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Kunsten at få mest valuta for pengene.
Har du bestilt valuta til ferien?
Det kan føles trygt at have penge med hjemmefra, hvis man skal på ferie i udlandet, da man mange steder i verden ikke kan betale med kort i hverken busser, taxaer eller mindre butikker. Desuden er det i langt de fleste tilfælde bedre at købe udenlandsk valuta herhjemme frem for i udlandet på grund af færre gebyrer og bedre kurser herhjemme. Vi giver gode råd til, hvor du skal veksle dine danske kroner til fremmed valuta.
Vekselkontorer.
I mange tilfælde er vekselkontorer billigere end bankerne men tjek med den pågældende valuta, da der kan være ret stor forskel. Hos Forex tilbyder de desuden at veksle dine kontanter tilbage til kroner gratis, hvis ikke du har fået brugt det hele på rejsen. Du skal bare sørge for at kunne fremvise en kvittering.
Jo mere eksotisk og speciel din valuta er, jo dyrere er den som regel at veksle i banken. Desuden skal du ofte vente på, at banken får bestilt valutaen og tilmed nå derhen i deres åbningstid, så hvis du er i sidste øjeblik, kan du medbringe euro eller dollar, som banken som regel har liggende. Hvis du er meget presset, kan du tilmed hæve pengene fra lufthavnen i Danmark, men der vil ofte være et gebyr, hvis ikke du veksler i din egen bank eller er fordelskunde.
Med dollars og euro når du langt.
Kronen er låst til euroen, og det er derfor ret billigt at veksle til denne møntfod, da der ikke er nogen udsving.
Dollars eller euro er lette at veksle, når du kommer frem, da de er relativt stabile valutaer, som man gerne vil have andre steder i verden. Det er ofte mere fordelagtigt at medbringe dollars eller euro end at veksle en masse hjemmefra.
I mange lande kan man desuden, ud over den lokale valuta, betale med euro eller dollars. Det koster nogle gange lidt mere, men så undgår du på den anden side at veksle flere gange eller veksle frem og tilbage. Især hvis du skal besøge flere lande på samme rejse, kan det være smart at have dollars med, som du så løbende kan veksle til lokal valuta, i stedet for at betale gebyrer hver gang du skal hæve penge i en automat. Undersøg det pågældende land du skal besøge, for at finde ud af hvad deres foretrukne betalingsform er.
Hæveautomaten gør det nemt.
En anden mulighed er også at hæve penge med det samme, du ankommer til destinationen. Langt de fleste internationale lufthavne har sikre hæveautomater. I denne henseende er det altid en god idé at hæve maksimumbeløbet på 2000 kroner, da det er billigere end at hæve mange små beløb flere gange. 2000 kroner kan være mange penge at gå rundt med, så opbevar dem i et pengeskab på hotellet og tag lidt med i tasken til hver dag. Danske Bank har en der hæveautomater, som du kan hæve Euro fra, og Jyske Bank tilbyder billigere priser til deres kunder der er mellem 12-27 eller kunder der har mindst 10 aktier i Jyske Bank.
I forhold til hvilken hæveautomat man vælger, vil der ikke være forskel i gebyret eller kursen, da gebyret for VisaDankort er fastsat ved lov, og banken får kursen fra Nationalbanken. For MasterCard er det til gengæld din egen bank, der afgør hvilken kurs du kan hæve til, og derudover koster det altid minimum 50 kroner at hæve kontanter med Mastercard.
Nogle udenlandske banker lægger, ud over det gebyr man betaler til sin danske bank, et ekstra gebyr oveni, fordi man ikke er kunde i banken, og fordi man hæver med et udenlandsk kort. Derudover er det ikke alle hæveautomater, der tillader, at man hæver et beløb svarende til de 2000 kroner, der er den danske beløbsgrænse. Især i fattigere lande kan man risikere, at man kun kan hæve et mindre beløb fra den lokale hæveautomat. Derfor kan det godt betale sig at se efter større internationale banker, som eksempelvis HCBS eller CitiBank, hvor man typisk ikke betaler ekstra til banken.
Læs også: 5 fordele ved at have et MasterCard Guld.
Gebyrer og priser.
Der tillægges et gebyr for at hæve i udenlandske automater på 30 kroner for VisaDankort og 50 kroner for MasterCard. Det kan derfor bedre betale sig at hæve penge med VisaDankort, men man skal blot være opmærksom på beløbsgrænsen på 2000 kroner pr. dag og 20.000 kr. pr. måned. Hvis man skal af sted i længere tid, eller ved at man skal købe dyre ting, kan det være en god idé at medbringe flere kort, så man ikke risikerer at nå beløbsgrænsen uden at have en reserve. Husk at opbevare dine kort separat, så du ikke mister begge, hvis du skulle være så uheldig at få dem stjålet.
Når man betaler med VisaDankort tillægges et gebyr på 1 % for brug inden for EU og 1,5 % for køb uden for eurozonen. MasterCards gebyr og kurs varierer fra bank til bank, så forhør dig hos din bank inden du tager afsted.
Tilmeld dig vores nyhedsbrev.
Tips til at spare penge.
Guides og nyheder.
Info om prisudviklingen.
Tips til at spare penge.
Guides og nyheder.
Info om prisudviklingen.
Sammenlign.
Kategorier.
“ Mine mobil - og bredbåndsabonnementer har fået et økonomisk serviceeftersyn, efter jeg fik sammenlignet priser og ydelser på Samlino. Rundt regnet sparer jeg DKK 250,- om måneden, efter jeg skiftede til de nye udbydere. ”

