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The Ultimate Guide to Spending Your Money Around the World

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Are you planning to travel overseas? If so, not only will you need to know how far your money goes in different countries, but you also need to figure out your travel budget. To help you out, GOBankingRates surveyed 43 popular travel destinations for the cost of dinner for two from Numbeo.com and the exchange rate from Google Finance (except for Cuban currencies, which were sourced from the XE Currency Converter).

Whether you’re traveling to Canada or Europe, use this travel guide to learn currency exchange rates, where to buy foreign currency, how much to tip and much more. Click through to learn how to prepare yourself for your trip abroad.

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Argentina

  • Argentine currency: Argentine peso (ARS)
  • Argentina exchange rate: 1 Argentine peso = 0.017 USD
  • Cost of dinner for two: $17.28

From the rugged mountains of Patagonia to the rich cosmopolitan metropolis of Buenos Aires, Argentina is a fairly inexpensive destination, so plan your visit before it joins the list of travel hot spots that are becoming expensive. According to BudgetYourTrip.com, the average daily cost when traveling in Argentina is only $49.

Where to exchange currency in Argentina: It’s a good idea to exchange your money as soon as you arrive. If you fly into Buenos Aires, you should find a branch of the Banco de la Nación in the arrivals area of the airport, where you can exchange your currency at the market rate, according to Trip Advisor.

Credit cards accepted in Argentina: Major credit cards are generally accepted, but smaller businesses might not accept your card, according to Frommer’s, an online travel guide. Plus, you might get a better price if you pay with cash. ATMs are also widely available in Buenos Aires and tourist areas.

Argentina tipping etiquette: Tipping isn’t mandatory in Argentina, but a 10 percent to 15 percent gratuity is desirable at most restaurants, according to Trip Advisor.

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Australia

  • Australian currency: Australian dollar (AUD)
  • Australia exchange rate: 1 Australian dollar = 0.67 USD
  • Cost of dinner for two: $53.86

Compared to other countries on this list, the U.S. dollar isn’t as strong in Australia. The average daily cost in this country is $190, according to Budget Your Trip. But with beautiful beaches, thrilling adventures and fascinating creatures, your trip to Australia can be one of those life-changing trips that are worth the cost.

Where to exchange currency in Australia: Because of unfavorable rates, Trip Advisor suggests that the best way to get Australian dollars is to withdraw them from an ATM. You can also exchange your currency at banks, hotels and international airports, according to the official Australian tourism website.

Credit cards accepted in Australia: You should be able to use your MasterCard and Visa cards in Australia. However, Frommer’s notes that American Express is less common.

Australia tipping etiquette: Although tipping is not uncommon, it’s also far from mandatory, so you shouldn’t feel obligated to tip. According to Australia’s tourism website, it’s customary to tip 10 percent at “upmarket restaurants.”

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Bahamas

  • Bahamian currency: Bahamian dollar (BSD)
  • Bahamas exchange rate: 1 Bahamian dollar = 1 USD
  • Cost of dinner for two: $67.50

A ravishing tropical paradise a stone’s throw away from Florida, the Bahamas is one of the best beach getaways you can take. It certainly doesn’t hurt that the U.S. dollar is essentially universally accepted. The average daily cost in the Bahamas is $124, according to Budget Your Trip.

Where to exchange currency in the Bahamas: If you do decide to use Bahamian dollars, withdrawing from ATMs is likely the best way to exchange your currency.

Credit cards accepted in the Bahamas: Most shops accept credit cards, although the Straw Market and some smaller venues tend to only take cash, according to Trip Advisor. Be prepared that some businesses might not accept your credit card unless it has a computer chip, according to Frommer’s.

Bahamas tipping etiquette: Expect a 15 percent gratuity to be added to your bill automatically at restaurants, according to Trip Advisor. It’s customary to tip bellboys and porters around $1 per bag, according to Bahamas.com.

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Belgium

  • Belgian currency: Euro (EUR)
  • Belgium exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $66.34

Home to beautiful historic cities like Ghent and Bruges, Belgium is one of the many countries that uses the euro as its primary currency. Expect to spend an average of $119 per day in this country, according to Budget Your Trip.

Where to exchange currency in Belgium: Changing your dollars to euros is a pretty simple task in Belgium, with currency exchange offices located at major rail stations and banks. You can also exchange your currency at the airport, but Frommer’s reports that this is best avoided because of lackluster exchange rates.

Credit cards accepted in Belgium: ATMs are common in the region, and credit cards are widely accepted — especially Visa and MasterCard. American Express is often accepted, too.

Belgium tipping etiquette: Tipping is not a common practice, according to Trip Advisor. And some businesses, including restaurants and taxis, will often include a service charge in the bill rather than expecting an additional tip.

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Belize

  • Belizean currency: Belize dollar (BZD)
  • Belize exchange rate: 1 Belize dollar = 0.50 USD
  • Cost of dinner for two: $17.36

With a favorable exchange rate, Belize is a great country to visit on the cheap. The average daily cost is only $62, according to Budget Your Trip.

