lucky enough to be in Sydney in 2000 will agree, being in the host Olympic city while this global sporting extravaganza is taking place is an amazing experience, whether or not you actually attend any events.

Brazil also offers plenty of other options for holiday-makers, from carnivals and culture to adventure and ecotourism. We’ve put the country through our Optimise Travel holiday destination test.

  • Is now a good financial time to go? 

  • Is there a wide variety of interesting things to see and do? 

  • Is there a good time of year to go? 

  • How hard is it to get to and get around when you’re there? 

We’ll look at each one of these criteria in more detail in this article, offering you some practical tips and advice along the way.

 

A good financial time to go √

Current exchange rates between the Australian dollar and the Brazilian real make Brazil a great value for money destination for Australian tourists, which is a bonus.

As the graph below shows, this has been the case for the last few years in particular. The Australian dollar (AUD) will buy you approximately 2.64 Brazilian reals (BRL), a far cry from a decade ago when it hovered around the 1.5 real mark. Even just 12 – 18 months ago, an Australian dollar would only get you just over 2 Brazilian reals.

Screen Shot 2015-11-23 at 3.26.54 pm

Image: xe.com

 

A variety of interesting things to see and do √

Before we get into those, you need to get your head around the geographic layout of the country. Brazil is made up of 26 states, and 5 regions (Northern, Northeast, Central-West, Southeast and Southern). These regions are colour-coded in the map below. It is bordered by 10 countries – Uruguay, Argentina, Paraguay, Bolivia, Peru, Columbia, Venezuela, Guyana, Suriname and French Guyana.

While Portuguese is the official language of Brazil, learning a second language is compulsory in Brazilian primary and secondary schools, and English is a popular option. So while there will be a language barrier to some extent, it won’t be as severe as in some other parts of the world.

Map of Brazil and territories

 

Source: http://www.worldofmaps.net/en/south-america/map-brazil/map-of-brazil-regions.html (Creative Commons Attribution License)

Thumbnails below: (Creative Commons Attribution License)

The Rio CarnivalRio carnivale

This world famous 4-day festival is the largest of its kind in the world and is held before Lent each year. In 2019, it will be held from March 1st-9th. During this time, you can expect a party atmosphere with numerous street parades, floats and more than 2 million people a day flooding Rio’s streets, bars, cafes and other popular venues. The festival finishes with the spectacular Rio Samba Parade.

Copacabana Beach, Rio de JaneiroCopacabana Beach

The Copacabana beach stretches for more than 4 kilometres with its picturesque white sand and surf. The beach is bordered by a distinguishing promenade paved in a black and white mosaic style.

Corcavado Mountain, Rio de JaneiroCorcavado Mountain

The summit of this 710-metre high mountain offers unsurpassed panoramic views of the city. At the summit, you’ll also find the iconic 30 metre statue of Cristo Redentor (Christ the Redeemer). This statue is the second largest sculpture in the world and casts an imposing presence watching over the city. A train or taxi is the best way to reach the top of Corcavado.

Sugarloaf Cable Car, Rio de JaneiroSugarloaf Cable car

The Sugarloaf Cable Car is an alternative to Corcavado mountain in terms of gaining an aerial view of Rio de Janeiro. The cableway takes you to the summit of the 396-metre mountain.

The Amazon River and rainforest, AmazonasAmazon River

The Amazon River stretches for 6,400 kilometres and is the second longest in the world, accounting for about one-fifth of the world’s river flow. It is surrounded by half of the world’s remaining rainforest area. Boat tours are a great way to explore the unique Amazonian ecosystem, taking in the wonders of nature and providing the chance to see wildlife like monkeys, jaguars, anacondas, anteaters, otters, and toucans.

The Pantanal in Mato Grosso do SulPantanal

The Pantanal is the world’s largest tropical wetland area, supporting a diverse range of plant and animal species. It has one of the largest jaguar populations in the world.

Iguaza Falls in ParanáIquazu Falls

The Iguaza Falls are located near the border of Brazil and Argentina. There are over 275 waterfalls, the largest being Devil’s Throat, which is U-shaped and has a height of 82 metres. There is a long walkway along the canyon where tourists can take in the breathtaking views.

