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Home » Gear » best way to travel with money

How to Hide Money While Traveling (MUST READ! • 2024)

Traveling is fun. Traveling is awesome. Travel is life changing. But it doesn’t mean that travel can’t be dangerous, or that accidents can’t happen.

Whether you are robbed, or you accidentally leave your wallet in a taxi, or misplace your debit card – shit happens! You should ALWAYS have some emergency cash hidden on your body, no matter where you are traveling in the world.

I’ve been traveling the world for 10 years now, and I’ve learned a few tips, tricks, and hacks about hiding money while traveling, and I am going to unleash all of them right now.

Let’s jump into the 8 best ways to hide money while traveling… A few of them will definitely  surprise you.

Best Ways to Hide Cash when Traveling

Tip top tips for traveling with cash, how to hide money when traveling, #1 a secret money belt, #2 hidden pockets , #3 laminated photo album, #4 scarf with hidden pocket, even more ways to stash your cash when travelling, #5 undercover leg wallet, #6 wrist wallet, #7 travellers money belt, #8 in your shoe, #9 inside a water bottle, #10 get insured, faq about the best way to travel with money.

In some countries, like Venezuela, there is a black market exchange rate on cash and this means that if you are to get the best bang for your buck you have to bring cash into the country. And anyway, if you know anything about how travel foreign exchange works , you’ll want to bring cash rather than just relying on ATMs and cards.

Venezuela, in particular, poses a bit of a problem for backpackers as it’s a country with spiraling inflation and a crazy crime rate.

Local thieves know that backpackers have foreign currency on them and with foreign currency worth an absolute fortune in Venezuela, this makes travellers a target.

Whilst travelling across Venezuela, I had a literal pillowcase of Venezuelan bolivars hidden away as well as a few hundred dollars which I kept on me at all times. I knew that I needed to hide my money while traveling in Venezuela and so, whilst in Colombia, I came up with a proper plan to conceal my money whilst traveling.

I decided to split my cash into several different secret places to hide money…

So, how should you carry cash when traveling ? First things first, let me run you through my top tips for keeping your cash safe in general and then I’ll introduce you to the best ways to hide your money when traveling…

Tip #1 – Split up your money

To avoid losing everything, split up your money into three locations. There are lots of places to hide money when traveling but if you just hide everything in one spot, you could really screw yourself over. I recommend having some money in a travel security belt and the rest in a couple of other concealed places on your body…

Tip #2 – On-body storage is best

Hide your cash on you when you are traveling. Try to avoid having your money hidden away in your backpack, whilst this will often be OK it only needs to go wrong once. A friend of mine had a thousand bucks stolen from his backpack, it sucked.

Tip #3 – Be ready with small bills

Try to avoid flashing your cash and instead be ready with small bills. 99% of the time, the world is a very safe place to travel in. You can get that percentage up to 99.9% if you are smart – don’t make it obvious that you are traveling with cash.

Tip #4 – Use a dummy wallet

If you are in a ‘shit I’m about to be mugged’ situation, it helps if you have something you can surrender willingly. Enter the dummy wallet – a pre-prepared wallet with just a few bucks in it and some old library, or other largely useless, cards. You can hand this over knowing that your money is safely hidden away.

I tend to travel with a dummy wallet, in which I keep small bills for day to day shenanigans and another proper wallet which rarely leaves my accommodation. I simply top up the dummy wallet as I go, this is also a fairly helpful tip for budget backpacking !

If you need to take more money out on the town, no worries, there are lots of ways to keep your money safe while travelling…  The best ways to stash your cash while travelling all have one thing in common – you should hide your money on your body.

There are a ton of travel security products out there which are absolutely god-damn useless. Travel money belts and security neck pouches are useful for keeping your passport and money together in airports but are NOT a good idea if you are travelling through a country like Venezuela, Mexico,or South Africa.

Travel money belts are a step up from carrying all your money in a wallet as it’s not as easy to pickpocket a travel money belt. Unfortunately, travel money belts are super obvious to the trained eye which means that if a thief tries for a proper mugging, your hidden money will not remain hidden for long.

I hasten to add – the world really is a safe place, it just makes sense to properly hide your money when travelling. Most of the time, thieves will only strike when they can see a target.

Luckily, there are some travel security options out there which are a lot more subtle than the average money belt. I recommend picking up a travel security belt – it’s the best way to carry cash when traveling. When I traveled through Venezuela, I had my money hidden in three places…

I’ve been using these security belts for over 7 years and they are hands down  the best way to hide money on your body. With it, just like me, you’ll be able to travel around the world,  stress-free. 

Over the years I’ve bought a ton of different types of belts and learned quickly most of them are cheap knockoffs. Frankly, most of them suck.

Which is exactly  why  I recommend a Security Belt.

This is the best way to conceal money. Period. Believe me, knowing that you have some spare money stashed in your belt is extremely satisfying, and will give you some much-deserved peace of mind. I’ve travelled with a lot of cash on me, through Iran, Pakistan, Colombia and all over South East Asia thanks to this belt. This travel security belt is my number one alternative to a traditional money belt.

I never travel without it.

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I sewed a bunch of hidden pockets into my trousers years ago and these are a great way to hide your passport and some money.

Remember, you want to split up your cash so that if one of your ways to hide money is discovered, you don’t lose everything. I think it is very unlikely that the security belt above would ever be discovered and the hidden pockets are also pretty damn sneaky – until someone pats you down.

If you are really paranoid, read on to check out this, broke backpacker friendly, way to conceal money while traveling. You can easily make these yourself or you can buy some ready-made pockets and just sew them in and they make a great place to hide money.

A few times now, I’ve taken my emergency money and placed it between two photographs of my family back home. I then laminate the two photos, back to back, with the money hidden in between. I do this a few times to create a photo album. This is a GREAT way to hide money in plain sight and is a truly secret way to conceal your cash…

A personal photo album is extremely unstealable and I figure that even if you were mugged, you could ask for the photo album back and be in with a pretty good chance of having your hidden cash handed straight back to you.

For all you ladies out there – perhaps this scarf with its hidden pocket is the best way for you to hide your money while traveling. The only problem is that scarves are pretty damn easy to lose so I’m not sure if it would be a safe place to hide cash.

The best ways to hide money while traveling are the ones that require the least amount of messing around – hide your money in a belt, or in a leg wallet (see below), and boom – job done, you don’t have to worry about it as it’s strapped to your body.

There are also some bra money belts on the market but, for obvious reasons, I haven’t tested these. Still, a hidden wallet in a scarf might be a good option for hiding a small amount of money on a night out.

If you’re looking for more nifty ways to stash your cash on the road, check out these options…

If you are carrying large amounts of cash then an undercover leg wallet is a good way to conceal your travel money. The undercover leg wallet is the best body wallet I’ve come across so far and a decent way to hide money while travelling.

If you are patted down though, I reckon there is a 50% chance that it will be noticed. The other problem is, and I speak from experience, that they get pretty uncomfortable – especially if you are somewhere hot. Prepare for a mighty sweaty leg!

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So give the adventurer in your life the gift of convenience: buy them an REI Co-op gift card!  REI is The Broke Backpacker’s retailer of choice for ALL things outdoors, and an REI gift card is the perfect present you can buy from them. And then you won’t have to keep the receipt. 😉

Whilst wrist wallets for travel are a viable way for you to carry cash abroad they are not exactly subtle and even somebody with just one eye is likely to spot that you have something on your wrist.

Some wrist wallets are better than others, I met a girl in India who had made one herself from a large piece of leather and it basically looked like a bracelet but most of the options available to buy online are fairly obviously hidden wallets.

The whole point of a hidden wallet is that it’s a subtle place to hide your money. Wrist wallets are handy for runners or perhaps a night out but not really a viable solution to hiding large amounts of money while traveling. Still, the link below takes you to the best one I found…

Whilst I don’t use a money belt outside of airports, it is a popular way to hide money. There’s a lot of great money belts on the market so if you are going to get one then make sure it has RFID protection built-in. The best money belts for travelling are comfortable and crucially, not too fat.

The main advantage of money belts over the security belt, which is my first choice, is that you can keep your passport in there as well. When I’m catching a flight or crossing borders, I do often use my money belt as it’s the most accessible place to keep my passport, debit cards, hidden money and photos for visas.

However, I would not ever recommend wandering around streets, bars, museums or anywhere besides an airport or border crossing with your money belt on – if there is real crime in the area you are travelling than a money belt is only marginally better than a wallet as anybody who is determined to get your money will probably know where to look.

I’ve been using a security belt like this for years and it’s the most comfortable money belt I’ve used and crucially, it ain’t too fat.

You can also simply stash your cash in your shoes! An oldie but a goodie, backpackers have been hiding money in shoes since the dawn of time. The only problem is that your money may endure a bit of wear and tear and eventually end up stinking of feet. Still, even a foot scented dollar bill is perfectly acceptable currency in most parts of the world.

To our knowledge, there isn’t currently any footwear on the market with a secret stash flap under the soul. Not even the best backpacker shoes have thought of this yet!

Here me out here! I know what I’m talking about and I’ve tried this one myself! These days, many travellers travel with a re-usable water bottle with a proper shell – you know, a non-transparent one that you can’t see inside.

The trick is, to fill the water bottle with up, package your cash inside a tight, sealable zipper bag, and push it down to the bottom of the bottle. Of course, your water may taste a bit plasticy. This is not one I use for a day to day stashing but for special occasions such as bus rides and border crossings. Just keep your water bottle close to you at all times.

Why Should You Travel with a Water Bottle?

Whilst there’s a lot that we can do when it comes to traveling responsibly , reducing your plastic consumption is one of the easiest and most impactful things you can do. Don’t buy one-use water bottles, don’t take plastic shopping bags, and forget straws. All of this just ends up in landfill or in the ocean.

Travel insurance can really pull your ass out of the fire in a jam; it’s pulled my ass out of the fire no short number of times. I’ll tell you the same thing I tell every traveler: if you can’t afford travel insurance, then you shouldn’t be traveling.

ALWAYS sort out your backpacker insurance before your trip. There’s plenty to choose from in that department, but a good place to start is Safety Wing .

They offer month-to-month payments, no lock-in contracts, and require absolutely no itineraries: that’s the exact kind of insurance long-term travellers and digital nomads need.

SafetyWing is cheap, easy, and admin-free: just sign up lickety-split so you can get back to it!

Click the button below to learn more about SafetyWing’s setup or read our insider review for the full tasty scoop.

Still have some questions? No problem! We’ve listed and answered the most commonly asked questions below. Here’s what people usually want to know:

Is it best to travel with cash or card?

This always depends on the destination, but having an emergency cash stash is never a bad idea. Multiple credit cards are also recommended in case you lose one of them.

How can I travel with a lot of money?

Knowing how to hide your cash when travelling is essential. These are our favorite hiding places: – Security belt with hidden wallet – Hidden pockets – Undercover leg wallet

Should you travel with cash only?

Travelling around with loads of cash can be incredibly risky as it’s hard to hide, yet easy to steal. We recommend only keeping a few emergency notes and a bit of pocket money.

What is the safest way to travel with money?

If you’re travelling, make sure to reach out to your bank beforehand and ask about what to do in a credit card emergency. Blocking and unblocking a card can be a real pain in the butt, so be prepared.

Our GREATEST Travel Secrets…

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My Top Recommendation For Hiding Your Money When Traveling

There are lots of ways to carry cash when traveling, for me though the answer is pretty obvious. The travel security belt is the best way to carry cash when traveling. It’s simple – stick your money in there and forget about it, your hidden cash is literally around your waist so unless you lose your trousers you are all good.

The belt itself is not flashy and not steal-able and the zip is only visible if you flip it over, which you can’t really do whilst it’s in the belt loops.

Hands down, this travel belt wallet is the best way to hide cash when traveling.

I’m fairly confident that you could be kidnapped and strip-searched and your hidden money would still not be discovered. Remember though, always hedge your bets and split your money into a couple of places, just in case.

The safest option is to combine the travel security belt wallet with some hidden pockets or the concealed leg wallet.

And for transparency’s sake, please know that some of the links in our content are affiliate links . That means that if you book your accommodation, buy your gear, or sort your insurance through our link, we earn a small commission (at no extra cost to you). That said, we only link to the gear we trust and never recommend services we don’t believe are up to scratch. Again, thank you!

Aiden Freeborn

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50 Comments

Before our trip to SE Asia i sewed pockets in the front of all my husband’s underwear. They were of stretchy material. I cut up an old pair and color cordinated. We brought a lot of cash and spent 4 months there. Worked great! Got wet from time to time but hey it dried.

I have the sports bras with pockets from Amazon. Love them!! Comfy, no irritation from items between the girls, no soggy money, good support. I’ve used them on a Caribbean cruise and a RunDisney race. Was able to stuff my credit card, ID, slim pill case, two goos, chap stick, tissues, and poncho down there with no chafing. Ladies, buy them now! Men, be jealous.

Firstly thanks Will Hatton for the article. Three main places on your body is correct for storing your cash. As devices go, the #1 device really is the #1 device. I’ve used the same security belt for over 25yrs and it works. My wife still hasn’t found it! True! The best place to store your largest denomination notes. Folded and interleaved along the length of the belt so there’s no discernable ‘thick’ section in the belt. #2 best thing is a sacrificial wallet. An old ‘actual’ wallet filled with smallest denomination notes and some expired ATM / Credit cards. You keep this wallet attached to the inside of your back pocket with a piece of strong string and a safety pin. A nice wallet itself can cost you quite a bit in your home currency so you don’t want to sacrifice a good one. You use this wallet when in public view. Pay for small things, give tips, etc. The string helps you to not lose it in taxis etc when you sit down or forget it when you put it down somewhere. If your wallet is demanded with a weapon, just had it over and un-clip it. They run. And you get away. They get a little cash and useless cards. You escape unharmed. The cash they got amounts to not much in your home currency. #3 Keep your intermediate notes that you MUST carry in your ‘good’ wallet. Keep also a copy of your passport identity page and visa, and some vital phone numbers. Put them in a secret compartment pocket inside your trousers / walking shorts and positioned between your upper leg and groin, in the cleft at the front of your body there. Not being rude. That’s the place that’s hard to pick-pocket and is usually not found except by pat-down professionals eg police – and even police can be corrupt thieves. I had to pay 500,000 Rp to Jakarta police some years ago because they demanded it and threatened harm to my wife’s family if I reported them. She is from that country, I’m not. The 500k Rp = about 60AUD at that time so I just let them have it. The laminated photo album seems a nice idea but results in another bulky item to carry around when you’re trying to save on luggage weight. If you must carry your passport, put it in ANOTHER secret container that protects it from being crushed or getting wet. Carry it close to your body under your shirt, between hip and chest. It is worth more than most of the money in your intermediate wallet! If your passport is lost, stolen or badly damaged, it is VERY expensive, difficult, painful and troublesome to try to replace it and your VISA in it, whilst in a Foreign country! The other most important thing is not a device but a strategy. Be organised and always vigilant. Be mindful of your location, time of day and those around you. Most thieves are opportunistic amateurs and full of fear. Don’t make yourself an easy target and don’t provide an opportunity. eg don’t pick a bad time and location for an ATM visit. If you suspect your being followed, suddenly get into a taxi and leave that location or go to a crowded place where opportunity to steal from you is low. ** Happy Travels **

Has anyone though of using the female TAMPON tube ?

The scarf tip is so nice! Thanks for this content! 🙂

after several years traveling. and loosing some money!as a woman I made a special security money belt for myself . i absolutely recomend the Waist one and hidden pockets. money will stick with your body! and you can easily go any where (WC..esp!) but i am still thinking a bout when swiming in the sea ! i used to put them in condoms and hide them in my bra :)). it works.

Hmmm, I don’t have a bra, but maybe I could stuff them down my cossies?

I often carry a lot of cash…….

I’m a transgender man. In our community it’s fairly common to “pack” something in one’s pants, usually a prosthetic or a sock, & imho it’s not an awful way to hide cash—you can search “ftm packing tips” for ways to keep it from falling out, keep it out of contact with your body, etc. Crafty sorts will sew pockets in & there are instructions online on how. However, if you’re already well endowed, hiding much cash in that area could cause you to look excited. Usually the rule of thumb for ftms without much going on down there is no more than two socks’ worth of bulk—and socks compress better than dollar bills.

The only time I’ve heard of someone noticing this is at gay bars and professional pat downs. So if you’re going somewhere where people might grab your crotch, it’s not secure. If you don’t sew in a pocket or sew a y-front closed it’s also very possible for it to fall out—usually when you’re running or jumping (at the gym, trying to catch a bus, etc).

Great Info I Been a Backpacker for 25+ years on and off 100+ countries – Used to use a belt but thats gone way of the dodo – best ways are still what you suggest above But this 3 place method – Up that to like 10 places – money gets nicked from Hotel rooms especilly some of the budget places i stayed world wide

Hide money – in wash Bag ( leave bag open with stuff in it ) some one looks doubt they nick old toothpaste Day sack – 2 places Main Backpack 2-3 places in shoes dirty socks are great place or bottom wash bag and also when walk around as mentioned small amounts in one pocket then rest in few other pockets or day sack – I even fold up a $100 bill hide in hat or camera case – behind phone if in a case then when get home you might even find a bonus $100 – Fake wallet and finished credit cards – been doing for 20 years nothing changed Also watch for Bag slashers – they fix a razor blade to a pencil and expertly can slash pockets and bags nick whats inside and you can be Unaware – be bag aware always –

No 1 way i found people get robbed wrong place wrong time _ avoid dark Parks (ie Quito) – dont buy drugs i met lats people got robbed doing that -(or careful if do i guess)

3 years non stop in latin america only theft was person entered room when asleep – i woke and as he climbed window got his shoe –

Me and my girlfriend are planning to travel next year and have all these tips to thinks about..makes me nervous when it comes to keeping things like money safe etc so these tips are really helpful! Thank you x

The belt looked like a good idea. Thanks. I just bought one.

Wow! Amazing post…

Read the book “Papillon”, and see where Papillon stashed his cash while on Devil’s Island! I won’t go into details, but that cash could NEVER get stolen!!!

Hey will, thanks for sharing this hacks buddy. Your tips will really help us to hide money perfectly. Keep posting this type of helpful post… 🙂

Security belt with a hidden wallet never heard before. Definitely try by myself.

Wow, your review absolutely starred on my history. Thank you so much for the complete guide, tips and tricks, hotel and route and more, and surely it’s beneficial for my next trip to India.

Cool and very creative ideas to hide money! Will keep these in mind for my next travel! Cheers

I have tried the money belt.

The problem I then came across was that after a while travelling in hot sticky countries the bills end up with permanent folds and sometimes a bit ragged on the edges. Putting them in a sealable pastic bag helped.

After that it can can very difficult to exchange the notes.

Your ideas are all great! I will try it soon. Thanks for posting!

Awesome! Do you recommend any tracker that can be attached to a wallet? Thanks.

I’ve not tried one personally so have no recommendation to offer I’m afraid, cool idea to find your cash though!

This is very useful for traveling alone!

For woman there are little pouches that clip onto the middle of your bra, they’re pretty small but great for something like a card.

Thank you for this write-up, it has really helped me. I will be setting off on a month-long trip to Mozambique, and will, unfortunately, be carrying a whole load of cash. Unfortunately, cards and ATM’s are far from plentiful if you go further North.

Carrying this cash was a major source of stress, but now that I have a plan I’m feeling a whole lot better about it. Thanks again!!

Pickpocketing is one of the oldest and most widespread crimes in the world. A skilled pickpocket can make off with just as much money as an armed robber, without much danger of confrontation or risk of being identified in a line-up. In most cases the thief was long gone by the time the victim realizes what has happened. The security belt is really cool, I’ve never seen that before. You cash is well hiding.

