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Traveler’s Checks When Traveling Abroad — Useful or Outdated?

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Christy Rodriguez

Travel & Finance Content Contributor

Countries Visited: 36 U.S. States Visited: 31

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Keri Stooksbury


Countries Visited: 44 U.S. States Visited: 28

Traveler’s Checks When Traveling Abroad — Useful or Outdated?

What Are Traveler’s Checks?

Where to buy traveler’s checks, how to use traveler’s checks, what to do if traveler’s checks are stolen, 1. no access to credit or debit card, 2. limited access to atms, 3. access good exchange rates , 4. avoid common credit or debit fees, 5. as an added safety measure, 1. limited availability for use, 2. not all banks offer them, 3. potential for additional fees, 4. bulky paperwork, credit card, prepaid card, do your research, tell your bank you are traveling, don’t keep all of your money in 1 place, final thoughts.

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When traveling abroad, you might wonder how to pay for things once you arrive. Should you bring currency on your trip? Which currency should you bring? Can you get money once you arrive? How much cash should you carry at once?

Many of these questions can be answered by using traveler’s checks. Traveler’s checks might seem like an outdated choice, but they can still be useful in certain situations.

In this article, we’ll explain what traveler’s checks are, how they work, and when they might be worth the hassle. We’ll also explore other more common alternatives and give tips for obtaining foreign currency.

Traveler’s checks are documents that can be used like standard paper checks and cash. Travelers purchase them before they leave home to exchange for cash in the local currency when they arrive at their destination.

These checks are printed in varying denominations, and each check is uniquely numbered so that it can be replaced quickly if lost or stolen.

Banks, hotels, and merchants were once very used to accepting traveler’s checks. These places liked traveler’s checks because of the safeguards that were put in place. Basically, as long as the original signature matched the signature made at the time of the purchase, payment is guaranteed — eliminating any “bounced checks.”

Now, with the increased use of credit and debit cards (especially those with no foreign transaction fees ), prepaid cards, and ATMs on every corner, traveler’s checks have become less popular.

You may find it difficult to find banks or hotels that accept them , and if you do, you might be at the mercy of their business hours to cash them in.

How To Buy and Use Traveler’s Checks

You can still buy and use traveler’s checks in the U.S. and other countries.

You can find traveler’s checks offered by companies like American Express and Visa . You can also go to your local AAA office to purchase them.

The best place to purchase traveler’s checks is from your own bank, but unfortunately, many banks no longer offer traveler’s checks, including Chase, Wells Fargo, and Bank of America.

If you’re not sure if your bank offers traveler’s checks, it’s worth contacting them to confirm. If you are a customer, banks typically waive any fees to obtain them and this can add up because other companies can add on a 1% to 3% fee on top of the base currency amount that you request.

In order to obtain a traveler’s check, you will need to:

  • Either go in person to an eligible bank or visit the website of the traveler’s check issuer.
  • Select the total amount of currency to purchase.
  • Submit payment, including any fees.

Once you have the traveler’s checks, you need to know how to use them. Traveler’s checks work a bit differently than other forms of currency. Here are the steps you’ll need to take:

  • Sign the checks immediately. Follow the issuer’s instructions to find out where to sign (and only sign once).
  • Leave evidence of your traveler’s check purchase somewhere safe. If checks get lost or stolen, you’ll need to provide proof of purchase along with check numbers to get a refund. Leave those details with a friend or save them online for easy remote access.
  • Complete the payee and date fields. Once you have confirmed that the payee or bank will accept traveler’s checks, fill out the payee and date fields.
  • Sign the check again. You must complete this portion in-person to ensure that the signature matches the original. You may also need to show some sort of identification as well. This is key to keeping traveler’s checks secure.
  • If checks get lost or stolen, contact the issuer immediately. You may be able to get replacement checks locally, and the issuer needs to know which checks to cancel.

Traveler’s checks don’t expire , so if you don’t use them you can either keep them for future use or deposit them into your bank account once you’re home.

If all of your cash is stolen while you’re traveling abroad, you’ll have next to no chance of getting it back.

However, if this happens with your traveler’s checks, you’ll likely get them replaced as long as you’ve complied with your check issuer’s purchase agreement . This is the primary benefit of traveling with traveler’s checks.

Bottom Line: Treat your traveler’s checks like cash. If you lose your checks, you may not get replacements if your check issuer has reason to believe you didn’t safeguard them appropriately.

Here’s what to do if your traveler’s checks are lost or stolen:

  • Call the customer service phone number provided by your issuer or find it by accessing their website.
  • Provide proof that the check is yours by submitting the check number, proof of purchase, and your identification. It’s important to have easy access to this information for this reason.
  • If required by your issuer, provide evidence that you have reported your stolen check to the police.
  • Be sure to return any other refund paperwork requested.

If you don’t comply, you could experience delays or even have your claim denied. After you’ve reported your missing check, your provider will void it and issue you a new check.

Some issuers even pledge to get replacement checks out to you within 24 hours !

Best Ways To Use Traveler’s Checks

The following are situations when you might consider using traveler’s checks:

If you don’t have a credit card or a debit card tied to your bank account, a traveler’s check could be a safe alternative to simply carrying lots of cash abroad.

This tip also applies if your particular credit or debit card isn’t accepted abroad. This is more likely to happen if your card is something other than a Visa or Mastercard , as those credit cards claim the widest global network.

In many places, you can easily get cash in the local currency at an ATM once you arrive. This wouldn’t be a problem in Europe, for example, but ATMs are rare in some parts of the world. In addition, ATMs can malfunction, networks can be down, and machines might even run out of cash.

Traveler’s checks allow you to get local currency at participating banks, hotels, and other foreign locations without regard for these potential problems.

Buying traveler’s checks can help you avoid bad exchange rates. If you decide to exchange currency once you arrive, you might not get the best conversion rates by doing this at the airport.

By purchasing traveler’s checks before you leave, you can lock in a set amount at the current exchange rate.

Read our guide for the best places to exchange currency .

If your credit or debit card charges a foreign transaction fee , you can be charged a fee every time you make a purchase with your card in a foreign country. If your card also charges ATM fees, these fees can add up quickly.

To avoid these fees, it might make sense to use traveler’s checks. Although there may be a fee involved when you purchase or cash a traveler’s check, it might still be less than other fees your credit or debit card may charge.

Hot Tip: If your card charges a foreign transaction fee, it will typically be 3% of each purchase you make.

If you’re traveling to a potentially unsafe region, traveler’s checks keep your money secure. Even if you’re in a relatively safe place, anyone who enters your room or has access to your bags could search for your money.

The main benefit of traveler’s checks is that they reduce your risk of theft or loss. Since they can’t be cashed without your signature and often require a photo ID, they are less appealing to thieves or pickpockets. They can also be easily replaced if you provide the issuer with the proper information.

Cons of Using Traveler’s Checks

Here are some reasons that might discourage you from using traveler’s checks:

In much of Europe and Asia, traveler’s checks are no longer widely accepted and cannot be easily cashed — even at the banks that issued them.

This means that cashing in traveler’s checks might require hunting down a bank branch or hotel that accepts them during business hours.

Bottom Line: Those relying solely on traveler’s checks may find that they are unable to cash them in many remote or rural locations.

Certain major banks, such as Bank of America, no longer offer traveler’s checks at all. This might mean ordering traveler’s checks online well in advance of your travel plans or having to find a new bank that offers them.

