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I was in Cartagena yesterday, the beautiful Spanish deep water port city once contested by the Roman Empire and the other great power of the ancient world, Carthage of “Hanniball marching elephants through the Alps” fame. After visiting the ruins of a Roman theater, I was paying for an eagerly anticipated beer when a thought crossed my mind.
As always I had used my multi-currency prepaid debit card, the same one I’ve used in many different parts of the world. It made me wonder: when was the last time I’d used a traveler’s check? I can’t remember and don’t even know if they’re still a thing.
When I was first introduced to the humble traveler’s check, I thought it was such a brilliant idea—very sophisticated. I was young and felt like a wealthy gentleman signing all those little stubs, thinking about it now has certainly brought back memories. I suppose money is meant to provide memories and experiences, and those checks certainly delivered.
From cashing them at a sleepy taverna in the middle of nowhere on a tiny Greek island whose name I can’t recall, to using them for a two-day snowmobile trek inside the high Arctic Circle where daylight never came, rummaging through my backpack in tropical northern Queensland for that last crumbled check to quench our thirst with one last beer—they were my passport to adventure.
It’s sad how quickly they’ve become nothing but fading memories from my thoughts. Most younger travellers today would look at a traveler’s check with bewilderment. But I guess convenience with cards is undeniable—my seamless 2-euro beer purchase is proof enough—but there’s something to be said for the old way.
I think the physical nature of it—the deliberate act of signing, the interaction, the eye contact with the taverna owner examining your signature, the pause while they verified the watermark—it forced a moment of human connection at every transaction. It anchored you in the moment and location creating a snapshot memory in a way that tapping a card never will.
I suppose the years move on, technology advances, faster and faster, no time for silly sentimental memories. Our elaborate dance, the traveler’s check ritual is no more. Farewell old friend. Now the tap of a card is better…isn’t it?
Your reflection on traveler’s checks really captures how payment methods once shaped the travel experience itself. The rituals of signing and verifying created small moments of human connection that cards rarely offer. It reminds me how convenience sometimes comes at the cost of memory, like choosing a smoother way today but missing the charm of the old paths. Technology makes things easier, but those deliberate pauses often left the strongest impressions.
That’s quite a post, not sure I know many people who could so eloquently romanticize Travelers Cheques. Kudos!
I’m personally glad I no longer have to go to my local bank or AAA office to stand in line and go through the process of getting these prior to a trip, give me the swipe of plastic or paying digitally with my phone or watch, all day, everyday.
I use my phone for almost all my payments now. My phone has a removable protective case, and I keep some emergency cash hidden underneath it. Even though mobile payments are convenient, I don’t completely trust the system—having that backup cash gives me peace of mind.
Phone payment platforms are probably the safest method. Like a humble investor, I stick to diversification: phone, cards, and cash in separate pockets.
Ah yes, the three-pocket portfolio, diversified against pickpockets, dead batteries, and tap-to-pay refusers 😉
Oh yes, I remember travelers checks… I remember a branch of the Bank of India telling me they only had one employee who could cash them, and he didn’t start work until 10:00. I also remember countries where only cash worked. Nowadays, I hear there are places where everyone uses their phone to pay. I’m hoping my aging Oyster card will still work in London.
BTW, is the dynamic currency conversion scam still in operation? If you have a multi-currency card it wouldn’t affect you, but I haven’t heard that those are available in the US, and I prefer credit cards in any case. [Update: seems I should look into an outfit called Wise.]
I was in London last month. Tap and pay with your credit card works on the tube. I’ve overheard people in Spain being asked if they want to pay in euros or sterling, always better in the local currency.
As of May 2025, Oyster still works with London’s underground. You can now also simply use NFC “tap to pay” on entrance and exit, with a credit card selected in your mobile’s wallet.
Thing is, I don’t want to use my phone for finance. So far I haven’t needed to.
You can still use your Oyster card, and if it’s out of date, any staffed Underground station will sort you out with a new one. I have to say, I find the Transport for London (TfL) staff very friendly, polite, and helpful.
Thanks. In the past I’ve used machines, but it’s been a while.
I haven’t thought about these for years. I just searched, and apparently they do still exist. I wonder if your Cartagena barkeeper would have been bewildered had you offered payment with one.
This made me think of Triptiks from the American Automobile Association that my parents used to order before our road trip vacations. They too are still available, albeit in a digital format.
I think the barkeep was confused enough with my accent lol
Then there was the time in the earl 60s when you were in Europe carrying marks, lire, pounds, francs (2 kinds), each as you crossed each border. Money handling was an experience in itself. Nobody likes bills and metal anymore. You are correct – no connection with the digital experience today.
I still have a few Lira in a drawer, Riyals and a few odd European coins, too. Detritus from the past. The Riyals are still worth something.
When I first started going to China 25 years ago, I would walk the streets of whatever city I was in, all day, with a 100-yuan note in my pocket and a card with the address of wherever I was staying, be it in-laws’ home or hotel or wherever. The idea was that if I ever got lost or tired, I could just flag down a cab and hand him the bill and the card. I never needed it — always found my way back on my own — but it was great to have.
I still carry an old 100-yuan note in my wallet, just as a reminder that I can always find home.
I have quite a stash. Everything from pounds, euros and Swiss francs to yen, won and som. Friends changed my pounds for new ones during a trip a couple of years back, but I doubt I’ll have a use for the aging Russian rubles or Myanmar kyat.
Your post made me wonder if a non-profit could take foreign currency. I figure many humble dollar readers have currency they will never use in their sock drawers. Here’s where you can send it:
Donate your foreign currency on an American Airlines flight or at an Admirals Club or Flagship Lounge. You can also mail in your foreign currency to:
Change for Good
UNICEF USA
125 Maiden Lane
New York, NY 10038
Good point. AA usually announces that on flights back to the US.