Tip #4 is your best tip and one I have used myself. Just make sure the dummy wallet contains some cash and preferably a fake card. There’s nothing worse than an angry thief.

It’s best to hide ALL your money on at least one area of your body rather than in a hotel room where a hotel worker may have access. I like the belt and wallet wrapped around the waste as those wallets can usually hold more money and you can hide them nicely under a shirt.

You’re brave travelling to Venezuela which has one of the highest murder rates in the world.

What a great post about such a useful subject. This should really assist people when traveling.

Cheers Sharon…

Everything on this list is a must-have,haha! Thank you for sharing them. One of my favorites is that scarf and the wrist it’s kinda stylish at the same time. Anyways, great post!

Priceless tips! Thanks for unveiling your secret weapon, the security belt with a wallet is genius! I used to be too careless about my money until I was first robbed. That was a real bummer. But it taught me to be cautious and since then, I always split money while travelling. I’m going to try out your tricks during my next travel. A dummy wallet is a very good point.

Emergency cash hidden in a secret pocket in pants is great but just remember it’s there when you send your washing out. I made this mistake but luckily it was all returned by the honest and laughing laundry people.

Wow, some great advice. This is always my biggest stress when traveling, particularly in more rural areas where the next ATM could end up being days away.

The belt looks really great. definitely going to invest in one of those. You know if there are any leather alternatives, I love a brown leather belt?

Good post. Keep writing.

Wow! Really interesting. I love your all fantastic idea! I usually hide most of my money in my underwear and some often in the little pocket in my workout pants. I think it is safe and comfortable.

the inseams of clothes. behind the belt. on the bottom of your pants… even shirt collars. you just cut a whole and insert. traveld vz twice this year. never discovered. I’m going to make a custom belt in colombia.

Until now, I didn’t try anything of these great hacks to hide money on the body.

I want to know if i can use tbc coin to pay for my ticket

Send me BTC and I’ll send you whatever ticket you want mate.

Looking at that first pic and thinking, how do you hide such a pile of Venezuelan Bolivars in your belt? LOL.

Wow! I love the fake wallet idea! I´m heading to South America very soon, and it would probably be a good idea to have a fake wallet there. I normally hide most of my money in my sports bra and some often in the little pocket in my workout pants (they’re good to have when it´s hot outside too). But I will definitely take these advices with me on future travels, so thanks!

Will, that first picture of you holding a pile of notes and $100, you carried them all while walking around!? That’s a huge pile. I wouldn’t think its possible.

The dummy wallet is genius; I am definitely using this insurance technique. I used to use a money belt but like you say, its just a step higher than a wallet.

Yeah man – you get SO MANY notes for the USD that you will end carrying a pillowcase of cash around; that’s what I was doing – just hide it well! 🙂

I like the wrist wallet idea.

And the scarf is ultra ninja.

We made a leather belt with a small hidden pocket in the lining but you can’t get a lot into it.

I might look into making the wrist wallet out of leather, make it look like a bracelet.

Thanks for the ideas.

Nice one Will!

I’ve used a variety of methods, I even used to have a sort of arm wallet, but I would use that for clubbing, back in the day ‘cos it was far up my arm not to lose and trendy enough to still look good…!

My favourite method is the moneybelt which I used during my Gapyear. I just wore it under my jeans, and for extra security, pinned it on using safety pins. Very handy for those dodgy rooms where you know for a fact that you can’t leave your passport there..I’ve also been known to stuff some money down my sock.

I have big feet, so that usually works quite well!

I already use some of these tips, but I’ll certainly try other ones. Anyway, most of the times I prefer to use a credit or bank card. Thank you!

I used to buy a book like dictionary to hide my money or in the shoes, It doesn’t save up much but it’s something will let me catch a taxi. Thanks for great guide to show me more ways to save my money when bad things happen 🙂

These tips are simply awesome! I will definitely try some of them on my next travels! Thanks!

Always like the shoe idea! Also, for the fake wallet one. A good amount of money to have in those is about 10-30 dollars (at least in the US) so that it’s enough money for the criminal to be satisfied with you but you aren’t losing a ton of money if you’re robbed either.

Wow, Will! You have come up with so many creative methods. I never would have thought of most of these, so my hat’s off to the inventors.

Love that shoe full of hundreds illustration. 🙂

Haha how cool you are the first other person i heared about with a fake wallet. I do this for yeares and still people are suprised about something so simple. And i was really happy to have some hidden money in my backpack when someone stole my onbody money in a train in China.

Wow! Great ways to hide your money on your body! I haven’t tried any of these. I normally keep all my money, cards and all the other important documents together in a wallet, but I really like the idea of a dummy wallet. I think it’s a smart thing to do while traveling.

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Protect Your Trip »

20 Ways to Keep Your Money Safe While Traveling

More than "middle seat," "lost reservation" or "canceled flight," the two words that have the power to rattle even the most intrepid traveler are, "Stop, thief!"

Tamara Tennant, a globetrotter and owner of an interior design firm in Fort Lauderdale, Florida, recalls how she, her husband and two friends were surrounded by would-be thieves on the Paris metro several years ago. "One of them unzipped my friend's fanny pack and grabbed his money clip. My friend's wife saw what happened and instinctively started shouting while shoving the thief's arm up in the air to expose the money clip," Tennant said. "She grabbed it from the thief's hand and, when the train reached the next station, the thief and her accomplices — all women — got off and disappeared into the crowd." The entire incident happened in seconds.

You may have the inside scoop on where to find the best deals on hotels and how to pack like a million-miler , but knowing how to keep your money safe while traveling is both an art and a science. For a worry-free journey, follow this advice from frequent jetsetters and travel experts.

See: 6 Common Travel Setbacks: Tips for Surviving a Trip That's Gone South

1. Plan to carry at least two credit cards, just in case one is lost, stolen or otherwise compromised. The cards should be issued by different payment networks, such as Visa or MasterCard.

2. Notify your credit and debit card providers about your travel plans so they won't decline any charges, suggested Renato Carfagno, a vice president at J.P. Morgan.

3. Don't assume your "big bank" ATM card can be used at every international destination, advised Tennant. Check with your bank in advance to find out if your card will work where you're planning to go.  

4. Photocopy your passport or other ID, the front and back of tickets, and each credit and debit card you plan to carry. Leave copies with someone back home and keep additional copies locked in your hotel room safe.

5. Melvin Böcher, founder and CEO of Travel Dudes , always travels with a laptop and scans or takes pictures of important documents and then emails the images to himself. He said this information can also be stored in the cloud through Google Drive or sent to a Dropbox folder. Stephanie Diehl, a professional travel consultant at Travel Designed , keeps important personal information on her phone as well as her laptop, protecting access to both with a password.

6. If you're tech-savvy, store confidential information as an encrypted PDF on your phone or in the cloud.

See: Your Travel Insurance Questions Answered

7. If you're planning to visit a close friend or trustworthy business colleague overseas, ask in advance if he or she will exchange his or her currency for yours. Jossie O'Neill, an international special education consultant who frequently travels to India, said this is a good way to avoid fees at conventional money-exchange offices. If your foreign friends don't want your dollars, ask them to negotiate the money exchange process for you. Lynn Housner, an associate dean at West Virginia University, does this when he travels to China. "They're always able to get a better exchange rate for me than I could by myself," he said.

8. Erin Bender, founder of Travel With Bender , advised looking up the exchange rates in the countries you're visiting before exchanging any currency. At a bank or currency exchange office, count the exchanged money yourself in front of the clerk.

9. As long as your bank doesn't charge an ATM fee, you'll get a better exchange rate at an ATM than at a currency exchange office.  

10. If your ATM or debit card password consists of letters, you should know the corresponding numbers, advised Steve Jermanok, a travel writer, travel agent and owner of Active Travels . Many foreign ATM machines do not have letters.

11. Dave Levart, founder of Dave's Travel Corner , always uses ATMs inside banks rather than stand-alone machines, which can be outfitted with a skimmer that can steal your card's information.

12. If you need to carry more than minimal amounts of cash, arrange for your bank to increase the daily cash withdrawal limit on your ATM card, and make the change effective only for your travel dates. If your ATM card and PIN are stolen, this will limit the thief's access to your money. 

13. Through his travels, Jermanok found that many retail stores and restaurants in Europe only accept cash or chip-embedded credit cards. These cards, which are starting to gain popularity in the U.S., can be vulnerable to electronic pickpockets. He advises clients to purchase chip card sleeve protectors, which block the transmission of radio frequency identification signals. They're inexpensive and readily available through Amazon .

14. Marlene Jupiter, author of "Savvy Investing for Women," often carries prepaid Visa or American Express cards when traveling. This eliminates the worry of unauthorized access to a conventional credit card.

15. Cash is king in some countries. Tennant found that in New Zealand, some businesses add a 2.5 to 3.9 percent surcharge to purchases made using a credit card.

16. When traveling internationally, research tipping etiquette in advance, advised Kim-Marie Evans, founder of Luxury Travel Mom . A service charge is customarily included on restaurant bills in many countries. "It's nice to be a big tipper," she said, but if you're generous, "it should be on purpose rather than by accident."

17. This may be a no-brainer, but always lock valuables (electronics, medications, passports) in your hotel room safe whenever you leave the room.

18. When going through airport security, wait to put your bags on the conveyor belt until you're ready to step through the screening portal. This ensures that you and your bags will move more or less together, and it makes it more difficult for thieves to snatch your stuff.

19. Whenever you leave your hotel, avoid keeping cash, credit cards and wallets all in the same bag or pocket. If you have a travel partner, divide it between yourselves and carry it in multiple areas on your body.

20. Many travelers avoid carrying a handbag or wallet altogether and opt instead for a money belt. Diehl recommends the PortaPocket system of hands-free carry cases.

See: 7 Reasons to Never Travel Without a Credit Card

About the author: Carolyn Gatto is an award-winning writer, editor and publisher who specializes in travel subjects. Following a 25-year career in print publishing, she founded two travel websites. Her latest launch is EasthamVacationGuide.com , an insider's guide to the best places to eat, shop, stay and play in and around the Eastham area of Cape Cod. Follow her on Twitter @CG_NY_CC .   

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Clever Ways to Keep your Travel Cash Safe

Most travel experts recommend storing at least some of your cash, a backup credit card, and your passport in a bag inside the hotel safe, but even those aren’t 100% secure and the hotel usually can’t be held liable for theft.

The number 1 key to keeping your travel money safe from thieves is this: divide and conquer. Never keep all your travel cash in one place.

So, we searched around for the best and most clever advice for hiding at least some of your money in your hotel room, in your rental car, and on your person. For many of these 007-style moves, you’ll need:

• a few small zippered plastic bags
• some tape, like duct tape
• a small screwdriver
• a rubber band or two

Once you’ve separated your cash into piles and put them into separate zippered bags, squeeze the extra air out of the bags and let’s start hiding!

In your hotel room

Many travelers don’t trust the in-room safes because there’s always a way they can be opened. Often, and especially on cruise ships, they often have a common code that is well-known by the staff who must help travelers who forget how to open their safes.

Some hotels now offer newer in-room safes that let travelers set their own code. These are more secure, but in a pinch, it’s still likely that they can be opened by someone on the hotel staff.

Here are the most clever recommendations we could find for hiding money in a hotel room:

• Inside the shower curtain rod
• Inside zippered cushions on chairs in the room
• Inside the frame of older televisions – use the screwdriver to take off the back
• Inside older telephones – use your screwdriver here too
• Taped to the bottom of a drawer – use the bottom drawer, it’s harder to reach
• Inside the cover on the ironing board
• Taped to the bottom of a heavy piece of furniture in the room
• Dropped inside the toilet tank
• Inside an empty shampoo bottle with a little tissue paper on top
• Under the mattress – pushed to the center, and only after the bed has been made for the day

We even read recommendations of cutting the hems of window curtains and storing cash in there, or pulling up the carpet in the corner of the closet and storing cash in there. Now we know why some hotels look a little on the ratty side! But we don’t recommend destroying property to store your cash.

Just make sure you remember where you hid all your money and give yourself a little extra time before you leave to retrieve it from the hiding places!

In your rental car

Here are the most clever recommendations we could find for hiding money in your rental car (again, you’ll probably want to put the money inside zippered plastic bags first):

• Lock it in your suitcase, and secure the suitcase to the vehicle with a cable
• Slide it in a battered dog chew toy – thieves aren’t looking for tattered stuff
• Inside an empty quart of oil tossed in the trunk
• Taped under the back seat – many back seats lift up
• Taped inside the console or door – you’ll need your screwdriver and a little engineering skill here, but most car parts can be removed with a screwdriver and offer great hiding places
• Taped under the floor mats

Of course, this advice won’t help if thieves steal the entire car, so be sure you have cash stored in some other places and see our recommendations to Avoid Rental Car Break-ins and Theft .

On your person

Most travel experts swear by money belts, and there are alternatives to the standard waist money belt, such as neck wallets and leg money belts worn around the thigh. As pick-pockets have learned that travelers love money belts , they’ve discovered ways to rob them of those money belts – even slicing them off some travelers.

Of the money belt options, current advice is that the leg money belt is the safest right now.

In keeping with the theory of ‘stash it in multiple places’, there are other places you can safely hide money on your person, including:

• In your sock or in your shoes (try under the lining), unless you’re wearing flip flops or sandals
• Many pants and jackets now come with hidden interior pockets – fold up some cash and store it there
• Cut a hole in a waistband or in the cuff and slide some cash in there
• Many female travelers recommend storing some cash in their bras
• Travelers also have the option of trying out the men’s styled brief safe (which comes in clean and dirty options)

General money safety reminders

Of course, keep these common-sense money safety reminders in mind at all times (not just when you travel):

• Be discreet with your money in public – so you don’t draw attention
• Carry small bills and only the cash you need for the day
• If your pockets have fasteners, use them – ditto for zippered purses and backpacks
• Money and wallets go in the front pocket of your pants
• Wrap money and wallets with a rubber band – makes them stickier and harder to steal
• Don’t travel with a copy of your bank cards, we’ve got a much better system
• Avoiding pickpockets on your trip

DamianTysdal

Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.

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10 Smart Ways to Carry Money While Traveling

Christine Sarkis

There's a 95 percent chance Senior Editor Christine Sarkis is thinking about travel right now. Follow her on Instagram @postcartography and Twitter @ChristineSarkis .

Christine Sarkis is an SATW-award-winning journalist and executive editor at SmarterTravel. Her stories have also appeared on USA Today, Conde Nast Traveler, Huffington Post, and Business Insider. Her advice has been featured in dozens of print and online publications including The New York Times , Conde Nast Traveler , and People magazine. She has also shared travel tips on television and radio shows including Good Morning America, Marketplace, and Here & Now. Her work has been published in the anthologies Spain from a Backpack and The Best Women's Travel Writing 2008 . She is currently working on a travel memoir.

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Carrying money on vacation is a balancing act between safety and utility. Making money difficult to access deters thieves, but when it comes time to pay for something, you still want to be able to get to it without stripping off clothes or playing hide-and-seek with a bag’s hidden pockets. With that in mind, here are 10 tips that will help you carry money safely and elegantly while traveling.

Some of the links featured in this story are affiliate links, and SmarterTravel may collect a commission (at no cost to you) if you shop through them.

Divide Money

Even if you disregard all other advice about carrying money, take this tip to heart: Whenever possible, divvy up your travel cash and even credit cards into multiple safe spots. If you have all your money in one place, it only takes one incident for a thief to totally wipe you out.

When possible, leave all the cards and cash you won’t need immediately in a secure location in your hotel or vacation rental. And when you’re out and about, keep some of your money attached to your person (see below for ideas about how to wear money securely), and some in a bag you carry. If you’re smart about how you distribute your funds, you’ll still have enough money to get to a police station or back to your hotel in the event your bag gets lost or snatched.

The Best Credit Cards for Travelers

Favor On-Body Storage

Under-clothing storage accessories have come a long way since neck pouches and money belts came onto the scene. Though those classics are still effective, newer options include bra stashes , as well as long johns , underwear , and undershirts with built-in pockets for safe storage. On-body storage accessories are particularly useful if you’re sleeping somewhere that doesn’t have a secure place for cash and other valuables.

Note that on-body storage isn’t a good wallet alternative, since fishing around under your clothes for money advertises where you’re hiding the goods.

Keep Small Bills Handy

Changing or withdrawing large amounts of money minimizes the fees you’ll pay to get local currency, but it also means you’ll be traveling with far more cash—and larger bills—than you’d likely have on you at home. In addition to dividing your money, it’s also wise to make smaller denominations of currency easily accessible. That way, you won’t pull out the local equivalent of a $100 bill while attempting to buy a 30-cent souvenir. You also won’t have to reach down into your jeans to get more money from an under-clothing money pouch.

Make money preparation part of your morning routine: As you’re packing your bag, make sure you’ve got a variety of small bills and coins at the ready for purchases such as food, souvenirs, and attraction entry fees. Squirrel away larger bills in your under-clothing money pouch , or tuck them into a secure part of your wallet or bag.

3 Incredible Money-Saving Tips from a Flight Attendant

Carry an Anti-Theft Bag

If garbage-bag commercials have taught us anything, it’s that some bags are tougher than others. The same goes for travel purses , backpacks , and bags —some, designed specifically for travel, have features such as cut-proof, steel-cable-reinforced shoulder straps; slash-proof fabric; and locking zippers.

Since elements like these slow down thieves, anti-theft bags can do a decent job deterring opportunistic pickpockets. Anti-theft bags are available online from Arden Cove , Pacsafe , Travelon , and other retailers. Consider your purchase an investment that might save you some money.

Trim Your Wallet

Are you going to need your library card when you’re 6,000 miles from your local branch? Probably not. Before you leave, take the time to go through your wallet and take out everything except the necessities (a primary credit card and a backup, an identification card, an insurance card, etc.). Not only will it help you travel lighter, but if your wallet does get lost or stolen, you’ll have fewer items to replace.

How to Save Money on Gas: 8 Easy Tricks

Use a Dummy Wallet

If you’re traveling in a place known for pickpockets or muggings, consider getting a cheap wallet that looks real enough to use as a decoy that you can keep in your pocket or bag. Pad the wallet with some small bills and make it look more real by slipping in one or two of those sample credit cards you get with offers in the mail. A dummy wallet can stop pickpockets before they get to your real wallet.

Buy a Travel Wallet

In addition to a dummy wallet, you might also consider a wallet that you reserve specifically for travel. There’s one simple reason for this: If you’re the type of person whose day-to-day wallet is packed with cards—gym memberships, prepaid coffee cards, frequent-buyer punch cards, and the like—the card pockets are likely to be stretched out and won’t be able to securely hold just an item or two. By keeping a travel-only wallet at the ready, your cards will have snug pockets that they can’t slip out of accidentally.

As an added bonus, you won’t have to unpack and repack your day-to-day wallet; you can simply transfer what you need for your trip to your travel version.

Is It Better to Pay in Local Currency or USD When Given the Option Abroad?

Adapt to the Local Money Culture

Being prepared to pay your way on vacation means different things depending on where you are. In a cash economy, you’ll need to make sure to have a variety of bills and coins on hand at all times, but your credit cards will likely just collect dust.

However, in much of Europe and parts of Asia, where automation is common and chip-and-PIN credit card technology is standard, having a compatible credit card will come in very handy, especially if you find yourself at an unattended gas station late at night or a train station after hours. Also keep in mind that in some countries, U.S. dollars are an official or unofficial secondary currency, so it’s wise to keep a few greenbacks at the ready.

