encash american express travellers cheques

How to Cash American Express Travelers Checks

by Editorial Team

Published on 1 Jan 2021

American Express offers travelers checks in seven different currencies including U.S. currency, Canadian dollar, Pound Sterling, Japanese Yen, Chinese Yuan and Euro. Using a traveler’s check protects you from identity theft, as you don’t have to provide any bank account or personal information to purchase it. Several banks and merchants throughout the world allow you to cash American Express traveler’s checks when following the correct procedures and presenting the proper identification.

Visit a foreign exchange, merchant location or bank that accepts American Express Travelers Checks. Exchange the traveler’s checks for local currency to make payments at restaurants, hotels, shops and other retailers.

Write the current date in the upper right corner of the travelers check in the designated area, just as you would a personal check.

Write the name of the merchant or payee on the "Pay to the Order" line in the middle of the check.

Sign the check on the designated line located in the lower left corner. Allow the cashier to witness you signing the check for signature verification. Your signature should match the original signature located on the check.

Present the travelers check to the merchant along with your identification. Valid forms of identification include a passport, driver's license and state-issued identification card.

When cashing an American Express Travelers Check, commission charges may apply and can vary by exchange partner or country.

Travellers Cheques FAQ

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Traveler’s Checks When Traveling Abroad — Useful or Outdated?

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

Countries Visited: 36 U.S. States Visited: 31

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3198 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

What are traveler’s checks, how to buy and use traveler’s checks, what to do if traveler’s checks are stolen, best ways to use traveler’s checks, cons of using traveler’s checks, other alternatives, money tips for traveling abroad, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

When traveling abroad, you might wonder how to pay for things once you arrive. Should you bring currency on your trip? Which currency should you bring? Can you get money once you arrive? How much cash should you carry at once?

Many of these questions can be answered by using traveler’s checks. Traveler’s checks might seem like an outdated choice, but they can still be useful in certain situations.

In this article, we’ll explain what traveler’s checks are, how they work, and when they might be worth the hassle. We’ll also explore other more common alternatives and give tips for obtaining foreign currency.

Traveler’s checks are documents that can be used like standard paper checks and cash. Travelers purchase them before they leave home to exchange for cash in the local currency when they arrive at their destination.

These checks are printed in varying denominations, and each check is uniquely numbered so that it can be replaced quickly if lost or stolen.

Banks, hotels, and merchants were once very used to accepting traveler’s checks. These places liked traveler’s checks because of the safeguards that were put in place. Basically, as long as the original signature matched the signature made at the time of the purchase, payment is guaranteed — eliminating any “bounced checks.”

Now, with the increased use of credit and debit cards (especially those with no foreign transaction fees ), prepaid cards, and ATMs on every corner, traveler’s checks have become less popular.

You may find it difficult to find banks or hotels that accept them , and if you do, you might be at the mercy of their business hours to cash them in.

You can still buy and use traveler’s checks in the U.S. and other countries.

Where To Buy Traveler’s Checks

You can find traveler’s checks offered by companies like American Express and Visa . You can also go to your local AAA office to purchase them.

The best place to purchase traveler’s checks is from your own bank, but unfortunately, many banks no longer offer traveler’s checks, including Chase, Wells Fargo, and Bank of America.

If you’re not sure if your bank offers traveler’s checks, it’s worth contacting them to confirm. If you are a customer, banks typically waive any fees to obtain them and this can add up because other companies can add on a 1% to 3% fee on top of the base currency amount that you request.

In order to obtain a traveler’s check, you will need to:

• Either go in person to an eligible bank or visit the website of the traveler’s check issuer.
• Select the total amount of currency to purchase.
• Submit payment, including any fees.

How To Use Traveler’s Checks

Once you have the traveler’s checks, you need to know how to use them. Traveler’s checks work a bit differently than other forms of currency. Here are the steps you’ll need to take:

• Sign the checks immediately. Follow the issuer’s instructions to find out where to sign (and only sign once).
• Leave evidence of your traveler’s check purchase somewhere safe. If checks get lost or stolen, you’ll need to provide proof of purchase along with check numbers to get a refund. Leave those details with a friend or save them online for easy remote access.
• Complete the payee and date fields. Once you have confirmed that the payee or bank will accept traveler’s checks, fill out the payee and date fields.
• Sign the check again. You must complete this portion in-person to ensure that the signature matches the original. You may also need to show some sort of identification as well. This is key to keeping traveler’s checks secure.
• If checks get lost or stolen, contact the issuer immediately. You may be able to get replacement checks locally, and the issuer needs to know which checks to cancel.

Traveler’s checks don’t expire , so if you don’t use them you can either keep them for future use or deposit them into your bank account once you’re home.

If all of your cash is stolen while you’re traveling abroad, you’ll have next to no chance of getting it back.

However, if this happens with your traveler’s checks, you’ll likely get them replaced as long as you’ve complied with your check issuer’s purchase agreement . This is the primary benefit of traveling with traveler’s checks.

Bottom Line: Treat your traveler’s checks like cash. If you lose your checks, you may not get replacements if your check issuer has reason to believe you didn’t safeguard them appropriately.

Here’s what to do if your traveler’s checks are lost or stolen:

• Call the customer service phone number provided by your issuer or find it by accessing their website.
• Provide proof that the check is yours by submitting the check number, proof of purchase, and your identification. It’s important to have easy access to this information for this reason.
• If required by your issuer, provide evidence that you have reported your stolen check to the police.
• Be sure to return any other refund paperwork requested.