If a company does offer traveler’s checks, it typically charges fees for both buying and cashing in a traveler’s check. While some banks offer them for free if you are a customer, others charge between 1% to 3% of the total purchase amount.

Check the math for your own situation, but using traveler’s checks could actually cost more than using an ATM or credit card abroad.

Not only are traveler’s checks a hassle to carry, but most companies also require that you keep proof of purchase for the checks to verify the check numbers if they are lost or stolen.

Both of these just add up to keeping track of additional paperwork.

Other Alternatives

Obviously, traveler’s checks aren’t your only option when it comes to obtaining foreign currency. Here are some other options you should consider.

Variety of Foreign Currency

Cash is convenient and relatively easy to exchange. You can bring money from home into a foreign bank or currency exchange location almost anywhere in the world. It can be easily exchanged without the worry of multiple bank fees or ATM fees adding up.

Hot Tip: Be aware: if you exchange your money in tourist areas, you might be hit with a bad exchange rate.

On the downside, carrying paper money is a risk since it can’t be replaced if stolen.

A debit card can be used at an ATM to collect cash. While not all ATM machines (especially in more rural places) accept foreign debit cards, you will find that most do.

Depending on your bank, you might even have to pay both an out-of-network ATM and an international ATM fee for this convenience.

Hot Tip: An out-of-network ATM fee is typically between $2 to $3.50 per transaction in 2021 and a typical international ATM fee can range from $2 to $7 per transaction (plus a 3% conversion fee), depending on your bank and card.

Most restaurants and stores accept foreign debit cards, but carrying a form of backup currency is always wise . Additionally, foreign transaction fees can add up quickly if you are using your debit card frequently.

Like debit cards, credit cards are small and easy to carry. Mastercard, Visa, and more recently, American Express , are widely accepted in other countries, so you can rest easy knowing you will be able to complete your purchases. You can also limit fees by getting a credit card with no foreign transaction fees .

A credit card also comes with fraud protection. You can dispute fraudulent charges and get them removed from your account if reported timely.

Hot Tip: While you can use a credit card for ATM transactions, you will be hit with a cash advance fee . It’s best to avoid doing this, if possible.

If you have difficulty getting approved for a credit card , a prepaid card could be a good alternative. You simply load the card with money from your bank account and use it as a debit card at an ATM or as a credit card at merchants and hotels.

While prepaid cards are locked with a PIN number, they can sometimes be difficult to use at ATM machines. Additionally, fees for foreign currency transactions can be as high as 7% , depending on the card.

Hot Tip: Booking hotels, airfare, or activities online will require either a credit card, debit card, or prepaid card.

Money Tips for Traveling Abroad

Know which types of currency are accepted at your destination and how much of each type (if any) you should bring. Especially be aware of any cash you might need on arrival (to obtain a visa , exchange upon arrival, etc.) in case you can’t immediately locate an ATM or a currency exchange office.

Carry a mix of cash, cards, and maybe even traveler’s checks. Ideally, the cards you bring with you shouldn’t have foreign transaction fees or ATM fees . Having some variety also helps if one of your cards isn’t accepted or your cash is lost or stolen. 

Always be sure to let your bank and credit card issuers know where you’re going and when so that your card isn’t declined when you try to make a purchase due to unusual activity.

If you exchange money at your bank, you will likely also get a better exchange rate.

Keep some of your currency or an extra card locked in your hotel room’s safe or in a money belt . In the terrible instance that you lose your purse or wallet, you would still have immediate access to additional money.

We’ve shown that traveler’s checks aren’t necessarily the most convenient way to take currency abroad, but depending on if you have limited access to debit or credit cards or they aren’t accepted where you are traveling, it might be worth it to bring some along.

Overall, if you’ve decided that traveler’s checks can be of use to you, taking some, along with some cash and a debit, credit, or prepaid card, may just be the smartest way to travel.

Frequently Asked Questions

Can you still buy traveler's checks.

While many larger banks are no longer offering traveler’s checks, they are still available at American Express and other smaller banks and credit unions. It is worth asking if your bank offers them and at what cost.

How much does it cost to buy traveler's checks?

While some banks offer them for free if you are a customer, others charge between 1% and 3% of the purchase amount.

What is the purpose of a traveler's check?

A traveler’s check offers a safer option than carrying around money. There are multiple safeguards in place to prevent fraud and if the checks are lost or stolen, they can be easily replaced.

Can you cash old traveler's checks?

Traveler’s checks do not expire. You can cash them in at any time — typically even at banks that don’t offer them for sale. This means you can go to your own bank and redeem your traveler’s checks.

To do this, date them, fill out the “Pay To” field (to your bank), and countersign in the presence of the cashier . Any unused value will be returned to you in cash.

Can I buy traveler's checks online?

American Express is the only large bank that offers traveler’s checks online. Its website offers a step-by-step process to order them.

You should check with your local bank or credit union to see if they might also offer this benefit.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.


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All about traveler’s checks, plus modern alternatives

January 18, 2024 | 1 min video

Getting ready to travel? One thing to think about is how you’ll make purchases while you’re away. Traveler’s checks aren’t as common as they used to be. So you might want to consider modern alternatives that may offer the advantages of traveler’s checks and more.

Read on to learn more about the ins and outs of traveler’s checks. And find out about other options—for example, credit cards, prepaid cards and mobile wallets—that could help make the most of your trip.

Key takeaways

  • Traveler’s checks are paper documents that can be exchanged for local currency or used to buy goods and services abroad.
  • Traveler’s checks feature unique serial numbers, making them replaceable if they’re lost or stolen.
  • Fees may apply when purchasing and exchanging traveler’s checks.
  • There are modern alternatives to traveler’s checks that you may find more convenient.

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What is a traveler’s check?

A traveler’s check is a paper document you can use for making purchases when you’re traveling, typically in other countries. It can be used as cash or a regular check.

Traveler’s checks—you may also see them referred to as “cheques”—are generally printed with a unique serial number. This means you may be able to get a refund if your checks are lost or stolen. The checks are usually available in set denominations—$20 and $50, for example. 

How do traveler’s checks work?

Traveler’s checks may be accepted at participating merchants like hotels, restaurants and stores. Just keep in mind that there could be fewer participating merchants than there used to be.

When you purchase your checks, you may notice that they have a space for two signatures:

  • First signature: You might be asked to sign each of your traveler’s checks when you buy them. If not, you may want to sign them as soon as possible. 
  • Second signature: You’ll usually sign your traveler’s checks again when you’re making purchases.

This dual signature method is meant to provide extra security and ensure that only the purchaser is able to use them. The merchant can verify that the second signature matches the first.

How to cash in traveler’s checks

You can use traveler’s checks like cash to pay for goods and services at participating merchants. You’ll typically sign the check in front of the merchant at the time of the purchase.

While traveling, you may also be able to redeem your traveler’s checks for local currency at financial institutions or your hotel.

Potential fees associated with traveler’s checks

It’s possible that certain fees may apply to traveler’s checks. For example, you may need to pay a fee when you purchase them or when you exchange them for currency once you get to your destination. There might also be a fee for depositing unused checks into your bank account.

Where to get traveler’s checks

While traveler’s checks might be harder to find than they used to be, they’re still available. You may be able to purchase them at some banks, credit unions and travel-related service organizations.