Use Money Alternatives

In high-traffic settings such as metro stations and close quarters like bus lines, it’s nice to be able to forgo cash or credit card transactions and rely instead on a multi-use ticket or other cash alternative. If you’re in a city where the public transportation system offers multi-use cards (for instance, London’s Oyster card or San Francisco’s Clipper card) or where you can buy a bunch of tickets at once for a discounted price, then take advantage. You’ll reduce your chances of losing your wallet simply by retrieving and stowing it fewer times.

Where to Get the Best Exchange Rate When You Need a Foreign Currency

Stow Valuables Securely

Sometimes the best way to carry money is not to carry it at all . Hotels’ in-room safes are generally pretty secure, and if you’ve got an item (or a wad of cash) you’re particularly nervous about, check to see if the hotel has a safe-deposit box behind the desk. If you do use a hotel lockbox of any sort, remember to retrieve your items when you leave. In the rush to pack up and depart, out of sight can easily mean out of mind—until you’re on your way to the airport. If you’re a forgetful type, leave a colorful note on top of your suitcase .

Editor’s note: This story was originally published in 2016. It has been updated to reflect the most current information.

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18 tips to help you manage your money while traveling

International travel is full of excitement. Seeing new places, trying new cuisines, and navigating a different culture lead to memories that last a lifetime.

As a college student or young professional, travel can be one of the most rewarding ways to spend your well-earned money.

But with all the excitement of traveling abroad, you can’t forget about managing your money. In addition to having the right currency and understanding foreign exchange rates, you’ll want to take measures to manage your money well while on the move.

While traveling doesn’t have to be more expensive than your day-to-day life, there are extra considerations to take to keep money safe while traveling.

What’s Ahead:

Before you leave

1. alert your bank and credit card company.

Alerting your bank and credit card company used to be a standard practice when traveling abroad — so “suspicious” charges in another country didn’t put a freeze on your accounts.

These days, however, banks are a little better at tracking fraud. But alerting your bank and credit card company still can’t hurt — especially if you’ve never traveled abroad with your card and want to make sure you don’t run into any issues with your account.

2. Look into your cards’ foreign transaction fees

Foreign transaction fees — tacked onto any purchase made outside of the U.S. — can add up fast when you’re traveling abroad. If you’re not sure if your card company charges foreign transaction fees, give them a call before your trip to find out. While you’re on the phone, ask if there are specific ATMs to use that will help you avoid extra fees.

If your cards do charge foreign transaction fees and you have enough time before your trip, you might want to consider getting a credit card that doesn’t charge them. If you plan to do more traveling abroad in the future, a card without foreign transaction fees will save you a lot of money over the years.

3. Save copies of important information

Before you leave, make sure you have access to all of your important bank and credit card information in case something happens and you lose your cards. Keep an accessible digital record of the following:

• Your bank’s phone number
• Your credit card company’s phone number
• Your credit and debit card numbers

It might be easiest to take photos of your cards and save them on your phone. The important thing is to be able to access your card numbers and contact your bank in case of an emergency.

4. Confirm or purchase travel insurance

If you have a travel credit card, chances are it comes with travel insurance benefits. These benefits can come in handy when things don’t work out as planned — like when your flight gets delayed or your rental car windshield cracks. You don’t want to be on the hook for added expenses, especially after working hard to plan a trip within your budget.

Look up the travel insurance benefits that come with your card so you know exactly what’s covered. If you don’t have a travel credit card — or your benefits don’t cover enough — consider buying travel insurance. You can compare policies online using sites like SquareMouth and Travelinsurance.com to find the best option for your trip.

5. Get some local currency

It’s always wise to have at least some local currency on hand before arriving at your destination. You never know when you’ll have unexpected card troubles and need cash when there’s no ATM or bank around. Bring at least enough cash to get you a couple of meals, a hotel room, and transportation to tide you over until you can access a bank or ATM.

And don’t wait until you get to the airport to get cash, or you’ll pay a fortune to exchange currencies. Instead, call your bank ahead of time to see if you can exchange your money there — you’ll usually get a much better deal.

6. Consider a prepaid travel debit card

If you don’t have a credit card without foreign transaction fees — or you’re worried about using your card abroad — you can always get a prepaid travel debit card to load up with cash before your trip.

These cards, while they can be costly, come with lots of perks — like fee-free transactions, 24/7 assistance, and no ATM withdrawal fees. But just like credit cards, the perks vary card-to-card — and the fees can add up — so weigh your options and do your research to pick the best card for your trip.

During your trip

7. know when to use card vs. cash.

It’s always wise to have several methods of payment while traveling abroad. Some businesses will prefer card over cash, while others may not accept a card at all.

For example, using a credit card at a local street market may not be possible — so you’ll probably want some cash on hand. And in some countries, it’s best to tip with cash rather than on your card.

Alternatively, businesses like hotels may prefer you pay with a card — and you may save money if your card doesn’t have foreign transaction fees. And depending on how you tend to spend and budget, using a card can help you categorize and analyze your spending more easily at the end of your trip.

8. Use points

Travel hacking — or using miles or points to pay for travel — has become more popular in recent years. And contrary to what you may think, you don’t need to spend a ton of time or effort to earn and make use of points.

Travel credit cards usually issue points or miles when you pay with the card, which add up over time to help you save big on flights or hotel stays. If you have a travel credit card, read the fine print to understand how to earn points and make the most of them while traveling. If you don’t have a travel credit card, pick one that maximizes benefits you’ll actually use, doesn’t clobber you with fees, and — to get you some rewards right off the bat — has an attractive sign-up bonus.

9. Avoid random ATMs

When withdrawing money in a foreign country, be smart about what ATMs you use. First of all, if your bank allows fee-free withdrawals at particular ATMs — or they have branches where you’re traveling — make sure to use those machines to save money on withdrawal fees.

Try to avoid independent ATMs — they’ll often have higher fees and lower security than bank ATMs. And don’t use any ATM in an area that feels unsafe. Use machines in public places, and check your surroundings before making a withdrawal.

10. Protect yourself from theft

A smart way to manage money while traveling is to not keep all your money in the same place. If your wallet gets lost or stolen while you’re out, you don’t want to risk losing all your cash.

If you withdraw more cash than you need to spend at once, keep the extra bills in your hotel safe. When you’re out, carry your cash securely in a money belt or tamper-proof wallet. You might even want to invest in an RFID-blocking wallet, which protects your cards from digital theft by radio-frequency identification skimmers.

11. Choose local currency when paying with a card

When you’re paying with your credit card in a foreign country, you may notice an option to select either your home currency or the local currency when checking out. It might not seem like a big deal in the moment, but you’ll save money by choosing the local currency.

Despite having a credit card without foreign transaction fees, you may still pay a fee — usually around 3% —for paying in your home currency. And though you may have to do a quick currency conversion to determine how much you’re spending, you can end up saving a lot of money with this one easy tip.

12. Understand tipping culture

In North America, it’s not just polite — it’s expected — to tip 15% or more in restaurants and for other services. But tipping culture isn’t the same across the globe, and in some countries, tipping is even considered rude.

In Europe, for example, you’ll often pay a 5-10% service charge that’s already tacked on to the bill. In Asia, however, tipping isn’t the norm (and in some countries, like Japan, can even be disrespectful). Do some research on tipping culture in the countries you’re visiting. Consult travel guides and tourism websites to find out what’s expected before you go.

13. Check your account regularly

When you’re spending a different currency than your own, it’s easy to spend more than you realize (I am definitely guilty of this ). And when you’re using a card — in any currency — it’s easy to overspend. Now that lots of restaurants and stores are now card-only, you might be spending more than you realize.

Make sure you check your account regularly to avoid overspending your budget. You don’t want to arrive home after your trip with a pile of credit card debt that you weren’t expecting to pay.

14. Bank securely while traveling

Banking securely will help you keep money safe while traveling. And since most of us bank online these days, it’s extra important.

First of all, make sure all of your devices are password-protected before you travel. Otherwise, if your computer or phone gets stolen — and you have your passwords saved automatically — someone could instantly gain access to your online accounts.

If you can help it, try to avoid using free public Wi-Fi, which could potentially put your information at risk. If you need to log into your bank accounts, make sure you’re using cellular data or a protected Wi-Fi network.

15. Don’t forget the exchange rate

No matter whether you’re paying with card or cash, keep the exchange rate in mind when you’re spending. It’s easy to lose sight of how much you’re actually spending — and think something is “cheap” when you’re really paying with a more expensive currency.

If you need to, you can use an app to convert currency prices before making a purchase. That way, you know exactly how much you’re spending each time you swipe your card.

After your trip

16. convert your leftover cash.

Unless you know you’ll be traveling again soon, try to spend any foreign currency before returning home. If you come back with foreign cash, you’ll have to exchange it back to U.S. dollars. Exchanging money twice — to a foreign currency and then back to U.S. dollars — will cost you a lot in fees.

If you do need to exchange currency back into U.S. dollars, you’ll want to return to the bank. That’s where you’ll find the best exchange rates and lower fees. Or better yet, if you have a friend who’s planning to visit the destination you just came from, see if they’ll buy your leftover currency for a reasonable, fee-free rate. You’ll both come out ahead.

17. Pay off your credit card

When you return from your trip — and before you start dreaming up the next one — make sure to pay off your credit card. If you used your card for most of your purchases abroad, you don’t want to let that hefty balance linger.

Make sure you pay off your credit card and any travel-related expenses as soon as you can so your trip doesn’t end up costing you more down the line.

18. Check on your accounts

On a similar note, make sure you check up on your accounts after returning home from your trip. Don’t let any unfamiliar charges go unnoticed — instead, if you see something suspicious, call your bank or credit card company right away to report the charges.

Next time you travel abroad, use these tips to help keep your money safe while traveling. When you take the time to make security a priority, you can travel with a lot less stress — and spend a lot more time having fun.

Featured image:  HappyTime19 /Shutterstock.com

About the author

Cassidy Horton

Cassidy is a personal finance writer with an MBA and a bachelor’s degree in public relations. She has published hundreds of finance articles online covering a range of topics for variety of publications, including Forbes, The Balance and Money Under 30.

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6 Ways To Keep Your Cash Safe While Traveling

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Whether you’re traveling across the United States or heading out on an international flight, travelers need to safeguard their cash and credit cards to ensure nothing gets lost or stolen. What are some of the best ways to protect cash and credit cards ?

GOBankingRates spoke to several seasoned travelers about their best tips for keeping cash safe during your travels.

Share Your Travel Plans With Your Bank

Before you leave for a trip, especially if you plan on traveling overseas to another country, it’s a good idea to touch base with your bank. Let them know which dates you will be out of the country and the dates you’ll be in each country you plan to visit. 

Most banks have fraud protection programs in place. These work to protect your financial and personal information, monitor your account in real-time for any suspicious activity and alert you in the event of potential fraud through email, phone calls, texts or a mobile app alert.

Don’t Keep All Your Money In One Place

If you are traveling with cash and credit cards, do not keep all of your money in one place like your wallet. Similarly, if you are out and about do not carry all of your cash with you.

Many travelers will consider getting a safe in their hotel rooms and storing their money, credit cards and any other valuables inside. While this is not necessarily bad advice, it’s a good idea to check in with the hotel or place you plan on staying at ahead of time to see if they offer this accommodation. If there isn’t a safe available, consider dividing your money up and storing it inside various personal items like the ones listed below.

Store Money Inside Fake Personal Items

Michelle O’Donnell, owner of Brit Adventures Travel Blog , has four hacks for keeping money safe while traveling as a solo woman overseas. Here are a few ordinary personal items that can be used to store cash.

• A round hairbrush with a hollowed-out middle to store cash inside. O’Donnell said this is great not only for traveling but everyday use in a big city as you’re less likely to be robbed of your hairbrush than your wallet.
• Infinity scarves. These are scarves that are a full circle loop that have discrete, built-in pockets. “On occasion, I have used mine to store my money and passport,” said O’Donnell. “If you didn’t know, you’d never be able to tell.”
• Empty lip balm tubes. These tubes are ideal for storing tiny amounts of emergency cash. Plus, O’Donnell said these tubes are such a regular everyday item that nobody would suspect it!
• Feminine napkins. “I keep a few sanitary pads in my hand luggage on a trip,” said O’Donnell. “I carefully open one and hide money (folded) inside the pad. Then simply fold it all back up and re-stick the sticker and nobody will know. Nobody will check this item for money!”

Use an Anti-Theft Bag

Keeping cards and money safe traveling is of paramount importance to Emily Nancolas, founder of Two Get Lost . One of the key ways Nancolas keeps her belongings safe is by using an anti-theft bag.

Nancolas recommends the anti-theft bags, backpacks and travel gear available at Pacsafe. “Their bags are made from slash-safe material,” said Nancolas. “They lock and unlock easily without the need for an extra padlock, the zip is puncture resistant and they come with many other clever features designed to protect your belongings without a second thought from you.”

One of Nancolas’ favorite features of these bags is that they can easily lock to static objects. This is especially helpful for solo travelers, as it gives travelers the freedom to leave their valuables locked to an immovable object while you go for a dip in the sea or enjoy another fun adventure.

Don’t Drink Too Much

One too many happy hours is not only bad for your wallet and overall travel budget, but it can lead to potentially losing your valuables. You may feel disoriented, or cloudy in your judgment, and may be more likely to misplace important items like your passport, cash or credit cards. 

Take care when going out that you drink responsibly and do not leave any of these valuables out in a place where they could be stolen.

Don’t Share Your Location on Social Media

Most travelers are eager to share their adventures on social media platforms and tag themselves at specific locations. 

However, sharing your exact location on social media can be dangerous. People or followers you don’t know may see your post and know exactly where you are at and what kinds of valuables are currently on your person. (Such as being photographed carrying a designer handbag, new smartphone or expensive sunglasses.)

This could make you a potential target for theft, even if that wasn’t your intention. Be careful to avoid social media posts where you share where you are or where you might be heading to next. 

When in doubt, you can always wait to post photos and videos when you get home and share a more complete update about your adventures.

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How to Keep Your Money Safe While Traveling

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I firmly believe that traveling is often as safe as living in your home city, but being in a foreign place can open you up to some misadventures. Not understanding the language, frequently getting lost, and experiencing culture shock can all add up to distract you from the sneaky local with his hand around your purse. 

Fortunately, there are plenty of things you can do to lower your risk of getting mugged while traveling -- here's what we recommend.

Carry Spare US Dollars

Even if the countries you're traveling through don't accept US dollars, you should absolutely still carry some with you as a backup. US dollars are widely accepted and easily changed into local currencies, no matter where you are in the world. I recommend carrying a spare $200 and keeping it in multiple places in your backpack. 

I place $50 in the bottom of my main backpack, $50 in my daypack, $50 in my purse, and keep $50 in my shoe when I'm out exploring. That way, if I get mugged or have my backpack stolen, I'll have enough money to get a night's accommodation in a hostel , some food, and a frantic phone call to my bank and family. 

Buy a Dummy Wallet

If you're going to be heading to a particular region of the world where pickpocketing can be a real problem for travelers, such as South America , consider purchasing a dummy wallet before you leave.

If you're then approached by somebody and asked to hand over your wallet, give them the fake one filled with a couple of dollars and a few of those sample credit cards, expired debit cards, and gift cards you often receive in the mail. Having a dummy wallet can really save your finances, as few thieves have time to go through your wallet to check it's real. 

Consider Clothing with Concealed Pockets

I don't recommend traveling with a money belt because they're uncomfortable, start to smell after too many days in humid climates absorbing your sweat, and make it look like you're rummaging around in your underwear every time you need to pay for something. Plus, several of my friends who have been victims of muggings in South America had their attacker look for a money belt as their first port of call. Theives know all about money belts and it's often their first destination when they're preying on an inexperienced tourist. 

Money belts aren't your only option when it comes to keeping your money safe. Now, you can buy underwear with pockets in, can store money in a pocket in the side of a bra, and can purchase shirts and vest tops with concealed pockets. These options are all great for long transport days, especially if you're going to be traveling overnight. You'll have your money safely concealed on your person and will be unlikely to sleep through a robbery if the thief is pulling money out of your bra! This isn't yet something that muggers are aware of, so you'll likely be fine if you're pulled over on a street in Brazil and asked for everything you have. 

If you're still determined to travel with a money belt or opt to travel with concealed pocket-clothing, remember that when you're paying for an item and reaching into a concealed pocket you're advertising exactly where you keep your money to any possible thieves who could be watching. I therefore recommend checking your surroundings before advertising you have something valuable you want to hide and if possible, doing so while facing a wall and away from a crowd. 

Don't Carry Everything at Once

I recommend withdrawing as much money from an ATM as it, or your bank, will allow to minimize fees while traveling, but you don't want to be carrying all of that cash around with you at all times. When you head out exploring for the day take only what you expect you'll spend, plus a little bit extra in case of emergencies. That way, if you were to be mugged you'll only lose $20 instead of the $250 you got out of the ATM a few days ago. 

Additionally, I recommend traveling with more than one debit/credit card and keeping them in separate places. If you debit card is stolen by someone while traveling, you'll still have another to withdraw money from until you get your other one replaced. 

Take Photos of Your Debit Cards Before You Leave

I highly recommend taking photos of all of your important documents before you leave to travel and then emailing copies of them to yourself. Make sure to snap a photo of all of your debit/credit cards, any visas in your passport, and your passport itself. That way, if you happen to have everything stolen, as long as you can find Internet access, you can find out what your card number is and pay for accommodation and transport online as an emergency. 

Let Your Bank Know Where You're Going to be Traveling To

Before you leave, make sure to give your bank a call with information on where you're going to be traveling to and your travel dates. That way, they'll be far more likely to block your card for genuine attempts at identity theft, rather than for you hopping over to Cambodia and trying to withdraw cash.

Try to Use ATMs Inside Banks

In order to stay as safe as possible, try to use only ATMs that are inside a bank. It's reasonably common to come across an ATM in the middle of a tourist spot that have skimmers added to catch you out. If you use an ATM inside a bank, it's far less likely to have been tampered with. In Mozambique, the banks have guards with enormous rifles standing outside each ATM to ensure you'll be safe while withdrawing money. 

Pay For Bigger Purchases With Your Cards

If you're going to be buying an expensive souvenir, it's best to use a credit card to do so. That way, if your souvenir is stolen, you can call your credit card company and they'll likely refund the money to your card. 

Use the Safe in Your Guesthouse

You can never be too careful! While you're out exploring, make sure to put all of your money and valuables into your hotel safe to keep them away from any tempted fingers. If your hostel or hotel doesn't have a safe, look to conceal your valuables in a place where the staff won't look, such as a bathroom cabinet or underneath the mattress of your bed. 

Research Exchange Rates Before You Arrive

If you happen to be heading out on a multi-country trip, it can be frustrating to have to constantly look up exchange rates, but it's well worth doing just before you arrive in a new place. There are plenty of shady money changers out there, who prey on tourists who haven't yet learned what the exchange rate is, giving you a terrible rate. 

This is also smart for ensuring you don't get ripped off. Taxis are notorious for charging extortionate rates at airports because tourists often aren't aware of what the prices should be. Remain informed with a quick search when you arrive in an airport, using their free Wi-Fi. It takes two minutes but can save you a lot of money and heartache later on. 

Consider Picking Up a Prepaid Credit Card

If you travel with a prepaid credit card, it's less of a concern if it happens to be stolen. If you never transfer more than around $200 to the card, it won't be a great loss of money if it's stolen. 