Jericoacoara in CearáJericoacoara

Also known as “the Brazilian Maldives”, at Jericoacoara you’ll be able to swim in the freshwater lagoons, with its deep blue and green water, and relax afterward in a hammock drinking a cold beverage. You can also watch the sunrise over the ocean, which is a magical experience at this beautiful location.

Dive at Fernando de NoronhaFernando de Noronha

If you’re looking for something a bit off the beaten track, Fernando de Noronha is a World Heritage listed collection of 21 islands, approximately 350 kilometres off the coast of Brazil. The only way you can get there is via a two-day cruise or by booking a seat on a chartered plane. When you arrive, you need to pay a small environmental preservation fee, and you’ll understand why when you get there. It is one of the best dive sites in the world, with incredible visibility in its clear waters.

A good time of year to go √

In August and September, Brazil can be slightly more expensive and crowded. Brazil successfully hosted the 2014 FIFA World Cup, and 2016 Olympics and will have learnt a lot from dealing with the massive influx of tourists from all over the world.

Local school holiday dates in Brazil aren’t as fixed as they are in many other countries, it is up to individual schools to decide. However, with Christianity being the dominant religion in the country, you can expect Easter  and Christmas periods to be school holiday times, with holiday destinations and accommodation within Brazil being more crowded and expensive accordingly.

In terms of seasons, Brazil’s occur at the same time as Australia’s, since both countries are in the southern hemisphere. Its climate is similar to Australia’s, with various areas ranging from desert to tropical, and temperatures varying across the country. In the southern regions of the country it gets cooler in winter, but in other parts of the country temperatures are more even throughout the year. Brazil only has moderate rainfall throughout the year, with most occurring in the summer months.

Getting there and getting around while you’re there √

There are regular flights to both Sao Paulo and Rio de Janeiro (the two largest cities in Brazil) from most capital cities in Australia. It’s a long flight, taking between 29 and 31 hours from the east coast of Australia, based on one quick stopover at a connecting flight destination along the way (such as in Singapore or Dubai). Connecting flights are common for such a long journey. Your total travel time will obviously be affected by the length of any stopovers, so you should plan accordingly.

Within Brazil, there are airports in the major cities of each of its 26 states. Flights between states are relatively short by Australian standards. For example, a flight between the two largest cities of Sao Paulo and Rio de Janeiro takes about 45 minutes. A long flight would be from Rio Grande do Sul in the deep south of the country to Roraima in the far north, which takes approximately 4 and a half hours.

Is it safe?

The Australian government’s official advice from the Department of Foreign Affairs and Trade is that Australians should exercise a high degree of caution when travelling in Brazil. This is because there is a relatively high level of serious crime in the major cities of the country.

This means you should take sensible precautions, like paying close attention to your personal security and belongings at all times. You should also be aware that there is a relatively high level of HIV/AIDS within Brazil, and you should take precautions if engaging in any activities that will expose you to the risk of infection.

In addition, Sao Paulo is currently experiencing a severe drought and has imposed water restrictions and rationing. The quality of available water has also been affected, with people in the city being advised to boil water for sanitation accordingly.

As with travelling to any destination, you should talk to your doctor about appropriate vaccines and preventative medicines before you go. In addition to the routine vaccines, for Brazil you should prevent your chances of contracting any of the following diseases –hepatitis A/B, typhoid, yellow fever and malaria.

Please Share your Brazilian tips, tricks and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

Mobile Phone Options for Travelling Abroad

Mobile Phone

Travelling Abroad requires a lot of planning. Making smart and informed choices regarding your mobile phone is essential. Buying a prepaid sim card for overseas use will definitely save you money while making your daily communication easier with friends, loved ones, and business associates. There are many options available and we have researched and outlined the most popular choices of prepaid sim cards in Australia. Click on the Brands below to visit their website.

It is also important to note that at times it may be easier to simply purchase a prepaid sim card from one of the local mobile carriers in the country that you are visiting. This will likely cut down on costs.