Pros and cons of traveler’s checks

Take a look at some of the potential pros and cons of traveler’s checks:

When to use a traveler’s check

You might consider using traveler’s checks in certain situations, including: 

  • When you don’t have a credit or debit card. Some people may prefer to travel using modern payment options like credit and debit cards. But if you don’t have either, you may find traveler’s checks to be an acceptable alternative.
  • When you can’t access an ATM. If you find yourself in a place that doesn’t have an ATM on every corner, you can instead use your checks at merchants that accept them.
  • When you want to exchange them for local currency. When you get to where you’re going, you might want to have some local currency on hand. You may be able to exchange your traveler’s checks for currency at certain banks or other financial institutions.

Modern alternatives to traveler’s checks

There are a number of alternatives to traveler’s checks—options you may find faster, easier and more convenient. Here are a few to consider when you’re comparing your choices:

Credit cards

Carrying a credit card may be easier than carrying traveler’s checks. Plus, credit cards can be helpful for making large and online travel purchases like plane tickets and hotel reservations. That’s especially true with travel credit cards , which you could use to earn rewards on travel-related purchases.

Some credit cards may also come with benefits that could be useful while traveling. They might include things like protection from unauthorized charges and the ability to use a mobile app to track your purchases .

Keep in mind that foreign transaction fees may come into play when you use your credit card overseas. While this fee might vary between credit card companies, it could generally be in the range of 1%-3% of your purchase. You may also be charged a currency conversion fee. This fee is often part of a foreign transaction fee.

Some companies don’t charge foreign transaction fees. For example, none of Capital One’s U.S.-issued credit cards charge this fee. View important rates and disclosures .

If you’re traveling with your credit card, your credit card issuer may want to be alerted before you go. That’s because it might flag your purchases as fraudulent if it notices purchases made in an unfamiliar location. Thanks to the added security of its chip cards, Capital One doesn’t require this notification.

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Debit cards

When you’re traveling, a debit card can be just as easy to carry around as a credit card. And like a credit card, it can help protect against fraud. 

The big difference: A credit card lets you “borrow” money for purchases, while a debit card uses the money in your checking account to make purchases.

It may be helpful to carry a debit card when you’re visiting a country that generally favors cash transactions. In that case, you could use your debit card at an ATM to get cash once you’ve reached your destination. And that may be safer than bringing cash with you and exchanging it for local currency once you’ve arrived. 

Keep in mind that you could be charged ATM fees when you use a debit card abroad. According to the Consumer Financial Protection Bureau (CFPB), some banks and credit unions don’t charge customers a fee for using their ATMs. But they might charge you if you’re not a customer—and that could be in addition to a fee charged by the operator of the ATM.

Also, be mindful that some banks may charge a foreign transaction fee when you make purchases abroad with a debit card. You may also be charged a currency conversion fee—often, this fee is folded into the foreign transaction fee.

Some banks, though, don’t charge foreign transaction fees. For example, Capital One doesn’t charge this fee for its 360 Checking account . 

If you take a debit card on your travels, your bank may ask you to notify it beforehand. That’s because it could notice transactions made in an unfamiliar location and potentially freeze your account. Capital One doesn’t require this notification , thanks to the added security of your chip card.

Prepaid cards

Like credit cards and debit cards, prepaid cards may be easier to carry around than cash. They may also offer some protection against loss, theft or fraud once you register them.

But with a prepaid card, you don’t “borrow” money like you do with a credit card—or use money from your checking account, like with a debit card. Instead, you typically add money to a prepaid card before using it.

According to the CFPB, there are a few ways you can add funds to a prepaid card. For example, you can transfer money from your checking account or load funds at some retailers or financial institutions.

You might be charged one or more fees for using a prepaid card. The CFPB notes that if you get your prepaid card from a retailer, you should find a summary of fees on the card’s packaging. If you get your card from a different provider—online or over the phone, for example—the provider needs to share this information on paper or electronically.

Mobile wallet

You’ll probably have your phone with you when you’re traveling, right? Using a mobile wallet to make purchases is another modern alternative to traveler’s checks.

A mobile wallet is essentially a digital version of your real wallet. Depending on the wallet, you may be able to store things like credit cards, debit cards, prepaid cards, boarding passes, hotel reservations, event tickets and other types of personal data. 

Mobile wallets can be convenient, allowing you to make quick and easy payments using your phone or other mobile device when you’re on the go. And they typically use advanced technology that prevents your actual account numbers from being stored in the wallet.

There are lots of mobile wallets to choose from. Researching your options could help you see which will work best while you’re traveling. Keep in mind, some merchants might not take mobile wallet payments.

Traveler’s checks in a nutshell

Traveler’s checks can be a helpful way to pay for things abroad, but there are also more modern options available today, like credit cards, debit cards, prepaid cards and mobile wallets. And with a travel credit card, you could earn rewards on your travel-related purchases.

Ready to upgrade the way you pay before your next trip? Compare Capital One travel credit cards today to find the best option for you, no matter where you’re headed. 

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What Is a Traveler’s Check?

  • How It Works
  • Where to Get Traveler's Checks
  • Where to Cash Traveler's Checks
  • Pros and Cons
  • Alternatives to Traveler's Checks

The Bottom Line

  • Personal Finance

Traveler's Check: What It Is, How It's Used, Where to Buy

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

cash travellers cheques

Investopedia / Eliana Rodgers

A traveler’s check (sometimes spelled "cheque") is a once-popular but now largely outmoded medium of exchange utilized as an alternative to hard currency and intended to aid tourists. The product is typically used by people on vacation in foreign countries. It offers a safe way to travel overseas without the risks associated with losing cash. The issuing party, usually a bank, provides security against lost or stolen checks.

Beginning in the late 1980s, traveler’s checks have increasingly been supplanted by credit cards and prepaid debit cards.

Key Takeaways

  • Traveler’s checks are a form of payment issued by financial institutions such as American Express.
  • These paper cheques are generally used by people when traveling to foreign countries.
  • They are purchased for set amounts and can be used to buy goods or services or be exchanged for cash.
  • If your traveler's check is lost or stolen it can readily be replaced.
  • Once widely used, traveler’s checks have largely been supplanted today by prepaid debit cards and credit cards.

How Traveler’s Checks Work

A traveler’s check is for a prepaid fixed amount and operates like cash, so a purchaser can use it to buy goods or services when traveling. A customer can also exchange a traveler’s check for cash. Major financial service institutions issue traveler’s checks, and banks and credit unions sell them, though their ranks have significantly dwindled today.

A traveler’s check is similar to a regular check because it has a unique check number or serial number. When a customer reports a check stolen or lost, the issuing company cancels that check and provides a new one. 

They come in several fixed denominations in a variety of currencies, making them a safeguard in countries with fluctuating exchange rates , and they do not have an expiration date. They are not linked to a customer’s bank account or line of credit and do not contain personally identifiable information, thus eliminating the risk of identity theft. They operate via a dual signature system. You sign them when you purchase them, and then you sign them again when you cash them, which is designed to prevent anyone other than the purchaser from using them.

Many banks, hotels, and retailers used to accept them as cash, although some banks charged fees to cash them. However, with the rising worldwide use of credit cards and prepaid debit cards—such as the Visa TravelMoney card, which offers zero liability for its unauthorized use—it is getting much harder to find institutions that will cash traveler’s checks.

History of Traveler’s Checks

James C. Fargo, the president of the American Express Company, was a wealthy, well-known American who was unable to get checks cashed during a trip to Europe in 1890. A company employee, Marcellus F. Berry, believed that the solution for taking money overseas required a check with the signature of the bearer and devised a product for it. American Express and Visa still use the British spelling on their products.