Where to exchange currency in Belize: You can get Belizean currency through ATMs, which are common in major cities and towns. Just be sure to exchange your leftover Belizean currency back to U.S. currency before you leave. Trip Advisor points out that it can be nearly impossible to exchange outside the country.

Credit cards accepted in Belize: Credit cards are typically accepted in bigger cities and towns. But in smaller villages, you’ll want to have cash on you.

Belize tipping etiquette: Leaving a 15 percent tip is common practice, much like in the U.S.

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Brazil

  • Brazilian currency: Brazilian real (BRL)
  • Brazil exchange rate: 1 real = 0.24 USD
  • Cost of dinner for two: $23.98

Pristine rainforests, far-flung villages, multicultural cities — Brazil has something to offer nearly every traveler. It also offers a favorable exchange rate, and the average daily cost is $71, according to Budget Your Trip.

Where to exchange currency in Brazil: ATMs are pretty common in Brazil, according to Frommer’s. But it could be a good idea to change your dollars to Brazilian reals before you leave the U.S. According to Trip Advisor, you can typically find the best rates online, in supermarkets and through travel agents. You might be able to snag a good rate through your credit card as well, according to Frommer’s.

Credit cards accepted in Brazil: Frommer’s advises that Visa and MasterCard are the most commonly accepted cards in Brazil. Your American Express card is often accepted, as well.

Brazil tipping etiquette: Tipping is not expected in Brazil, according to Trip Advisor. However, it is fairly common to reward truly exceptional service with a gratuity.

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Canada

  • Canadian currency: Canadian dollar (CAD)
  • Canada exchange rate: 1 Canadian dollar = 0.75 USD
  • Cost of dinner for two: $48.91

Boasting awe-inspiring natural attractions and a favorable exchange rate, a Canadian vacation might be at the top of your bucket list. Keep in mind you’ll need an average of $181 per day when visiting, according to Budget Your Trip. So make sure you visit the best places in Canada that are worth the price.

Where to exchange currency in Canada: The most efficient way to exchange currency in Canada is through an ATM, according to Frommer’s. However, establishments will often let you pay in U.S. dollars.

Credit cards accepted in Canada: Many Canadian businesses will accept your U.S. credit cards, with Visa and MasterCard being the most common cards. American Express is typically accepted at tourist hotels and restaurants, according to Frommer’s.

Canada tipping etiquette: It’s recommended that you tip 15 percent to 20 percent at restaurants, according to Trip Advisor. For other select services, like taxi drivers and hairdressers, 10 percent is an acceptable minimum.

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Chile

  • Chilean currency: Chilean peso (CLP)
  • Chile exchange rate: 1 Chilean peso = 0.0014 USD
  • Cost of dinner for two: $36.76

From skiing down snowy mountains to sandboarding the desert dunes, plenty of adventures await you in Chile. The average daily price for traveling in Chile is $104 according to Budget Your Trip. Although some experiences in Chile can be costly, they’re worth it — especially if you consider yourself a daredevil.

Where to exchange currency in Chile: To get the best exchange rate, go to exchange houses, recommends Trip Advisor. You can find ATMs at banks, shopping centers, subway stations, gas stations and more in the larger cities.

Credit cards accepted in Chile: The major credit cards — Visa, MasterCard and American Express — are generally accepted throughout the country, according to Frommer’s. But beware that you might get hit with a 2 percent to 4 percent service fee at some establishments if you use a card instead of cash.

Chile tipping etiquette: Tipping is common, but be sure to tip in Chilean pesos, states Trip Advisor. Restaurants will likely add a 10 percent service charge to your bill.

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China

  • Chinese currency: Yuan (CNY)
  • China exchange rate: 1 yuan = 0.14 USD
  • Cost of dinner for two: $20.99

Foreign currencies are accepted only at some high-end retailers in China, according to Trip Advisor. For your trip to China, plan to budget around $65 per day, according to Budget Your Trip. And make sure you have Chinese yuan on you.

Where to exchange currency in China: The China National Tourist Office website suggests exchanging at least a small amount of money in your country before getting to China. Banks are typically the best places for currency exchange. However, Frommer’s recommends that for trips to Mainland China, the best way to exchange your U.S. dollars to yuan is at the airport, followed by Bank of China branches.

Credit cards accepted in China: Certain hotels, upscale shops and restaurants will accept credit cards, according to Frommer’s. But according to Trip Advisor, credit cards without the “UnionPay” symbol are typically not accepted at stores and restaurants.

China tipping etiquette: Tipping is generally uncommon and not expected in China, with the exception of tour guides. They rely on tips for a large portion of their income, according to Trip Advisor.

 

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Costa Rica

  • Costa Rican currency: Colon (CRC)
  • Cost Rica exchange rate: 1 colon = 0.0018 USD
  • Cost of dinner for two: $37.78

American currency is typically accepted in Costa Rica, but you can also use the Costa Rican colon if you prefer, according to Trip Advisor. The average daily cost in Costa Rica is $75, according to Budget Your Trip. And, if you want to go on an affordable, yet adventurous trip, this country might be a good option for you.