However, if you do not want to lose the practical advantages of having your Australian Prepaid Sim Card with you, then our list below showcases the top mobile carriers and what they have to offer. It is also wise to remember that if your Smartphone is locked to one network it is likely that it will need to be unlocked to use most of these prepaid sims.

Mobile Phone Options for Travelling Abroad – Prepaid Sims

1) Vodafone

5 AUD daily plan For people headed overseas, there is little that could beat the amazing 5 dollars a day roaming plan that Vodafone has. This deal is available on all postpaid plans, including the month to month deals that it offers in Australia. This plan will let you use your plan’s data, voice and text allowance for a flat 5 dollars every day in close to 46 countries all over the world. Examples of countries covered include: New Zealand, The United States, The United Kingdom and other countries in Europe and Asia.

You will also get access to unlimited standard calls to the motherland as well as in the country that you are currently visiting. You will also enjoy free text messages.

For countries that are not in the 5 dollars a day flat rate, you will be charged a flat rate of 1$ per minute for all calls made and 1$ for every megabyte used on the internet. These plans are great for short trips up to 2 weeks. Travelling for long periods can get expensive on these plans if overused.

Vodafone travel sim

2) The Optus 10$ per day Travel Packs

Optus also has great travel packs that will make international roaming hassle free. For example, you will have access to unlimited standard calls and international calls and texts together with 50 MB of data for a flat rate of 10$ every day when in the following areas: New Zealand, The UK, The US, Canada, Asia and Europe.

When your travel pack runs out, charges will be as follows: 1$ per minute for calls, 50 cents for each SMS sent and 50 cents for data. These plans are great for short trips up to 2 weeks. Travelling for long periods can get expensive on these plans if overused.

Optus travel sim

3) Telstra Data Packs

Telstra has the reputation for having the greatest coverage and least black holes in Australia.However, its international roaming rates are not particularly good. For example, Telstra offers 100MB of data at 29$, 85$ for 300 MB and 600 MB for 160$ before topping out at 1GB for 350$. Each data pack is valid for 30 days from the day of activation and can be used in about 50 countries from New Zealand to Canada, Europe, Asia and The US. These plans are designed for longer term travel. When travelling for a minumum of 2-4 weeks these bundle packs become moreappealing and better value as they last for 30 days.

Telstra Prepaid Travel Sim Card

4) Truphone: Local Anywhere

Truphone adds a spanner to the works by allowing an Aussie traveler to view most of the world as a single roaming zone, all while using their local phone numbers. The Truphone World ‘300, plan features 300 voice minutes, 300 SMS and 300MB for 55$ every month. There are similar plans such as 500 plan, 1000 and 2000 plans that are priced at 71.50$, 104.50$ and 159.50$ per month respectively. Truphone is excellent for people who tend to travel to many countries all year round and especially business travelers as it offers local rates and phone numbers to users all on the one sim.

TruPhone Travel Sim Card

5) Woolworth’s Global Roaming Sim Card

For only 29$, you can get the Woolworth global roaming sim card, together with 10$ credit for making phone calls and purchasing data. The sim card is active in over 180 countries, and the fact that you can recharge online is a huge plus for weary travelers who would not want to start looking for scratch cards in the middle of the night. The company also has a page dedicated to comparing rates among all the major sim card companies offering global roaming sim card. As such, you can exercise your judgment in choosing the best card for your purposes. The global data only bundles are also competitive, with 250 MB going for 40$ with a 7-day expiry date, 500 MB for 60$ and 1GB for 90$ both with a 30-day expiry date. Despite being a well recognised brand in Australia and offering good rates there are many stories of the Woolies Sim card not working or being extremely difficult for travelers. Please post your experiences with all Sim cards in the comments below.

Woolworths Global Travel Sim Card

6) Gosim International Sim Card

Get the Gosim international sim card at only 19$ to have access to the following benefits:

a) Calls from 15 cents per minute

b) Have access to more than 195 countries worldwide

c) 10$ credit included, further reducing the cost of acquiring a sim card

d) Enjoy having no connection fees

e) Send text messages at 15 cents per text message

Data rates are competitively priced, starting from 35 cents per MB depending on the country that you are visiting. The company also offers bonus data depending on the type of bundle that you subscribe to. For example, the lite data bundle costing 49$ will give you 65$ value, while the medium data bundle going for 69$ gives you 140$ value and the heavy data bundle pack for 119$ unlocks 360$ worth of data bundles. This represents a credit bonus of 30%, 100% and 200% respectively.