If you don’t comply, you could experience delays or even have your claim denied. After you’ve reported your missing check, your provider will void it and issue you a new check.

Some issuers even pledge to get replacement checks out to you within 24 hours !

The following are situations when you might consider using traveler’s checks:

1. No Access to Credit or Debit Card

If you don’t have a credit card or a debit card tied to your bank account, a traveler’s check could be a safe alternative to simply carrying lots of cash abroad.

This tip also applies if your particular credit or debit card isn’t accepted abroad. This is more likely to happen if your card is something other than a Visa or Mastercard , as those credit cards claim the widest global network.

2. Limited Access to ATMs

In many places, you can easily get cash in the local currency at an ATM once you arrive. This wouldn’t be a problem in Europe, for example, but ATMs are rare in some parts of the world. In addition, ATMs can malfunction, networks can be down, and machines might even run out of cash.

Traveler’s checks allow you to get local currency at participating banks, hotels, and other foreign locations without regard for these potential problems.

3. Access Good Exchange Rates 

Buying traveler’s checks can help you avoid bad exchange rates. If you decide to exchange currency once you arrive, you might not get the best conversion rates by doing this at the airport.

By purchasing traveler’s checks before you leave, you can lock in a set amount at the current exchange rate.

Read our guide for the best places to exchange currency .

4. Avoid Common Credit or Debit Fees

If your credit or debit card charges a foreign transaction fee , you can be charged a fee every time you make a purchase with your card in a foreign country. If your card also charges ATM fees, these fees can add up quickly.

To avoid these fees, it might make sense to use traveler’s checks. Although there may be a fee involved when you purchase or cash a traveler’s check, it might still be less than other fees your credit or debit card may charge.

Hot Tip: If your card charges a foreign transaction fee, it will typically be 3% of each purchase you make.

5. As an Added Safety Measure

If you’re traveling to a potentially unsafe region, traveler’s checks keep your money secure. Even if you’re in a relatively safe place, anyone who enters your room or has access to your bags could search for your money.

The main benefit of traveler’s checks is that they reduce your risk of theft or loss. Since they can’t be cashed without your signature and often require a photo ID, they are less appealing to thieves or pickpockets. They can also be easily replaced if you provide the issuer with the proper information.

Here are some reasons that might discourage you from using traveler’s checks:

1. Limited Availability for Use

In much of Europe and Asia, traveler’s checks are no longer widely accepted and cannot be easily cashed — even at the banks that issued them.

This means that cashing in traveler’s checks might require hunting down a bank branch or hotel that accepts them during business hours.

Bottom Line: Those relying solely on traveler’s checks may find that they are unable to cash them in many remote or rural locations.

2. Not All Banks Offer Them

Certain major banks, such as Bank of America, no longer offer traveler’s checks at all. This might mean ordering traveler’s checks online well in advance of your travel plans or having to find a new bank that offers them.

3. Potential for Additional Fees

If a company does offer traveler’s checks, it typically charges fees for both buying and cashing in a traveler’s check. While some banks offer them for free if you are a customer, others charge between 1% to 3% of the total purchase amount.

Check the math for your own situation, but using traveler’s checks could actually cost more than using an ATM or credit card abroad.

4. Bulky Paperwork

Not only are traveler’s checks a hassle to carry, but most companies also require that you keep proof of purchase for the checks to verify the check numbers if they are lost or stolen.

Both of these just add up to keeping track of additional paperwork.

Obviously, traveler’s checks aren’t your only option when it comes to obtaining foreign currency. Here are some other options you should consider.

Cash is convenient and relatively easy to exchange. You can bring money from home into a foreign bank or currency exchange location almost anywhere in the world. It can be easily exchanged without the worry of multiple bank fees or ATM fees adding up.

Hot Tip: Be aware: if you exchange your money in tourist areas, you might be hit with a bad exchange rate.

On the downside, carrying paper money is a risk since it can’t be replaced if stolen.

A debit card can be used at an ATM to collect cash. While not all ATM machines (especially in more rural places) accept foreign debit cards, you will find that most do.

Depending on your bank, you might even have to pay both an out-of-network ATM and an international ATM fee for this convenience.

Hot Tip: An out-of-network ATM fee is typically between $2 to $3.50 per transaction in 2021 and a typical international ATM fee can range from $2 to $7 per transaction (plus a 3% conversion fee), depending on your bank and card.

Most restaurants and stores accept foreign debit cards, but carrying a form of backup currency is always wise . Additionally, foreign transaction fees can add up quickly if you are using your debit card frequently.

Credit Card

Like debit cards, credit cards are small and easy to carry. Mastercard, Visa, and more recently, American Express , are widely accepted in other countries, so you can rest easy knowing you will be able to complete your purchases. You can also limit fees by getting a credit card with no foreign transaction fees .

A credit card also comes with fraud protection. You can dispute fraudulent charges and get them removed from your account if reported timely.

Hot Tip: While you can use a credit card for ATM transactions, you will be hit with a cash advance fee . It’s best to avoid doing this, if possible.

Prepaid Card

If you have difficulty getting approved for a credit card , a prepaid card could be a good alternative. You simply load the card with money from your bank account and use it as a debit card at an ATM or as a credit card at merchants and hotels.