Where to Get Traveler's Checks

Companies that still issue traveler's checks today include American Express, Visa, and AAA. They often come with a 1% to 2% purchase fee. AAA now offers members pre-paid international Visa cards instead of paper checks.

In the U.S., they are available primarily from American Express locations. You can also buy traveler's checks online from the American Express website, but you need to be registered with an account. Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks.

American Express, Visa, and AAA are among the companies that still issue traveler’s checks.

Where to Cash Traveler's Checks

If you want to convert your traveler's checks into cash (instead of spending them directly), you can often deposit them normally at your bank. Many hotel or resort lobbies will also provide this service to guests at no charge. American Express also provides a service to redeem traveler's checks that they issue online to be deposited into your bank account. The redemption application online should take less than 15 minutes to complete.

Advantages and Disadvantages of Traveler's Checks

Traveler's checks are handy for tourists who do not want to risk losing their cash or having it stolen while abroad. Because they could be reported lost or stolen and the funds replaced, they provide peace of mind. This was particularly a concern before credit cards and ATM machines were widespread and affordable around the world for most travelers. At the same time, these paper checks are now a bit outdated and come with a fee to purchase, making them potentially more expensive and cumbersome than using plastic or electronic payments.

Replaced if lost or stolen

Widely accepted around the world

Convenient to use

They don't expire

Must have the physical check to use it

Incurs a fee to purchase

Limited number of issuers today

Alternatives to Traveler's Checks

The most obvious alternative is to use a credit or debit card issued by a bank that works worldwide and charges low or no foreign exchange fees on purchases or ATM withdrawals. If your bank doesn't allow for this, or charges high fees, then prepaid travel cards are the modern version of traveler’s checks. They allow you to get local currency from ATMs and make purchases with merchants—effectively eliminating the need for traveler’s checks.

Prepaid cards are not linked to your bank account, which prevents anybody from draining your checking account if the card gets lost or stolen—and you can’t go into debt. Credit cards offer similar (or better) protection, but you might not want to use your everyday card abroad. By using a dedicated travel card, you avoid spreading your card numbers around, which means you can be less vigilant about monitoring your accounts when you get back home. Visa and MasterCard both offer prepaid cards designed for use abroad. Those cards are available online, through travel agents, and at banks or credit unions. 

Travel cards should feature low ATM fees, technology that lets you operate like a local in foreign countries, emergency cash when you lose the card, and “zero liability” fraud protection. That said, prepaid cards can be expensive, so you need to compare fees against your other cards to decide whether or not a travel card makes sense.

For U.S. citizens living abroad for extended periods, maintaining checking and other bank accounts in the United States provides several advantages, and many checking accounts are friendly for foreign transactions .

Where Do You Buy Traveler's Checks?

You can buy still buy traveler's checks from American Express, Visa, and a handful of other financial institutions. To buy them, visit a location or check the website of an issuing institution. You may need a photo ID in order to set up an account.

How Do You Cash Traveler's Checks?

Many hotels, resorts, and currency traders will cash traveler's checks in exchange for local currency. However, with the rising prevalence of credit and debit cards fewer locations cash traveler's checks.

What Do You Do With Traveler's Checks?

Traveler's checks are a secure way of carrying money while abroad. Many businesses in the tourism industry will cash traveler's checks, and they can also be deposited into a bank account. Because the checks can be easily replaced, they have a lower risk of theft or loss. However, traveler's checks have fallen out of favor due to the increased convenience of credit cards and prepaid debit cards.

Traveler's checks were once a popular way to carry money while vacationing abroad. They are sold in fixed denominations, and can be used for purchases or cashed like an ordinary check. Traveler's checks can be easily replaced, making them less risky than carrying large amounts of cash. However, they have fallen out of favor due to the convenience of using credit or debit cards.

Sparks, Evan. “ Nine Young Bankers Who Changed America: Marcellus Flemming Berry .” ABA Banking Journal, June 26, 2017.

Time Magazine. " Travel (April, 1956): The Host with the Most ."

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How to Cash American Express Travelers Checks

by Editorial Team

Published on 1 Jan 2021

American Express offers travelers checks in seven different currencies including U.S. currency, Canadian dollar, Pound Sterling, Japanese Yen, Chinese Yuan and Euro. Using a traveler’s check protects you from identity theft, as you don’t have to provide any bank account or personal information to purchase it. Several banks and merchants throughout the world allow you to cash American Express traveler’s checks when following the correct procedures and presenting the proper identification.

Visit a foreign exchange, merchant location or bank that accepts American Express Travelers Checks. Exchange the traveler’s checks for local currency to make payments at restaurants, hotels, shops and other retailers.

Write the current date in the upper right corner of the travelers check in the designated area, just as you would a personal check.

Write the name of the merchant or payee on the "Pay to the Order" line in the middle of the check.

Sign the check on the designated line located in the lower left corner. Allow the cashier to witness you signing the check for signature verification. Your signature should match the original signature located on the check.

Present the travelers check to the merchant along with your identification. Valid forms of identification include a passport, driver's license and state-issued identification card.

When cashing an American Express Travelers Check, commission charges may apply and can vary by exchange partner or country.

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Found yourself stuck with travellers cheques? Here's how you can exchange your travellers cheques to cash.

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Before we start talking about exchanging your travellers cheques into cash, let's start at the beginning.

What exactly is a travellers cheque? According to the Oxford dictionary, it is defined as "a cheque for a fixed amount that may be cashed or used for payments abroad after endorsement by the holder's signature". Traveller's cheques used to be available in several currencies such as US dollars, Canadian dollars, pounds sterling, Japanese yen, Chinese yuan and Euros.

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They were seen as a safer alternative to carrying physical cash around and at one point in time, very popular amongst tourists. Restaurants, bars, shops and most businesses would happily accept them as a travellers cheque could never "bounce". The issuer will unconditionally guarantee payment of the face amount. For reference only, the organization that produces a traveller's cheque is known as the issuer. The bank or financial institution that sells the travellers cheques is the agent of the issuer and the traveller who buys the cheque is the purchaser. The shop or restaurant you go into and use the cheque is known as the merchant.

The most well known issuers of travellers cheques were Thomas Cook, Bank of America and American Express. However, since the 1990s there has been a great decline in their use as cash, pre paid cards, ATMs, multi currency cards and credit cards have taken over when spending money abroad.

Now it is very difficult to use travellers cheques abroad. In fact most businesses will not accept them and they have indeed become an obsolete.

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How can I exchange my travellers cheques?

Even though these cheques can no longer be used in shops when you go on your next holiday, they have no expiry date and there are still some ways that you can cash them in but just expect a poor exchange rate when you do exchange them for cash.

1) Your local Post Office

Luckily, you can still walk down your high street and into your local Post office to exchange your travellers cheques into cash. The exchange rate you do this at will probably be poor and there may even be associated fees but this is at least a quick and simple solution. Remember to take your proof of ID with you, this could be your photographic driver's licence or passport.

2) Visit your local bank

A few banks still allow account holders to deposit Travellers Cheques to their personal bank account and so it may be worth checking with your bank first to see if you can exchange your travellers cheques with them directly and they deposit the GBP equivalent directly into your current account. Once again, if you go in person to your local bank branch will be asked to present photographic ID that includes your signature for sign off of these cheques.

3) Go online

It is also worth visiting the issuer's website directly to get guidance on redeeming your travellers cheques.