GoSim Mobile Phone Options for Travelling Abroad

7) Australia Post Prepaid Travel Sim

For 24.95$, the Australia Post Prepaid Travel sim will unlock the following for you:

a) One contact number to use in over 190 countries

b) No contract, no minimum spend requirements and no hidden charges

c) Unlimited free web-based SMS to your travel sim

d) 5$ call credit when you buy your travel sim

e) 0.50$ per MB while in Europe

f) 24/7 personal assistant services when you encounter difficulties

g) Loyalty program for airlines and hotels that rewards you with 1 mile for every minute

called.

My girlfriend and I used the option when travelling to America previously. It was easy to reload and reliable to use but the rates for calls, texts and data were not as competitive as other options.

Australia Post Mobile Phone Options for Travelling Abroad

8) TravelSIM

TravelSIM is a roaming service that will give you access to over 190 countries. It is interesting to note that with this sim card, your friends and family will be able to call you toll-free and also send you web-based SMSs. There are no hidden charges, connection charges and flag falls with the TravelSIM. The sim card is prepaid, meaning that you will not see any surprise bills at your front door at the end of the month.

There is a personal assistant service on standby 24/7 that you can call when you experience difficulties. The official website for TravelSIM has a page for frequent travelers to calculate and compare rates while using the prepaid sim card for overseas travel.

The TravelSIM starter pack goes for 49.95$, though it includes a 20$ call credit, which means that its true cost is about 29.95$.

Travel Sim Mobile Phone Options for Travelling Abroad

9) Aussie Sim

The Aussie sim is for travelers visiting popular hotspots such as the UK, Europe, Indonesia, Thailand and Malaysia. The company also claims to have rates that are 95% cheaper than using your Australian mobile phone. It will cost you approximately 24.95$-39.95$ to purchase an Aussie sim card for global travel. This offer comes with free shipping. Being primarily focused on South East Asian countries and Europe this option is aimed at backpackers

The sim card will give you coverage in over 175 countries. The company has an interactive web page where you can calculate call, text and data rates in the country of your choice.

Aussie Sim Mobile Phone Options for Travelling Abroad

Please Share your tips, tricks, and stories in the comments section so that others can benefit on their travels!

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section

Tips and Tricks for Exchanging Travel Money

Tips for Currency Exchange

Exchanging Travel Money

 Credit Cards – Travel Money Cards – Travellers Cheques – Cash

When Exchanging Travel Money we are constantly being bombarded with deals and being told the best way to use our Australian Dollars when we travel. Most of the time it is companies promoting their product as ‘the best’ or ‘the safest’ product for the consumer when their main focus is it exploit travellers with hidden fees and charges.

I have travelled to many countries, changed many currencies, used many types of Bank Cards and even cashed travellers cheques before (yes that’s old school). These experiences always left me feeling that I had been ripped off and that I had lost a lot of money during the process. My aim is to explain the Pros and Cons with each method so travellers can make smart choices and get more when Exchanging Travel Money.

 

Exchanging Travel Money
Image via: sarahardmantravels

 

Credit Cards ‘CC’

  • are dangerous if used without self discipline and this can be amplified when travelling abroad. Banks charge a currency conversation fee, meaning that when you buy in a foreign currency the bank of the CC will take between 0.5% – 3% of the purchase price as a fee. Eg: if you buy a 200 USD pair of shoes in New York on your Australian CC with a 2% fee, you pay an extra $5.50 AUD just for using your card. If you like swiping your card these fees will quickly accumulate.
  • You are locked into the banks exchange rate with the currency you purchase in and this is often unfavourable for the traveller
  • Credit Card fraud is more common outside of Australia and I have many friends who have been scammed for thousands of dollars (feel free to post your story in the comments section)
  • One benefit (depending on your type of card) is that these purchases both in Australia and abroad can contribute to Frequent Flyers points and bonuses that can be used at a later date.
  • Please visit our article on Credit Cards and Frequent Flyer points for more information on Australian Credit Cards