While prepaid cards are locked with a PIN number, they can sometimes be difficult to use at ATM machines. Additionally, fees for foreign currency transactions can be as high as 7% , depending on the card.

Hot Tip: Booking hotels, airfare, or activities online will require either a credit card, debit card, or prepaid card.

Do Your Research

Know which types of currency are accepted at your destination and how much of each type (if any) you should bring. Especially be aware of any cash you might need on arrival (to obtain a visa , exchange upon arrival, etc.) in case you can’t immediately locate an ATM or a currency exchange office.

Carry a mix of cash, cards, and maybe even traveler’s checks. Ideally, the cards you bring with you shouldn’t have foreign transaction fees or ATM fees . Having some variety also helps if one of your cards isn’t accepted or your cash is lost or stolen. 

Tell Your Bank You Are Traveling

Always be sure to let your bank and credit card issuers know where you’re going and when so that your card isn’t declined when you try to make a purchase due to unusual activity.

If you exchange money at your bank, you will likely also get a better exchange rate.

Don’t Keep All of Your Money in 1 Place

Keep some of your currency or an extra card locked in your hotel room’s safe or in a money belt . In the terrible instance that you lose your purse or wallet, you would still have immediate access to additional money.

We’ve shown that traveler’s checks aren’t necessarily the most convenient way to take currency abroad, but depending on if you have limited access to debit or credit cards or they aren’t accepted where you are traveling, it might be worth it to bring some along.

Overall, if you’ve decided that traveler’s checks can be of use to you, taking some, along with some cash and a debit, credit, or prepaid card, may just be the smartest way to travel.

Frequently Asked Questions

Can you still buy traveler's checks.

While many larger banks are no longer offering traveler’s checks, they are still available at American Express and other smaller banks and credit unions. It is worth asking if your bank offers them and at what cost.

How much does it cost to buy traveler's checks?

While some banks offer them for free if you are a customer, others charge between 1% and 3% of the purchase amount.

What is the purpose of a traveler's check?

A traveler’s check offers a safer option than carrying around money. There are multiple safeguards in place to prevent fraud and if the checks are lost or stolen, they can be easily replaced.

Can you cash old traveler's checks?

Traveler’s checks do not expire. You can cash them in at any time — typically even at banks that don’t offer them for sale. This means you can go to your own bank and redeem your traveler’s checks.

To do this, date them, fill out the “Pay To” field (to your bank), and countersign in the presence of the cashier . Any unused value will be returned to you in cash.

Can I buy traveler's checks online?

American Express is the only large bank that offers traveler’s checks online. Its website offers a step-by-step process to order them.

You should check with your local bank or credit union to see if they might also offer this benefit.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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A Guide to Travellers Cheques

Once a foreign currency staple, this form of prepaid funds has existed for hundreds of years, designed as a way to allow payment from one person to another across currencies. As the financial services sector continues to shift to online solutions , we look at how, where and why travellers cheques are used, as we discuss the relevance of this form of currency.

What are travellers cheques?

The history of the travellers cheque spans as far back as 1772 when the first of its kind was issued by the London Credit Exchange Company, in the UK. Over the coming centuries the concept became popularised on a global scale, with major banks and financial institutions adopting this form of travel money in the 20th century. American Express became the largest issuer of travellers cheques and continues to offer these services to customers to this day.

A safe and convenient method of payment for anyone travelling to foreign territories, these pre-printed cheques hold a fixed amount which can be used worldwide across a range of currencies. Designed to facilitate payments from one person to another, using different currencies, travellers cheques were initially seen as a more practical way for individuals to carry their spending money.

Travellers cheques had their heyday in the late 20th century, reaching peak popularity in the mid-90s, before alternatives such as credit and debit cards became more widely available and easier to manage financial transactions. It was reported in 2018 that a mere 1.5% of Britons use travellers cheques, a rapid decrease over the course of two decades.

How do you use travellers cheques?

When you first receive your travellers cheques, you will be required to sign each one before use, as a way of verifying your signature. Each cheque will have a fixed value (usually $20, $50, $100, $500 etc.) as well as a unique serial number which can typically be found in the top right corner.

It is important to take note of these serial numbers as they will be referenced in any case of lost or stolen cheques. Unlike cash, if anything happens to your travellers cheques, the original vendor will be able to issue a refund for the exact same value. This added level of security is why this payment method was seen as revolutionary when first introduced.

As well as signing upon receipt, you will also need to sign each travellers cheque when used by a retailer or exchanged for cash. The act of signing your name as a form of security is somewhat outdated, given the modern technologies in place nowadays.

When accepted by retailers, a travellers cheque will be treated like local currency, which means you should receive any change in the standard, local currency.

Where can I get travellers cheques?

Due to dwindling demand, travellers cheques are not as readily available as they once were. However, they can still be acquired from some banks and financial institutions, post offices and currency exchange offices, like Travelex.

One thing to note is you may be required to settle the handling, commission or cash-in fees that often accompany travellers cheques, and these can be expensive, amounting to 2 - 3% in some cases. This cost is another reason they are no longer as frequently used.

Where can I use travellers cheques?

Generally, travellers cheques are still accepted all over the world, albeit harder to find vendors selling them and retailers accepting them as legal tender. Consider your destination before deciding on this form of travel money: if you are travelling to major cities there is more chance of you finding somewhere to cash your cheques or use them for in-store purchases. However, more remote destinations may not be equipped or able to accept this type of funds.