Where to exchange currency in Costa Rica: It might be best to exchange your currency before you arrive, since lines at banks tend to be long and traveler’s checks are difficult to use. But if you wait until you get to Costa Rica, you’ll typically find the best rates at the ATM, according to Trip Advisor.

Credit cards accepted in Costa Rica: Most hotels and restaurants accept MasterCard, Visa and American Express credit cards, reports Frommer’s.

Costa Rica tipping etiquette: A small service charge is typically added to your bill in most Costa Rican restaurants, so there’s no need to add an additional tip unless you received exceptional service. According to Trip Advisor, it’s more common to tip for other services, including room service and housekeeping in your hotel.

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Cuba

  • Cuban currency: Cuban peso (CUP) | Cuban convertible peso (CUC)
  • Cuba exchange rate: 1 Cuban peso = 1 USD
  • Cost of dinner for two: $22.50

Now that Cuba is open to U.S. travel, you can expect it to be a major tourist destination in the coming years. The average daily price for Cuban travel is $17, according to Budget Your Trip. If you want to visit, make sure you plan a low-cost vacation with these tips.

Where to exchange currency in Cuba: Two currencies are used in Cuba. The Cuban peso is used predominately by locals, while the Cuban convertible peso is more commonly used by tourists. In either case, you should only exchange your currency at official exchange bureaux or banks to avoid scams that take advantage of tourists who are unaware of the differing exchange rates between the two currencies, recommends Trip Advisor.

Credit cards accepted in Cuba: You’ll find that you can use some major credit cards including Visa and MasterCard. However, it’s recommended that you always carry some cash, according to CubaTravel.cu.

Cuba tipping etiquette: Outside of major all-inclusive resorts, tipping is not a common practice in Cuba, according to Trip Advisor.

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Czech Republic

  • Czech currency: Czech koruna (CZK)
  • Czech Republic exchange rate: 1 Czech koruna = 0.043 USD
  • Cost of dinner for two: $25.62

The Czech Republic is expected to one day shift to the euro, but there is no target date, according to the European Commission website. So for now, you’ll likely be using the koruna on your vacation. The average daily cost when visiting the Czech Republic is $83, according to Budget Your Trip.

Where to exchange currency in the Czech Republic: The best way to exchange your currency in the Czech Republic is to use a bank or an ATM instead of exchange offices, according to Trip Advisor.

Credit cards accepted in the Czech Republic: In Prague, quite a few shops, restaurants and hotels will accept a credit card. But it’s wise to keep cash handy, since some establishments might require a minimum purchase amount, according to Frommer’s.

Czech Republic tipping etiquette: When you’re dining out at “upmarket” restaurants, keep in mind that a tip of at least 10 percent is expected, according to CzechTourism.com.

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Denmark

  • Danish currency: Danish krone (DKK)
  • Denmark exchange rate: 1 krone = 0.15 USD
  • Cost of dinner for two: $81.57

The Danish krone, referred to as a “kroner,” is the standard unit of currency across Denmark. Budget Your Trip suggests you might need around $179 per day, on average, when visiting Denmark. If you don’t want to go broke while on your European vacation, use smart savings strategies to save up enough money.

Where to exchange currency in Denmark: ATMs are easy to find in Denmark — just about every major bank has one, according to Trip Advisor — and it might be the most efficient way to get money during your trip. Avoid the small money-changers in Copenhagen, which tend to be more expensive.

Credit cards accepted in Denmark: Credit cards are accepted at most shops, restaurants and hotels. But be prepared if the establishment charges you an extra fee for using your card, advises Denmark’s official tourism site.

Denmark tipping etiquette: Tipping customs can vary in Denmark. At restaurants, you’ll likely see the service charge included in the meal price. But, it’s still customary to leave an additional tip up to 10 percent if you’re especially satisfied with the service, according to Trip Advisor.

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Estonia

  • Estonian currency: Euro (EUR)
  • Estonia exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $44.24

With an average daily price of $70, your trip to Estonia shouldn’t put too much of a dent in your wallet. In fact, if you enjoy your trip so much that you’d consider moving there, you’re in luck — Estonia is one of the cheapest countries to live in, found a recent GOBankingRates study.

Where to exchange currency in Estonia: You should be able to get euros at any bank in Estonia, especially in Tallinn, according to Trip Advisor. ATMs are typically the easiest way to get local currency. Be aware that traveler’s checks are difficult to exchange.

Credit cards accepted in Estonia: Most major businesses will accept Visa and MasterCard.

Estonia tipping etiquette: Trip Advisor states that Estonia has no hard and fast rules for tipping. But if you liked your service, feel free to leave an additional 10 percent.