Be Cautious at Airport Security 

It's rare, but it can happen. When passing through airport security, make sure to put your bags on the conveyor belt just as you're about to pass through the security scanner. This means you'll be waiting for your bag when it arrives at the other end, minimizing the chance of someone else grabbing it. 

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How to Keep Your Money Safe While Traveling

The world has many different customs, cultures, foods, languages, and, of course, currencies. While navigating food and language can be an adventure, showing up unprepared to pay for your yurt rental in Mongolia or for a Fair Isle sweater in Galway can be incredibly stressful.

Before you hit the road or the airport (or the airport to the road), make sure you have the right combination of cash and credit cards to ensure your journey is a smooth one. You wouldn’t want to miss out on the best taco in all of Mexico City because of a simple misjudgment.

Here are a few tips for making sure you have a handle on your money while you’re out exploring the world.

Tell your bank you’ll be traveling.

There is nothing more frustrating than carefully choosing a souvenir at Helsinki’s Kiasma Museum or picking up a gorgeous scarf at a boutique near Rome’s Spanish Steps only to have your credit card declined because your bank doesn’t know you’re abroad. Avoid this frustrating situation by taking a few minutes to alert your bank about your travel plans in advance.

Exchange before you go.

Airport currency exchanges typically charge a commission when swapping dollars for baht, pesos, or other currency. Most banks will have a stash of Euros, British pounds, and Canadian dollars on hand, but if you’re traveling somewhere less common talk to your bank at least two weeks before you travel and they will usually be able to get any currency you need. As for the amount you need, it’s up to you to balance necessity and risk. As for you high rollers, don’t forget you must declare amounts over $10,000 when entering many countries, including the U.S. and European Union.

Cash is king.

The general rule is to bring enough cash to cover your expenses — taxis, food, emergency coffee — for the first 24 hours of your trip or until you can find an ATM. Pay for hotels, car rentals, and larger purchases on a credit card, but keep cash on hand for smaller sales at local businesses.

Many Asian and African nations, as well as smaller towns everywhere across South America and Europe are not yet tied into the global ATM and credit network, rendering your credit card a useless piece of plastic. Depending on where you travel, you’ll most likely want to have a good cache of cash with you to make sure you can fill your gas tank in Tanzania or buy dinner in the Belizean jungle. As for stashing the cash, make use of your hotel safe, your money belt, or that can of fake shaving cream your uncle gave you for Christmas — whatever makes you feel safest.

Use your ATM card.

If you’re traveling in a major city like Amsterdam or Glasgow or Vancouver , the easiest way to get cash is to simply hit the ATM. Thanks to the vast reach of banking networks, it’s easy to use your bank card and extract local currency at an exchange rate set by the banks. They may charge an ATM fee, but it’s usually much less than the fee charged by a currency exchange. Minimize the charge by taking out a reasonable amount (say, $200 instead of your usual $60) when you go to the ATM. That said, be aware that even in developed nations like Brazil, it can be incredibly difficult to get cash out of an ATM and you may need to go into a bank or fall back on a currency exchange. A final note of caution, be sure to choose an ATM associated with a bank and not some stand-alone ATM in the back of a Berlin beer hall.

Pay in foreign currency.

When you’re at the shop and you’ve handed the clerk your credit card and he asks if you would prefer to pay in dollars or Euros (or Yuan or Rand), choose to pay in the local currency. Your bank’s rates will almost always be better than the retailer’s rate. Plus, if your purchase takes place outside the U.S., your bank will consider it a “foreign transaction” with the associated fees, even if you choose to pay in U.S. dollars.

Bring a back-up card.

Whether you’re headed to a sample sale or traveling abroad, it’s always a good idea to bring backup. Bring a spare credit or debit card and stash it separately from your primary card (like in your cosmetics case, instead of your wallet or in the hotel safe). That way, if you leave your wallet in a Venetian vaporetto or on a bus bound for Reno, you’ll already have a back-up plan ready to go until you can get a replacement for your primary card. If the worst happens and you lose your card due to distraction or theft, be sure to bring the international phone number to cancel your card, if need be.

Consider (modern) traveler's checks.

Traveler’s checks are basically the flip phones of travel currency — they’re solidly old school, but still useful. That said, American Express still offers them to travelers. If you’re looking for a more modern take on the security of traveler’s checks, consider a pre-paid travel card, which works like a credit card for cash withdrawals and purchases, but can quickly be replaced if lost or stolen, usually within 24 hours.

In a pinch, wire money.

Those who enjoy traveling far off the beaten path, or those who find themselves in the midst of a misadventure may find themselves desperately needing an infusion of cold hard cash. The best way to get some quick cash from back home is to ask a good friend or family member to wire you money. Whether you’re in Marrakech or Montevideo, Western Union and Moneygram have offices and agents in some surprisingly far-flung corners of the world. That means that travelers who find themselves in a bind can get emergency cash almost anywhere in the world. Unfortunately, that convenience comes at a price — wire transfers from home with services tacking on a hefty percentage as a service fee, which is why wire transfers are only recommended in emergencies.

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How To Keep Your Money Safe While Traveling

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Table of Contents

What to do before you go

What to do while you're abroad, what to do if theft happens to you.

An overseas adventure can be a lot of fun, but there are potential hazards that travelers should take into account when planning trips.

Beyond physical safety, your financial security can easily be jeopardized by scammers and thieves if you aren’t careful. Here are some tips and tricks for how to keep your money safe while traveling abroad.

1. Figure out the best plastic to pack

Familiarize yourself with your credit cards' travel-related perks and benefits. Some cards, for example, offer rental car insurance, trip cancellation insurance, lost luggage reimbursement, travel accident insurance and more. It's even better if your card is on a network with wide international acceptance (Visa or Mastercard), and if it doesn't charge foreign transaction fees.

You should also bring a debit card, in case you need to access cash. But check to see whether yours will reimburse you for ATM fees.

» Learn more: Credit card tips to take with you overseas

2. Order some currency for the country you're visiting

Speaking of cash, getting some in advance of your trip is a good idea. Not only will the exchange rate likely be better upfront, but it also will mean fewer visits to ATMs and other places where your debit or credit cards may be compromised — and therefore less risk of falling victim to scammers. Just be sure to keep your physical wallet secure, and consider carrying cash and credit cards separately so that you still have a method of payment in case you’re pickpocketed.

3. Buy a tamper-proof, RFID-blocking wallet

And speaking of pickpockets, many are experts at finagling physical wallets away from unsuspecting travelers, but these days they can also steal digital credit card information via radio-frequency identification skimmers. Protect against both kinds of theft with an RFID-blocking travel wallet that can be tucked into your waistband or under your shirt to ward off sticky fingers.

4. Inform your bank/card issuer of your itinerary

If your bank/issuer doesn’t know that you’re traveling outside the country, it may freeze your account and apply a fraud alert when it sees foreign transactions. By letting your bank/issuer know your travel plans, you ensure you'll be able to use your card freely. And you can still be alerted if your card information is used outside of your planned destination.

5. Set up account alerts you can easily access

You might not have cell service when traveling overseas, but a Wi-Fi connection will allow you to receive emails or push notifications from your bank/issuer about account activity. They can help you know if your card or account has been compromised.

» Learn more: 10 ways to minimize mix-ups on your first trip abroad

6. Photocopy necessary documents, write down bank contact info

If your physical wallet is stolen, you’ll want to have backup copies of your passport and have access to bank contact information so that you can cancel any compromised cards.

7. Think about getting travel insurance

If you're not already covered by your primary health insurance or your credit card's insurance-related perks, you might want to consider travel insurance. The right policy can protect you from the financial loss of misplaced luggage, travel delays, medical emergencies and more.

1. Be vigilant about pickpockets

Crowded places are a thief's playground. Be wary of where you keep your wallet, and watch out for people who bump into you, as they may be trying to swipe it. Better yet, avoid carrying your wallet at all if you can.

2. Use your hotel room's safe

Ideally, your hotel room will have a safe in which to store important documents (like your passport), as well as some extra cash and a spare credit card — or some payment form that you don’t have to carry on your person while exploring your destination. If your hotel lacks this option, a lockable suitcase could work, although a locked bag is much easier to carry out of a hotel room than a safe is. Or, ask if your hotel has a safe in the office and allows guests to store items there.

3. Look out for malicious technology, like skimmers

If an ATM or merchant point-of-sale device looks sketchy, you may want to avoid using it. A credit card skimmer, a device that thieves can attach to point-of-sale terminals, can quickly copy your credit card’s information, which can then be sold to others or used to make fraudulent purchases. The devices often are hard to spot because they look like regular magnetic stripe swipers.

» Learn more: How to prevent credit card fraud

4. Be aware of common scams at your destination

Unscrupulous taxi drivers with "broken meters," “friendly” locals who want to show you how to use ATMs, and elaborate ploys performed by street vendors and beggars can trick you out of your money. Research common problems before you go, as scams like these can happen the moment you leave the airport.

5. Be careful about which Wi-Fi networks you use

Entering bank usernames and passwords on your laptop or smartphone while on a public Wi-Fi network can leave you susceptible to fraud and theft. Only use private, secure Wi-Fi networks to check banking or credit card information while abroad.

1. Report card theft to your bank or issuer

If you've lost a wad of cash, you're probably out of luck. But if your debit or credit card has been compromised, your bank/issuer should be able to cancel the card, ideally before the thief does too much damage. Remember that fraud protections for credit cards are generally more robust than they are for debit cards. (With the latter, it's your own money at risk, not the bank's.)

2. Report illegal behavior to local authorities

A police report is often necessary if you later file for identity theft relief or have to dispute false information on your credit report. The local police can also benefit from having information about criminals in the area.

3. Use your backup credit card and/or cash

Ideally, you’ve kept a spare credit card or cash squirreled away from the rest of your wallet. If so, it can help tide you over for the remainder of the trip, or at least until you can receive a new card or get to a bank to withdraw more funds.

4. Keep tabs on your credit report

Even after you’ve closed your compromised credit cards, you’ll want to make sure scammers haven’t somehow managed to open anything new in your name and that you don't have unpaid fraudulent charges racking up interest and late payment fees. If you see something that looks odd on your report, be sure to dispute it with the major credit bureaus. You'll also want to ensure that you've updated any autopay accounts that require a new card number, so that you don't miss an important recurring payment.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

UponArriving

How Much Cash Can You Travel With? (TSA & International Rules) [2023]

So you have a load of cash and you want to transport it across the country or perhaps even internationally. But exactly how much cash are you allowed to travel with?

In this article, I will break down everything you need to know about traveling with cash including important rules and limitations when flying.

I’ll also cover a number of key considerations you will want to think about before taking your cash with you when going through TSA or even traveling internationally.

Table of Contents

How much cash can you travel with?

There are no limits on the amount of cash you can travel with but there are some major considerations you need to think about when doing so.

If you are traveling domestically, your primary concern is avoiding forfeiture of your cash.

If you are traveling internationally, forfeiture is a concern but you should also be focused on remembering to declare the value of your currency and monetary instruments totaling above $10,000. Keep reading to find out more.

Tip: Use the free app WalletFlo to help you travel the world for free by finding the best travel credit cards and promotions!

Legal risks of traveling with cash

TSA is concerned about dangerous threats such as explosives and not with enforcing laws and penal codes. (This is why they do not  check for arrest warrants .)

Your cash money does not present a dangerous threat and so there should be no legitimate concern about it harming other passengers on the plane.

However, in the past there have been reports of TSA agents initiating the process for seizing cash from passengers under the suspicion that it is money gained from an illegal activity or money that is intended to be used on illegal activity.

Think drugs, weapons, and organized crime activities.

The seizing of cash can be accomplished under a number of different statutes including 21 U.S. Code § 881(a)(6) which governs forfeitures.

It states that you have no property right for:

(6) All moneys, negotiable instruments, securities, or other things of value furnished or intended to be furnished by any person in exchange for a  controlled substance  or  listed chemical  in violation of this subchapter, all proceeds traceable to such an exchange, and all moneys, negotiable instruments, and securities used or intended to be used to facilitate any violation of this subchapter.

It’s possible that if a TSA agent spots a lot of cash on you or in your bag (especially a lot of smaller bills like $20 bills) they could refer you to authorities (i.e., DEA) for some type of questioning.

The authorities may check to see if you are on some type of watchlist but even if you are not they may still deem that your cash is subject to civil forfeiture, which means that it will all be taken from you.

This can happen even if you have not been charged or convicted of any crime.

Some dogs that patrol airports have a nose for cash and a lot of cash has come into contact with illegal narcotics.

In fact, a study by Yuegang Zuo of the University of Massachusetts Dartmouth in 2009 found that about  90 percent of banknotes contain traces of cocaine . Traces of other drugs have also been found on cash like codeine, amphetamines and methamphetamines .

That means that “false positives” could be triggered, which could potentially be used as further evidence about your illegal activity (reportedly dogs don’t usually sniff out these faint traces).

If your money is seized you should have the opportunity to petition the process and to retrieve your funds.

It’s an odd legal proceeding where your cash is literally the defendant: “United States of America v. $50,000 in United States currency.”

That’s important because it means that the legal burden of proof is at the civil level which only requires it to be more likely than not that you were up to no good.

This petition process may not be very fun, could last a long time, and could be very costly. For example, you will likely need to hire an attorney which might cost you as much money as you have at stake.

Your success rate could also be very low.

In March 2017, the Justice Department’s Office of Inspector General reported that over the course of 10 years, the DEA only returned money in 8% of cases.

And if you do get your money back, if you owe taxes or judgments, those will likely have to be paid out first.

For these reasons, I would try to limit the cash I take through TSA security to maybe just a couple of thousand dollars (If that).

Personally, the most cash I ever carry on me is a couple of hundred bucks.

This may be problematic for people who want to gamble at their destination or who are looking to do things like purchase a car with cash but you should make alternative arrangements to receive your cash at your destination if possible.

Tips for traveling domestically with cash

If you are thinking about traveling through TSA with cash my advice would be the following:

Keep the amount as small as possible

First, avoid bringing more than $2,000 in cash if possible. That should be well below the level considered to be suspicious, as the lowest amount I saw subject to forfeiture was $6,000.

Also, try to avoid $20 bills since those are customarily used in drug deals.

Notify a TSA agent

If you do bring cash consider notifying a TSA agent when you enter the line and see if you can get some type of private or secondary screening.

If you have TSA Pre-Check , an agent might consider you to be less likely to be engaged in criminal activity but that is not a guarantee.

But note that cash has been seized in cases where people notified a TSA agent themselves so this is not a full proof method.

And it goes without saying but do not attempt to conceal the cash on your body such as strapping it to your chest because the full body scanners will find this quite easily.

Avoid checked baggage

You might be thinking about putting the cash in your checked baggage but that is not a good idea.

For one, if the cash was detected you will not be there to explain the situation and you may be caught off guard later when you are brought in for questioning by the DEA.

Second, if your cash is detected it’s possible that an unethical TSA agent could simply decide to take your cash.

And finally, if your luggage is lost you will not be able to retrieve that cash and cash is almost always an exception to baggage insurance policies.

Bring documentation

If you are traveling with a lot of cash because you want to purchase a vehicle or take care of some other transaction make sure that you have all of the supporting documentation already with you in case you are brought in for questioning.

Presenting anything less than an airtight explanation for transporting cash can mean instant forfeiture.

Avoid transporting suspicious items

It is a good idea to avoid transporting other items such as marijuana along with your cash since that will only reinforce the image that you are up to some type of criminal drug activity.

This is even the case if the state you are flying out of has legalized marijuana.

Consider your criminal history

And finally, if you have any type of criminal history — especially cases related to drug infractions — the odds of you encountering an issue with forfeiture go up.

That’s because it will be that much easier for them to make a case against you. Remember, we are talking about a civil court burden of proof — not criminal court.

So you should really reconsider bringing a lot of cash if that applies to you.

The International cash limit of $10,000 and the need to declare

US Customs and Border Protection is clear that you can transport “any amount of currency or other monetary instruments into or out of the United States.”

The caveat is that if the amount of currency exceeds $10,000 or it’s for an equivalent then you will need to file a  FinCEN Form 105  (“Report of International Transportation of Currency or Monetary Instruments”) with U.S. Customs and Border Protection.

This is a pretty simple form to fill out and basically just requires you to input the following information:

• Contact information including passport number
• Export/import information
• Shipping information if applicable
• Details of the currency or monetary instrument

You can file this form electronically at  FinCEN Form 105 CMIR, U.S. Customs and Border Protection (dhs.gov) but you can also file it in paper form.

In addition, if you are entering the United States you must declare if you are carrying currency or any other monetary instruments if they total over $10,000.

You can make this declaration on your Customs Declaration Form (CBP Form 6059B) and then file a FinCEN Form 105.

Do not blow off this requirement because failing to declare could mean forfeiture of your money and some pretty serious criminal penalties.

And remember each country has its own policy regarding traveling with cash so you have to make sure you are in compliance with the country you are headed to.

Monetary instrument

Unless you went to law school for three years you might be wondering what a “monetary instrument” is as it’s found on the  FinCEN Form 105 .

US Customs and Border Protection defines it as:

• Traveler’s checks in any form
• All negotiable instruments (including personal checks, business checks, official bank checks, cashier’s checks, third-party checks, promissory notes, and money orders) that are either, in bearer form, endorsed without restriction, made out to a fictitious payee, or otherwise in such form that title passes upon delivery
• Incomplete instruments (including personal checks, business checks, official bank checks, cashiers’ checks, third-party checks, promissory notes, and money orders) signed but with the payee’s name omitted
• securities or stock in bearer form or otherwise, in such form that title passes thereto upon delivery.

In this article we are mostly focused on cash which would most definitely fall under “currency.”

Specifically, 19 CFR § 1010.100(m) defines “currency” as the coin and paper money of the United States or of any other country that:

• (1) is designated as legal tender, (2) circulates, and (3) is customarily used and accepted as a medium of exchange in the country of issuance. 
• Currency includes U.S. silver certificates, U.S. notes, and Federal Reserve notes. 
• Currency also includes official foreign bank notes that are customarily used and accepted as a medium of exchange in a foreign country.

The big take away here is that this restriction applies to cash of the US and also other countries.

The cash of pretty much every developed country is going to meet the requirements for currency listed above so it doesn’t matter if you are transporting Great Britain Pounds, Euros, etc.

Keep in mind that each form of currency and monetary instrument counts separately, as well. So if you have $6,000 in cash and a $5,000 traveler’s check, you are above the limit.

And members of a family residing in one household entering the United States that submit a joint or family declaration must declare if the members are collectively above the $10,000 limit.

So if a husband has $4,000 and the wife has $7,000, that family must declare because they are collectively above the limit.  

Items that don’t count as currency

Some items related to currency do not officially count as currency but you still may have to declare them as “merchandise.”

For example, coins of precious metals, including silver and gold, do not fall into the definition of “monetary instrument” or “currency.” 

However, coins of precious metals must be declared as merchandise if they are acquired abroad.

Other articles of precious metals (including gold bullion, gold bars, and gold jewelry) also do not fall into the definition of “monetary instrument” or “currency.”

However, these articles must also be declared as merchandise if they are acquired abroad.

They also have a list of excluded items which includes:

• Warehouse receipts and bills of lading
• Monetary instruments that are made payable to a named person, but are not endorsed or which bear restrictive endorsements
• Credit cards and prepaid cards
• Virtual currencies including Bitcoin

So if you are traveling around with credit limits above $50,000 or a nice stash of cryptocurrency you don’t have to worry about declaring those items.

Factors to consider when traveling with cash

When you are traveling chances are you are going to want to spend some money on various expenses like dining and excursions. It is highly recommended to use a good travel rewards credit card for these expenses for a few reasons.