How safe are travellers cheques?

The original blueprint for travellers cheques was a paper payment method which could be used as foreign currency but was more secure than handling cash. At the height of its popularity, travellers cheques were generally considered much safer than cash due to the added security of their unique serial numbers, meaning customers could cancel and replace cheques if need be. These numerical codes were a money-back guarantee for anyone whose cheques were misplaced, destroyed or stolen. Another added benefit, if your travellers cheques are intercepted, you will not be vulnerable to bank fraud, as they are in no way connected to your bank account, unlike credit or debit cards.

Financial security measures have evolved greatly since the inception of travellers cheques, however, with the introduction of PIN codes, two-factor authentication, fingerprint touch ID and facial recognition, to name a few forms of fintech security commonly available now. With this in mind, the concept of a travellers cheque no longer measures up in terms of fraud protection and data encryption.

Travellers cheque vs. Cashiers cheque: What is the difference?

In terms of appearance, a travellers cheque looks nearly identical to a standard issue cashier's cheque: but are they similar in any other ways?

A cashiers cheque is issued by a bank or financial institution and is designed to be processed quickly, by the individual whose name is printed on the cheque. Conversely, a travellers cheque is for use overseas, is loaded with prepaid foreign currency - usually USD or GBP - and does not have a name or account number printed on it, although it does require a signature. Because travellers cheques do not have any bank details printed on them, they are deemed safer than cashiers cheques in terms of potential for fraudulent use. In addition to this, they are paid for when printed, meaning it is not possible for a travellers cheque to bounce.

What are the alternatives?

Credit or debit cards.

If you are worried about travellers cheques not being widely accepted where you are going, then this form of travel money will offer more flexibility. Using your regular bank cards overseas provides a record of spending and offers maximum convenience, but there are also some frequently flagged concerns. Primarily these concerns focus on the sky-high fees and below-average exchange rates related to using your debit or credit card abroad. This isn’t always the case, however, as many banks and financial institutions offer travel credit cards, tailored to suit the needs of frequent flyers.

Travel money cards

Prepaid travel money cards are the modern equivalent to travellers cheques and have become very popular. This is largely due to the fact that they are totally separate from your regular bank account, allowing users to spend their balance freely without the worry of potential fraud or overspending. Preloaded with funds, travel money cards often help limit additional currency exchange charges. In addition to this, in spite of fluctuating currency rates, these cards let customers lock-in a favourable exchange rate ahead of time.

International bank accounts

If you are headed overseas for a sustained period of time, it could be more convenient and cost-effective to open a bank account in your destination country. You would be subject to the relevant security and eligibility checks but this decision pays off if you are making regular international money transfers or being paid in a different currency by foreign clients. Find out more about this option by reading our guide: How to Open a Bank Account Overseas.

Due to the growing alternative digital payment methods available nowadays, it seems this age-old travel money no longer measures up in terms of accessibility, cost and convenience. When travellers cheques were originally launched, ATM withdrawals were not commonplace for travellers, and digital point of sale systems had not been invented. Nowadays, it is easy to access local currency using an assortment of different payment methods such as debit or credit cards, travel money cards or money transfer apps .

The best option for anyone who is reluctant to use their debit or credit card overseas, would be to use a prepaid travel money card. Prepaid travel money cards are a safer and more widely used alternative to travellers cheques, and customers do not need to seek out a bank to use them, are not required to sign for each transaction and security measures in place are far more advanced. This method enables customers to secure multiple foreign currencies, locking in the optimum exchange rate for your currency pairing ahead of your trip abroad. Use our comparison tool to ensure you receive the most competitive exchange rates for your international money needs.

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Travellers cheques in Russia - St. Petersburg Forum

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Today I am about to go to my bank to collect some travellers cheques for our up-coming trip through Russia. However I have just read an article on Trip Advisor which says, in part:

"...................If you plan to take American Express Travellers cheques to Russia, you should be aware that most banking instutions, including the local American Express agency, may refuse to accept them, or if they do, it could be at a 20% commission.

Travellers heading to Russia should re-think the use of American Express or any brand of Travellers Cheque............."

Somebody please tell me this isn't correct. We are taking our visa cards too.

Actually, the information IS correct.

I brought travelers' checks with me on my first trip to Russia in 2005, but I never did find a place where I could cash them in without getting royally hosed. Others will no doubt have more detailed information, but I have always done just fine with cash and an ATM card.

So, you used US dollars and your ATM card? We've been told it is a waste of time bringing Australian dollars with us. Maybe we should forget travelers cheques, get the money back from the bank (which they have already debited from our account) and buy US dollars with the money they give us back.

What do others think???

I usually withdraw Roubles from my American bank VISA card. The exchange rate and ATM fees are being taken care of by my bank. Because I have to pay a flat fee ($3) per each transaction, I usually take out the maximum amount (usually RUR7000 - RUR7500) at a time and watch carefully how to spend.

That's pretty much what I do, too: grab the maximum amount of rubles out of the ATM every so often. I also like to carry some cash because, well, you never know. One nice thing about staying in the Astoria/Angleterre is that you can change dollars for rubles right there in the hotel while they are registering your passport.