Hvor får jeg mest valuta for pengene?
Stil selv spørgsmål til eksperterne her.
Jeg skal til Spanien og skal veksle kroner til euro. Men hvor og hvordan kan det bedst betale sig at veksle penge? M. L.A., Kolding.
Som hovedregel kan det bedst betale sig at veksle penge i Danmark. I skrivende stund forlanger Danske Bank 759,48 kroner kroner for 100 euro. Dertil kommer et gebyr på 30-40 kroner, hvis du ikke er kunde i banken. Forex forlanger 759,97 kroner for 100 euro, men tager intet gebyr.
Det er dog stadig billigst at betale med sit VISA/Dankort i butikker og restauranter, hvor der kun lægges 1-1,5 procent oven i kursen. Ved et tillæg på 1 procent oven i Nationalbankens officielle kurs svarer det til, at du betaler 753,87 kroner for 100 euro, mens et tillæg på 1,5 procent giver en pris på 757,60 kroner.
En dyrere metode er at hæve penge på sit VISA/Dankort i bestemmelseslandet. Hæver du 250 euro i en spansk pengeautomat, ryger der 30 kroner på i gebyr. Dermed kommer prisen for 100 euro op i 769,60 kroner.
Hilsen Jørgen Rasmussen (Økonomisk Journalist med speciale i bolig og investering)
Stil selv spørgsmål om aktier og investering til Jørgen Rasmussen, Økonomisk journalist her.

Forex veksle penge

Optimal leverage forex C wheeler forex trading Mobile forex monitoring Khalid teknik forex sebenar Nguyen nhan thua lo forex Valuta og valutakurser. Det er i langt de fleste tilfælde bedre at købe udenlandsk valuta herhjemme, i stedet for at tage danske kroner med til udlandet og sælge/veksle dem der. Danske kroner er ikke en efterspurgt valuta i udlandet, hvorfor udenlandske banker og vekselkontorer blot har besvær og udgifter med at få de. FOREX suksessrike forretningsidé er å forsyne landets innbyggere på vei til utlandet og utenlandske besøkende med valuta: til gunstige tider. Fra sentrale steder til de mest fordelaktige kursene och til de laveste ekspedisjonsavgiftene. Her finner du informasjon om valuta - og renteprodukter tilgjengelig for deg som personkunde.
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