For example, if your travellers cheque has American Express logo on them, you can click on this link American Express Travelers Cheques. The page provides you with your nearest location to exchange your Travellers cheques in person and also provides an option to redeem them online.

Alternatively, if your travellers cheques are issued by Travelex, Thomas Cook, Mastercard or Interpayment Visa you can use their encashment form found here encashment-form-newv5.pdf (

Generally speaking, exchanging your travellers cheques into cash requires you to print out and complete a form from the issuer. You will be asked to complete the details of the currency denominations of your travellers cheques and also to keep a record of their respective serial numbers. Additionally, since this process is done online and not over the counter in front of a clerk, they will request a copy of your proof of identification which also includes your signature. This can be a photograph drivers license or a passport. For larger amounts they may even request a proof of address - so a recent utility bill or bank statement.

Make sure you have the above at hand when filling these forms out to make things quicker for you

What are the alternatives to taking travellers cheques?

Travel money is a very easy and cheap way to spend money abroad. To find the best exchange rate, simply go online and compare exchange rates and any associated fees that foreign exchange providers are offering.

Some foreign exchange companies may say no commission and no fees on top but may in fact hide their fees within the exchange rate. So, instead of purchasing your travel money at the real exchange rate, you may be offered something away from that rate and this is the spread which incorporates their fees.

Other companies are easier to buy travel money online from as they are transparent. The Currency Club for example, offers their best exchange rates on any currency and additionally gives you access to review the live interbank exchange rate before you confirm your transaction giving you complete transparency. You can then easily compare how much you can save. The company will deliver the travel money directly to your home, fully insured by 1pm using with you selecting the day that suits you best.

Credit cards (pre paid and others)

There has been a significant increase in travellers using their cards abroad. Of course a pre paid currency card helps travellers to budget, as you top up only the amount you wish to spend. Additionally, like travellers cheques they can be a safer option in the event that your card is stolen.

However, the problem arises when you visit a place that does not accept cards. In which case you are at the mercy of taking cash out of ATMs when abroad and this can work out to be very expensive.

Not only may you get charged withdrawal fees each time, but the exchange rate may also be very poor since ATMs are also charging you for the convenience of having cash on tap!

The safest and most sensible solution is to always have some travel money and perhaps one other alternative. This way, it's easier to stick to a budget and it means you will not need to waste your time or money visiting ATMs when abroad.

Buy Traveller Cheques

As an alternative to cash, we offer the best currency exchange rates on travellers cheques. They are safest ways to carry money around. In the event that the travellers cheques are lost or stolen you can report this and receive a replacement immediately.

Make sure you sign each travellers cheque when you receive them from us and keep the serial numbers in a safe place before you travel so you are protected in the event that your cheques are lost or stolen. When you want to make a purchase or exchange them for cash, just sign the travellers cheque in the designated area in the presence of the acceptor, along with your passport (you may be required to show your passport when you decide to use them).

Then you're good to go!

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If You Have Old Traveler's Checks Lying Around, Here's Why You Should Cash Them ASAP

Jason cochran at mic edited

By Jason Cochran

03/07/2023, 6:15 PM

For a long time, the standard advice about traveler's checks has been conditional: You can still buy them, but be prepared for them to be refused at many places.

Traveler's checks hail from an era before ATMs, credit cards, prepaid debit cards, and digital wallets, when travelers had to bring large sums of money with them to pay for their adventures. The traveler's check enabled people to remain well-funded without the risk of carrying actual cash.

But we no longer need to carry ready funds wherever we go. We have digital payments. And as that global technology has grown, the systems that handle archaic proxy forms of payment such as traveler's checks have vanished.

Many former issuers of traveler's checks, such as Thomas Cook, Bank of America, Chase, and AAA, have either discontinued their traveler's check programs or gone out of business altogether. 

Yet there are still some consumers out there who seek out this form of payment out of familiarity. 

American Express acts like they're still worthwhile. ("Travelers Cheques mean peace of mind," the  Amex website promises .) So does  Visa , which issues them through its banking partners. 

Don't succumb. You could end up stuck with the checks after you get back home.  

Previously, if you still had some traveler's checks in your possession after a trip, you could redeposit them in your bank account. After all, they never expire.

But now big financial institutions have changed the rules. 

Last December, Charles Schwab, a major player in consumer investing, announced that it would no longer accept traveler's checks as deposits. (The company also announced it would no longer accept mobile deposits of money orders.) The warning was quietly slipped into a tiny box in the Charles Schwab app.

cash travellers cheques

Financial institutions, like airlines, tend to imitate one another's consumer products. Your bank may follow suit, if it hasn't already.

In Chase's case, sales of traveler's checks were halted in 2015, but Chase still accepts them on deposit for now.

Many banks, though, will simply refer you back to the company that originally underwrote the transaction, so getting your cash might involve detective work and mailing the old checks to Europe  to petition for a refund.

Yet a lot of online travel tips still present traveler's checks as an uncommon-but-viable option.

A 2022 post by First Republic Bank sold them as "still a worthy option to consider," and a 2022 post from Capital One warned there may be a fee to deposit unused traveler's checks, but didn't mention that many banks aren't even capable of doing that anymore.

I tested ChatGPT with a question about how to obtain traveler's checks for a vacation. Because the A.I. software is fed by all the bad information online, the chatbot told me traveler's checks "have become less common in recent years," but then nonetheless proceeded to instruct me how and where to buy some.

ChatGPT never warned me that I could potentially have trouble cashing the leftovers after my trip ends.

If you research more carefully, you can find stories of people who run across old traveler's checks but have a hard time locating anyone to redeem them—even at the buyer's own bank or the institution named on the check. 

If you can't use traveler's checks easily and you can't easily get your money back afterward, they're not what I'd call a viable option anymore.

One statistic that's frequently cited online states that more than $1 billion in unredeemed traveler's checks are still circulating. Many of those checks are leftovers from long-ago vacations that came in under budget or vestiges of well-meaning grandparents who assumed buying traveler's checks as gifts was as safe as buying a bond.

Although that $1 billion figure may not be accurate, there's still no doubt that heaps of old traveler's checks are out there, forgotten in the backs of closets, sock drawers, and safe deposit boxes. The avenues for getting the value back out of the checks are swiftly closing.

So it's time to call it. Traveler's checks should never be used. 

More to the point, if you have any old traveler's checks somewhere, get the value back out of them as soon as possible.

And don't buy any more ever again. Not unless you want to run the risk of locking your hard-earned money into pieces of paper.

When it comes to travel, any company that is still issuing traveler's checks probably shouldn't be. Consider them dead.

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What to Do With Old Travelers Cheques (Don’t trash them)

Since smartphones and credit cards became ubiquitous, the humble traveler’s cheque (or check, depending on where you’re asking the question) has fallen out of favor. However, not that long ago they played an immensely important role in the lives of travelers across the United States.

Back when there wasn’t an ATM on every corner and cash was king, they minimized the risk globetrotters faced when traveling far from home. Cash could be lost or stolen. While traveler’s cheques could be too, they could also be reported as such and subsequently replaced!

However, now it’s 2021. Credit and debit cards are as common as dental floss and the once novel utility of traveler’s cheques has worn off. So, with that said, what do you do when you find old ones laying around?

Do not throw away your old traveler’s cheques — you may still be able to redeem them for hard currency. They never expire, so if you have ownership and the cheque’s serial number has not already been redeemed, you’ll be able to cash them at participating financial institutions.