Before leaving - please inform the bank that has issued your card about the journey to Russia and possible payments and cash withdrawals, otherwise they may block operations due to an obscure destination (sounds non-patriotic - but so it is).

Actually Sberbank lists a 2 percent fee for cashing AMEX checks, which is nowhere like 20 but not so great either. You can bring some as a backup in case of problems with your card.

Thanks for the reminder veresch. We haven't done that yet but will do so. We've delayed our visit to our bank to sign the travellers cheques waiting for further info on this thread. Is Sberbank a bank that has branches everywhere? We land in Vladivostok so that is where we will first need to obtain money. Is there a Sberbank in Vladivostok?

I know we will have our Visa card with us but we are very cautious people and want to know that we have back up if our card doesn't work.

We can't delay this trip to the bank much longer so we'll go in there this afternoon. I think we will ask them to take back half of our travellers cheques and swap them for US cash. We haven't signed the cheques yet so we are hoping they won't charge us to cancel them. Banks here are not usually very accommodating so I reckon they will charge us to cancel the wretched things.

If someone could tell us if the is a Sberbank in Vladivostok we would be most grateful. We arrive early afternoon so we'll make a bee-line for the bank, if there is indeed one in the city.

> Is Sberbank a bank that has branches everywhere?

Yes, 19 050 branch offices.

> If someone could tell us if the is a Sberbank in Vladivostok

37 offices in Vladivostok.

Here is the link to Sberbank branches in Vladivostok. Sorry, it is in Russian, so please use a Google Language tool for translation or transliteration (for streets). Please remember that not all the branches might be able to accept travelers checks - most likely they will send you to a bigger or central branch. That happened to me in another city. Inconvenience to say the least.

http://vl.ru/dengi/info/companies_list/94/

Thank you both very much. I'll find our map and see which branch is closest to the train station and our accommodation. Brilliant!

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The Best Places To Cash American Express Travellers Cheques In London

• Last updated May 10, 2024
• Difficulty Beginner

• Category Travel

Are you planning a trip to London and thinking about carrying American Express travellers cheques? Then you would surely want to know the best places in the city to cash them. London, being a global financial hub, offers numerous options for cashing travellers cheques, but not all establishments are equal. In this article, we will explore the top spots where you can conveniently and securely exchange your American Express travellers cheques in the vibrant city of London. So, read on to make the most of your travel experience while ensuring that your money is in safe hands.

What You'll Learn

Major banks in london that cash american express traveller's cheques, currency exchange offices in london that accept american express traveller's cheques, alternative options for cashing american express traveller's cheques in london, important considerations when cashing american express traveller's cheques in london.

If you are looking to cash American Express travelers cheques in London, there are several major banks that can assist you. Here are some of the most popular choices:

• Barclays: Barclays is one of the largest and most well-known banks in the United Kingdom. They offer a range of financial services, including cashing travelers cheques. To cash your American Express travelers cheques at Barclays, simply visit one of their branches in London and present your cheques for redemption.
• HSBC: HSBC is another major bank that can help you with cashing American Express travelers cheques in London. Like Barclays, they have numerous branches throughout the city where you can redeem your cheques. Visit any HSBC branch and speak with a representative to complete the cashing process.
• Lloyds Bank: Lloyds Bank is a popular choice for cashing travelers cheques in London. They have a strong presence in the city and offer a range of financial services, including currency exchange. Visit a Lloyds Bank branch and provide your American Express travelers cheques to exchange them for cash.
• NatWest: NatWest is a well-established bank that provides a variety of financial services to customers in London. As with the other banks mentioned, you can visit any NatWest branch to cash your American Express travelers cheques. Present your cheques at the counter and a representative will assist you with the cashing process.
• Santander: Santander is another major bank in London that can help you with cashing American Express travelers cheques. They have branches located throughout the city where you can present your cheques for redemption. Speak with a Santander representative and they will guide you through the cashing process.

Remember to bring your identification documents, such as a passport or driving license, as well as any additional information that may be required by the bank. It's always a good idea to call ahead to confirm that the specific bank branch you plan to visit offers the service of cashing American Express travelers cheques, as policies may vary between branches.

By choosing one of these major banks in London, you can confidently cash your American Express travelers cheques and get the cash you need while exploring the city.

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If you're traveling to London and have American Express travelers cheques, you may be wondering where you can cash them. While travelers cheques are becoming less common, there are still currency exchange offices in London that accept them. Here are a few options for cashing your American Express travelers cheques in the city:

American Express Foreign Exchange:

American Express has its own currency exchange offices in London, where you can easily cash your travelers cheques. The offices are located in various parts of the city, including popular areas like Oxford Street and Covent Garden. Visit the American Express website or contact their customer service for more information on the location nearest to you.

Travelex is a well-known currency exchange company with multiple branches in London. They accept American Express travelers cheques, making it convenient to convert your cheques into local currency. You can find Travelex branches at major transportation hubs like airports and train stations, as well as in popular tourist areas.

The Post Office:

The Post Office in London also offers currency exchange services, including cashing American Express travelers cheques. With numerous branches across the city, you should be able to find one nearby. Check their website or contact their customer service for more information on the availability of this service at specific branches.

Many banks in London still accept American Express travelers cheques, although this may vary depending on the bank and branch. It's a good idea to contact your bank in advance to confirm if they accept travelers cheques and if there are any specific requirements for cashing them. Keep in mind that some banks may charge a fee for this service.

