Using ATMs and carrying cash

The easiest and best way to get cash away from home is from an ATM (automated teller machine), sometimes called a cashpoint in England. You can find 24-hour ATMs all over London: outside banks, in large supermarkets, and in some Underground (Tube) stations. In other English cities and towns, look for ATMS in local banks on the town's main street (often called High Street).

The Cirrus (% 800-424-7787; and PLUS (% 800843-7587; networks span the globe; look at the back of your bank card to find out which network you're on and then call or check online for ATM locations at your destination. Be sure you know your personal identification number (PIN) and find out your daily withdrawal limit before you depart. Also, keep in mind that many banks impose a fee every time your card is used at a different bank's ATM, and that fee can be higher for international transactions (up to $5 or more) than for domestic ones (where they're rarely more than $1.50). On top of this fee, the bank from which you withdraw cash may charge its own fee. For international withdrawal fees, ask your bank.

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