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Finland

  • Finnish currency: Euro (EUR)
  • Finland exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $66.36

If seeing the northern lights is on your bucket list, or if you’re overdue for a European ski getaway, a trip to Finland might be necessary. Plan to budget around $136 per day, on average, according to Budget Your Trip.

Where to exchange currency in Finland: Finland uses the euro just like its neighbor Estonia. The best way to get cash might be an ATM, according to Frommer’s. ATMs are common in Finland and often include instructions in English, according to Trip Advisor.

Credit cards accepted in Finland: Credit cards are very widely used throughout the country, including Visa, MasterCard and American Express.

Finland tipping etiquette: Tipping is generally not expected in Finland, according to Trip Advisor. Feel free to tip a server or driver for truly exceptional service, but don’t be surprised if the extra money is politely declined.

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France

  • French currency: Euro (EUR)
  • France exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $55.30

Your trip to France could cost you a pretty penny, with the average daily trip costing about $164, according to Budget Your Trip. Luckily, there are plenty of free things to do in Europe and France, which should help you save money on your trip.

Where to exchange currency in France: Trip Advisor recommends asking your bank if it has associated banks in France, because you can usually get better exchange rates by withdrawing from a bank ATM rather than exchanging your currency at an airport or train station. ATMs are common in major population centers, but you likely won’t find them in many small villages.

Credit cards accepted in France: Credit cards are accepted at most major businesses, but it’s wise to carry cash as well. Also, many smaller shops in rural areas — as well as bed and breakfasts — won’t take your credit card.

France tipping etiquette: Tipping in France is not entirely out of the ordinary, but be aware that a service charge of typically 15 percent is included on the bill at almost all restaurants. It’s recommended that you tip taxi drivers 10 percent to 15 percent of the fare.

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Germany

  • German currency: Euro (EUR)
  • Germany exchange rate: 1 euro = 1.06 USD
  • Cost of dinner for two: $49.77

When planning a trip to Germany, expect to spend an average of $118 per day, per person. The most expensive part of your trip might be your hotel costs. According to Budget Your Trip, a couple can expect to spend an average of $112 per day on a hotel. So it pays to know the insider secrets to saving money on hotels before you book a room.

Where to exchange currency in Germany: To exchange currency in Germany, visit the main bank branches or use an ATM — called a bankomat in Germany, according to Trip Advisor. ATMs are quite common, but it’s best to use a bank’s main service branch, where the fees might be lower than ATM fees at railway stations or convenience stores.

Credit cards accepted in Germany: Frommer’s notes that American Express, MasterCard and Visa are commonly accepted. Before you embark on your trip, double-check your credit card’s travel-related fees.

Germany tipping etiquette: Menu prices typically include service charges in Germany, so tipping is not required. However, feel free to round up your bill, or add 5 percent to 10 percent, states Trip Advisor.

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Greece

  • Greek currency: Euro (EUR)
  • Greece exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $38.16

Whether you want to explore fascinating ancient ruins or relax on a world-class beach, it’s important to know how much your Greek vacation will cost you. According to Budget Your Trip, the average daily cost in Greece is $125.

Where to exchange currency in Greece: You can get euros from the ATM in Greece, but be aware that some airports might not have ATMs inside, according to Trip Advisor. Even if the airport has a few ATMs, you might want to convert a few dollars to euros before you leave the U.S. in case the machines are out of order or out of cash, recommends Frommer’s.

Credit cards accepted in Greece: Credit cards — including Visa and MasterCard — are widely accepted in Greece, according to Frommer’s.

Greece tipping etiquette: It’s fairly common to tip 5 percent to 10 percent at restaurants, reports Condé Nast Traveler. You can tip porters 1 euro per bag and 1 euro per day for housekeepers.

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India

  • Indian currency: Indian rupee (INR)
  • India exchange rate: 1 rupee = 0.014 USD
  • Cost of dinner for two: $9.76

With an average daily cost of only $29, according to Budget Your Trip, India is one of the more affordable countries on this list.

Where to exchange currency in India: Getting funds from an ATM once you arrive in India might be the best way to go, according to Frommer’s. You’ll find an ATM in most cities and in larger towns, but some might have withdrawal limits. Banks are also known to have good exchange rates, but they can be “inefficient.”

Credit cards accepted in India: According to Frommer’s, Visa and MasterCard are generally accepted throughout the country. Most major hotels and restaurants typically accept American Express, as well.

India tipping etiquette: Tipping is commonplace in India for many services, but visitors should not feel as though they are expected to tip taxi drivers, according to Trip Advisor. In cafes and restaurants, a 5 percent to 10 percent gratuity is considered an acceptable tip.

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Ireland

  • Irish currency: Euro (EUR)
  • Ireland exchange rate: 1 euro = 1.06 USD
  • Cost of dinner for two: $61.92

Euros are the norm in Ireland. The exception is Northern Ireland, where the British pound sterling is the more common currency. Expect to budget around $119 per day, on average, according to Budget Your Trip.