Getting through security

If you have a bag full of cash money, that bag is going to have to get through security at some point. This may be at the airport, a train station, etc.

As explained in detail above, if a screening agent notices that you have wads of cash in a bag this could potentially raise a red flag and a worst-case scenario of you losing your cash and never getting it back.

The theft risk

Traveling with cash is risky whether you keep that cash on you or you stored in your hotel room.

If you are walking around with cash on you there is always that chance that you could run into a thief. This could be someone who could pick pocket your wallet or cash right out of your clothes or bag.

Or in a more serious case, this could be someone who holds you up with some type of weapon and forces you to handover your cash.

If you are going to travel with cash on your person it’s recommended to have some type of hidden wallet and a dummy wallet in your pocket. Your dummy wallet will have a small amount of cash, perhaps a duplicate credit card and even a duplicate ID to make it look as realistic as possible.

The idea is that if someone were to take that dummy wallet they would only get away with a minimal amount of your valuables. You could then have your real stash of cash hidden beneath your clothing.

If you choose to store your cash in your hotel room you also need to be careful. Putting your cash into a hotel safe is not quite as secure as you might think . In some cases you may actually want to just hide your cash somewhere in the room where a thief would not think to look.

Either way you go, carrying a lot of cash on you is a risk that you need to weigh very carefully.

Travel insurance

You can get travel insurance by paying for your excursions and travels with a good travel credit card.

So if for some reason you purchase a nonrefundable hotel or tour and then you have to cancel because you get sick or for some other covered reason, you can get fully reimbursed for your purchase. In some cases this could put thousands of dollars back in your pocket.

But if you paid for something like your hotel with cash there is a good chance that you will simply be out of luck and get hit with the loss.

Also, you might struggle to even be able to pay cash for certain travel expenses like rental cars .

Foreign conversion fees

When you convert your cash into a foreign currency you will be paying some type of conversion fee and in some cases may be dealing with a subpar rate, especially at those kiosks .

Certain types of ATM cards will allow you to withdraw cash in the local currency with minimal fees but the best way to make purchases abroad is to simply have a credit card with no foreign transaction fees.

Travel credit cards are great about offering rewards on purchases made abroad.

You don’t have to look very far to find a credit card that will earn you extra bonus points on flights, hotels, and even your tours and events. Earning extra points on dining, even when dining abroad, is also easy with cards like the Amex Gold Card.

By paying with cash you are missing out on all of these valuable rewards.

Traveling with a lot of cash can be problematic because that is often how actors travel who are engaged in criminal activities.

Your best bet is to avoid bringing a lot of cash but if you must, try to bring as much supporting documentation as possible and be prepared for questioning and the possibility of you having to fight against the government to retrieve your money.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

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Travel activity is on the rise as more Americans are on the go this year and engaging in so-called “revenge travel” to make up for trips not taken during the pandemic lockdown. By all means enjoy these trips, but also remember to stay safe — and that includes keeping your money secure while you’re out and about.

While cards are a staple for financial transactions, there may be circumstances where it’s appropriate to carry actual cash as well. Here are some tips on how to keep your money safe while you enjoy your travels.

Key cost of traveling statistics

• Travel and tourism accounted for 7.6 percent of global GDP in 2022 ( World Travel & Tourism Council )
• Attempts at digital fraud have gone up 80 percent from 2019 to 2022, as the number of digital transactions rose during the pandemic. The travel and leisure industry has been particularly hard hit, with a 117 percent rise in digital fraud attempts over this period. ( TransUnion )
• There were 440,631 reports of credit card identity theft fraud in 2022 ( Federal Trade Commission )
• Payment card fraud losses worldwide are projected to cumulate to $397 billion worldwide by 2031 ($165 billion for the U.S.), from more than $32 billion for 2021 ( Nilson Report )
• In 2021, there were about 54,000 cases of credit card fraud related to consumers on vacation ( Federal Trade Commission )
• Some pickpocketing hotspots globally (based on tourist reviews that mention pickpockets) are Barcelona, Paris and Rome ( money.co.uk )

Stick to credit cards…

One way to stay financially safe while traveling is to use credit cards . They come with zero liability protection in case your card is stolen or compromised, as well as other consumer protections. For one, you can dispute fraudulent charges and billing issues. If you use debit cards, you will have fewer protections and could find yourself on the hook for losses (though you’ll still want to keep a debit card with you for withdrawing cash at ATMs).

Different credit cards offer various travel perks (such as free lounge access, lost luggage compensation and travel insurance), so it can be a good idea to take two or more cards that align with your needs. It’s also smart to have more than one card handy in case you lose one. Cards issued by the Visa and Mastercard networks tend to have wider global acceptance than those issued by American Express and Discover.

As a safety measure, make copies of your cards to store your card information for reference in case you lose your physical cards. Don’t rely on using a mobile wallet rather than your physical cards, in case you lose your phone while traveling.

…But hold some cash, just in case

Even though it’s safer to rely primarily on credit cards, it’s still a good idea to have some cash available as a backup — and not just because it’ll come in handy if your cards are stolen. Smaller restaurants and retailers might insist on cash, and you could need cash to pay for smaller transactions with street vendors. Also, if you’re somewhere off the beaten path, cash is likely to be a more readily accepted mode of payment.

You can pick up cash before traveling by exchanging your U.S. dollars for the currency of your destination, for a fee, at a bank or credit union. At your destination, you can also get local currency at an ATM or at the airport right after your arrival (though, if you have to use an ATM, take the time to find one in a safe location).

That said, when you do carry cash, keep it safe. Opt for a money belt you can wear around your stomach, which can help you store your cash in an inconspicuous manner.

Let your bank know you’re traveling

Before heading out on your travels, notify your bank of your travel plans — especially if you’ll be traveling abroad. That way, it will know not to decline transactions that seem suspicious. You can do this over the phone, by contacting a representative or online.

Keep in mind that banks often utilize fraud prevention measures that could be triggered if they see activity on your card account that isn’t in line with your typical spending patterns. Your issuer could then suspend your account while contacting you to verify the charge, potentially putting you in a tough position while traveling.

Since you don’t want to have a card transaction declined unexpectedly and be left without any means of paying for your purchase, keep your bank informed about your travel plans. Then, when it sees any charges you make while miles away from your homebase, there shouldn’t be an issue.

Set up account alerts

While notifying your bank of your plans, see if you can sign up for credit card account alerts at the same time. When you set up purchase alerts, you’ll get text, email or push notifications whenever your card is used. Then, if your card is somehow compromised and someone uses it for an unauthorized transaction, you’ll know about it in time to take action.

If you get a notification about a transaction you don’t recognize, immediately notify your issuer so that it can look into the matter and freeze the card if necessary.

Freezing your credit may also be a good idea, so that no one can fraudulently open credit card accounts in your name while traveling. If needed, all three credit bureaus — Experian, Equifax and TransUnion — allow you to briefly thaw your credit freezes in order to apply for credit. Once the thaw period expires, your credit will be re-frozen, protecting you while you’re away.

Be on the lookout for scammers

Tourists on vacation can be an easy target for scammers, which is why it’s important to be watchful of your belongings and cash.

One popular scam is credit card skimming . This is common at gas stations and other places that have ATMs, as ATMs can be set up to capture your card information and enable scammers to use it for fraudulent transactions.

To protect yourself, prevent people nearby from seeing your personal identification number (PIN) when you enter it at the ATM. Further, don’t give your passport or credit cards as a security deposit to tour operators or others, and avoid overindulging at local bars. Doing so can cause your judgment to be compromised, allowing unscrupulous people to take advantage of you.

Pickpockets also present a hazard to unsuspecting tourists. Based on tourist reviews, popular tourist spots such as Barcelona, Paris and Rome tend to attract pickpockets looking to prey on tourists, so be careful in these types of destinations. Pickpockets may operate alone or in a team, with one person distracting you while their partner looks to take your wallet.

Be watchful when shopping with street vendors too, as they could compromise your credit card or give you incorrect change. And while most merchants are reputable, some may well team up with pickpockets and distract you while their partners ply their trade on you.

Consider getting travel insurance

You may also be wondering if travel insurance is worth it. This sort of insurance offers protection against medical emergencies, trip cancellations and lost baggage.

However, note that a number of credit cards also come with travel insurance benefits that protect you from the fallouts of canceled flights (including a potential hotel stay) or lost baggage, assuming you use the card to book your travel. Medical expenses that your health insurance won’t pick up could also be covered by your credit card’s travel insurance.

If you’re on an extended international trip, though, it may be a good idea to take out a separate travel insurance policy. These types of policies are available on a one-off or annual basis, and they can be used to cover any shortfalls between your card’s travel insurance and your medical insurance. Take the time to evaluate any travel insurance or card benefits you already have access to before deciding whether a standalone policy will be worthwhile.

What to do if you’re robbed abroad

As a tourist, you may be vulnerable to being robbed. Be especially careful when you’re in a crowded area, as pickpockets could sense an opportunity to take advantage of you. That said, it may not even be a physical assault that you fall victim to. You could have your card information or other sensitive personal information stolen if you use unsecured public wi-fi, use an ATM with a card skimmer or lose your cards.

To minimize the impact of an attack, don’t carry more cash than you anticipate needing for the day. Also, be careful with your mobile phone, as it contains a lot of information about you, potentially including your credit card and bank information.

In case you do end up getting robbed, immediately contact the local police station and file a report. You should also get a copy of this report for when you file an insurance claim. If your credit card is stolen, get in touch with your bank — and if it’s your passport that thieves get away with, get in touch with the nearest U.S. embassy ASAP.

If your credit card information or other personal information is compromised, it’s also a good idea to keep a watch on your credit report (assuming it hasn’t already been frozen). That way, you’ll know right away if a fraudster takes out credit in your name.

Frequently asked questions

Where is the best place to keep your passport and money while traveling, what does travel insurance cover, are hotel safes safe.

Related Articles

Personal banking when you travel abroad

Travel scams that can hurt your credit and finances

Solo female travel: How to keep yourself and your finances safe

Travel inflation starts to ease, but prices remain high

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How to hide money while travelling.

Are you worried about where to hide money while travelling?  I’ve got some kick-ass solutions for you!  Keeping money safe while travelling is very important for us all and being robbed or pickpocketed is upsetting at any time, especially when you are in a foreign country and are supposed to be enjoying your trip!   Here are some tips for how to hide money while travelling, so you can keep your cash safe and have a great time wherever you are in the world.

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Money Safety Travel Tips

Before we get into hiding money while you are travelling, these are some general travel tips for keeping your valuables safe.

Avoid Carrying a Lot of Money

First off, avoid carrying large amounts of cash with you.  While it is very useful to have some local currency to pay for transport, food, tips and so on, walking around with a fat wad of notes is asking for trouble. 

Don’t Flash the Cash

Another reason to not carry cash in large amounts is that other people notice when you peel off a couple of notes from a roll of 50s, or when you have to rifle through your wallet to find the correct money.  If pickpockets and thieves spot that you have a lot of money on you, that makes you even more of a target.

Separate Your Money & Cards

However much money you are carrying it is best to separate it and hide different amounts in various places in your luggage, handbag and about your person so if you do have some of it stolen you’ll still have some money left.

The same applies to credit and debit cards.  Do not put all of your money and credit cards in one place because if that gets stolen you are in trouble.  Spread around what you have and hide it all in different places – just make sure you remember where you put it!

Only Take What You Can Afford to Lose

This counts for cash and for valuable items such as expensive watches, cameras, laptops, phones and jewellery or anything with a high sentimental value.  Do you really need to take that diamond bracelet your late grandma gave you or is it better to leave it at home?

There is an argument for not saving everything for a special occasion, you should enjoy these fabulous things of course, but is it worth the risk of losing them?

Have you got Travel Insurance?

• Unfortunately, things can and do go wrong when you travel.  I never leave home without travel insurance, so consider getting insurance for your trip to cover things like adventure sports and activities as well as emergency medical, lost luggage, stolen items, trip cancellation and more.  
• Get a quote for your trip from True Traveller if you're based in the UK, or World Nomads or SafetyWing which both offer travel insurance for backpackers and long-term travellers.  Alternatively, use a comparison site like Travel Insurance Master to find the best cover for you.

Remember your Safety Is Worth More than Money

These ideas might not work every time, but the point is to not make it easy for opportunistic thieves.  If someone really wants to steal your money they’ll take your whole bag or threaten you with violence until you hand it over – in which case don’t hesitate. 

Your life is worth significantly more than whatever cash you’re carrying at that moment.

Have a Decoy Wallet

If you do happen to get robbed then having a decoy or a dummy wallet with some small notes and an expired credit card can be a good way to get out of trouble quickly. 

Keep that in your pocket so it is easily accessible, and can be handed over in an instant if the need arises.  This could also deter pickpockets if they find that quickly they may not bother looking for anything else and you’ll keep the rest of your cash safe!

Keep Some Cash in Easy Reach

This might seem like poor advice, but if you have to rummage underneath your clothes every time you want to buy an ice cream, not only is this irritating and time-consuming, but it also shows everyone around you where your hidden stash is, so it isn’t so hidden anymore. 

Having some change or a small amount of ready cash in a pocket can make things much easier – perhaps in your decoy wallet.

Use an Anti-Theft Bag

Choose a Theftproof Backpack

If you are travelling with a backpack, theft-proof backpacks are very useful.  Standard backpacks are all too easy to unzip and grab things out of, or slash and grab while you are blissfully unaware.   

The PINCNEL Waterproof Nylon Anti-theft Rucksack is a great way to keep your belongings safe as the zipper is against your back to stop it from being opened from behind.   It comes in a variety of colours, and is 100% nylon, or you can choose a faux leather style made with soft PU leather and nylon and is stylish and practical.

SHRRADOO Anti Theft Laptop Backpack is a larger backpack so you can fit all of your belongings while you’re on the go.  It can hold a 17 inch laptop with a spacious main packing compartment secured with a built-in padlock as well as a front compartment with several pockets.  A small anti-theft pocket on the lower back part will keep your passport, wallet, phone and other valuable items safe and handy.

The oscaurt Anti Theft Backpack is perfect for business travellers and will hold at 15.6 inch laptop.  It has a hidden zipper and a USB charging port to keep your phone charged on the go, although you’ll need your own portable power bank .  It is made of strong anti-slash fabric and also has a luggage strap that allows the travel backpack to hook to a suitcase.  

PINCNEL Waterproof Anti-theft Rucksack

SHRRADOO 

Anti Theft Laptop Backpack 

oscaurt 

Anti-Theft Travel Backpack

Use the Hotel Safe

If you have a safe in your hotel room or accommodation, make use of it.  Thefts from hotel safes do happen, but they’re usually less likely than being pickpocketed on the street.  However, if you don’t feel comfortable doing that then keep reading for tips on how to hide money in a hotel room.

Portable Safe

While no replacement for a proper safe, this portable safe can keep your valuables safer than just leaving them in full view!  You can attach the cable to something solid in your hotel like a metal bedframe or water pipe, or if you are at the beach attach it to your parasol and bury it in the sand. 

Bring Padlocks

Having a suitcase or backpack that can be padlocked shut is very useful when travelling, and puts off most opportunistic thieves.  These padlocks are TSA-approved so you can lock your luggage for flights as well as on buses and while it’s in your accommodation or anywhere else. 

Of course someone could just take your whole suitcase, but there’s not much you can do about that!  If you’re staying in a hostel then having a padlock is absolutely essential so you can keep your belongings in a locker.

There are lots of different ways to keep money safe on your travels, so you could try a combination of several of these and see which you prefer. 

The downside is that the more places you hide your money, the more chance you have of forgetting where it is and misplacing it yourself!  I am sure I’ve lost some hidden money along the way but who knows?!

How to Hide Money on Your Body

Hiding money on your person is probably the safest way to carry money abroad.  I prefer to keep my money close to me, so usually hide it somewhere in or under my clothes so it is close to my body and as far away from sneaky hands as possible.  

Travel Scarf with Hidden Pocket

Travel Money Belts

Belt with a Hidden Pocket

High Waist Fashion Belt with a Pocket

Wrist Wallet

Cross-Body Wallet

A cross-body wallet that fits under your clothes is another option that works well if you are wearing a couple of layers to hide the shape of the wallet – you’d be able to notice it with tight or light see-through items.

Hidden Belt Wallet

This Eagle Creek hidden pocket wallet attaches to a belt and will hang inside trousers and away from the eyes and hands of pickpockets.  It is large enough to stash a passport as well as a wallet or cards, cash and other valuables.  It also comes with a lifetime warranty.  

Hiding Money In a Shoe or Sock

I’m not a fan of this personally as I prefer to be able to walk comfortably, but tucking some cash inside your shoe or in your socks could be an option to conceal money while you are travelling.  A more secure (if more expensive) option would be to buy a pair of socks with a hidden pocket.

Socks with Secret Pockets

You could also get these storage soles which fit inside your shoes and have a secret compartment built in.  I can’t imagine that would be particularly comfortable to walk long distances but it might be better than having loose cash stashed in there! 

I also heard that Reef used to make stash sandals with a hidden compartment for hotel keys while at the beach, but they don’t seem to make them anymore, unfortunately.

Inside Your Bra

In my clubbing days when I was younger and didn’t want to take a bag out dancing, I would hide my money and ID inside my bra.  It can get sweaty and uncomfortable but I figured if someone was sneaky enough to get at the money then they probably deserved to keep it! 

These days you can get hidden wallets designed to attach to your bra , keeping your cash and cards sweat-free and you much more comfortable.  They are a bit more difficult to reach when you’re wearing them, so keep a bit of cash easily accessible and stash the rest in here and pop to the bathroom when you need to fish some money out!

In Your Underwear

Joking aside, pickpockets aren’t likely to find your stash here, but be careful when getting undressed as you could forget it’s there!  I’ve also heard of people keeping money in their underpants, but I’d be afraid I’d forget and it would drop down the toilet – it’s up to you whether you take that risk or not! 

To avoid these kinds of accidents there is plenty of underwear with built-in pockets you can buy for a more secure way to hide money while travelling.

Women’s Underwear with Pockets

Men’s Underwear with Pockets

Travel Clothing with Hidden Pockets

There are lots of designs for travel clothing with secret pockets, from t-shirts and tops to hoodies, dresses and pants.

Clever Travel Companion is one brand with several designs of clothes with hidden pockets for travel, you can browse their store on Amazon here .  SCOTTeVEST is another well-known brand with a wide range of clothes to choose from on their website .

The downside to many of these clothes with hidden pockets that are designed specifically for travel is the price.  However, if they stop you from having your money or passport stolen, perhaps they are worth the investment! 

If you’re on a tight budget you could also sew your own pockets inside clothes if you’re handy with a needle and thread, which can save you a bunch of cash.

Alternatively, you can often find sportswear with hidden pockets designed to keep your keys and phone secure while working out.  If this is your style then why not wear some of these while you’re travelling instead of exercising?   

Skirts with Hidden Pockets

Shorts with Hidden Pockets

Hiding Money in Your Belongings

While I don’t recommend hiding money in your check-in luggage for a flight (in case the whole bag goes missing) if you are travelling overland it might be an idea to hide some cash and possibly a credit card in your suitcase or backpack, in case your day pack or handbag gets stolen.

Cash is easier to hide as it can be folded or rolled to fit inside all sorts of items.  You can then spread around the rest of your money in various places as well as hidden on your body.  No matter how thorough thieves are there is no way they could find everything you’ve hidden!  The only thing you need to to is remember where you hid it!

A Water Bottle with a Secret Compartment

Hide Cash in Toiletries & Accessories

Toiletry bags in general are useful places to stash some cash and a credit card, especially if they have small zip-up pockets inside. You can also tuck money into various places where thieves are unlikely to look.