Go dig them out of the garbage if you’ve already tossed them out! Then come back here and stick around, as we’re going to explore the state of using traveler’s cheques in the modern era.

One thing — we’re not financial or legal experts. If you doubt your ability to cash the traveler’s cheques you found, consider calling American Express at 1-800-525-7641. If American Express is not your traveler cheque issuer, simply call the company that issued them.

What About for the Deceased?

There’s a chance that if you’ve found old traveler’s cheques, they were a part of a deceased person’s estate. While it’s possible to cash the traveler’s cheques of a dead person, you have to make sure that you have the right to do so — this usually means being the executor of that person’s estate.

This is more complicated than simply proving you’re related to someone — other heirs may have equal or greater rights to the estate.

If you’re not sure if you have the ability to do this, I recommend talking to a probate lawyer or calling the company that issued the cheques.

Where To Cash Travelers Cheques in 2021

While they’re certainly not as in favor as they used to be, there are still many places that someone can redeem their traveler’s cheques for cash. While we won’t go into every location that will cash your traveler’s cheques here, we will give you a rough strategy for getting them redeemed.

via Purchases as Participating Stores

Many stores, including some Walmarts, offer the ability to cash traveler’s cheques in their store. This often takes the form of buying something with the cheque and getting the change back in U.S. currency.

Be warned — some stores will limit traveler’s cheque redemption to a certain amount of money. Consider a situation where a store only allows $20 cash back. If you paid with a $50 traveler’s cheque, you’d need to spend $30 at the store to get your total amount of money back!

Bank Deposits

Nearly all banks will allow customers to deposit their traveler’s cheques into checking or savings accounts. The same usually can’t be said if a person doesn’t have an account at that institution (with some exceptions, listed below).

However, not all banks offer this service. To know for sure, simply call your bank.

Check-cashing stores

Many people don’t know this, but check cashing places will usually cash traveler’s cheques. Like all of their other services, this will cost money. How much they’ll charge depends on the individual store policy. As with the other sections, if you’re in doubt give them a call.

Bank of America

Unlike other banks, the vast majority of Bank of America locations allow you to cash traveler’s cheques. Bank of America will often charge a fee, although some locations offer this service for free.

U.S. Post Offices

According to the USPS , you can use travelers cheques to buy postage services as long as at least 50% of the value goes toward the postage service. This means that if you have a $50 travelers cheque, you would need to buy $25 in postage services to get $25 back in change.

American Express actually offers the ability to redeem your traveler’s cheques online . In order to take advantage of this method, you’ll need the following:

  • A government issued ID (social security card, passport, or U.S. driver’s license)
  • The traveler’s cheques
  • Your bank details

Following their online instructions will allow you to redeem the cheques, depositing the money into your bank account.

Will They Ever Expire?

I touched on this in the introduction, but one of the major benefits of buying traveler’s cheques is that they will never expire . You can keep them for 50 years and they’ll be worth the same amount of issuing currency.

However, there is one major caveat to this.

If the issuing company ever goes out of business, it’s questionable whether or not you would get your money back. This makes intuitive sense — who would give it to you if the company was gone? Luckily, American Express is over 170 years old and is unlikely to go out of business anytime soon.

If they aren’t the company that issued your traveler’s cheques, this may be a concern though.

Can You Still Buy Travelers Cheques?

According to American Express, you can still purchase travelers cheques . However, according to the University of Hawai’i Federal Credit Union, American Express travelers cheques were discontinued as of December 31, 2020. As of this writing, this is the only source I can find about the planned discontinuance.

Travelers Cheques Alternatives

If travelers do go the way of the dodo, there are still other ways to accomplish their purpose. Prepaid travel cards are the 21st century replacement for them. They offer the same advantages while also letting you use them like you would a debit or credit card.

Simply fill them with the amount of currency you want to take with you and use it like a debit card until the funds are exhausted.

Final Thoughts

You should definitely try to hang on to any old travelers cheques you find. If they haven’t already been redeemed, you might have just lucked your way into a small windfall. Even if they have been redeemed, consider holding on to them.

If American Express does discontinue them, you’ll have in your hands a piece of American history!

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How To Cash or Deposit a Cashier’s Check: Your Step-by-Step Guide

  • About Cashier's Checks
  • How To Cash
  • How To Deposit
  • Safety Tips

cash travellers cheques

Cashing or depositing a cashier’s check might seem daunting if you’re unfamiliar with the process. Cashier’s checks, known for their security and reliability, are a common tool in significant financial transactions. Whether you’ve received one for the first time or need a refresher on how to handle them, this guide outlines a straightforward, step-by-step approach to ensure you can cash or deposit your cashier’s check smoothly and efficiently.

What Is a Cashier’s Check?

A cashier’s check is a check guaranteed by a bank, drawn on the bank’s own funds and signed by a cashier. This type of check is used in transactions where the payee requires assurance that the check will not bounce. It is often preferred for large purchases or significant financial transactions due to its high level of security and credibility.

How To Cash a Cashier’s Check

Cashing a cashier’s check can be a simple process when you know the right steps to follow.

  • Visit your bank or credit union: The simplest way to cash a cashier’s check is to go to a bank or credit union where you have an account. Banks usually offer this service free to account holders.
  • Inform the teller of your intentions : When you’re at the bank or credit union, let the teller know that you wish to cash the check. This is important, especially if you’re looking to receive the funds in cash rather than depositing them into your account.
  • Provide identification: You’ll need to provide identification, such as a driver’s license or passport, to verify your identity.
  • Endorse the check: Before you can cash it, you must endorse the cashier’s check by signing the back of it.

How To Deposit a Cashier’s Check

Depositing a cashier’s check is similar to depositing any other type of check. Here are some steps you can follow:

  • Visit your bank or use mobile deposit : You can deposit the check by visiting your bank branch or using a mobile deposit feature if your bank offers it.
  • Choose the right account: You can deposit a cashier’s check into a checking account or savings account. If you don’t have an account suitable for the deposit, consider opening an account that aligns with your financial needs.
  • Fill out a deposit slip: If depositing at a bank, you’ll need to fill out a deposit slip.
  • Endorse the check : Before depositing the check, endorse it by signing the back. This step is crucial to authorize the transaction.
  • Keep receipts and track the deposit : After depositing the check, make sure to keep the receipt for your records. It’s also wise to monitor your account to ensure the funds are properly credited. If using mobile deposit, follow any instructions provided by the app to confirm the deposit.

Cashier’s Check Safety Tips

When dealing with cashier’s checks, it’s important to be vigilant to avoid fraud. Here are some safety tips to know.

Verify the Check’s Authenticity

Verifying a cashier’s check’s authenticity is a crucial step in ensuring its legitimacy. If you receive a cashier’s check, especially for large transactions or from unfamiliar parties, it’s wise to contact the issuing bank directly.

Confirming the check details, such as the amount, date and authenticity, can safeguard you against potential fraud. This step is particularly important in transactions where the stakes are high, as counterfeit checks can be quite convincing.

Be Wary of Overpayments

Being cautious of overpayments is essential when dealing with cashier’s checks. If you receive a check that exceeds the agreed-upon amount, with a request to return the excess, be alert. This overpayment tactic is a common scam technique .

Always confirm the correct amount before issuing or accepting a cashier’s check, and be suspicious of any requests to send back funds, as legitimate transactions typically don’t operate in this manner.

Keep Receipts and Records

Keeping detailed records of your cashier’s check transactions is a prudent financial practice. Always store receipts, transaction details and check information until the check is fully cleared and the funds are securely in your account.

