How to Protect Your Money When You Travel

Everyone loves to travel! It’s a refreshing break from the routine that we have to go through on a daily basis. We usually make some time to plan our yearly vacations with our friends, families and loved ones to our dream destinations. Some travel to relax, some travel to enjoy, some travel to learn, some travel to shop and some travel just to take a break from their daily grinds.

As travelers and as visitors to new places, we’re often not that knowledgeable about some basic things about a certain place. We are not familiar with the transport system, with the language, and we barely can navigate our way without the help of our maps. And because of this fact, we travelers are very susceptible to some minor crimes such as theft and bag snatching. A lot of these kinds of crime happen in very crowded and touristy areas and also around the shopping areas. A lot of these perpetrators target tourists since they know that a lot of tourists are carrying money allotted for sightseeing, shopping and other leisure activities.

It’s just imperative that before we leave our homes, we equip ourselves with knowledge on how we could protect ourselves from such situations.

How to Protect Your Money When You Travel

Here are some helpful tips on how you can protect your money when you travel:

1. Don’t Flash Your Valuables – Leave your jewelries at home especially the most expensive ones unless of course if you’re a luxury traveler and won’t be commuting to various places in your destination. Avoid wearing expensive jewelries and other items when walking on unknown streets or when visiting very crowded areas.

2. Be Careful With Your Bag – Put your bag in front of you when taking trains or walking in very crowded areas especially if you’re carrying expensive items on your bag such as your smart phone, wallet, camera etc.

3. Put You Money in Different Pockets – Don’t put everything you have in one pocket so in case you lose some, you’ll have some money left.

4. Use Money belts – When taking a long bus ride, I use my money belt to store my passport, cards and a few cash. I leave a few bills on my wallet which I use to purchase food and drinks along the way. I can sleep soundly when I know that my passport and cards are in my money belt.

5. Don’t Put Your Bag in the Bike’s Basket – There are some cases in some areas of Southeast Asia when the bags were snatched from the bike’s basket. I even saw one when the tourist tried to hold on to her bag and got dragged by the motorcycle. Wear your day bag in front of you when you take a bike ride and leave your valuables in your hotel’s safe. Just carry enough cash that will cover your expense for the day.

6. Lock Your Bags – When taking a long bus ride, make sure to lock your bags as well. There are some cases of theft in overnight buses and it won’t be much of a hassle to be extra careful.

7. Be Informed – Before you even leave for your next destination, search the internet about the possible scams and dangers on your next destination. The best way to avoid losing money from these kinds of situations is being informed.

8. Be Careful With Exchanging Money – There are some cases of fraud in some dodgy money exchange shops wherein the shop attendant usually takes some money after counting what you’re supposed to get. Make sure to count your money before leaving money exchange shops.

9. Use RFID Blocking Wallet – I just recently bought one for this trip as I’ve read some cases of identity theft and people losing money because their cards got scanned without them knowing. RFID wallets are built o block these scanners from getting your personal and financial information.

10. Use VPN and only transact online using a secure connection – Most of us use public wifi in our hotels, at airports, restaurants, cafes, and to almost everywhere we go. Avoid or minimize doing financial transactions online such as purchasing tickets, paying for your next hostel if you’re not on a secure connection. Unsecured connections are very susceptible to hackers and online scammers. If you want to add an extra layer of protection, I do recommend that you use a VPN service.

Do you have additional tips or recommendations? Feel free to share it in the comment section below.


Photo Credits: Money by JollyUK


  1. Great tips! I have a money belt but don’t wear it too often because it interferes with my backpack’s waist belt.

  2. I hate using money belts, but I have one on every travel day for piece of mind. I know that if I get mugged it will most likely be taken from me, but at least I wont lose it or get pick pocketed.

    ALWAYS use a VPN when traveling! Otherwise your just giving your information away.

    • same here, wearing a money belt is not something I look forward to but it does makes me feel more comfortable and safe.

  3. great tips!

  4. Good tips, I don’t like to carry much money around with me when I travel. I have a card that is free to withdraw cash from an ATM, so I just carry enough cash for a couple of days.

  5. When I am staying in a room with a television or some other large electrical appliance (such as an air conditioner), I will remove the rear panel and deftly stash some cash so that I needn’t carry it on my person when I wish to stroll around outside. Also, I may duct-tape a wrapped bundle of currency behind a decorative wall hanging or underneath some large piece of furniture or even underneath the toilet tank lid. One should avoid concealing cash in obvious locations (underneath a mattress, atiop a ledge, in a book, etc.).

    • wow great tips. haven’t thought of sticking some valuables behind appliances and in some wall decors!!! 🙂 Thanks!

  6. Alex | Partial Parallax says:

    Some very good points to keep in mind when travelling and a lot of points people often forget. I was not aware you could get RFID blocking wallets but that is definitely one thing I will look into.

  7. Good tips! We also got a currency card that converts our funds from our British bank account to US dollars when we’re in the USA so we don’t have to pay high bank fees to take out cash. We can use it like a debit card too (minus the fees) so we don’t have to carry large amounts of cash around.

  8. Alainsojourner says:

    I’m a victim of #8. Not proud. :))

  9. #1 and #3 are very helpful. I think that travelers should always separate their money. ‘Don’t put all of your eggs in one basket’.

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