There is also a whole range of specifically designed diversion safes and money hiding gadgets which look like regular items but have a secret compartment where you can stash money and other valuables.  The key is to find something lightweight and small that isn’t going to take up unnecessary packing space in your luggage.

Sanitary Products

Ladies, if you use applicator tampons, save a (washed!) applicator and the wrapper so you can roll up notes to slide inside.  No thief is going to rifle through your tampons.  The same goes for sanitary towels, some folded notes can fit inside the wrapper quite nicely.

Packs of Tissues

Those little packets can easily hide some money between the tissues, just be careful not to pull out the money when you want to blow your nose!

Hair Tie Scrunchies with a Stash Pocket

Fake Sunscreen

A Hairbrush Stash Safe

Deodorant with a Stash Compartment

Fake Lipstick

Where to Hide Money in a Hotel Room

Aside from using the hotel safe, or asking the reception to keep an item safe for you, hiding money in a hotel room is no guarantee that someone won’t find it.  If there is no safe in the room then I usually prefer to keep my money and passport on my person using various methods I’ve mentioned above.

However, if you do want to hide money in a hotel room here are some suggestions for keeping valuables secure:

• Consider placing a “Do Not Disturb” sign on your door to minimize the number of times your room is accessed by housekeeping.  While I’m not suggesting that housekeeping staff can’t be trusted, I usually prefer to skip on housekeeping anyway.
• Instead of keeping all your money in one place, divide it into multiple locations within your luggage or personal belongings. This strategy ensures that even if one location is compromised, you won’t lose all your funds.
• Use luggage locks to secure your bags when you’re away from the room. This will act as a deterrent and make it more difficult for people to access your belongings.
• Places where you could hide money in your belongings include inside socks, shoes, or toiletry bags or tucked away in a discreet pocket within your suitcase. 
• In a hotel room, you could tape money to the bottom of a drawer so it isn’t easily spotted, or inside a pillowcase.  If you are determined you could find other places to hide money in a hotel room, like stuck behind artwork or inside an air vent.  All of that feels a bit too much for me, but each to their own!

How to Hide Money & Valuables at the Beach

I’ve already given you a few suggestions which could work well for hiding valuables at the beach, such as the fake sunscreen bottle and hairbrush with a hidden stash .

However, the safest way to keep valuables safe at the beach is to keep them with you.  I have a  waterproof pouch  I take with me into the water, so I don’t have to worry about anything while I’m taking a swim. 

If you prefer to not have anything in the water, then  a portable safe that you can attach to a parasol and bury in the sand is a good idea.  Alternatively, more secret stash items like a water bottle with a secret compartment or a fake can of coke  could also foil thieves.

I hope this has given you plenty of ideas for how to hide money while travelling, so you can keep your cash and valuables safe wherever you are.  If you have any more travel tips for hiding cash please do let me know in the comments and I’ll add them to the article!

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Hi! I'm Claire Sturzaker, a 30-something foodie traveller who loves to enjoy the best of a destination without breaking the bank. I'm here to help you and all women backpackers to plan their best budget travel adventure. I am an avid supporter of female solo travel, and took my first solo trip 20 years ago! I love to write about travel, hostels, backpacking and van life.

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Traveling with Cash? Readers Answer Common Questions

Anti-theft Products , LUGGAGE , Travel Accessories

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Are you unsure about how much money to carry when traveling?  We have got you covered, with answers to all of your questions about traveling with cash from our readers. You’ll also learn how to keep your cash and cards safe so you can enjoy your vacation!

Traveling with Cash

Table of contents.

Travel Fashion Girl help! A reader asks:

I’m traveling from the U.S. to London, and my fiancé and I are a little lost on what is best for carrying money. He wants to carry a couple thousand dollars to London and exchange when we get there. I, on the other hand, would rather carry a smaller amount, and then take out money from an ATM when we arrive in London. However, I know there are a lot of transaction and ATM fees that come with this option. Please advise on what would be best!

Any time you travel, you have a lot to plan for and think about. What to do about money during travel — such as when and where to take it out — can be confusing. It’s important to keep your cash safe without sacrificing convenience or costing too much in fees. We answer these questions about traveling with cash for you:

RFID Blocking Leather Wallet

Should I Take Out Money at My Bank Before I Travel?

Particularly if you’re traveling to a remote destination, you want to have at least some cash on hand. This is useful and handy in case your ATM or credit card isn’t working or you can only use cash.

For example, say an ATM machine is down at the airport, and you need to take a cab from the airport to your hotel. Having cash on hand will hold you over until you can use your card.

What’s the Best Way to Carry Money While Traveling?

Keeping your money safe is more of a precautionary measure than something you should be paranoid about. In almost nine years of full-time travel, I have only had something stolen once, and it was my fault because I left $500 in cash on the unlocked exterior pocket of my backpack. While most travelers enjoy their adventures without trouble, it’s still good to follow a few tips to  keep your money safe while traveling .

When carrying cash on you, don’t carry it in a pocket or in an open bag. I recommend using an anti-theft device. I’ve tried a lot over the years, and I’ve found two main anti-theft devices I like to use to protect my items.

The best way to carry cash when traveling is to use a money belt for cash and a bra stash to store credit cards and additional cash if needed. One reader says, “I wear a bra stash pocket with my ID and two credits cards, as well as extra local cash for emergencies. It makes me feel better and safer!”

Another reader says, “I wear a money belt on my butt across my hips and under my underwear. It sounds bulky, but it’s a lot cooler in the summer months!”

Read how to wear a money belt with a dress!

How Much Cash Should I Carry When I Travel?

While you want to take some cash with you to your destination, we and our readers recommend not taking too much.

One reader says, “I made the terrible mistake of listening to my boyfriend, against my better judgment, and someone stole $4,000 I had in cash.”

Another shares, “You don’t need to take that much cash unless you are going to really remote areas. I used credit cards everywhere we went. I usually take $500 to $700 max.”

If you’re headed to a popular destination, like a big European city, you may only need $100 or $200. However, you might want to take more cash if you’re headed to a rural or remote location.

During your travel, you should only carry enough cash in your wallet each day to cover that day’s expenses. Keep extra cash and credit cards in a secret money belt or bra stash.

Watch this video with anti-theft travel tips!

Should I Use Cash or Card When Traveling?

Most travelers like to have a mix of both, and there are benefits to both. There are plenty of credit and debit cards that either don’t charge international fees or charge minimal fees. One of the best is Charles Schwab, which doesn’t have any foreign transaction fees or ATM fees, no matter where you are in the world. With this debit card, you can get foreign currency at an airport ATM upon arrival! One reader says, “I have a Charles Schwab account, which lets me take local currency out of ATMs around the world and refunds any potential fees. It is the very best option for frequent travelers, and I recommend it to everyone.” Another reader adds, “Get a Charles Schwab account for travel only, and they will not charge ATM fees. Then use the ATM as you need to to get cash out.” Most destinations in Europe accept and prefer credit cards, too. If you don’t have a card like the Schwab one, you also likely will want to bring your ATM card so you can take out cash. Not all shops or restaurants will accept cards.

Read about how to avoid theft while traveling !

How Do I Get Money at My Destination?

There are a number of places where you can visit an ATM or bank to take out or exchange money . Exchange rates are typically best at your destination. Research ahead of time to see which ATMs are available at your destination airport and what their fees are.

ATMs at airports usually don’t have great exchange rates. Airport currency exchange booths are particularly notorious for offering bad exchange rates and are definitely not the best place to exchange foreign currency.

If you must use one of these, only exchange or take out a small amount of money. Then, use a bank or ATM at your earliest convenience. Once you’ve settled into your hotel, look for a nearby ATM machine or bank where you can withdraw the remainder of the money you need, and store it safely in your accommodation.

You also can contact your bank before your trip to ask for recommendations. They also can suggest banks and types of ATM machines that offer the best rates.

Traveling to a top destination like Paris or London? Check out my packing e-books !

How Do I Keep My Money Safe While Traveling?

The best way to travel with money and keep your cash safe is with anti-theft travel accessories . As mentioned above, we and our readers are fans of using money belts and bra stashes. Here are our favorites.

Compass Rose RFID Secret Bra Wallet

Best Bra Stash

Secret bra stashes have completely changed my travel safety strategy. I created my own version, the Compass Rose Secret Bra Wallet , to be soft and comfortable enough to wear even in the heat and humidity of Rome in the summer. This is the ONLY bra stash made with an extra long strap to fit DD+cup sizes and a range of bra band widths. PLUS, it’s also the only bra stash with RFID protection.

Fasten it to your bra strap, on your bra band under your arm or in between your bra cups, or attach it to your belt loop tucked into your pants. You can even attach it to some underwear styles, too. Tuck it in underneath your bra for extra security — that’s how I wear mine.

Follow these steps if you are pickpocketed when traveling abroad !

Venture 4th Travel Money Belt

Best Money Belt

While there are a variety of brands offering security accessories, our readers love the Ventu r e 4th money belt. It’s made with RFID protection and water-resistant ripstop nylon. It also offers a variety of neutral colors to blend in seamlessly underneath clothing instead of brights that can show through your tops.

Make sure you don’t wear the money belt outside of your clothing. It’s not a fanny pack, and it advertises to thieves exactly where to find your cash. Travel money belts are meant to be worn hidden under your clothing.

Here’s our list on the best money belts and anti-theft travel accessories!

Travelon Luggage Anti-Theft Cross-Body Bag

Best Anti-Theft Bag

It’s also best to travel with an anti-theft bag, which you can use to carry your other belongings. These anti-theft travel bags are specialized travel purses that have safety features like lockable zippers, slash-proof materials, and sturdy straps to prevent thieves from breaking in. We and our readers rave about Travelon for offering some of the best theft-proof bags.

While Travelon has a number of styles, we love the brand’s anti-theft cross body with two pockets. It has a slim design featuring slash-proof fabric, an adjustable, cut-proof shoulder strap, and zippers with a latch for extra security. It also comes with RFID blocking card slots.

You can also try one of the top  anti-theft travel bags !

Travelambo Rfid Blocking Passport Holder Wallet

Best Travel Wallet

It’s important to note that anti-theft products don’t replace your need to use a wallet. Keep enough money for the day in your wallet and use an anti-theft product such as a money belt or bra stash to store EXTRA cash and cards only .

We love this wallet because it offers RFID protection and has so many slots for easy organization. It’s slim but longer, so it can double as a clutch for a fancy evening out.

Find out how to wear a neck wallet while traveling!

What are your tips for traveling with cash? Share your comments below!

For more anti-theft travel tips, please read:

• Best Money Belts and Anti-theft Travel Accessories
• The Best Anti-theft Travel Bags for Women
• Best Passport Holder Will Protect Most Valuable Item
• How To Keep Your Passport Safe While Traveling

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Getting comfortable with cash when traveling abroad

At TIAA, we're always looking for ways to help take some of the mystery out of managing your money. That's even more important when you’re traveling abroad and trying to manage foreign currency you might not even recognize.

Most of us are used to credit card or digital transactions—and we often expect those transactions to be accepted around the world. But when you're traveling abroad or visiting places where those cards and chips may not translate to cash, it's important to understand the local cash system and how to keep your money safe when traveling. That way you can avoid expensive fees and overspending, and, most importantly, you can take full advantage of an amazing cultural experience while you're there.

When you bring up the topic of foreign currency, the first thing that might come to mind is the exchange rate. While that's important to consider when it comes to saving for and budgeting during your trip, there are several questions you may not have considered that can have just as big an impact (such as, "What's the best way to carry cash while traveling?"). Having the answers to some of these questions will make handling foreign money on your trip a breeze.

"How much cash should I have on me while traveling?"

Chances are, when you touch down at your destination, you won't be carrying any local currency yet. So the first thing you'll want to do is stop at an ATM in the airport.

We recommend always carrying a travel-safe wallet or a travel money belt with enough cash to cover three days' worth of expenses, based on the local cost of food, a place to sleep and a little extra for transportation, if needed. This will give you a chance to get a sense of how much you're spending each day, and it'll give you plenty of time to find an ATM or a bank when you need more money. It also means that you're never carrying too much cash at once, which is always smart.

If your bank charges a fee for withdrawals, or if you're heading off the beaten path where ATMs are a bit harder to stumble upon, you can save yourself some transaction fees by carrying enough cash for 1–2 weeks. However, if you do end up carrying larger amounts, it's a good idea to spread it out among different bags to help keep your money safe while traveling. That way, you don't lose everything if one bag is lost or stolen.

"Is it better to carry small or large denominations?"

If you plan on shopping at local markets or buying from street vendors at your destination (and, let's be honest, you'd be missing out if you don't), make sure you're carrying small bills. Most ATMs and exchange bureaus will give you large notes, and the local markets and restaurants may not be able to give you enough change for your purchase.

If you find yourself in need of some smaller denominations, local banks or jewelry stores always have plenty of cash around, and they're usually more than happy to break your large bills into smaller ones.

"How can I quickly calculate foreign currency conversions on the go?"

This can be tricky depending on the country you're visiting. But we've found that the best approach is to memorize the conversion for three commonly used amounts, like $1, $5 and $10 worth of the local currency.

For example, if you're lucky enough to find yourself in Thailand, $1 equals about 30 Thai Baht, $5 is 150 Thai Baht, $10 is around 300 Thai Baht, etc. 1 Unfortunately, not every country will have such a simple conversion, but memorizing a few amounts will help you get a general idea and keep you from potentially spending outside your budget. As a bonus, if you don't have to pull out your phone's calculator in front of a merchant, it improves your odds of negotiating a better price!

"Why is it so important to get familiar with the physical currency in a foreign country?"

The last thing you want to do—anywhere in the world—is open your purse or wallet to show a stack of bills. The first reason is obvious: it can be a safety issue—knowing how to keep money safe while traveling is important. It can also hurt you in other ways, particularly if you're trying to negotiate the price of something, because the merchant will know you can afford more. The good news is, unlike U.S. dollars, many foreign currencies are multicolored and multi-sized to help you quickly differentiate the notes. If you take the time to become familiar with the feel, color and/or size of local cash and coins, you can quickly pull out the right amount in these situations—which can go a long way toward improving your bargaining power.

"What should I do with leftover foreign currency when I'm leaving the country?"

Whether your trip is coming to an end, or you're leaving one country to head to another, you may find yourself with some extra cash. First of all, congratulations! That means you did a great job of sticking to your budget .

If you can't find an exchange bureau to swap the old money for the currency you want, a great option is to sell your cash to another traveler you meet along the way. There are many apps out there that will allow people to pay you in your home currency, and they will even do the math for you when it comes to figuring out the day's exchange rates.

Another option that hits home for many of our customers in the not-for-profit community is to donate your leftover foreign currency to a local charity. Even if you can't donate it before you leave, there are programs like UNICEF's Change for Good initiative that partner with international airlines to let passengers donate unused foreign currency during the flight home.

Over the course of your trip, if you keep some of these tips in mind, you'll find you're less worried about how to keep your money safe while traveling, and you can better focus on the exciting adventures in front of you. And remember, if you need some advice for managing your money when you get home, TIAA is always here to help.

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1  Exchange rates calculated as of April 2018.

10 Best AirTag Wallets to Keep Cash Safe

Keep your money and cards safe and sound.

We've been independently researching and testing products for over 120 years. If you buy through our links, we may earn a commission. Learn more about our review process.

Our editors diligently researched top options to bring you the best of the best. We researched the best AirTag wallets that strike the perfect balance of style and practicality. Many of our favorites also feature RFID-blocking technology to keep your credit card information safe without compromising the ability of your tracker.

Our top picks:

Best Overall AirTag Wallet

Typecase leather wallet with stealth pocket.

Best Value AirTag Wallet

Hawanik slim minimalist front pocket wallet.

best slim airtag wallet

Cityway airtag wallet holder.

Best AirTag Wallet Card

Elevation lab tagvault.

Best Secure AirTag Wallet

Tars. minimalist airtag wallet.

Best RFID-Blocking AirTag Wallet

Airtag airtag wallet s.

Best Bifold AirTag Wallet

Doeboe airtag wallet.

Best AirTag Wallet for Travel

Simply soiree airtag wallet passport.

Most Secure AirTag Wallet

Wxm airtag wallet.

Best Leather AirTag Wallet

Ekster wallet for airtag.

Below, we’re rounding up the best AirTag wallets we’ve found as well as what you should consider before buying one and why you should trust Good Housekeeping. Consult our guides to the best smart wallets , laptop sleeves and iPhone cases for more tech finds.

Featuring a pebbled exterior, this Typecase wallet is made from cowhide leather, according to the brand. What sets it apart from other wallets is it has two pockets to safely secure an AirTag : one allows you to keep an eye on the tracker from the exterior and the other is a more discrete flap if you prefer your AirTag to stay hidden. It also has two bill compartments, six horizontal credit card slots, two vertical pockets and an ID window with a thumb slot.

To feel more secure, there’s a RFID-blocking layer that claims to keep out radiowave interception of personal data without interfering with the AirTag signal. Some reviewers state that the interior AirTag compartment interferes with the room in the bill compartment, but there should still be enough space for bills. We also love that it comes in eight sleek leather colors and the bifold design makes it easy to tuck into a pocket or purse.

Coming in nine different hues, including a light blue and pink, this minimalist wallet is slim enough to fit in a back pocket. Although it’s compact, it still manages to hold one ID card, five credit cards, six folded bills and an AirTag. The built-in holder is at the front of the wallet, so you can keep an eye on it and see that it’s still there. Made of faux leather, it only clocks in at around $12 and it’s easy to wipe down clean. Although it’s not built with RFID-blocking technology, reviews say they still feel secure with it.

Designed to fit in most cardholder slots, this AirTag holder measures a svelte 0.1-inches in thickness. The holder also won't disrupt your AirTag's signal, and we like that you can use water for easy-cleaning without getting the AirTag itself wet. Although this option doesn't hold other items like your credit card or cash, it conveniently keeps your AirTag in one place so that it doesn't slip out of your wallet. It's made of durable plastic and even has a key ring hole, so you can clip the holder to your key chain.

If you only want to add an AirTag to your current wallet rather than purchasing an AirTag-specific wallet, this insert is your best bet. While slipping the tracker in a regular wallet can result in some bulging or put the AirTag at risk for falling out, this slim, flexible insert can fit in a card slot discreetly and securely hold an AirTag. It’s shorter than a credit card so it won’t pop out and is about the thickness of two cards, according to reviews.

For those worried about their AirTag slipping out of your wallet, this one is for you. With the included screwdriver, you’re able to r emove the outer plate of the wallet and securely place the tracker — plus there’s two included stickers to prevent the AirTag from scratching. Made of aluminum, it also features RFID-blocking and has the capacity to hold up to 15 cards. It doesn’t have a cash strap, but you can purchase an upgraded model if you need one.

A sleek polycarbonate exterior combined with RFID-blocking technology in this wallet will make you feel like both your money and AirTag is secure. Because the wallets itself is made of aluminum, you can feel extra secure knowing you can see the RFID-material in action. It holds up to 12 cards in the interior, and a stretchy strap over circular silicone pads holds bills in place. You can pop your AirTag in the detachable polycarbonate cover so you’ll never misplace your wallet, which is especially important considering its slim size.

A bifold wallet is great for someone who carries a lot of cash or cards, and this AirTag-compatible option allows for the tracker to slide into the front of the wallet, which also has six card slots, an ID window and a bill pocket . Some of the cards can be seen from the exterior of the wallet, but you’ll also feel secure knowing there’s RFID-blocking built-in. It’s made of a soft horse leather that comes in a rainbow of 14 colors to best suit your style.