When cashing your American Express travelers cheques, make sure to bring your identification, such as a passport or driver's license. It's recommended to keep a record of the serial numbers of your travelers cheques separate from the cheques themselves, in case of loss or theft.

Overall, while travelers cheques are not as widely used as they once were, there are still options available for cashing American Express travelers cheques in London. Researching and planning in advance will help ensure a smooth conversion process, allowing you to have local currency on hand for your visit to the city.

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American Express travellers cheques have long been a popular choice for travelers due to their security and ease of use. However, with the decline of traditional banking services and the rise of digital currency, finding a convenient location to cash these cheques in London can be a bit challenging.

While American Express does provide a list of authorized locations that accept their travellers cheques in London, it is always best to have alternative options in case the nearest location is not easily accessible or if they have specific limitations. Here are a few alternative options for cashing American Express travellers cheques in London:

• Banks: Most major banks in London still accept travellers cheques, including American Express cheques. It is advisable to visit the bank branch where you have an account, as they may be more willing to cash the cheques for you. However, be prepared to provide identification and expect a small fee for cashing the cheques.
• Currency Exchange Offices: London is known for its numerous currency exchange offices, many of which also provide services for cashing travellers cheques. Look for exchange offices that prominently display the American Express logo or inquire beforehand to ensure they accept American Express travellers cheques. Similar to banks, these exchange offices may charge a fee for the service.
• Post Offices: Some post offices in London also accept American Express travellers cheques. It is recommended to visit larger post offices in central locations, as they are more likely to provide this service. Make sure to check their opening hours and bring appropriate identification.
• Major Retailers: Certain large retailers in London, such as department stores and supermarkets, may also cash American Express travellers cheques. These retailers usually have dedicated customer service or money exchange counters where you can inquire about cashing your cheques. However, it is important to note that not all retailers offer this service, so it's advisable to call ahead before visiting.
• Travel Agencies: Some travel agencies in London may also accept American Express travellers cheques. These agencies often offer currency exchange services alongside their other travel-related services. It is worth checking with a few local travel agencies to see if they can accommodate your needs.

When cashing American Express travellers cheques in London, always ensure that you have a valid form of identification, such as a passport or driver's license, and be prepared to pay a small fee for the service. Additionally, it is important to keep track of the denominations and serial numbers of your cheques in case you encounter any issues or need to report them as lost or stolen.

In summary, while American Express provides a list of authorized locations for cashing travellers cheques in London, it is beneficial to have alternative options available. Consider visiting banks, currency exchange offices, post offices, major retailers, and travel agencies in your search for convenient locations to cash your American Express travellers cheques. Always remember to bring identification and be prepared for potential fees.

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If you are traveling to London and have American Express travelers cheques, you may wonder where you can cash them. Cashing travelers cheques can be a convenient way to access your funds while traveling, and American Express is widely accepted in many places around the world, including London. However, there are a few important considerations to keep in mind when cashing American Express travelers cheques in London.

Find an authorized provider:

It is important to cash your American Express travelers cheques at an authorized provider, such as a bank or a currency exchange office. These authorized providers are more likely to accept American Express travelers cheques and offer competitive exchange rates. It is generally not advisable to cash travelers cheques at hotels, as they may charge high fees or offer unfavorable exchange rates.

Choose a reputable provider:

Look for well-established banks or currency exchange offices that have a good reputation. Check online reviews or ask for recommendations from fellow travelers to ensure that the provider you choose is reliable and trustworthy. This will help ensure that you get the best service and avoid any potential scams or fraud.

Check the opening hours:

Before heading to a bank or currency exchange office to cash your travelers cheques, make sure to check their opening hours. Many places close earlier on weekends or have limited operating hours, so it is important to plan your visit accordingly. You don't want to arrive at a location only to find it closed, leaving you without access to your funds.

Bring proper identification:

When cashing travelers cheques, you will typically be required to show a valid form of identification, such as your passport or driver's license. Make sure to bring the necessary identification along with your travelers cheques to avoid any delays or complications during the cashing process.

Be aware of fees and exchange rates:

Some banks or currency exchange offices may charge fees or offer less favorable exchange rates for cashing travelers cheques. It is important to inquire about any fees or charges upfront and compare the exchange rates offered by different providers. This will help ensure that you get the best value for your money.

Keep receipts and record the serial numbers:

When cashing your American Express travelers cheques, always keep the receipts provided by the authorized provider. These receipts will serve as proof of your transaction and may be required for any follow-up inquiries or issues. Additionally, it is advisable to record the serial numbers of your travelers cheques in a separate place, as this information will be needed in case your cheques are lost or stolen.

Consider alternative options:

While cashing travelers cheques can be convenient, it may not always be the most cost-effective option. Consider using other payment methods, such as credit or debit cards, which are widely accepted in London and often offer better exchange rates. Additionally, using ATMs to withdraw cash in the local currency can also be a convenient and cost-effective alternative.

In conclusion, cashing American Express travelers cheques in London can be a convenient way to access your funds while traveling. By following these important considerations, you can ensure a smooth and hassle-free experience when cashing your travelers cheques in the city. Remember to find an authorized and reputable provider, check their opening hours, bring proper identification, compare fees and exchange rates, and keep records of your transactions.

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Frequently asked questions.