 

Travel Money Cards ‘TMC’

This type of Bank Card acts similar to a Debit Card in that you preload your card with however much ‘cash’ you would like and once you it runs out you will need to add more usually from your internet banking. Many of these cards allow you to set specific currencies ahead of time so that travellers can see how much of a local currency they have in their account. In facilitating this convenience to its customers, banks take various fees and charges. Like Credit Cards, many banks will charge a currency conversion fee for your transaction also while using travel money cards.

Please read our article on different Travel Money Cards which breaks down the fees and charges you will encounter and also the benefits of this type of card.

Cash

As the old saying goes. Cash is King. In my experiences as a traveller, CASH will give you best value for your Australia Dollar.

But what does that mean?

Do I carry Australian dollars to another country?

Or do I buy foreign currency before I go?

Where should I do this?

And most of all…is it safe?

Most of us who travel abroad will have little experience in exchanging travel money to and from Australian Dollars. This can make for an uncomfortable experience, especially in a foreign country and often feels like it is bordering on some type of illegal activity. This is not the case and problems rarely arise when following some simple steps to keep safe and get the best rates.

 

Exchanging Travel Money
Image: http://www.travel-money.com.au

In Australia:

Banks and foreign exchange shops are commonly used and found in all major areas of the country with the majority located in big cities and close to the tourist hot spots. These are all safe and secure but offer various rates for different currencies. Travelex offers best rate guarantees on many currencies but negotiating is key when making a transaction and smaller, independent FOREX places can call their bosses and ask for a better rate than what is advertised. Things to keep in mind when Exchanging Travel Money.

  • Always use foreign exchange that is situated in safe and visible street location
  • Play different FOREX places against each other to get the lowest rate
  • Travelex and small independent venues have ability to lower rates beyond advertised market rates
  • Check our currency converter for same day median rates and aim to get as close to that as possible (top right of homepage)
  • The larger amount of money you exchange the more negotiating power you have
  • NEGOTIATING is key. If you do not ask for a better rate then you will not receive one

Overseas

Many of the tips that apply within Australia will also apply in foreign countries. Changing money in a secure, safe and open location is a priority in any countries where crime an increased concern. Also being aware that people may be watching you and taking care of your bags and belongings is always a good idea. Using the room safe to keep your cash, passport or other valuables is also highly recommended. Just don’t forget your belongings when you checkout!

AUD is readily accepted in almost all foreign destinations with the best returns coming from checking our currency converter rates, changing larger amounts of cash and negotiating for every last peso, yuan, dinar, lira or dollar.

Bringing Money back to Australia

A few years ago on the rare occasion that I had money left over in a foreign currency I would be madly exchanging it at the airport a few minutes before departing on my flight home. This resulted in me taking whatever rate was available and not giving it a lot of thought as to how I could better use my leftover cash.

Nowadays I bring home my foreign cash instead of losing out to the FOREX places. If I bring $200 USD back from the states to Australia I will simply save it and change it with a friend (or a friend of a friend) who is travelling in the next few months. This benefits both parties because neither have to pay fees for exchanging money.

Of course, I would probably not bother to bring Nigerian Naira back to Australia but currencies from places like Indonesia, the United States, Thailand, Hong Kong and Euros can be easily sold to someone you know or possibly saved if you plan on returning to the same destination in the future.

Travellers Cheques

With modern technology and increased security in the digital age this form of currency exchange has been largely fazed out and is not widely used. I would not recommend buying travel cheques but if you would like to use this method then talking with your bank is a must.

Changing currency when travelling is often a difficult and frustrating experience. By following these steps you can tackle this stressful task confidently and with the knowledge that you are not being ripped off.

If you have any suggestions for exchanging travel money please comment below and share your experiences in the comments below

*We aim to provide up to date content and information but care should always be taken when purchasing products from retailers. If any information provided is no longer correct then please email us at optimisetravelaustralia@gmail.com or post in the comments section.