When traveling internationally, your passport is the last thing you want to lose. This passport/wallet/AirTag holder combo is the perfect solution to calm any travel worries . Made of vegan leather, it has three card compartments, one passport pocket and one vaccine card slot. You also have two options for stashing your AirTag: a pocket attached to the snap closure or a keychain you can hook onto the passport holder — or elsewhere if you'd like. It has a slim profile too, but some reviewers state it can be a tight squeeze if you add too much.

Adventurers need to keep a hold on their wallets too! This wallet for WXM might look a bit bulky but the brand claims that it’s made of military-grade materials such as carbon fiber and aluminum alloy that makes it durable and surprisingly lightweight. Aside from withstanding a couple of drops, it can hold up to 15 credit cards, has a money clip, uses RFID-blocking technology and has a slot for your AirTag. It comes in nine different color options, including brighter ones to balance out the rugged vibe.

It's pricey, but this longer wallet is made with premium American leather, has a high-quality option feel and is available in black or brown. It features a custom pocket to tuck your AirTag into to track your wallet that adds nothing more than an imperceptible bulge. It can hold up to 12 cards, features RFID-blocking technology and has a money clip for cash. The neatest feature might be the sliding pop-up cardholder that lifts up the cards with the push of a button.

How we chose the best AirTag wallets

To find the AirTag wallets that were up to par, our editors considered a variety of sizes that would still be able to fit in a pocket or small purse. When choosing the best ones, we assessed where the AirTag was held, read reviews and looked over product claims to assure that the closure was tight and the construction wouldn’t create too much of a bulge in the wallet itself.

With about four hours of research and product consideration, there were a few key factors we looked into. While we considered all materials like leather, aluminum and polycarbonate to offer options at different price points, we favored those that were durable and high quality construction that wouldn’t fall apart. We prioritized models that feature RFID-blocking technology for an extra level of security. To accommodate for different kinds of people (cash vs. card), we choose both bifold and cardholder options.

What to look for when shopping for AirTag wallets

Before picking an AirTag wallet there are a few things to consider to best match your lifestyle and how often you’ll likely need to search for your wallet.

✔️ Material: The material you choose is both reflective of your aesthetic choice and the durability of the wallet. Leather is one of the most popular options and is quite durable, and aluminum is one of the strongest ones. For something a little cheaper, you may want to opt for synthetic materials like polyurethane, though they may not last as long.

✔️ Size: You want your wallet to easily fit into a pocket or purse, but not be too small to misplace (although that’s what the AirTag is for, right?). Thickness is also important; anything thicker than 0.5 inches might be too large to fit into a back pocket, especially after filling it with cards and money.

✔️ Security: To protect your credit card data from being stolen we recommend using a wallet with built in RFID-blocking, which uses a thin layer of carbon fiber or aluminum to block the electromagnetic signal emitted from your card. This can help you protect the personal and financial information that is stored on your credit cards from being accessed from thieves. Typically it's hidden under the leather material of the wallet or is built into the metal material, depending on the kind you choose.

✔️ Type: Some of the most popular options for wallets include bifold, card holders and money clips. If you’re someone who wants to carry cash, bifolds offer more storage for paper money. A cardholder will offer more slots for cards and some have clips to stash a few dollars as well. They might not hold as much, but they’re typically sleeker and more minimal.

✔️ Capacity: Depending on how many cards you have, card capacity for smaller wallets can be around three, while a larger wallet can hold nearly a dozen. Note that the AirTag slot can take up room where a card could be held as well.

Why trust Good Housekeeping?

This roundup was written by contributing writer Courtney Campbel l , a longtime product reviewer and frequent misplacer, who selected products based on hours of research and her personal experience with needing a wallet that’s easy to find.

Courtney (she/hers) has spent the past 5 years testing everything from reusable straws to standing desks to homemade kombucha kits. A longtime reviewer, deals hunter, and lifestyle writer, she currently heads up the American Kennel Club's product review site Retrievest and previously worked as the Shopping Editor for USA Today’s Reviewed. Additionally, she has covered design and lifestyle trends for Apartment Therapy, Domino, SELF, and more. A graduate of Elon University, she loves telling everyone about what race she’s planning on running next while raving about her favorite running headphones (they’re bone conducting!). 

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Men's Health

13 Stylish Travel Wallets That Will Keep Your Passport Safe and Secure

Posted: May 18, 2023 | Last updated: July 17, 2023

THE CHECKLIST for traveling abroad can be long and mind-numbing one, but we're sure to bet at the very top of that list of "DO NOT FORGET" is your passport. We know you probably have some sort of passport cover or protector already (if you're traveling with your passport unprotected, that's just wrong), but if you want to travel as smart as possible then carrying your passport in the form of a travel wallet is the way to go.

We've pulled together a guide to the best travel wallets as we embark on peak travel season. Our editors and writers are constantly traveling all over for assignments and vacations, allowing us to test wallets suited for all kinds of environments. And while there are a number of travel wallets we highly recommend, the very best travel wallet we keep turning to is the Pioneer Passport Wallet . You'll learn more on why we believe that is below, but what it comes down to is the Pioneer Passport Wallet has great style, an excellent use of space, and a rugged build that's ready for any adventure.

Read more: How Men's Health Tests Products

We found travel wallets that are great for navigating old cities around the clock, and travel wallets that can handle all sorts of rugged adventures. We curated all our travel wallets with durability and design in mind, but we also considered features that make each wallet unique in and of its own. The one quality you'll find in each travel wallet? They all are sized to hold an American passport nice and snug. After all, it wouldn't be a travel wallet if it didn't hold your most important papers.

Best AirTag Wallets | Best Card Holder Wallets | Best Slim Wallets | Best Magsafe Wallets | Best Travel Gadgets

Passport Wallet

Pioneer's Passport Wallet is wonderfully simple in design and tough as nails thanks to its waterproof ripstop fabric construction. In fact, we found the waterproof ripstop fabric is great for handling humid environments, staying dry and and stiff, as opposed to getting all slimy and flimsy as other travel wallets can become in these climates. As far as stroage goes, it comes with a full length cash pocket, pockets to store up to 8 cards, and a 3D molded passport pocket designed to fit an American passport perfectly snug.

Due to this wallet's construction. look, and function, we found it to be our favorite pick when taking to warm weather vacation and cold weather trips. The material is simply just too good, and you never have to worry about any of the contents sliding out. Simply put, the Pioneer Passport Wallet is capable of all kinds of trips and adventures. This is a quality investment we'd recommend over and over again.

Read more: Best Travel Pillows

Travel Wallet

Bellroy makes several great travel wallets, but the wallet we found most like the wallet you probably already carry is the bifold Travel Wallet. It's got a fine all leather make and will hold a passport, cash, train tickets, and up to 10 cards. What's cool is the wallet comes with a micro pen that hangs inside the wallet's spine, which we found to be useful when wanting to write down recommendations of places to visit from friends and other travelers.

Looks can be deceiving due to the wallet's traditional bifold design. It measures 3.8-inches tall by 6-inches wide, so it is big. Overall we find it to be a great minimalist travel wallet with a classic style that blends in nicely in all environments.

Read more: Best Travel Backpacks

This reasonably priced wallet from Fjallraven is made with a durable waxed waterproof canvas and a YKK zippered closure to protect all your documents and cards from the elements. Inside are 5 card pockets, 2 cash pockets, and 1 zippered coin pouch. Looking for the passport pocket? That would be behind the coin pouch—it's a nice and discrete design note, we know.

If you're looking for a rugged wallet with waterproofing and protection but don't want to pay over $100, this is a solid option. Fjallraven fans will see this wallet has the same quality construction like the brand's other gear, which is a great sign because the maker is one of the best valued outdoor brands out there.

Read more: Best Travel Pants

Genuine Leather AirTag Passport Holder and Wallet

The design of a good AirTag wallet is still being perfected, but that doesn't mean we don't like what's already on the market. If you're looking for a travel wallet you can store your AirTag in, this one from Lumberjack Plaid is our latest favorite.

It comes in a sleek and stylish leather (3 colors available) and features a passport pocket, a long pocket for tickets and cash, and 3 card slots. You get all this for $40, which is an excellent value for such a quality wallet. Just be aware the leather can show scratches pretty easily; most notably on the dark leather.

Read more: Best Travel Gadgets

Passport Case

Made to fall in line with all your other Tumi luggage, the Passport Case comes in a sleek, all-black look with more interior space than one might think. We're talking a passport pocket, a billfold compartment, an ID window, 2 slip pockets, and 8 card pockets. You get the best of both worlds with this wallet: great style and high functionality. Well done Tumi, well done.

Read more: Best Luggage Brands

RFID Blocking Leather Passport Holder Travel Wallet For Men and Women (Dark Brown)

We get it, many of us aren't jet-setting out of the U.S. several times in a year. Nonetheless it's important to have a passport wallet even if you're only getting out of the country once in a blue moon. For overseas trips that are few and far between, this RFID-blocking leather travel passport case for under $30 on Amazon will do the job. It will also give off style points, as the leather has a nice rich look to it that holds up well when used sparingly.

Due to the stitching and overall quality of the materials we'd say this wallet might not be suitable for high levels of use. But because it carries a high durability and functionality for the price, we recommend it as a great travel wallet for those who might need to take a passport with them only once or twice in a year.

Money Belt for Travel Passport Holder

If you want to go with a more secure wallet, this thin travel pouch can be strapped around the waist and hold your passport, cash, cards, and more. The pouch itself has RFID tech built-in so you get another level of safety. Plus the pouch is made from water-resistant ripstop, so you won't have to worry about any of your items getting soaked from rain.

One note to point out is even though the price point of this belt is incredibly good, we believe the thin fabric could wear down faster over time than some of the other wallets on this list.

Read more: Best Travel Shoes

Apex Passport Cover

The Apex wallet is made with fine leather that's heat bonded instead of being stitched. The result is a unique design that, when closed, fully encases the inner contents of the wallet from the outside elements. The Apex will hold a passport, cash, and 2-4 cards. And just like the Travel Wallet, you get a small micro pen that can be stored inside on the wallet's spine.

Read more: Best Over-Ear Headphones

Utility Passport Wallet

Handcrafted from USA heritage leather, Shinola's Utility Passport Wallet is truly made to age like fine wine. When opening up the wallet, one side contains a passport pocket while the other has 5 faille-lined pockets for your cards. It's not the most feature-loaded travel wallet on this list, and it's certainly not the cheapest, but if you're looking for something simple and timeless then this is the one.

Alligator Passport Case

You're not going to find another travel wallet like this one, and that's the point. Texas boot-maker Tecovas went and took the same authentic American alligator leather it uses for its boots and crafted the material into a passport case. The result is a one-of-a-kind piece with a passport pocket and 4 exterior card pockets. What's cool is you can even monogram it.

Of course the price point on this wallet is almost like buying a luxury good, but really the only qualm we have with the wallet is its availability. Sometimes it's popularity gets the best of it, and so you might have to turn to the Ostrich Passport Case or the original Passport Case —two excellent alternatives, no less.

Yacht Club Passport Holder

The streetwear-inspired golf brand Malbon Golf has been turning out tons of cool pieces this year. One of its products that has flown under-the-radar is this pebbled leather passport holder. We were surprised to open it up and see tons of card space to go with the passport pocket. And as far as style goes, it comes with cool embossments on the front and inner pocket and is available in three colors.

Read more: Best Golf Clothing Brands

Leather Passport Travel Wallet

If you liked the full leather of the Shinola travel wallet but wished it had a different interior configuration, then this travel wallet from Tanner Goods is a great alternative. Inside is a passport pocket with a small card pocket on top of the passport flap, plus two additional card slots on the other side.

The wallet might not hold a lot, but if you want a minimalist leather wallet with great style and a thin silhouette, then you'll be happy with this choice.

Travel Wallet Passport Holder

Similar to the belted travel wallet we featured earlier, this passport holder can be used as a sling bag and is made with waterproof ripstop and covered with RFID blocking material. What's cool is it zips shut, closing in the passport and up to 10 cards that can fit on the inside. You also get a small stylus that you can hang on the wallet's spine.

What to Consider Before Buying a Travel Wallet

Buying a quality travel wallet is going to look a lot like buying your everyday wallet, but the two are not the same. Here's what you need to know.

• Durability: Making sure your travel wallet is tough and made of good materials is of utmost importance. After all, this is your last line of defense to your passport—the most important document you need when traveling overseas. This prior notion is why we loved reviewing travel wallets made from tear-resistant and water-resistant materials (like the Pioneer Travel Wallet). Premium leather is also a good material to protect your passport, as the leather provides a thick layer to keep moisture and dust from getting to your papers.
• Security Features: Some travel wallets comes with RFID (radio-frequency identification) lining to help prevent RFID theft. It's true this type of crime doesn't happen a lot, but it is possible, and so buying a travel wallet with RFID lining does add a level of security to your essentials. Another security feature to look for are zippered or snap closures that help keep your passport and cards sealed off. We like these closures because it helps limit the chances of any items accidentally falling out when traveling—which happens more than one might think.
• AirTag Tracking: Although we only have one AirTag travel wallet we like right now, we anticipate more of these types of wallets to hit the market in the coming year. AirTag wallets have become a huge hit thanks to their tracking abilities, and so any travel wallet that can incorporate an AirTag in a slimming and discrete way should be considered on your shortlist of what travel wallets to buy.

Can You Use a Passport Covers as A Wallet?

Travel wallets, also sometimes referred to as passport wallets, are the best possible choice for carrying your passport and your cash and cards. Travel wallets are not to be confused with passport covers, which are simply covers you can slide over your passport to add a level of protection.

Passport covers do theoretically have space where you could slide some cash plus 1-2 cards inside, but those spaces oftentimes make your valuables prone to falling out. A passport cover is not designed to hold anything more than a passport, and so whatever else you put in there is going to be like trying to fit a square peg into a round hole. Stick to a travel wallets for cash, card, and passport carry.

Why Trust Us

In order to keep up with new new designs and releases, the MH tech and gear team is continually testing all of the latest everyday carry accessories to make sure our recommendations reflect the top products within each space.

When it comes to travel wallets, we acquire and call in the latest releases to test, and then we take them out into the real world. At any given point, writers and editors in our office are traveling, and so we plan accordingly whenever we are going to be up in the air to take one or two travel wallets with us to see how they perform. Lastly, we take a hands-on look at the travel wallets up close. We inspect everything from the material to the build of the wallet to determine it's durability and whether or not the price point reflects the overall quality.

How We Selected

Our MH commerce team thoroughly researched and tested dozens of the best travel wallets, from budget to designer to premium, gift-worthy models. We noted everything from how snug the wallet fit an American passport to how the interior card slots were organized. We also considered fabric quality (especially when it came to leather) and price. The list above represents our honest picks for the best travel wallets of 2023.

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Moscow Travel Guide: Best Things to Do + More [2023]

· everything to know about visiting moscow, including the best things to do and how to get around. ·.

Moscow is Russia’s vibrant capital city, and it also happens to be the largest city in all of Europe. The city’s long and infamous history makes it one of the most unique places we have ever visited.

The architecture ranges from centuries-old palaces to uniform, gray concrete buildings. The people range from cold and private to warm and welcoming. Moscow is a city is strong juxtapositions, and we learned a lot during our time there.

This post will break down all you need to know about visiting Moscow, including the best things to do, how to get there, how to get around, and more.

The Best Things to Do in Moscow

1. explore the red square.

The Red Square is the heart of Moscow. Most of the city’s top attractions can be found here, including just about everything on this list. The Kremlin, St. Basil’s Cathedral, and Lenin’s Mausoleum are all located here, and the State Historical Museum and GUM are not far from here, either.

The Red Square is a common home for parades, protests, and seasonal celebrations. There are massive Christmas celebrations here, with food vendors and carnival rides set up in numbers.

2. Check Out the Ziferblat

The Ziferblat is a café in Moscow that is unlike any café we have ever been to. While most cafes charge you for your drinks and food, the Ziferblat charges you for your time.

Upon arrival, you are given a clock. When you leave, the barista calculates how much time you spent in the café and charges you accordingly. This concept was created to help visitors to be more intentional with their time, and the cafe itself is incredibly charming.

For a detailed look at everything you need to know before you visit, make sure you read my post about visiting the Ziferblat Cafe in Moscow .

3. Marvel at St. Basil’s Cathedral

St. Basil’s Cathedral is one of the most iconic churches in the world, and it was the single thing we were most excited to see while in Moscow. Built almost 500 years ago, St. Basil’s Cathedral is recognized by its colorful domes and whimsical style. The church is of the Russian Orthodox faith, and the inside is just as wondrous as the outside.

St. Basil’s Cathedral is located on the edge of the Red Square, making it incredibly convenient to visit. Entrance for non-worshippers costs 800 rubles, and tickets can be bought at the church

4. Explore the Kremlin

The Kremlin is the largest active fortress in Europe, and it is the site of most of Russia’s government affairs. In addition to government buildings, the Kremlin Complex is filled with courtyards, towers, and museums that are open to the public. If you have the time, you could spend a couple of days fully exploring all that there is to see in the Kremlin.

5. Walk Through Lenin’s Mausoleum

Vladimir Lenin is one of the most important figures in Russian history, and his body is located perfectly embalmed in a mausoleum in the Red Square. The Mausoleum is open to the public to visit, and as long as you are willing to go through a few security checks, it is easily one of the best things to do in Moscow. Its convenient location in the Red Square makes it a can’t miss attraction.

There is absolutely no photography allowed inside the Mausoleum. Do not test this rule.

6. Wander Along Arbat Street

The Arbat is a very popular street in Moscow that is lined with stores, cafes, and other touristy attractions. It is one of the oldest streets in the city, dating back to the 1400s. This street is both quaint and trendy, and there are many walking tours that introduce tourists to the neighborhood’s wonders and highlights.

7. Catch a Show at the Bolshoi Theatre

As a lover of the arts, it is hard to think of Moscow and not think of ballet. Russia has always been a top dog in the world of fine arts, and Bolshoi Theater is one of the best places to catch a performance. We were lucky enough to attend an Opera here, and it is a venue that you don’t want to miss out on if you enjoy opera, ballet, or orchestral performances.

8. Visit the State Historical Museum

The State Historical Museum is one of the most respected museums in Moscow. Despite its name, it is not really focused on the history of Russia as a nation. Rather, it contains a collection of artifacts from all throughout Russia’s history.

The museum’s collection is very broad in nature. It houses some items from indigenous tribes that used to occupy the region, pieces collected by the Romanov family, and more.

9. Wander Around GUM

GUM is an absolutely massive mall within walking distance of the Red Square. It isn’t just the size that draws visitors here; it’s the sense of luxury. The mall is so beautiful inside, much like the metro stations.

While visiting a mall might not sound like it belongs on a bucket list, this mall does. You will not want to miss out on visiting GUM while in Moscow.

10. Admire the Cathedral of Christ the Saviour

While St. Basil’s Cathedral is the most iconic church in Moscow, it isn’t the only one. The Cathedral of Christ the Saviour is absolutely stunning, with massive golden domes. It is the tallest Orthodox church in the world, and it is the seat of the Orthodox Patriarch of Moscow.

It is located just about a mile from the Red Square, just south of the Kremlin Complex. You can walk to it from the Red Square in about 20 minutes.

How to Get to Moscow

Flying to moscow.

Moscow has three major international airports: Sheremetyevo (SVO) , Domodedovo (DMO) , and Vnukovo (VKO) . All three of them are directly connected to downtown Moscow by the Aeroexpress trains, which leave every 30 minutes throughout the day. By Aeroexpress train, you can expect to get to the city center in 25-45 minutes depending on the airport that you fly into.

