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From Times Online

April 24, 2008

Your Top 10 questions about holiday money

Credit card charges and dodgy exchange rates are only the half of it - here's how to spend wisely on your next holiday

Buying a beer with another currency. man buying a beer with Euros

Ginny McGrath

1. Best rate on credit card purchases abroad - Fred Sommers from Eversley wants to know whether to take the local currency or Sterling option when he's paying by credit abroad

2. How to reduce cash fees abroad - John Adsett gets charged a transaction fee of £1.50 when withdrawing money abroad and sometimes a second fee, coupled with a poor exchange rate - how can he keep the charges down?

3. Five hidden summer holiday rip-offs - David Budworth answers your most common questions about how to avoid being taken for a ride on your travels

4. Safe to book a non-Abta holiday? - Barbara Moore wants to know if her booking with a non-Abta tour operator is safe if the company went bust

5. How to get a refund from a bankrupt airline - Jill Leake was stranded in Las Vegas when Maxjet went bust and couldn't get remibursement of the £2,500 it cost her to get home. Plus, Ken Chadwick asks about the dangers of booking direct with an airline's website

6. The pickpocket capital of the world? - Four people in Kevin Ryan's group of 15 tourists were robbed in Barcelona - our expert advises on the dangers of the city and how to thwart pickpockets

7. The holiday credit card swindle - The banks can charge an average 2.75% on top of every overseas transaction - here's how to avoid paying through the nose when you use your plastic

8. The sky’s the limit for hidden charges - If you're canny about which credit card you buy a flight with and what baggage you take, you can save a packet on extra charges, says Liz King

9. Currency for a multi-country trip - Wendy Featherstone wants to know what money to take to Ecuador, Peru, Bolivia, Argentina and Brazil; plus, Claire Bottomley is visiting Estonia, Latvia, and Lithuania, and doesn't want to carry three currencies

10. The 13 most common travel scams - From Floridian fraudsters to fake Peruvian police, these are the scoundrels out to scam you - plus more than 50 readers advise on their tales of holiday scammers

My daughter studying in Spain for a year - what is the best way to manage her money? How can she transfer money to euros and then be able to access it without being charged every time she goes to a hole in the wall.

emily, london, england