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How to avoid getting scammed on your next holiday
Travel is one of most valuable experiences you can do but if you get scammed while on holiday, it can also be one of the most valuable lessons you’ll learn.
Scammers continue to advance their ways in how they target holiday goers. It can happen to anyone anytime, anywhere. So, it’s important to learn how to spot and avoid the most common travel scams while knowing how to act fast if things go wrong.
1. Be aware of counterfeit currency exchange
In many tourists’ hot spots, you might see people walking the streets or small booths offering currency exchange for local currency at rates that sounds too good to be true. Be cautious, as they could be using a mix of counterfeit bills with the real ones.
Remember, it’s always safer to use a well-known bank or an official exchange kiosk inside a shopping centre where your money is guaranteed to be exchanged honestly.
Carrying a prepaid card like the Post Office Travel Money Card can make things safer and easier. Load the card with a choice of 22 currencies and enjoy fixed exchange rates whenever you top up via the app, protecting you abroad.
2. The hidden costs of dynamic currency conversion (DCC)
When you're paying for something or withdrawing money in a foreign country, you might be given the option to pay in your home currency. While this might seem convenient, it often comes with higher fees and poor exchange rates so you could end up paying more than necessary.
This is known as dynamic currency conversion (DCC), which can lead to uncertain exchange rates and variable additional fees. These fees can fluctuate significantly depending on your location, the transaction handler and market conditions. Always choose to pay or withdraw in the local currency.
A Travel Money Card can help you avoid these hidden fees too. Simply preload it with the local currency you need so you can pay in that, without fluctuating fees.
3. Beat card skimming and ATM fraud
A common money scam that happens regularly on holidays is card skimming. This is where scammers fit ATMs with devices that steal your card information, including your PIN, so they can access your account. To protect yourself, use ATMs in secure locations like inside a bank or a shopping centre rather than on the street.
Check for any signs of tampering around the card slot and keypad. And always shield the keypad with your hand when entering your PIN. Doing these simple things can significantly reduce the risk of your card information being stolen. Read our guide to how to stay safe on the go, including at cash points.
4. Be familiar with taxi and transfer scams
When you need a taxi or transfer while on holidays, you could end up getting into one that overcharges you or takes you on unnecessarily longer routes. Some may claim their meter is broken, quote inflated rates or even switch to a higher tariff without informing you.
To protect yourself, research typical fares before you arrive and only use reputable taxi apps or official taxi stands. Always confirm the fare before you drive off and make sure the meter isn’t running before starting the journey. If possible, track your route on a map app to avoid detours and keep receipts for any disputes later.
5. Avoid unlicensed guides and ticket sellers
When traveling to popular destinations, you may cross paths with unlicensed guides and ticket sellers. They can fool you by selling fake tickets and experiences that lack correct historical knowledge. You could also end up paying considerably more than standard prices. Some may even lead you into unsafe areas or pressure you into buying additional services.
Always book your tours and tickets through an official provider, hotel desks, tourist offices, reputable apps or directly from the venue. For extra caution, don’t be afraid to ask for certifications and reading reviews will also help you book with ease.
Get foreign currency ahead of your holiday
6. Be alert with pickpockets and distractions
Crowded tourist spots are prime targets for pickpockets. Thieves rarely act alone; one person distracts you while another takes your bag or wallet. It’s one of the most common travel scams. Tactics they use include spilling a drink on you, asking for directions or creating a commotion in a crowded area.
It tends to happen in busy tourist spots, on public transport and during street performances. To protect yourself, stay alert in crowded areas, avoid using backpacks, don’t keep your wallet in back pockets and keep bags zipped. Be cautious when approached unexpectedly. If something feels off, trust your instincts, guard your belongings and walk away if needed.
7. Be prepared for hire car damage charges
Some rental firms may claim you damaged a car you hired and refuse to give back your deposit. They may take advantage of vague damage policies to try to charge you for scratches or dents you didn’t cause.
To avoid falling into this trap, take clear, time-stamped photos and a short video before driving away. Also make sure any current damage or scratches are recorded in the hire agreement. Using a credit card for payment can also provide an extra layer of protection, as many cards offer dispute resolution and rental insurance coverage.
8. Don’t get short-changed
Busy stores and street vendors might intentionally give you incorrect change, hoping you won’t notice. This can happen especially in places with currencies that have many coins or similar-looking notes. So remember to count your change after you’ve paid for something.