American Express travelers cheques can be cashed at various banks and foreign exchange offices in London. Some popular options include banks such as Barclays, HSBC, and Lloyds, as well as currency exchange bureaus like Travelex and Thomas Cook.

The fees for cashing American Express travelers cheques may vary depending on the specific bank or exchange office you choose. It is advisable to check with them beforehand to inquire about any applicable fees.

Yes, most banks and currency exchange bureaus will require you to provide a valid form of identification when cashing American Express travelers cheques. This is done to prevent fraud and ensure the security of the transaction.

American Express has a presence in London, but it is primarily focused on credit card services rather than cashing travelers cheques. It is best to check with authorized banks or currency exchange bureaus for cashing your travelers cheques.

Some hotels in London may offer services for cashing travelers cheques, including American Express. However, it is advisable to check with your specific hotel beforehand to see if they provide this service and if any fees or restrictions apply.

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• Jose Ramos Author Editor Reviewer Traveller

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I swear by my AmEx card with a hefty annual fee. I get tons of travel perks and over $1,000 in credits for Uber, hotels, stores, and more.

• As someone who travels for work, I'm always looking for ways to make travel more cost-efficient.
• Although my  Platinum Card® from American Express charges a $695 annual fee, I find it saves me money.
• In addition to the travel perks, my card gets me over $1,000 in credits for Uber, hotels, and more.

As a full-time, on-the-go content creator, I practically live at airports and am always looking for ways to make my travel experience easier.

From trying out the latest packing cubes to looking for flight deals, I'm all about efficiency and saving money.

That's why it may be surprising to learn that one of my biggest travel game-changers involves spending money with a travel credit card. Like the 41% of Americans with a travel card , I use mine to save money on hotels, flights, and more.

Although the $695 annual fee for my American Express Platinum Card seems steep at first glance, it's actually saved me money in the long run. And, more importantly, it's made my travels much smoother.

Here are just some of The Platinum Card® from American Express benefits I use most often.

My American Express Platinum Card gives me access to the Centurion Lounge

Because I travel frequently, lounge access is important to me. Call me bougie, but I love having a quieter space to sit down and enjoy a meal and a drink before my flight.

As a Platinum cardholder, I can access Centurion and Priority Pass lounges worldwide. Of course, this benefit is only worthwhile if you, like me, enjoy eating and drinking at airports and your home airport has a Centurion Lounge.

With airport restaurants and bars charging sky-high prices for basic food and drink, enjoying complimentary gourmet food in the Centurion Lounge is a treat.

I also get a $200 airline-fee credit

As a Platinum cardholder, I can choose a qualifying airline and enroll to receive up to $200 of statement credit for incidental airline fees each year.

This includes checked bag fees , in-flight purchases, seat assignments, and airport-lounge day passes when I pay for them using my American Express Platinum Card. While these fees might seem small, they add up quickly when traveling frequently.

The $240 digital entertainment credit can be used on things like streaming services and news sites

As a frequent traveler, I rely on digital entertainment, and luckily, my card provides $20 in statement credits each month for some of the most popular digital entertainment services after enrollment.

Peacock, Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times, and The Wall Street Journal are all services that can be reimbursed if I pay for them using my Platinum card.

I always take advantage of the $200 annual hotel credit

With my American Express Platinum Card, I get a one-time $200 statement credit on a pre-paid booking with Fine Hotels + Resorts (FHR) or The Hotel Collection (THC) through American Express Travel.

I also get perks like a complimentary daily breakfast for two, room upgrades (when available), and a $100 property credit on top of the statement credit. This can generally be used at hotel restaurants or even spas, but can vary based on each property.

I use the FHR benefit each year on a special stay — this year, I stayed at the historic Royal Hawaiian on Waikiki . I received a $200 credit after paying for my room, early check-in and late checkout, free breakfasts, a room upgrade, and a property credit that I used for a nice dinner and drinks at the pool.

With my card, I can get reimbursed for Clear Plus, TSA Precheck, and/or Global Entry

In my opinion, the worst part of the airport experience is going through security. That's why I take every step possible to make things easier for myself.

With my card, I can enroll to get reimbursed for the $100 Global Entry fee, which expedites customs screenings for international arrivals in the U.S. Global Entry also includes TSA PreCheck , which makes the domestic airport-security process quicker.

I also get a $189 statement credit for CLEAR Plus, a paid membership program that uses facial recognition or fingerprints for identity verification at some airports, after enrollment.

I even get credit for Uber Eats and Saks purchases

Another perk of my credit card I can enroll in is a monthly Uber Cash benefit. Each month, $15 is deposited into my Uber account to use on rides — or my favorite, Uber Eats. I also get an extra $20 credit in December.

When I'm traveling and want to stay in, or return from a trip and don't want to hit the grocery store, I'll use the Uber benefit to get delivery using Uber Eats. Just be sure to use the benefit each month, as it doesn't roll over.

I also receive $50 in statement credit from Saks Fifth Avenue every six months after enrollment. I use this for buying gifts or small items, offsetting the cost of a larger purchase, or getting something special for an upcoming trip.

My card covers insurance for rental cars and trip delays

When I use my Platinum card, I don't spend extra money on insurance for rental cars or trip delays.

If I rent a car using my card and enroll in the program, I get secondary rental-car insurance that can cover some damages beyond what my primary insurance would.

I also have peace of mind when it comes to travel delays or interruptions.

