Safest Ways to Carry Money While Traveling Internationally

By Thomas

Jun 03, 2025

In Travel Security

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Traveling internationally is an exciting adventure, filled with new experiences and unforgettable memories. However, it also presents unique challenges, especially when it comes to safeguarding your money. Pickpockets, scams, and theft are unfortunate realities in many tourist destinations. That's why knowing the safest ways to carry money is crucial for a worry-free trip. This guide provides comprehensive strategies and practical tips to help you protect your finances while exploring the world.

Why Protecting Your Money Matters

Losing your money while traveling can quickly turn a dream vacation into a nightmare. Not only does it disrupt your plans, but it can also lead to significant stress and potential financial hardship. Imagine being stranded in a foreign country without access to funds for accommodation, food, or transportation. Therefore, taking proactive measures to secure your money is paramount.

Understanding the Risks: Common Travel Theft Methods

Before diving into solutions, it's essential to understand the common tactics used by thieves targeting tourists. Awareness is your first line of defense.

• Pickpocketing: This is one of the most prevalent forms of travel theft. Skilled pickpockets can discreetly remove wallets or phones from bags or pockets without you even noticing.
• Bag Slashing: In crowded areas, thieves may slash open bags or backpacks to grab valuables.
• ATM Scams: Criminals may tamper with ATMs to steal card information or place hidden cameras to record PINs.
• Distraction Techniques: Thieves often work in groups, using distraction techniques to divert your attention while an accomplice steals your belongings.
• Hotel Theft: While less common, theft from hotel rooms can occur. Never leave valuables in plain sight, and always use the hotel safe when available.

Top Methods: Hidden Wallets and Money Belts for International Travel

One of the most effective ways to carry money safely is to keep it concealed. Hidden wallets and money belts are designed for this purpose.

• Money Belts: These are worn around your waist, under your clothing, and are ideal for storing larger amounts of cash, credit cards, and important documents. Look for money belts made from RFID-blocking material to protect against electronic theft.
• Neck Wallets: These wallets hang around your neck and are tucked inside your shirt or blouse. They are discreet and easily accessible, making them suitable for carrying smaller amounts of cash and identification.
• Leg Wallets: Strapped around your calf, leg wallets are virtually undetectable and offer a secure way to carry emergency funds.
• Bra Stash: Specifically designed for women, bra stashes are small pouches that attach to your bra, providing a discreet and secure hiding spot for cash or cards.

Pro Tip: Divide your money into multiple hidden locations. This way, if one hiding spot is compromised, you won't lose everything.

The Convenience of Travel Cards: Prepaid and Credit Card Strategies

Carrying large amounts of cash can be risky, drawing unnecessary attention. Travel cards offer a safer and more convenient alternative.

• Prepaid Travel Cards: These cards can be loaded with a specific amount of money before your trip. They are widely accepted and can be used for purchases and ATM withdrawals. Prepaid cards limit your risk to the amount loaded onto the card and are not directly linked to your bank account.
• Credit Cards with Travel Benefits: Opt for credit cards that offer travel insurance, fraud protection, and no foreign transaction fees. Inform your bank of your travel dates to prevent your card from being blocked due to suspicious activity.
• Debit Cards: While debit cards can be used for ATM withdrawals, they are directly linked to your bank account. Use them sparingly and be cautious when withdrawing cash from unfamiliar ATMs. Always cover the keypad when entering your PIN.

Digital Payments: Mobile Wallets and Contactless Transactions for Secure Spending

In many countries, digital payments are becoming increasingly popular. Mobile wallets offer a secure and convenient way to pay for goods and services.

• Apple Pay, Google Pay, and Samsung Pay: These mobile wallets use tokenization to protect your card details. Instead of transmitting your actual card number, they generate a unique token for each transaction.
• Contactless Payments: Look for contactless payment options wherever possible. They are faster and more secure than traditional card swipes or insertions.

Security Tip: Enable two-factor authentication on all your mobile wallets and banking apps for an extra layer of security.

Smart Cash Handling: Minimize Risks and Maximize Safety on the Road

Even with the best precautions, it's essential to practice smart cash handling techniques.

• Carry Only What You Need: Avoid carrying large amounts of cash. Plan your expenses and only carry what you need for the day.
• Use Smaller Bills: When paying with cash, use smaller bills to avoid drawing attention to a large wad of money.
• Be Aware of Your Surroundings: Pay attention to your surroundings and avoid displaying money in public places.
• Avoid Counting Money in Public: Find a discreet place to count your money, such as inside a store or your hotel room.
• Secure Your Bags: Keep your bags close to you and never leave them unattended. Use bags with zippers or closures that are difficult for thieves to open.

Essential Gadgets: RFID Blocking and Anti-Theft Bags for Peace of Mind

Technological advancements have led to the development of various gadgets designed to protect your money and personal information.

• RFID-Blocking Wallets and Sleeves: These protect your credit cards and passports from electronic theft by blocking RFID signals.
• Anti-Theft Bags: These bags are designed with features such as slash-resistant materials, locking zippers, and hidden compartments to deter thieves. Brands like Pacsafe are known for their quality anti-theft bags.
• Portable Safes: If you're staying in accommodation without a safe, consider bringing a portable safe to secure your valuables.

Protecting Your Identity: Safeguarding Important Travel Documents

Protecting your identity is just as important as protecting your money. Losing your passport or other important documents can be a major hassle.

• Make Copies of Your Documents: Before you leave, make copies of your passport, driver's license, and credit cards. Store these copies separately from the originals.
• Store Digital Copies Securely: Scan your documents and store them securely in the cloud or on a password-protected device.
• Keep Your Documents Secure: Use a secure travel wallet or document organizer to keep your documents safe and organized.
• Inform Your Bank and Embassy: In case of theft, immediately inform your bank and your embassy or consulate.

Travel Insurance: Your Safety Net in Unexpected Situations

Travel insurance is an essential investment for any international trip. It can provide coverage for medical emergencies, trip cancellations, and lost or stolen belongings.

• Choose a Comprehensive Policy: Look for a travel insurance policy that covers theft, loss, and damage to your belongings.
• Read the Fine Print: Understand the terms and conditions of your policy, including any exclusions or limitations.
• Keep Your Policy Information Handy: Carry a copy of your travel insurance policy with you and store a digital copy on your phone.

Staying Vigilant: Situational Awareness and Avoiding Tourist Traps

One of the best ways to protect yourself from theft is to be aware of your surroundings and avoid tourist traps.

• Be Aware of Your Surroundings: Pay attention to your surroundings and avoid walking in dark or isolated areas.
• Trust Your Instincts: If something feels off, trust your instincts and remove yourself from the situation.
• Avoid Tourist Traps: Be wary of areas that are known for attracting tourists, as these are often hotspots for pickpockets and scams.
• Learn Common Scams: Research common scams in the areas you'll be visiting so you can recognize and avoid them.

Conclusion: Planning for Secure International Money Management

Protecting your money while traveling internationally requires careful planning, vigilance, and the right strategies. By following these tips – from using hidden wallets and travel cards to practicing smart cash handling and staying aware of your surroundings – you can minimize your risk of theft and enjoy a safer, more enjoyable travel experience. Remember, a little preparation can go a long way in safeguarding your finances and ensuring peace of mind on your next adventure.

Disclaimer: This article provides general information and should not be considered financial or legal advice. Consult with a qualified professional for personalized recommendations.