Where to exchange currency in Ireland: Trip Advisor states that ATMs are located outside most bank branches in Ireland, providing convenience and, typically, the best rates.

Credit cards accepted in Ireland: Credit cards are generally accepted, though you might have a hard time finding businesses that accept American Express. And keep in mind that smaller, rural establishments might not accept any cards, according to Frommer’s.

Ireland tipping etiquette: Ireland doesn’t have a big tipping culture, according to Trip Advisor. But feel free to leave up to 10 percent if you’re very satisfied with the service.

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Israel

  • Israeli currency: Israeli shekel (ILS)
  • Israel exchange rate: 1 shekel = 0.28 USD
  • Cost of dinner for two: $62.29

The average daily price for travel in Israel is $99, according to Budget Your Trip. Exchanging your money in Israel is relatively simple. However, Trip Advisor recommends not bringing traveler’s checks — money changers might not change them and banks tend to charge high transaction fees.

Where to exchange currency in Israel: ATMs offer standard rates, which can beat the rates at exchange counters at the airport, according to Frommer’s.

Credit cards accepted in Israel: American Express, MasterCard and Visa are commonly accepted in Israel.

Israel tipping etiquette: Tipping etiquette in Israel resembles that of the U.S. Tipping 10 percent to 15 percent is generally expected at Israeli restaurants and cafes, with 12 percent being the average, according to Trip Advisor. Taxi drivers, on the other hand, do not expect a tip.

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Italy

  • Italian currency: Euro (EUR)
  • Italy exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $55.29

Budget around $137 per day for your trip to Italy, recommends Budget Your Trip. But to protect your money, watch out for common tourist scams, including pickpocketing, according to TravelScams.org.

Where to exchange currency in Italy: You might experience some difficulty when exchanging foreign currency in Italy. According to Trip Advisor, exchange bureaus often charge excessive fees. And cash and change storefronts in Italy might not clearly post the exchange rate for smaller transactions.

In this case, an ATM might be your best bet. It’s also recommended that you have euros on hand before you head to Italy.

Credit cards accepted in Italy: Bigger businesses often accept credit cards. Just check for the credit card logos posted on the establishments’ front windows, advises Trip Advisor.

Italy tipping etiquette: When in doubt about how much to tip in Italy, just round up your bill with a couple of euros, recommends Trip Advisor. Tips are appreciated among hotel porters and taxi drivers.

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Jamaica

  • Jamaican currency: Jamaican dollar (JMD)
  • Jamaica exchange rate: 1 Jamaican dollar = 0.0073 USD
  • Cost of dinner for two: $43.98

In Jamaica, many tourist hot spots will accept both U.S. dollars and Jamaican dollars, according to Trip Advisor. So it’s possible to enjoy your vacation without having to worry about converting your money. However, it’s still recommended to have Jamaican dollars on you. The average daily price when visiting Jamaica is $115, according to Budget Your Trip.

Where to exchange currency in Jamaica: Change stores in Jamaica, called cambios, can be good places to exchange money. Trip Advisor recommends turning to cambios, commercial banks and hotels. Frommer’s warns that relying on ATMs can be “risky” in terms of safety.

Credit cards accepted in Jamaica: Most hotels, resorts and larger stores will accept credit cards, especially Visa and MasterCard. American Express, however, is only generally acceptable at bigger hotels and a few shops.

Jamaica tipping etiquette: Some hotels and restaurants include service charges on their bills. It’s common to tip taxi drivers and airport drivers 10 percent to 15 percent. Bellhops and housekeeping personnel expect tips, too, but you should be aware that all-inclusive hotels in Jamaica often prohibit tipping, according to Trip Advisor.

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Japan

  • Japanese currency: Yen (JPY)
  • Japan exchange rate: 1 yen = 0.0094 USD
  • Cost of dinner for two: $37.56

From the dazzling neon lights and skyscrapers in Tokyo to the beautiful gardens and shrines in Kyoto, Japan offers something exciting for everyone. Plan to bring around $122 per day, which is the average daily price when traveling in Japan, according to Budget Your Trip.

Where to exchange currency in Japan: It’s recommended that you don’t buy Japanese yen before getting to Japan because you’ll likely get poor exchange rates and high commission fees, according to Trip Advisor. There are typically three currency exchange options: Bank and airport foreign exchange counters, post office ATMs and JUSCO stores.

Credit cards accepted in Japan: MasterCard and Visa are among the “most readily accepted cards” in Japan, according to Frommer’s. Tourist areas also tend to accept American Express.

Japan tipping etiquette: Japan doesn’t have a big tipping culture. In fact, according to Trip Advisor, Japanese workers will often politely turn down a tip.

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Kenya

  • Kenyan currency: Kenyan shilling (KES)
  • Kenya exchange rate: 1 shilling = 0.0097 USD
  • Cost of dinner for two: $28.96

Kenya can be an affordable travel destination. According to Budget Your Trip, the average daily price in Kenya is only $116.

