money - atms - trav cheques - visa electron

Am concerned regarding access to cash when in WDW for first time.

We have a credit card (with small limit) for emergencies

We have a Halifax Visa Electron debit card for our every day account here in UK - will we be able to withdraw cash from ATM%26#39;s in US as we do here?

What about travellers cheques? - have been told it works differently in US?

money - atms - trav cheques - visa electron

As long as the debit card contains a Visa/Mastercard logo you should be able to get money however you will pay a fee to withdraw the money plus an exchange fee.

Travelers checks work just like cash, you use them to pay and sign them at the time of purchase and then you will receive change back in dollars.

money - atms - trav cheques - visa electron

check with your bank but i do know that canadian banks allow you to use your debit card Point of sales and you can get cashback on your purchases from most department stores or grocery store. You do need to make sure that your account is listed under chequing. The states do not have the choice that we do. The fee for this is much lower than withdrawing from a bank machine. (should be less than $1)

Visa Electron is not the standard visa debit so might not work. You have to check this with your HBOS as my 13 year olds electron card from HBOS does not work but our standard visa debit do. This of course was a great excuse to %26#39;borrow%26#39; money from me.

Debit card transactions are a very expensive way to get money as HBOS stiff you with charges for every transaction, and, the US bank will normally add a $2.50 fee.

Travellers cheques from HBOS work as cash - you hand over say $100 in a restaurant or store and are given change. Some places are asking for id but acept a drivers licence. Golden Coral is no longer accepting traveller cheques but you wouldnt want to eat there anyway.

Unlike Europe where you have to exchange your travellers cheque, and then get stiffed in fees, there is no need to do this, they are accepted as cash at face value and by far the best way to buy.

Credit cards get a good rate of exchange and to be fair to HBOS they are not too bad with fees here.

Take American Express travellers cheques from HBOS, some cash and your credit card and you will be fine.

Hi we opened a nationtion wide account put all our holiday money in it,,they dont charge for with drawals, thats why we dont use our halifax cos they do,also we take our halifax visa, they charge for paying for goods but you dont notice it when you get the bill.we dont get travellers checks because there are so many atm.nationtion wide do a great rate to pound. i recomend you open one they are so much better, you save a fortune on charges..We used our card to pay for things as well and did not get charged.there are atm,s in disney world, also hotels..we go 6 oct to 4 nov cant wait.hope this as helped you angiexx

open a Nationwide current account, you will get a visa debit card,

you can use it anywhere you like with no hidden charges and the same exchange rate the as the bank gets.

used ours in Ireland a month ago got 1.50 euro to the pound instead of 1.44 just by using the nationwide card.

bloody Marvellous.

unfortunately i have a poor credit rating (thanks to a messy divorce) which although its now almost 5 years ago wont fall off my history for another 12 months I believe so its hard for me to open a current account with all the usual facilities so nationwide is a no go.

I use travellers cheques when in the US. They are really easy to use. I exchange my money in the UK for Travellers Cheques in Dollars. Then when on holiday just take the amount i need for the day and use them like you would cash. As long as you have some I.D. with you (passport, driving license) its easy.

If you have the cash to put in the bank you should be ok.let them no its for holidays ,show them the credit card as well.my partner does not have good credit rateing but they let him open an account.have a try.angie

PPOW..Have sent you a pm.

i to have poor credit rating through matters in the past but managed to open a abbey account and i use my visa electron card in orlando no bother in shops and at atm.............. this might help .hope all are well today take care everyone

chelly1 x