西北阿肯色社区学院

It's worth the time to familiarize yourself with the local 货币 used in your study 国外目的地. Make note of the type of curency and denominations, and the exchange 对美汇率.S. 美元. Taking a few minutes to learn about the 货币 can make it easier to understand how much you are spending on your various purchases.

In many countries you can use your debit card at an ATM and withdraw cash in the local 货币. Usually, you will get a good exchange rate, but you need to be aware of the following 费s which you may be occur each time you withdraw 钱 from an ATM 在国外:

• 您银行的国外ATM机手续费
• 国外ATM机的手续费
• 货币兑换费

You should also be aware that your bank has a limit on the amount of 钱 you can 每日提款. Contact your bank and inquire about their ATM 费s, understand your daily withdraw limit, and get a sense of how easy it will be to find an ATM where 你会学习. You may also want to inform your bank that you will be traveling as some banks may become alarmed when they notice foreign activity on your account and freeze your funds until they can ensure that it is you who is withdrawing the 钱.

In many countries you can use major credit 卡片 as a convenient way of paying for 项目. Most credit 卡片 offer the added security of not holding you liable for fraudulent 指控.

Depending on your credit card, you may be charged certain 费s when using it 在国外. It’s important to contact your credit card 公司 and inquire about these 费s. 一些 常见费用包括:

• A conversion 费 for each purchase (usually 1-3% of the purchase price)
  
• Cash advance 费 and interest rate (for withdrawing cash through an ATM)

Make sure to inform your credit card 公司 that you will be traveling as some companies may become alarmed when they notice foreign activity on your account and may freeze your card until they can ensure that it is you who is withdrawing the 钱.

In some countries, credit 卡片 are used much less frequently than they are in the US. Ask your program director what types of businesses are likely to accept credit 卡片. You may also want to see how easy it would be for you to use your credit card 在国外. Mastercard and Visa offer tools to help find ATM machines 在国外 that work 他们的系统.

 

Countries in Europe use 一个芯片 and pin system for credit and debit 卡片 issued in 他们的国家. It is a more secure way of paying with credit or debit 卡片. Instead of using your signature to verify payments, you will be asked to enter a four-digit Personal Identification Number (PIN) known only to you.

You may encounter some challenges 在国外 trying to use a standard US credit card without 一个芯片. It may be possible to get 一个芯片 and pin card from your current credit card 公司. 

Although not as widely accepted as credit or debit 卡片, traveler's checks are still used and provide users with the following benefits:

• Traveler's checks may be refunded if lost or stolen.
• Traveler's checks are not tied to your bank account or personal information, so your 身份不能被窃取.
• Traveler’s checks can be purchased through many banks and through AAA for a small 费. 一些 banks overseas charge a 费 for each check cashed so you may want to get 大面额的.

西部联合电报公司 provides international service and allows you to receive 钱 at a foreign bank or post office directly from your family in only a couple of days.

速汇金 还有别的汇款方式吗. 你可以访问 速汇金 agent location (such as some Wal-Marts) and send 钱 to banks all over the world. 你也可以在网上汇款.

Determining the amount of 钱 you will need during your stay 在国外 can be difficult, especially if you are a first time traveler. Different countries have different standards 以经济为基础的生活.

First, try to find out the cost of living expenses in the 国家 that you are visiting, such as transportation fares, rent, products, etc. 向你的项目寻求建议 director and from students who have been through the same program or been in the same 国家.

Finally, it is recommended that you budget 多出20% than what you think you will need as it will help you in unexpected situations such 如丢失或被盗的钱或物品. You should be prepared to cover unanticipated expenses that may come up during travel due to incidents such as canceled flights, missed flights 转机、行程变更等.