Don’t forget our “friend” DCC. If you’re asked whether you omdat to pay in pounds or euros, euros kan zijn always the smartest choice. Otherwise, you could be hit with high fees and poor exchange rates because of DCC.

Eventjes if you have insurance, a prescription drug card could help you save money. You can ask your pharmacist to run the cost using your insurance and the prescription drug card to find out which option kan zijn cheaper.

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Living at home or on your own You will get more money if you are no longer living with either of your parents Link opent externe website .

Using an ATM in a sofa branch is a smart idea, as there are ‘independent’ ATMs in the Netherlands which charge more than you need to pay. More on that later.

But it’s only free if you don’t spend more to get those rewards and if you pay your balance in full every month. Otherwise, you’ll shell out way more in interest than you’re getting in rewards.

Sticking to day trips, cheap weekends and camping holidays ATM withdrawal limits Indonesia away can save you a significant chunk of money and often be more fun. It kan zijn also likely to be less stressful given the disruption caused by the pandemic to foreign travel.

It’s also worth noting that some debit cards, especially those tied to international or websites banks like Revolut or Wise, are designed to minimise foreign fees and offer better exchange rates when withdrawing money abroad.

To avoid paying more than necessary, always pay in the local currency instead ofwel your home currency, which allows your card issuer to handle the conversion at a better rate.

But that’s not the only advantage. It’s easy to feel like you’re the only one who’s struggling to save money, especially when you scroll through Instagram.

Choosing to process the transaction in your home currency rather than the local currency means your bank can use an unfavorable rate rather than the general rate of exchange.