Where to exchange currency in Kenya: If you’re worried about security, changing money at the bank and ATMs might be the best route, though banks tend to be busy and slow, notes Trip Advisor. If you want convenience and historically better exchange rates, go to a Forex booth.

Credit cards accepted in Kenya: Generally, you can use your credit card at hotels, upscale shops and restaurants, advises Frommer’s. You can also use it to pay for a safari. It’s recommended that you bring a Visa card or MasterCard on your trip.

Kenya tipping etiquette: In Kenya, you should tip based on what you think is appropriate, but bear in mind that Kenyan travel industry workers rely heavily on tips, according to Trip Advisor. Tips for airport drivers, bartenders, waiters and pool attendants generally range from anywhere between 50 to 200 shillings.

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Malaysia

  • Malaysian currency: Ringgit (MYR)
  • Malaysia exchange rate: 1 ringgit = 0.24 USD
  • Cost of dinner for two: $14.22

When it comes to affordability, Malaysia is one of the best travel destinations. The average daily cost in this country is only $72, according to Budget Your Trip.

Where to exchange currency in Malaysia: You shouldn’t try exchanging dollars to ringgits before leaving the U.S., according to Trip Advisor. The best place to exchange currency is at Forex booths, which clearly display daily exchange rates.

Credit cards accepted in Malaysia: Many shops, restaurants and hotels accept credit cards, including American Express, MasterCard and Visa, according to Frommer’s.

Malaysia tipping etiquette: There’s no formal tipping etiquette in Malaysia, but restaurants and other service providers typically include a 10 percent service charge on your bill, according to Trip Advisor. Still, it’s pretty common to tip servers at restaurants and clubs.

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Mexico

  • Mexican currency: Mexican peso (MXN)
  • Mexico exchange rate: 1 peso = 0.050 USD
  • Cost of dinner for two: $22.34

Whether you want to party in Cancun or get some much-needed rest and relaxation in Tulum, make sure you’re financially prepared to visit Mexico. The average daily cost is only $48, according to Budget Your Trip. But if you want to save more money, watch out for Mexico’s hidden expenses.

Where to exchange currency in Mexico: ATMs typically offer the best currency exchange rates, according to Trip Advisor. But be wary of ATMs in remote or questionable locations to avoid getting your card “skimmed,” recommends Frommer’s.

Credit cards accepted in Mexico: Your Visa, MasterCard or American Express card should be accepted at most hotels, restaurants and stores in Mexico, according to Frommer’s.

Mexico tipping etiquette: Tipping etiquette in Mexico is comparable to the U.S. Depending on the size of your party, Trip Advisor recommends you should tip 10 percent to 15 percent of the bill at restaurants. For hotel housekeeping, tip 50 to 90 pesos per bedroom. And for tour guides, tip about 90 pesos.

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Netherlands

  • Dutch currency: Euro (EUR)
  • Netherlands exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $66.35

When traveling in the Netherlands, you’ll need about $137 per day, on average, according to Budget Your Trip. To lower the cost of your trip, look for ways to save money on hotels.

Where to exchange currency in the Netherlands: If you want to exchange U.S. dollars for euros, avoid airport currency exchange offices and hotels, advises Frommer’s. ATMs are pretty common, and certain airport ATMs could be a better choice for changing money versus the airport’s exchange offices.

Credit cards accepted in the Netherlands: Plan to swipe your Visa and MasterCard in this country. According to Frommer’s, American Express cards are often accepted in the “middle- and upper-bracket category.”

Netherlands tipping etiquette: Tipping 15 to 20 percent at restaurants is uncommon in the Netherlands, according to Fodor’s Travel. Instead, round up to the nearest 2 or 4 euros for larger bills and the nearest euro for smaller bills.

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New Zealand

  • New Zealand currency: New Zealand dollar (NZD)
  • New Zealand exchange rate: 1 New Zealand dollar = 0.63 USD
  • Cost of dinner for two: $53.65

New Zealand isn’t necessarily the most budget-friendly travel destination. According to Budget Your Trip, the average daily cost is $115.

Where to exchange currency in New Zealand: ATMs are generally the best place to exchange currency, according to Trip Advisor.

Credit cards accepted in New Zealand: When visiting major businesses, your MasterCard and Visa will likely be accepted, according to Frommer’s. Your American Express card will likely be accepted in major tourist areas and centers, but not in the smaller towns.

New Zealand tipping etiquette: Tipping in New Zealand isn’t that common unless service is especially good, according to Trip Advisor. In such cases, Frommer’s states tipping 5 percent to 10 percent is sufficient.

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Portugal

  • Portuguese currency: Euro (EUR)
  • Portugal exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $33.18

Traveling in Portugal can set you back, on average, $110 a day, according to Budget Your Trip.

Where to exchange currency in Portugal: Portugal offers many places to change money, although ATMs could be the best place to start. The bureaux located in larger towns might offer some of the best exchange rates and commissions, according to Trip Advisor.