This documentation can be invaluable in resolving any disputes or issues that may arise. Maintaining thorough records also helps in tracking your financial transactions and provides a reference for future financial planning.

Knowing how to cash a cashier’s check or how to deposit a cashier’s check into your bank account is a valuable skill in managing your financial transactions. Whether you choose to cash it for immediate funds or deposit it into your savings , checking or CD account , understanding these processes ensures you can handle large transactions with ease and confidence.

  • Yes, you can generally cash a cashier's check instantly at your bank, provided you have an account there and the funds are available. Some banks might require a waiting period for larger amounts to verify the check's authenticity.
  • While cashier's checks can be cashed at most banks, it's usually easier to cash them at the bank that issued the check or where you have an account. Banks may charge a fee for cashing a cashier's check for non-customers.
  • To turn a cashier's check into cash , take the check to your bank or the issuing bank. Bring identification and endorse the check. The bank will then process the check and provide you with the cash.
  • Cashier's checks generally clear faster than personal checks due to their nature as guaranteed funds. However, the timing can vary based on the bank's policies and the check amount. Larger amounts might take longer to clear to confirm legitimacy.

Editor's note: This article was produced via automated technology and then fine-tuned and verified for accuracy by a member of GOBankingRates' editorial team.

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Do I need to take cash to Aruba?


Yes, it is advisable to bring some cash to Aruba for small purchases or in case of emergencies. However, major credit cards and traveler’s checks are widely accepted on the island and it is not necessary to bring large sums of cash, unless you prefer not to use a credit card.

Should you bring cash to Aruba?

There’s no need to bring large sums of cash, unless you’re planning to make big purchases and prefer not to use a credit card.

Should I exchange money before I travel to Aruba?

The currency on the island is the Aruba Florin, but the US dollar is also widely accepted. It is not necessary to exchange money before you travel to Aruba, as using American money in Aruba is common and widely accepted.

What is the best currency to take to Aruba?

Aruba’s currency is the florin, but the US dollar is also widely accepted. Banks also exchange other foreign currency such as Euros. Traveler’s checks are widely accepted and there is normally no charge for using them in hotels, restaurants, and stores.

How much cash can I bring into Aruba?

If you enter or leave Aruba with more than AWG. 20,000,- in cash or securities, or the equivalent thereof in foreign currencies, you must notify this to the Customs Department (Departamento di Aduana). You’ll need a MOT form (Unusual Transactions).

What Is Required To Go To Aruba?

Please refer to the official website of Aruba for the most up-to-date information on the requirements to enter the country.

Should I use cash or card in Aruba?

Yes, most shops, businesses, hotels, restaurants, and other commercial establishments in Aruba will readily accept credit card payments — making it a great way to spend your money in Aruba.

Should I use U.S. dollars in Aruba?

The best currency to take to Aruba is the local currency, the Aruban florin. US dollars are also highly exchangeable at local banks and currency exchange offices.

Can I use my cell phone in Aruba?

Yes, you can use your cell phone in Aruba. It is recommended to connect to either the Digicel or Setar network for Blackberry, iPhone, and Android devices.

How much money do you need a day in Aruba?

On average, a budget traveler can expect to spend around $100 to $150 per day in Aruba, including accommodation, transportation, food, and activities. It’s important to research activities and their costs in advance to create a budget that works for you.

Can you drink water in Aruba?

The water in Aruba is safe to drink, so you can drink the tap water in your hotel room. Aruba distills seawater in a saltwater desalination plant, making it safe for consumption.

What is the best way to pay for things in Aruba?

All major credit cards and traveler’s checks are accepted in Aruba. Personal checks from abroad are not accepted. The exchange rate for US dollars is Afl 1.77 for cash and Afl 1.78 for traveler’s checks. It is recommended to carry a mix of different payment methods for convenience.

What should I buy in Aruba?

Top 10 things to buy in Aruba include fine ceramics, Aruba license plate, Aloe products, gourmet chocolates, jewelry, Dutch cheeses, reusable bags, Mopa Mopa art, and more. These make great souvenirs or gifts to bring back home.

Should you carry your passport with you in Aruba?

As Aruba is a country of the Kingdom of the Netherlands, it is required by Dutch law to always carry identification. It is advisable to carry a copy of your passport with you at all times.

What can I not bring to Aruba?

When going through customs in Aruba, it is important to avoid bringing items such as belts, jewelry, clothing with metal buttons and/or metal in your shoes. Coins, keys, and jewelry must be placed in a tray or in your carry-on baggage. All shoes have to be screened and you will be asked to take them off and put them in a tray.

What is the dress code for Aruba?

The climate in Aruba is tropical, so casual summer clothes will provide the most comfort. For restaurants, casinos, and nightclubs, light evening wear is recommended. Elegant clothes are not necessary for nightlife, and casual silk or linen dresses and slacks are suitable.

Do Aruba taxis take US dollars?

Taxis in Aruba do not use taximeters and have fixed rates for all fares. All fares must be paid in either the local currency of Aruban Florin or in USD. It is advisable to have some cash on hand in case you need to pay for a taxi ride.

Does Aruba take American cash?

Yes, American cash is widely accepted in Aruba. However, it is important to pay attention and make sure you are paying dollar prices and not florin prices when using American cash.

How strong is the US dollar in Aruba?

The exchange rate between the US dollar and the Aruban florin is approximately 1 USD = 1.8025 AWG. Please note that exchange rates may vary and it is advisable to check for the most up-to-date rates before traveling.

Does Aruba have Uber?

No, Uber is not available in Aruba. However, there are other transportation options available such as renting a car or using traditional taxi services.

How do I avoid roaming charges in Aruba?

To avoid roaming charges in Aruba, you can replace your SIM card with a prepaid Aruba SIM card. This will allow you to make phone calls and send text messages at local rates. Ensure that your cell phone is SIM-unlocked and compatible with the 900/1900 MHz frequencies used in Aruba.

Do you tip cab drivers in Aruba?

Tipping in Aruba is not mandatory, but it is appreciated. It is your choice whether or not to tip cab drivers. If you received excellent service, a tip would be a nice gesture.

Do they speak English in Aruba?

Yes, English is widely spoken in Aruba. Most Arubans speak a minimum of four languages, including English and Spanish. English is taught in schools, and many locals are fluent in the language.

Is Aruba expensive?

The cost of living in Aruba is similar to that of the United States. Groceries may be slightly more expensive as most food needs to be imported. However, there are plenty of free and low-cost activities in Aruba, making it possible to have an affordable vacation.

Are things more expensive in Aruba?

Compared to the United States, prices in Aruba can be slightly higher, especially for groceries which are often imported. Prices are typically 5 to 6% higher in Aruba. However, tap water in Aruba is safe to drink, so you can save on bottled water expenses.

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American Express® Travelers Cheques

American Express Travelers Cheques are no longer sold in Canada.

If you have any outstanding Travelers Cheques, please visit our  Travelers Cheque Website or contact +1-800-221-7282 .


