KNOW BEFORE YOU GO

Helping clients be prepared

We have years of experience answering our cllients questions before and during their trips.  Here we will try to address most commonly asked questions and offer important advice and tips.

Cash & ATMs

Understanding the details

Cash needs vary by traveler. Since most purchases can be made by credit card, many travelers prefer to start with a small amount of cash and withdraw more at their destination as needed.

Having small bills on arrival is helpful for tips, drivers, or luggage porters. In some countries, amounts under five are commonly coin

Using ATMs and credit cards in Europe can be one of the easiest and cheapest ways to pay, but only if you know how to avoid hidden conversion fees. Here’s how to keep more money in your pocket.

1. Always Choose Local Currency

Whether using an ATM or credit card machine, always select the local currency:

  • UK = GBP

  • Switzerland = CHF

  • France = EUR

If asked to pay in USD, decline it.

Why?

Choosing USD usually triggers Dynamic Currency Conversion (DCC), where the ATM or merchant uses their own exchange rate—often worse than your bank or card issuer.

2. Use Bank ATMs

Best choice:

  • ATMs attached to major banks

AVOID:

  • Airport ATMs

  • Tourist-area machines

  • Convenience store ATMs

These often charge higher fees.

3. Withdraw Cash Wisely

ATM fees are often charged per use.

✅ Better: One €200 withdrawal
❌ Worse: Four €50 withdrawals

Take out moderate amounts less often.

4. Use a Travel-Friendly Card

Look for:

  • No foreign transaction fees

  • Good exchange rates

  • Tap-to-pay capability

5. Europe Is Card Friendly

You may only need cash for:

  • Small cafés

  • Markets

  • Public restrooms

  • Rural areas

Quick Rule to Remember

If asked USD or local currency, always choose local currency.

That one choice can save more than any ATM fee.

6. Unexpected fee

  • If an ATM asks if you want to see your account balance always say 'NO".

  • This is a sneaky way to encounter an "additional" transaction fee.

Smart Traveler Tips:

  • Always read the screen. Choose local currency.
  • One button press can cost more than an ATM fee.
  • Only paper currency can be exchanged for another currency, so make sure you spend your coins.
Europe’s New Entry/Exit System (EES):

What U.S. Travelers Need to Know

The European Union’s new Entry/Exit System (EES) is now in effect. This digital border-control system replaces traditional passport stamping for U.S. travelers entering participating European countries for short stays.

Key Points for U.S. Travelers

  • Who it applies to:
    U.S. passport holders visiting participating European countries for tourism, business, or short stays.

  • What changed:
    Instead of receiving passport stamps, border authorities now digitally record:

    • Passport details

    • Date and place of entry/exit

    • Facial image

    • Fingerprints

  • Where it applies:
    At the external borders of participating Schengen Area countries in Europe.

  • First trip under the new system may take longer:
    Initial biometric registration can increase wait times at airports, cruise ports, rail stations, and land borders.

  • Future entries may be faster:
    Once biometric data is on file, future arrivals may move more efficiently depending on location and border traffic.

  • Length of stay is monitored electronically:
    EES now tracks the 90 days within any 180-day period rule for U.S. visitors in the Schengen Area.

Tips for U.S. Travelers

  • Allow extra time when arriving in Europe.

  • Keep your passport readily accessible.

  • Have hotel details and return/onward travel information available.

  • Follow instructions at kiosks or biometric checkpoints.

  • Be patient during the rollout phase as procedures continue to improve.

Important Warning About Third-Party Websites

Some unofficial websites charge fees or imitate official European travel systems.

Always use the official European Union source for EES information:
https://travel-europe.europa.eu

Important Note About ETIAS

ETIAS is a separate travel authorization system and is not the same as EES. When ETIAS officially launches, travelers should also use only the official EU website for applications.

Our Recommendation

If you are traveling to Europe, expect a more modern border process with possible delays during the early implementation period. Arriving prepared and informed will help make your arrival smoother.

Electronic Travel Authorization (ETA)

United Kingdom Entry Requirement

It costs £20 to apply online or through the U.K. ETA app. You cannot get a refund after you apply.  Once approved it is good for 2 years.

You cannot get a faster decision by applying through another website or app.

You’ll need:

  • the passport you’ll travel with
  • an email address
  • a credit card, debit card, Apple Pay or Google Pay

When you apply, you’ll need to upload or take photos of the face of the person applying.  

The ETA app will make the process much easier.

Download the UK ETA app on:

You do NOT need to apply when passing through an airport in the U.K. and other reasons found HERE.

For more details visit https://www.gov.uk/eta

Note: You will be charged in British Pounds be aware of any foreign transaction fees your credit card may charge.