Credit cards accepted in Portugal: If your credit card doesn’t have a chip, it might not be accepted at some establishments, according to Frommer’s.

Portugal tipping etiquette: Portugal has a strong tipping culture, according to Trip Advisor. Tip hotel and restaurant servers around 10 percent. It’s fairly common to tip taxi drivers by rounding up to the nearest 5 or 10 euros, but 1 to 2 euros is sufficient for bellhops.

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Singapore

  • Singapore currency: Singapore dollar (SGD)
  • Singapore exchange rate: 1 Singapore dollar = 0.72 USD
  • Cost of dinner for two: $43.22

The average cost to travel in Singapore is $115 per day, according to Budget Your Trip.

Where to exchange currency in Singapore: Seek out Singapore’s well-known money-changing centers, according to TheBestSingapore.com. Avoid exchanging currency at banks, hotels and shops, recommends Frommer’s.

Credit cards accepted in Singapore: Your major credit card should be accepted at hotels, restaurants and shops, according to Frommer’s.

Singapore tipping etiquette: High-end hotels and restaurants typically charge a 10 percent service fee, according to Fodor’s Travel.

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South Africa

  • South African currency: Rand (ZAR)
  • South Africa exchange rate: 1 rand = 0.065 USD
  • Cost of dinner for two: $32.62

When budgeting day-to-day expenses, keep in mind the average daily cost of traveling in South Africa is $88, according to Budget Your Trip. Luckily, some exciting tourist adventures cost less than $100 in South Africa.

Where to exchange currency in South Africa: The best places to exchange foreign currency in South Africa are ATMs, according to Frommer’s. You can also exchange currency at banks, followed by hotels and exchange bureaus.

Credit cards accepted in South Africa: Visa is the most accepted credit card choice in the region, according to Frommer’s.

South Africa tipping etiquette: For tour guides and tour drivers, tip between 10 and 15 rand, recommends Trip Advisor. But for restaurants and bars, 10 percent of the bill is a normal tip. It’s common to tip hotel housekeeping 50 rand per day.

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South Korea

  • South Korean currency: South Korean won (KRW)
  • South Korea exchange rate: 1 won = 0.00083 USD
  • Cost of dinner for two: $33.11

Your trip to South Korea might cost you $90 per day, on average, according to Budget Your Trip.

Where to exchange currency in South Korea: There are plenty of foreign currency exchange locations in South Korea, but bank ATMs usually offer the best exchange rates for travelers, according to Trip Advisor.

Credit cards accepted in South Korea: Major hotels, stores and restaurants typically accept Visa, American Express and MasterCard, according to Frommer’s.

South Korea tipping etiquette: Many people and businesses don’t expect to be tipped. Hotels typically add a 10 percent service charge in addition to the 10 percent value-added tax, according to Trip Advisor.

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Spain

  • Spanish currency: Euro (EUR)
  • Spain exchange rate: 1 euro = 1.11 USD
  • Cost of dinner for two: $38.70

Known for having some of the most beautiful beaches in the world, as well as delicious food and historic landmarks, Spain can be an affordable destination — if you make a budget and save money beforehand. According to Budget Your Trip, the average daily cost in this country is $125.

Where to exchange currency in Spain: ATMs are most likely the best places to get cash in Spain in terms of convenience and availability, according to Trip Advisor. You can also exchange money at banks and bureaux de change.

Credit cards accepted in Spain: Similar to Portugal, some establishments might not accept your credit card unless it has a chip in it, according to Frommer’s.

Spain tipping etiquette: Tipping is appreciated in Spain, according to Trip Advisor. Rounding up to the closest whole euro is standard tipping etiquette, though you should tip around 10 percent at higher-end restaurants.

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Sweden

  • Swedish currency: Swedish krona (SEK)
  • Sweden exchange rate: 1 krona = 0.10 USD
  • Cost of dinner for two: $61.34

With an average daily cost of $121, your trip to Sweden can become expensive, so consider setting a sound budget.

Where to exchange currency in Sweden: You can exchange currency at Forex and Xchange exchange offices, according to Trip Advisor. ATMs are common in major cities.

Credit cards accepted in Sweden: For the most part, credit cards are widely accepted. American Express, however, is not as commonly accepted as Visa or MasterCard, according to Trip Advisor.

Sweden tipping etiquette: Tipping etiquette in Sweden depends on the situation. It’s not mandatory, but if you wish to tip, simply round the bill up 5 percent to 10 percent, according to Trip Advisor.

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Switzerland

  • Swiss currency: Swiss franc (CHF)
  • Switzerland exchange rate: 1 franc = 1.01 USD
  • Cost of dinner for two: $101.37

Creating a budget for your Swedish vacation is extremely important. The average daily cost is a reported $200, according to Budget Your Trip. If you’re nearing retirement age, consider planning a trip to Interlaken — it’s one of the best trips recommended for retirees.

Where to exchange currency in Switzerland: Switzerland uses the Swiss franc, although some restaurants and stores accept euros, according to Trip Advisor. To get Swiss francs, the best places to exchange currency are ATMs, which are plentiful and usually offer the best exchange rates.