  1. Amex Travellers Cheques Uk

    cash travellers cheques

  2. Travellers chèques : de quoi s’agit-il ?

    cash travellers cheques


    cash travellers cheques

  4. Amex Travellers Cheques Uk

    cash travellers cheques

  5. Travellers Cheques

    cash travellers cheques

  6. What is Travellers Cheque? (American Express FAQ)

    cash travellers cheques


  1. Where can I cash Travelers Cheques?

    Welcome to the Help Center Customer Service Travel Frequently Asked Question Where can I cash Travelers Cheques? To find out locations where you can cash Travelers Cheques and how to redeem your Travelers Cheques directly with American Express please click here

  2. American Express Travelers Cheques

    1. Redeem your Travelers Cheques with American Express Travel Related Services Company, Inc(1) You can redeem your Travelers Cheques online(2). Click below to find out more or to register a redemption claim. Redeem Online If you have questions about online redemption, please refer to our FAQ page for more information.

  3. How to Cash in Travelers Checks at a Bank

    Step 1 Go online before you travel and locate the website for the bank that issued your travelers checks. Find out which banks in the city you are visiting will cash them and exchange them...

  4. Traveler's checks, explained

    Traveler's checks used to be a standard way to access cash when you travel. However, these days, they're less popular due to other modern ways of getting the foreign currency you need to pay while you're abroad. Like regular checks, traveler's checks are physical paper documents with a monetary value.

  5. Traveler's Checks When Traveling Abroad

    What Are Traveler's Checks? Traveler's checks are documents that can be used like standard paper checks and cash. Travelers purchase them before they leave home to exchange for cash in the local currency when they arrive at their destination.

  6. American‌ ‌Express‌ ‌traveler's‌ ‌checks:‌ ‌all‌ ‌you‌ ‌need‌ ‌to‌ ‌know

    27.09.21 (updated more than 1 year ago) 8 minute read Traveler's checks have been around for over 100 years, allowing people to prepay for their travel money before departure. Get your American Express traveler's checks at home, then exchange them for the currency you need at your destination.

  7. All about traveler's checks, plus modern ...

    A traveler's check is a paper document you can use for making purchases when you're traveling, typically in other countries. It can be used as cash or a regular check. Traveler's checks—you may also see them referred to as "cheques"—are generally printed with a unique serial number.

  8. Traveler's Check: What It Is, How It's Used, Where to Buy

    Traveler's checks are a form of payment issued by financial institutions such as American Express. These paper cheques are generally used by people when traveling to foreign countries. They...

  9. How to Cash American Express Travelers Checks

    Write the current date in the upper right corner of the travelers check in the designated area, just as you would a personal check. Write the name of the merchant or payee on the "Pay to the Order" line in the middle of the check. Sign the check on the designated line located in the lower left corner. Allow the cashier to witness you signing ...

  10. Visa traveler's checks overview

    Where can you get a Visa Traveller's Cheque from? Visa traveler's checks are issued via participating banks, including¹: Banco do Brasil Chase Manhattan Citicorp Interpayment Services Ltd Sumitomo How long are travelers checks good for? One of the key features of traveler's checks is that they don't usually have any form of expiration date.

  11. How to Cash Travellers Cheques

    1) Your local Post Office Luckily, you can still walk down your high street and into your local Post office to exchange your travellers cheques into cash. The exchange rate you do this at will probably be poor and there may even be associated fees but this is at least a quick and simple solution.

  12. What Are Traveler's Checks & Do People Still Use Them?

    Traveler's checks are paper documents that can be used as a traditional paper check and also like cash. They are intended to aid tourists and are typically used by people on vacation in foreign countries. Issuers print checks in varying denominations, such as $10, $20, or $50, and they are available in a range of currencies.

  13. If You Have Old Traveler's Checks Lying Around, Here's Why ...

    If You Have Old Traveler's Checks Lying Around, Here's Why You Should Cash Them ASAP By Jason Cochran 03/07/2023, 6:15 PM For a long time, the standard advice about traveler's checks has been conditional: You can still buy them, but be prepared for them to be refused at many places.

  14. What to Do With Old Travelers Cheques (Don't trash them)

    While it's possible to cash the traveler's cheques of a dead person, you have to make sure that you have the right to do so — this usually means being the executor of that person's estate. This is more complicated than simply proving you're related to someone — other heirs may have equal or greater rights to the estate.

  15. Using travellers cheques abroad: the pros and cons

    The key advantage of travellers cheques is that they are safer to carry around than cash. Provided you have noted down the serial number of each cheque you were originally issued, you will be able to get them replaced should they be stolen or lost. Remember to keep your note of the serial numbers separate from the cheques themselves.

  16. Visa Travelers Cheques for Consumers

    DO NOT ENCASH TRAVELERS CHEQUES FOR THIRD PARTIES WHO ARE NOT KNOWN TO YOU. Secure and convenient travel solutions Visa offers convenient and innovative solutions to help you travel securely. Mobile Location Confirmation Service More convenience and security: eliminate the need to notify your bank about your travel plans.

  17. Travellers Cheques

    How do I cash Travellers Cheques? Where can I use Travellers Cheques? Where do I sign Travellers Cheques? What happens if I sign the Cheque in the wrong place, or my signatures don't match? When do I fill out the date on my Travellers Cheque? Is there a fee to cash Travellers Cheques?

  18. About Online Travelers Cheques

    Our exchange rates for payments made by American Express in currencies other than the Travelers cheque currency are based on interbank rates selected from customary industry sources plus 2.5% margin on the business day the refund payment is processed. We call this conversion rate the 'American Express Travelers Cheque Settlement Rate'.

  19. Travellers Cheques: Visa & Mastercard

    All follow up enquires for our services can be sent. By email: [email protected]. By telephone: +44 (0) 1733 279865 (Interpayment Visa) Option 2. +44 (0) 1733 279760 (Travelex, Thomas Cook Mastercard) Option 2. Alternatively, please review our Frequently Asked Questions below.

  20. Travelers Cheques

    2. Deposit your Travelers Cheques with your bank Some banks allow account holders to deposit Travelers Cheques - including foreign currency Travelers Cheques - to their bank account. Please check with your bank if they allow deposit of Travelers Cheques. Clearing fees may apply. 3. Exchange your Travelers Cheques for Local Currency

  21. How To Cash a Cashier's Check: Your Step-by-Step Guide

    Cashing or depositing a cashier's check might seem daunting if you're unfamiliar with the process. Cashier's checks, known for their security and reliability, are a common tool in significant financial transactions. Whether you've received one for the first time or need a refresher on how to handle them, this guide outlines a straightforward, step-by-step approach to ensure you can cash or ...

  22. Visa Travellers Cheques

    Keep cheques safe. What to know when using Visa Travellers Cheques. Be as careful with your cheques as you would be with cash. Do not countersign the cheques until you want to use them. Keep your purchase agreement separate from your cheques. Write down cheque serial numbers and emergency contact numbers for your destinations and keep them ...

  23. Do I need to take cash to Aruba?

    All major credit cards and traveler's checks are accepted in Aruba. Personal checks from abroad are not accepted. The exchange rate for US dollars is Afl 1.77 for cash and Afl 1.78 for traveler's checks. It is recommended to carry a mix of different payment methods for convenience. What should I buy in Aruba?

  24. Travelers Cheques

    Redeeming your Travelers Cheques. 1. Redeem your Travelers Cheque with American Express Travel Related Services Company, Inc. You can call American Express customer service at ( 050-855-5358) to register a redemption claim (1). You can find additional contact numbers based on your location.

  25. Travelers Cheques

    American Express® Travelers Cheques. American Express Travelers Cheques are no longer sold in Canada. If you have any outstanding Travelers Cheques, please visit our Travelers Cheque Website or contact +1-800-221-7282. Travelers Cheques Service Centre. Get help with your Travelers Cheques and find answers to common questions about them.