In episode 144 of the UK Travel Planning Podcast, Tracy dives into one of the most common concerns for travellers—how to handle money in the UK. From using cash, credit, and debit cards to the ease of contactless payments, she shares essential tips to ensure a smooth experience.
Learn about UK currency, the best travel-friendly cards, ATM usage, and key money management strategies. Plus, Tracy answers listener questions to help you feel confident about spending while exploring the UK!
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Episode 144 – Summary
Concerned about managing money while visiting the UK? In this episode we share tips and insights into using cash, credit, and debit cards, as well as the pros and cons of contactless payments. We provide a comprehensive walkthrough of UK currency, card usage, and essential money tips for a hassle-free travel experience.
We also go into detail about the British pound sterling, the best types of cards to use, and the nuances of spending with Scottish and Northern Irish banknotes. The episode also discusses ATM withdrawals, exchange rates, and the benefits of using travel-friendly cards. We round off by answering listener questions and offering practical advice on managing finances during UK travel.
What you’ll learn in this episode
- Understanding UK Currency:
- Insights into the British pound sterling and the transition to polymer notes.
- Using Cash in the UK:
- When it’s beneficial to use cash and when it’s best to rely on cards.
- Credit and Debit Cards:
- Essential do’s and don’ts for using cards in the UK.
- The importance of notifying your bank and understanding transaction fees.
- ATM Withdrawals and Exchange Rates:
- Tips on making cost-effective ATM withdrawals and finding the best exchange rates.
- Best Cards for Travel:
- Recommendations for travel-friendly credit and debit cards like Wise and Revolut.
- Listener Questions Answered:
- Practical advice on bringing multiple payment methods and why it’s essential.
UK places, foods and words/concepts mentioned
Words / Concepts
- British Pound Sterling – currency used in the UK, abbreviated as GBP
- Polymer notes – the only legal tender banknotes in the UK
- Scottish banknotes – legal throughout the UK but may face hesitance
- Northern Irish banknotes – rarer and cannot be used outside Northern Ireland
- Visa and Mastercard – widely accepted card types in the UK
- American Express – less commonly accepted outside major cities
- Revolut – preloaded card option for competitive exchange rates
- Wise Card – preferred card by hosts for travel with low fees and competitive exchange rate
Related content on UK Travel Planning and London Travel Planning
Podcasts
- Episode 132 – London 2025: 12 Essential Tips for Planning your Perfect Trip
- Episode 47 – Practical Tips for visiting the UK
- Episode 7 – Tips for first time visitors to England
Articles
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