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How to leave with cash or get it abroad?
That's it, after months of limited travel, the borders are opening again and you are planning to explore the world.
Before your departure, you can opt for a cash withdrawal to pay for your purchases on site.
You must then go to your bank or an exchange office.
Depending on the currency you need, it is essential to warn your bank a few days in advance so that it can have the requested amount.
To obtain foreign currency exceeding € 1,000, an identity document will be required.
Good to know: The declaration of currencies or euros withdrawn before your departure
If you are traveling with an amount of currency or euros greater than € 10,000, you must declare this amount to customs.
You can change your euros into local currency upon arrival in your destination country, but be aware that exchange offices may charge higher fees.
As a general rule, it is advisable to plan your budget as best as possible to avoid ending up with a large number of currencies at the end of your stay.
Otherwise, find out about the exchange, because some currencies are only exchangeable in the country where they were issued.
How are withdrawals and purchases made by bank card abroad?
You do not have to leave with or withdraw currency at the airport.
You can also decide to withdraw money or make your purchases abroad directly with your bank card.
This saves you from traveling with large sums of money throughout your trip.
However, be aware that withdrawals and purchases made in a foreign country may incur fees and commissions.
The rule is as follows:
Payments and withdrawals are invoiced under the same conditions as in France in all countries belonging to the euro zone;
Fees and commissions apply in countries outside the euro area.
These vary depending on the credit card and the bank.
Regarding withdrawals and purchases made in a Member State of the European Union located outside the euro zone, your banker has a duty of prior information so that you can know precisely the amount spent.
Since April 19, 2020, for each withdrawal or purchase made with your credit card, it must tell you:
The latest exchange rate from the European Central Bank (ECB);
Currency conversion costs, namely the margin applied to the exchange rate;
The amount of the transaction carried out in the currency of the country where you are traveling and in euros.
This free information, sent by SMS or in your customer area, allows you to have better control of the budget allocated to your trip.
What are the rules applicable to transfers from or to abroad?
Transfers made from and to abroad may generate fees and commissions depending on the country of origin and recipient.
For transfers made between countries in the European Economic Area, SEPA transfers in euros are billed under the same conditions as a national transfer.
In addition, the turnaround time is one working day.
Good to know: Which countries are in the European Economic Area (EEA)?
The EEA comprises the 27 member states of the European Union as well as three of the four countries of the European Free Trade Association: Liechtenstein, Norway and Iceland. Switzerland is not part of the EEA.
For transfers made from and to countries outside the EEA, fees and commissions are applied by banking establishments.
Longer lead times should also be expected.
For transfers made from your bank's personal space or your mobile application in the local currency of an EU Member State outside the euro zone, your bank has an obligation to provide information.
Since April 19, 2020, it must communicate to the sender of the transfer the estimate of the currency conversion costs and the estimated amount of the transfer.
Many solutions therefore exist for making payments abroad.
However, it should be borne in mind that your payments abroad can sometimes cause significant costs and commissions to be included in your travel budget.
To make your life easier, some banks integrate them directly into their offers.
This allows you to make substantial savings and travel with peace of mind.
This is the case with the Globe Trotter by CA offer reserved for 18-30 year olds.
Globe Trotter by CA: a multitude of services associated with your bank card
This offer includes the following services:
Returning your confidential code in the event of loss;
The remanufacturing of your Mastercard in the event of loss or theft;
The activation or deactivation of your remote payments;
Support for direct debits, SEPA transfers, TIP online or at a branch.
Unlimited issuance and reception of non-SEPA transfers.
Good to know:
Subject to acceptance by your Regional Bank, the Globe Trotter offer allows you to have a checkbook on request from your branch.
Request your account opening
Helpful assistance and insurance for travelers
The Globe Trotter by CA offer is particularly suitable for occasional or regular travelers for peaceful journeys.
With the Mastercard, you benefit from
assistance services for all the trips you make
.
In addition, if the payment of your plane tickets is made with this bank card, you are covered by
death and disability insurance, regardless of your destination
.
Request your opening
Easy withdrawals and payments in France and abroad
The Globe Trotter by CA offer has been designed to make life easier at home and abroad in order to travel with complete peace of mind thanks to the many services included in this innovative offer.
Withdrawals made in France or around the world are included in the offer
within the limit of the withdrawal limit set.
You also benefit from a
large cash withdrawal limit of up to € 300 over a period of seven consecutive days
in all countries.
The Globe Trotter by CA offer also includes the costs incurred by payments made in France and abroad up
to the limit of your card limit as for withdrawals.
Finally, to allow you to take full advantage of your travels
, the payment card limit is € 1,500 per month
for your purchases in France and around the world.
Good to know: transactions carried out abroad are recorded in euros
Whether it is for a withdrawal or a payment by card, the current exchange rate is applied. The amount withdrawn or paid appears in euros on your account.
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Account management made easy
With your Crédit Agricole Personal Space or your My Bank application, it is possible to carry out banking transactions with ease and autonomy.
This allows you to:
Consult all of your accounts;
Make transfers;
Define expense categories for good budget management;
Consult your bank statements;
Edit a bank identity statement (RIB);
Make an appointment with your advisor.
Good to know:
the My Card application allows you to manage the card's functionalities,
such as changing withdrawal limits from time to time and making remote payments.
Finally, Crédit Agricole provides you
with alert systems
:
When your account becomes debtor or whenever the debt situation of your account increases;
If transactions, such as a check or direct debit, are likely to be rejected for a lack of funds on your account;
To come and collect your means of payment at the agency.
Good to know: Crédit Agricole advisers are at your service
By subscribing to the Globe Trotter by CA offer, you have access to the Crédit Agricole branch network. You can choose the agency that best suits you among the 7,000 located throughout France. Their advisers are available to guide you in managing your account and assist you in all your projects.
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An attractive cost
All of these services are available for only € 2 per month.
To summarize, at this price, you therefore have access to:
An international Mastercard payment card with immediate debit;
Insurance and assistance to cover you when traveling around the world;
Unlimited and free withdrawals from ATMs in all countries;
Unlimited and free payments wherever you are;
Unlimited and free transfers received or issued and many other services.
The Globe Trotter by CA offer is therefore an essential ally both for your daily life and your trips abroad.
By subscribing to this offer, you benefit from all the services of a major bank at a lower cost.
To subscribe to the Globe Trotter by CA offer, nothing could be simpler.
All you need to do is go to the Crédit Agricole website and
request an account opening in less than 15 minutes
.
The request will be processed within 48 hours and you will then be able to benefit from all the advantages.
It is also possible to go to a branch and subscribe to a Crédit Agricole advisor.
Request your account opening online
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The editorial staff did not participate in its realization.
The prices mentioned in this article are indicative and are subject to change.
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