Imagine you’ve just enjoyed gelato in Rome and you pay with a larger note. Even if there’s a queue behind you, take a moment to make sure you’ve received the correct change. This quick check can prevent losing money to a simple scam or an unintentional mistake.
9. Watch out for fake police
In some destinations, scammers pose as police officers using fake IDs to intimidate you and steal money. They may claim you’ve broken a local law or need to show your passport and wallet for “verification.” Once you show these, they can disappear quickly with your valuables or demand an on-the-spot fine.
To protect yourself, don’t be afraid to ask for official identification and never hand over cash. Real police officers rarely demand immediate payment. If you feel unsafe, suggest going to the nearest police station or call the local emergency number to confirm the officer’s legitimacy.
10. Be vigilant about Wi-Fi scams
Free public Wi-Fi can be a convenient way to stay connected, but it’s also a common trap for scammers. Cybercriminals often set up fake free public Wi-Fi hotspots in airports, cafes or hotels to steal your personal details. Once you’re on their network, they can intercept sensitive data like passwords, banking details or personal messages without you even realising it.
To stay safe, avoid connecting to unsecured networks and never access financial accounts or enter personal information on public Wi-Fi. Use a VPN for an extra layer of protection and verify the network name with staff before logging in. If in doubt, it’s best to stick to using your mobile data.
What to do if you get scammed?
If you’re caught out by a scam on holidays, the most important thing to do is act quickly. The sooner you respond, you’ve got better chances of getting your money back.
- Contact your bank or card provider immediately to block or freeze your cards that have been stolen
- Report it to the local police in the area you’re staying and ask for a report for your records
- Notify Action Fraud about the scam incident abroad or as soon as you return to the UK
- Change all of your passwords immediately for the platforms where you’ve used the same information
- Keep any receipts, screenshots or documents of everything purchased encase needed for evidence
Key takeaways
- Stick to exchanging money at official banks, shopping centre kiosks or recognised currency exchange offices. Plus, always pay or withdrawal money from ATMs in the local currency to avoid dynamic currency conversion (DCC)
- Use ATMS in secure, indoor locations to protect your card details and avoid using public Wi-Fi. Only use Wi-Fi in hotels, restaurants, cafes and theatres with a secure connection
- Watch out for scams like short-changing, pickpocketing, fake police, dishonest taxi drivers, car hire damage charges along with unlicensed guides and ticket sellers
- Bring a prepaid currency card so you can load it before you go with fixed exchange rates. This will also help protect you against other travel money scams
Bring a multi-currency card to help protect your holiday money
Common questions
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For seamless and secure access to your travel funds, the Post Office Travel Money Card is your go-to option.
It allows you to load up to 22 currencies on a single card, perfect for travelling to countries with different currencies. You can lock in exchange rates when you top up to avoid unexpected fluctuations, ensuring you know precisely what you're spending.
Order yours online or visit a Post Office branch to get started.
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When travelling, keeping your money safe and accessible is crucial. Here’s how it helps secure your funds:
- Digital payments: The card supports digital transactions in millions of locations, wherever Mastercard® is accepted. This minimises the need to carry large amounts of cash, increasing your security when you spend on holiday
- Bank account separation: The card isn’t linked to your bank account, so the money inside it stays secure even if the card is compromised
- Instant control features: If your card gets lost or stolen, you can quickly freeze and report it via the Post Office travel app used to manage it. This prevents unauthorised use and protects your funds
These features make the Travel Money Card an effective safeguard while spending on holiday, keeping your money safe while you enjoy your travels. Find out more about why, combined with our free travel app, it’s the savvy way to spend abroad.
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Managing your travel money has never been more convenient. You can order your Post Office Travel Money Card online or pick it up in-branch before your holiday.
Topping it up is easy and can be done anywhere you have internet access. Simply use the free Post Office travel app or add funds to your card online. You can also top up in branch.
For help with topping up visit our Travel Money Card support page.
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Travel money
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Post Office Travel Money Card is an electronic money product issued by First Rate Exchange Services Ltd pursuant to license by Mastercard International. First Rate Exchange Services Ltd, a company registered in England and Wales with number 4287490 whose registered office is Botanica Ditton Park, Riding Ct Rd, Datchet, SL3 9LL (Financial Services Register No. 900412).
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