which one bring the highest rate of currency converter when u travelling?

a.convert at home b.convert away c.using credit card d.withdraw at away ATM

Public Comments

1. Varies. If you live in a country that doesn't have a freely convertable currency, then converting at home may be your only option. If you're travelling to a country with a major currency (Euro Area, USA), then converting at home may be cheaper. If you're travelling to a country with a lesser-converted currency, changing while away at a money changer may be better. Using credit cards or ATMs can be trickier, especially since many companies charge additional fees for using your card abroad. I'd need more details about where you're coming from and where you're going to give a better answer.
2. Go with D. Most countries have and "on shore" and "off shore" exchange rates. The local rate is usually better. U.S. credit card companies are charging a minimum of 1% for all foreign transactions and up to 6% that I know about. Credit cards are ideal in case of an emergency but I recommend using cash as much as possible. As far as foreign ATMs go they are there and convenient but remember that banks in the US are charging a 1% foreign transaction fee. plus any ATM fees your bank charges. My best suggestion here is to take your ATM card and your passport and go to the exchange window at the foreign bank. You will not avoid the 1% charge but you can avoid the ATM fees and you can withdraw up to your daily PURCHASE limit instead of just the daily WITHDRAWAL limit. This is usually a difference between $500 at the ATM and $2500 - $3000 daily purchase limit.