Sheremetyevo is the biggest and busiest of the three airports, and it is the one you are most likely to fly into – especially if you are coming from outside of Europe or the Caucus region. We flew into Sheremetyevo on a direct flight from New York City.

I usually provide backup airport options, because flying right into the city isn’t always the cheapest way to get where you’re going. Unfortunately, when it comes to Moscow, don’t really have a choice other than to fly right into Moscow. It is a very remote city, and it is usually the cheapest place to fly into in Russia as a whole.

Since Sheremetyevo is so busy, you will probably find a great flight option anyway. I wrote in  my post about finding cheap flights  that using hub airports will lead to more affordable airfare, and the same logic applies here. Even though Russia’s national airline, Aeroflot, is no longer a member of the SkyTeam Alliance, Moscow is still a major hub connecting passengers from all over the world.

READ OUR CHEAT SHEET

Train or Bus to Moscow

Trains and buses are one of the most popular ways to get around Europe. However, they’re of very little use when you’re trying to get to Moscow.

Moscow is hundreds of miles from the nearest major cities. The only major European city that can even be reached within 8 hours on the ground is St. Petersburg, and even the Baltic capitals of Riga, Vilnius, and Tallinn are over 12 hours away.

If you want to get to Moscow, the best option is almost always to fly. While the train routes to Moscow are scenic, they simply take forever.

How to Get Around Moscow

METRO | TROLLEYS | TRAMS | BUSES

Moscow has one of the most memorable metro systems in the world. Its metro lines are very deep underground, and the stations are absolutely stunning. Each station has its own unique style, but all of them contain escalators that seem to go on forever.

The system was built in an effort to showcase the power of the Soviet Union and its bright future. The plans were a form of propaganda, but they resulted in what is still one of the most visually appealing subway systems on earth.

Moscow’s metro system isn’t just pretty. It is also very useful and accessible. The system has 17 lines that connect the city and its surrounding area.

But wait; there’s more!

The Moscow metro system is also incredibly affordable, with each ride costing less than a dollar. The metro is by far the best way to get around Moscow, as it is almost impossible to beat the connection times and the low cost to ride.

Tickets can be bought at electronic, English-speaking kiosks in stations, or directly from ticket counters at certain larger stations. There are also day passes available, which are a very solid option if you plan on riding the metro several times per day.

The metro is by far the best way to get around Moscow.

In addition to the metro system, Moscow also has a network of buses, trams, and trolleys. This system is nowhere near as convenient or well-connected as the metro, though, and is likely of little use to you during your trip. There is no Uber in Moscow, but a similar app named Yandex is available if you need a ride in a pinch.

How Many Days Do You Need in Moscow?

Moscow is the biggest city in all of Europe, and it is absolutely loaded with things to do. You could spend weeks in Moscow and still find new things to do. Of course, most travelers don’t have that kind of time to spend in one place!

I recommend spending no less than three full days in Moscow, and ideally closer to five or seven.

Moscow is very spread out, and it can take some time to get from one major point to another. There are also so many places that are nice to just sit back and relax, which is hard to do when you’re in a hurry trying to cram activities into just a few days.

If you only have a week to visit Russia, I’d advise spending all of the time in one city. If you decide to split your time between Moscow and St. Petersburg, I recommend not trying to squeeze in any day trips beyond those two cities.

When Is the Best Time of the Year to Visit Moscow?

There are two different ways to approach this question. Personally, I think the best time to visit Moscow is around Christmas and New Year’s Day. While the weather will be absolutely freezing, Moscow is a surreal winter wonderland in December and January.

We were in Moscow right before Christmas. While it was very cold, you can always bundle up. Exploring the Christmas markets and pop-up ice skating rinks throughout Moscow is one of my favorite memories from anywhere I’ve traveled, and I dream of going back to do it again.

If you aren’t fond of the cold, Moscow is beautiful in the summer. It tends to get pretty cold in the shoulder seasons, so if you want warm weather, you should plan to visit in the summer. Moscow actually gets pretty warm in July and August, and there are a bunch of fantastic places to soak up the sun within the city.

The best time to visit Moscow is either around Christmas or from late May to August.

Is Moscow Safe to Visit?

While Moscow is a truly wonderful city, there’s no denying that visiting Russia comes with risks. As the country is run by an infamous communist dictator, concerns about visiting are valid. While we didn’t experience any sort of threat or negative treatment during our time in Moscow, we visited in a peaceful time.

In our experience, Russia doesn’t seem to detain normal Americans or Westerners to use as pawns. As a regular person, as long as you don’t commit any crimes, there is a slim chance you will run into any issues. However, Russia will not hesitate to enforce its laws against foreigners, and illegal behaviors will likely land you in a very compromising position.

Russia will not hesitate to enforce its laws against foreigners, and illegal behaviors will likely land you in a very compromising position.

To make matters worse, Russia has a bad reputation for gang violence. While the Russian mafia has very little interest in normal Western tourists, they won’t hesitate to pick a fight with anyone who ventures into their sphere of influence. If you seek out illegal substances or activities, you could be a target of the mafia.

If you seek out illegal substances or activities, you could be a target of the mafia.

Finally, since Russia’s invasion of Ukraine, things are all very different. Russia is currently at war, and there are battles raging within 8 hours of Moscow. While it is still relatively safe to visit, that could change at any time as the war with Ukraine continues.

Is Moscow Worth Visiting?

Without a doubt, Moscow is worth visiting. It is one of the most unique major cities we have ever visited, and we hope to make it back one day. The Russian Orthodox churches are stunning, the city’s history is unlike any other, and the food is to die for.

While many visitors prefer St. Petersburg to Moscow, I think Moscow deserves a lot of hype of its own. Moscow is the beating heart of Russian culture and history, and it’s a place I highly recommend checking out if you have the chance.

That’s all we have for you about Moscow! I hope this post was helpful as you plan your trip to Russia’s capital.

Have you been to Moscow? Or is this your first time visiting? Comment below if you have anything to add to our travel guide!

Hi, I'm Greg. I'm an avid traveler who has traveled to over 50 countries all around the world with my wife and kids. I've lived in Italy, Mexico, China, and the United States, and I dream of moving abroad again in the future. With this blog, I provide my audience with detailed destination guides to my favorite places and pro-tips to make travel as stress-free as possible.

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E.P.A. Says ‘Forever Chemicals’ Must Be Removed From Tap Water

The rule applies to a family of chemicals known as PFAS that are linked to serious health effects. Water utilities argue the cost is too great.

By Lisa Friedman

For the first time, the federal government is requiring municipal water systems to remove six synthetic chemicals linked to cancer and other health problems that are present in the tap water of hundreds of millions of Americans.

The extraordinary move from the Environmental Protection Agency mandates that water providers reduce perfluoroalkyl and polyfluoroalkyl substances, known collectively as PFAS, to near-zero levels. The compounds, found in everything from dental floss to firefighting foams to children’s toys, are called “forever chemicals” because they never fully degrade and can accumulate in the body and the environment.

The chemicals are so ubiquitous that they can be found in the blood of almost every person in the United States. A 2023 government study of private wells and public water systems detected PFAS chemicals in nearly half the tap water in the country .

Exposure to PFAS has been associated with metabolic disorders, decreased fertility in women, developmental delays in children and increased risk of some prostate, kidney and testicular cancers, according to the E.P.A .

Michael S. Regan, the E.P.A. administrator, called the new regulation “life changing.”

“This action will prevent thousands of deaths and reduce tens of thousands of serious illnesses,” Mr. Regan said on a call with reporters on Tuesday. He described the rule as the most significant action the federal government has ever taken to reduce PFAS exposure in drinking water.

“We are one huge step closer to finally shutting off the tap on forever chemicals once and for all,” he said.

The E.P.A. estimated it would cost water utilities about $1.5 billion annually to comply with the rule, though utilities maintain that the costs could be twice that amount and are worried about how to fund it. States and local governments have successfully sued some manufacturers of PFAS for contaminating drinking water supplies, but the settlements awarded to municipalities have been dwarfed by the costs of cleaning up the chemicals, municipal officials said.

Industry executives say taxpayers will ultimately foot the bill in the form of increased water rates.

The 2021 bipartisan infrastructure law provides $9 billion to help communities address PFAS contamination and the E.P.A. said $1 billion of that money would be set aside to help states with initial testing and treatment.

Mr. Regan announced the regulation on Wednesday in Fayetteville, N.C., near the site where, in 2017, a Chemours chemical plant discharged water contaminated with PFAS into the Cape Fear River, making the local drinking water unsafe.

Mr. Regan, who previously served as North Carolina’s top environmental regulator, oversaw the Cape Fear PFAS investigation at the time and forced Chemours to clean up the air, soil and water in the lower Cape Fear River basin communities.

In 2022, the E.P.A. found the chemicals could cause harm at levels “much lower than previously understood” and that almost no level of exposure was safe.

Under the new rule from the E.P.A., water utilities must monitor supplies for PFAS chemicals and would be required to notify the public and reduce contamination if levels exceeded the new standard of 4 parts per trillion for perfluoroalkyl and polyfluoroalkyl substances. Previously, the agency had advised that drinking water contain no more than 70 parts per trillion of the chemicals.

Public water systems have three years to complete their monitoring. If those samples show that levels of PFAS exceed the new E.P.A. standards, the utilities would have another two years to purchase and install equipment designed to filter out PFAS.

In a 2020 peer-reviewed study , scientists at the Environmental Working Group, a nonprofit organization, estimated that more than 200 million Americans had PFAS in their drinking water.

Public health advocates and scientists said the new regulation was overdue.

“A growing body of scientific research shows that PFAS chemicals are more harmful to human health than previously thought, and at extremely low levels,” said Anna Reade, director of PFAS advocacy at the Natural Resources Defense Council, an environmental group.

In just the past year, more than a dozen peer-reviewed studies have found evidence of additional health effects of PFAS exposure, including a delay in the onset of puberty in girls, leading to a higher incidence of breast cancer, renal disease, and thyroid disease; a decrease in bone density in teenagers, potentially leading to osteoporosis; and an increased risk of Type 2 diabetes in women.

Dr. Susan M. Pinney, the director of the Center for Environmental Genetics at the University of Cincinnati, led a longitudinal study of young girls who had been exposed to PFAS after an industrial plant in West Virginia released the chemicals into the Ohio River.

She called the number of people exposed to PFAS around the country “mind boggling.”

Robert A. Bilott, an attorney who has spent more than two decades litigating the hazardous dumping of PFAS chemicals, said he had alerted the E.P.A. to the dangers posed by the chemicals in drinking water as early as 2001. “It has taken far too long to get to this point, but the scientific facts and truth about the health threat posed by these man-made poisons have finally prevailed,” Mr. Bilott said.

The E.P.A. calculated the health benefits of the new regulation at about $1.5 billion annually from reductions in cancer, heart attacks and strokes and birth complications.

But Republicans and industry groups, along with many mayors and county executives, said the Biden administration had created an impossible standard that would cost municipal water agencies billions of dollars.

Several questioned E.P.A.’s accounting as well as the science used to develop the new standard.

The American Water Works Association, the Association of Metropolitan Water Agencies and other groups representing water utilities estimated that the cost of monitoring and remediation of PFAS could be as much as $3.2 billion annually. The figure is based on an analysis conducted for the American Water Works Association by Black & Veatch, a firm of consulting engineers.

Communities with limited resources will be hardest hit by the new rule, they said.

“When regulations are set near zero, that is not something manufacturers or water systems can economically achieve,” Brandon Farris, the vice president of energy policy at the National Association of Manufacturers, wrote in a letter to the E.P.A. “Regulations that are not economically achievable will lead to critical substances being manufactured outside of the U.S. where environmental protections are often less stringent.”

Christina Muryn, the mayor of Findlay, Ohio, a town of about 50,000 people, said that, while clean drinking water is an imperative, the E.P.A. was requiring municipalities to meet new mandates without adequate support.

“That is very frustrating to me as a citizen, as a mayor, and as someone who is responsible for our water treatment system,” Ms. Muryn said.

Public health advocates said the costs of the new rule were outweighed by the growing body of evidence of the dangers posed by PFAS.

Widely used since the 1940s, the chemicals are useful in repelling water and oil. Nonstick pans have been most famously associated with PFAS but the chemicals can be found in water-repellent clothes and carpets, certain shampoos, cosmetics and hundreds of other household items.

Lisa Friedman is a Times reporter who writes about how governments are addressing climate change and the effects of those policies on communities. More about Lisa Friedman

The Proliferation of ‘Forever Chemicals’

Pfas, or per- and polyfluoroalkyl substances, are hazardous compounds that pose a global threat to human health..

For the first time, the U.S. government is requiring municipal water systems to detect and remove PFAS from drinking water .

A global study found harmful levels of PFAS  in water samples taken far from any obvious source of contamination.

Virtually indestructible, PFAS are used in fast-food packaging and countless household items .

PFAS lurk in much of what we eat, drink and use, but scientists are only beginning to understand how they affect our health .

Though no one can avoid forever chemicals entirely, Wirecutter offers tips on how to limit your exposure .

Scientists have spent years searching for ways to destroy forever chemicals. In 2022, a team of chemists found a cheap, effective method to break them down .

Middle East latest: Rishi Sunak issues criticism as tensions between Iran and Israel reach boiling point

The UK prime minister says Iranian threats to carry out a missile strike against Israel are "unacceptable" as tensions continue to escalate. Scroll through live updates while you listen to our podcast on how the conflict in Gaza is affecting Yemen too.

Thursday 11 April 2024 15:41, UK

• Israel-Hamas war
• Biden says US support for Israel 'ironclad' on Iran
• Iranian threats against Israel 'unacceptable', PM says
• Alistair Bunkall : Attack from Iran on Israel reported to be imminent
• More than 100 Israeli conscripts 'refuse to serve on Gaza border'
• Three sons of Hamas leader killed in strike | IDF gives details of attack
• Explained: Who is Ismail Haniyeh?
• Watch: Moment he is told his family has been killed
• Alex Crawford report : Yemeni fishermen face threat of Houthi attack - but on Gaza they are firmly behind the militants
• Live reporting by Bhvishya Patel

With reports of an imminent attack on Israel by Iran, our international affairs editor Dominic Waghorn says this is a "very dangerous moment for the Middle East".

He says just as we thought the risk of a regional war were subsiding "it has now come back".

Waghorn says the "Iranians throughout this war have avoided escalating wherever they can" and "don't want a war" but "they feel they have to retaliate".

"The assumption is it will be a calibrated well-planned retaliation. It won't go too far but it will go far enough to try and restore their deterrence but it won't go too far as to plunge the region into all out conflict," he explains.

He notes whatever decision Iran takes "it's war and things don't necessarily go to plan".

"This is a very dangerous moment for the Middle East," he adds.

British and other foreign diplomats in Israel have been advised to stock up on essential items in anticipation of an Iranian attack.

The guidance, which has been issued to families in Tel Aviv and Jerusalem, also recommends carrying radios when out and about, in case phone networks are disrupted.

Israel is currently on alert for an Iranian retaliation following a suspected Israeli airstrike on Iran's embassy in Syria earlier this month. 

German airline Lufthansa has also suspended flights to the Iranian capital, Tehran.

Iranian threats to carry out a missile strike against Israel are "unacceptable", Rishi Sunak has said. 

Tehran has vowed to retaliate after two of its top generals were killed in an airstrike on its consulate in Syria earlier this month that the US military believes was carried out by Israel.

Although Israel has not commented on the attack, Iran's leader the Ayatollah Ali Khamenei said the country "must be punished and it shall be".

Speaking today, Mr Sunak condemned the Ayatollah's comments, saying they were "unacceptable".

He said: "We, like the Americans, fully support Israel's right to defend itself against that."

Mr Sunak added that Britain had already "highlighted Iran as a significant risk to regional security" and taken steps to protect the UK from threats from Tehran.

Yesterday, Joe Biden said that his country's commitment to Israel's security in the face of Iranian threats was "ironclad".

Germany's foreign minister has called her Iranian counterpart  to urge "maximum restraint" to avoid further escalation. 

In a statement on X, Germany's foreign office said Annalena Baerbock had spoken to Hossein Amirabdollahian about the "tense situation in the Middle East today".

"Avoiding further regional escalation must be in everyone’s interest. We urge all actors in the region to act responsibly and exercise maximum restraint," the statement read.

For context : Conflict has spread across the Middle East since the war in Gaza, with Iran-backed groups declaring support for those waging attacks from Lebanon, Yemen and Iraq.

Tehran has avoided direct confrontation with Israel or the US, while declaring support for its allies.

But on 1 April, suspected Israeli warplanes bombed Iran's embassy in Syria and Iranian supreme leader Ayatollah Ali Khamenei said Israel "must be punished".

Israel has not claimed responsibility for the 1 April attack.

The IDF is "constructing a northern crossing" in Gaza to increase aid into the enclave, IDF spokesman Daniel Hagari has said

He said Israel was working together with countries and international organisations to "develop new and improved measures to increase the flow of aid to Gaza civilians".

Sharing Israel's next phase, he went on to say the IDF was "constructing the northern crossing", which is "a new land crossing from Israel into northern Gaza" to enable more aid to flow into areas "that have been challenging for trucks to access".

"The combination of these measures mean that we expect the daily average number of trucks to go up gradually from 350 per day to around 500 per day," he said.

A former Israeli ambassador to the US has called on Israel to strike "the head of the snake" in Tehran.

Danny Ayalon said Iran was attempting to encircle Israel with a "ring of fire" around Israel in the form of Hamas, Hezbollah and the Houthis.

His comments come after Iran vowed to retaliate against Israel following a strike that killed senior Iranian commanders in Damascus - an attack Israel has not said it was responsible for.

"It is not surprising that Iran is continuing with a very aggressive approach, where they really try to change the entire landscape of the Middle East," said Mr Ayalon.

"With this heightened tension, there is a novelty here. Iran, for the first time, is threatening to strike, itself, directly at Israel, and not through proxies."

Mr Ayalon said Israel has a "fairly good missile defence" but Iran could attack Israeli tourists abroad or embassies.

"I think that by striking at the head of the snake in Iran and in Tehran, this is probably the most effective way to bring Iran back, to keep it at bay."

The Hamas-run Gaza health ministry has said at least 33,545 Palestinians have been killed in Israel's military offensive since 7 October.

Another 76,094 have been injured, the ministry added in its latest update.

The ministry's figures do not differentiate between civilians and fighters, but it says the majority of those killed were women and children.

 Israeli prime minister Benjamin Netanyahu says the war in Gaza will continue but adds that his forces are preparing for scenarios in other areas.

He said: "We established a simple principle - whoever hurts us, we hurt him. We are preparing to meet the security needs of the state of Israel both in defence and in attack."

The comments come following a visit to an air force base in southern Israel and amid fears of Tehran launching a retaliatory strike over the killing of senior Iranian commanders in Damascus.

Palestinian residents have been returning to Khan Younis after Israeli forces withdrew from the area.

Footage shows much of the the city in ruins.

The Times of Israel has reported that one IDF brigade remains in the area.

The Kremlin has called on all countries in the Middle East to show restraint, as the region braces to see whether Iran follows through on its threats against Israel.

Kremlin spokesman Dmitry Peskov asked governments to avoid the region slipping into chaos.

Iran has vowed revenge for an airstrike on its embassy compound in Damascus which killed a top Iranian general and six other Iranian military officers on 1 April.

There had been no requests for Russia to mediate between Israel and Iran, Mr Peskov said.

He claimed the Israeli strike was a violation of international law. 

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