Credit cards accepted in Switzerland: Visa and MasterCard are more commonly used than American Express, according to Trip Advisor.

Switzerland tipping etiquette: Tipping is not considered mandatory in Switzerland. However, if you wish to tip, just round up your bill to the nearest 5 or 10 francs. According to Fodor’s Travel, tipping bellhops and doormen 1 to 2 francs per bag is common.

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Thailand

  • Thai currency: Thai baht (THB)
  • Thailand exchange rate: 1 baht = 0.033 USD
  • Cost of dinner for two: $21.21

Southeast Asia is known for affordable travel — and Thailand is no exception. The average daily cost is only $71, according to Budget Your Trip.

Where to exchange currency in Thailand: Trip Advisor recommends waiting until you arrive in Thailand before buying any currency if you want better rates. The country makes exchanging cash convenient through abundant Forex booths.

Credit cards accepted in Thailand: Many hotels, restaurants and high-end businesses will accept major credit cards.

Thailand tipping etiquette: Workers in Thailand always appreciate a nice tip, but tipping is neither customary nor mandatory. Tipping etiquette in Thailand usually consists of rounding up taxi fares and tipping in loose change at restaurants.

 

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Turkey

  • Turkish currency: Turkish lira (TRY)
  • Turkey exchange rate: 1 lira = 0.17 USD
  • Cost of dinner for two: $15.42

With an average daily cost of $28, traveling in Turkey can be pretty affordable. You can save even more money if you learn how to hostel around Europe on the cheap.

Where to exchange currency in Turkey: It’s important that you shop around for the best exchange rates and look for exchange bureaus that charge a 3 percent commission or less, according to Trip Advisor. According to TheRealTravelers.com, some of the best places to exchange currency in Istanbul include money changers at the Grand Bazaar.

Credit cards accepted in Turkey: Most businesses will accept MasterCard, Visa and American Express, according to Frommer’s.

Turkey tipping etiquette: Leaving 10 percent is standard for tipping restaurant and hotel staff. Rounding up taxi fare is the common way to tip cab drivers, according to Trip Advisor.

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United Arab Emirates

  • UAE currency: Emirati dirham (AED)
  • UAE exchange rate: 1 Emirati dirham = 0.27 USD
  • Cost of dinner for two: $49.50

Boasting some of the most luxurious shopping hot spots, you’ll want to make sure you can afford everything the UAE has to offer. But visiting this country isn’t cheap — the average daily cost is a whopping $274, according to Budget Your Trip.

Where to exchange currency in the UAE: The best places to exchange currency are exchanges in malls and souks. These currency-exchange locations tend to offer better hours than UAE banks, according to travel site InsightGuides.com.

Credit cards accepted in the UAE: Bigger shops, restaurants and hotels tend to accept major credit cards.

UAE tipping etiquette: For hotel bellhops and valets, tipping AED 5 to AED 10 is common. At restaurants, tipping between 10 percent and 15 percent is common, according to VisitDubai.com.

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United Kingdom

  • English currency: British pound (GBP)
  • U.K. exchange rate: 1 pound = 1.22 USD
  • Cost of dinner for two: $55.44

Your trip to the U.K. could cost you, on average, $144 per day. Since cities like London can get pricey, getting the best currency exchange rate is a good idea to make your travel budget go further.

Where to exchange currency in the U.K.: You can find currency exchange bureaus inside banks, post offices, travel agencies, airports and major train stations, according to VisitBritain.com. With all of these options, you should explore and compare deals in order to find the best exchange rates.

Credit cards accepted in the U.K.: Visa and MasterCard are commonly used in the U.K. American Express cards, however, are less common.

U.K. tipping etiquette: Tipping in the U.K. is different than tipping in the U.S. If you choose to tip in the U.K., the standard is 10 percent to 15 percent for taxi drivers and wait staff.

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Vietnam

  • Vietnamese currency: Vietnamese dong (VND)
  • Vietnam exchange rate: 1 dong = 0.000043 USD
  • Cost of dinner for two: $17.22

Plan to spend an average of $43 per day in Vietnam, according to Budget Your Trip.

Where to exchange currency in Vietnam: Some major restaurants and stores accept U.S. dollars, according to Trip Advisor. But exchanging dollars for Vietnamese dong can save you some frustration in terms of bargaining on the exchange rate with shop vendors and taxi drivers. You can exchange currency at banks or foreign exchange agencies, according to VietnamTourism.com.

Credit cards accepted in Vietnam: Most places accept credit cards, but keep in mind smaller companies might charge a 2 percent or 3 percent commission fee, according to Frommer’s.

Vietnam tipping etiquette: According to Trip Advisor, you’re not obligated to tip. But Condé Nast recommends tipping 10 percent at restaurants, $2 a day for the hotel cleaning staff and $15 per person for guides.

Sydney Champion contributed to the reporting for this article.