If I book a trip with my card and the flight is delayed for more than six hours for a qualifying reason, I can get reimbursed for purchases that resulted from the delay — up to $500 per trip. This could include meals, lodging, and personal items. I hope I'll never need to use it, but it feels good to know I have it.

I find the card pays for itself in benefits

Overall, the benefits I gain from being an American Express Platinum cardholder are worth the $695 annual fee.

Because I travel so often for work, it's nice to know I have access to conveniences like lounges and expedited security programs.

For rates and fees of The Platinum Card® from American Express, please click here.

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The Vinoy Resort and Golf Club, Autograph Collection

The History Gallery off the main lobby showcases original items such as hotel keys, lobby tiles, photos, and vintage china. Guided walking tours with high tea are available.

The historic resort’s design blends Golden Age elegance with modern, contemporary style. Rooms are luxurious and timelessly decorated in an ocean-inspired blue and white color palette. Bathrooms are clad in marble.

Start your day with coffee and a homemade pastry at the French-inspired Lottie. Take in views of the marina from Paul’s Landing, which specializes in local seafood and international dishes. The indoor/outdoor Veranda highlights creative cocktails and shareable plates with Mediterranean flavors, while Parasol offers poolside seating and creative Latin cuisine.

Kickstart your day with a workout in the 24-hour fitness center, equipped with cardio equipment, Peloton bikes, and weights. Group classes include water aerobics, Pilates, and yoga. Soak up the Florida sunshine at the outdoor swimming pool, where private cabanas are available. Unwind with a massage, facial, or body treatment at the Vinoy Spa.

Tee off at the Ron Garl-designed Vinoy Golf Club, or enjoy a game of tennis. Explore the St. Petersburg Museum of History or the Salvador Dalí Museum, both nearby. Spend an afternoon at one of the nearby beaches or bike around the area on one of the hotel's electric bikes.

Location of The Vinoy Resort and Golf Club, Autograph Collection

501 5th Avenue NE. St. Petersburg, Florida 33701 United States

Tampa International Airport.

• Room upgrade at check-in, when available †
• Experience Credit : $100 property credit to spend on qualifying dining, spa, and resort activities.
• Complimentary breakfast for two people each day of stay

† Certain room categories are not eligible for upgrade.

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*Terms and Conditions

Fine Hotels + Resorts Program:  Fine Hotels + Resorts® (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer, Business, and Corporate Platinum Card® Members, and Centurion® Members. Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts are also eligible for FHR program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles® Platinum Card Members are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to the amount of the experience credit. Advance reservations are recommended for certain experience credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

The Hotel Collection Program:  The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer and Business Gold Card, Platinum Card® Members, and Centurion® Members. Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts are also eligible for THC program benefits. Delta SkyMiles® Gold and Platinum Card Members are not eligible. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Room upgrade is subject to availability and is provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to $100. Advance reservations are recommended for certain experience credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

$200 Hotel Credit:  Basic Card Members on U.S. Consumer Platinum Card Account are eligible to receive up to $200 in statement credits per calendar year when they or Additional Platinum Card Members use their Cards to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card) or when Companion Platinum Card Members on such Platinum Card Accounts pay for eligible prepaid bookings for The Hotel Collection made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card). Please note, access to the benefit may take up to 24 hours to take effect on your Card after Account opening. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $200 per calendar year, per Card Account. Fine Hotels + Resorts® program bookings may be made only by eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members and Companion Platinum Card Members on the Platinum Card Account. Delta SkyMiles® Platinum Card Members are not eligible for the benefit. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App), for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings must be processed before December 31st, 11:59PM Central Time, each calendar year to be eligible for statement credits within that year. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise).  

Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the merchant’s processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, then the statement credit available in the next calendar year will be applied. Statement credits may not be received or may be reversed if the booking is cancelled or modified. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to  AmericanExpress.com/FHR  and  AmericanExpress.com/HC  for more information about Fine Hotels + Resorts and The Hotel Collection, respectively. 

5X Membership Rewards® Points Platinum Card:  Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases on their Platinum Card® or an Additional Card on their Account and 4 additional points (for a total of 5 points) for each dollar charged for eligible travel purchases on any Card on the Account (“Additional Points”), minus cancellations and credits. Eligible travel purchases are limited to: (i) purchases of air tickets on scheduled flights, of up to $500,000 in charges per calendar year, booked directly with passenger airlines or through American Express Travel (by calling 1-800-525-3355 or through AmexTravel.com); (ii) purchases of prepaid hotel reservations booked through American Express Travel; and (iii) purchases of prepaid flight+hotel packages booked through AmexTravel.com. Eligible travel purchases do not include: charter flights, private jet flights, flights that are part of tours, cruises, or travel packages (other than prepaid flight+hotel packages booked through AmexTravel.com), ticketing or similar service fees, ticket cancellation or change fees, property fees or similar fees, hotel group reservations or events, interest charges, or purchases of cash equivalents. Eligible prepaid hotel bookings or prepaid flight+hotel bookings that are modified directly with the hotel will not be eligible for Additional Points.

Bonuses that may be received with your Card on other purchase categories or in connection with promotions or offers from American Express cannot be combined with this benefit. Any portion of a charge that the Basic Card Member elects to cover through redemption of Membership Rewards points is not eligible to receive points. Additional terms and restrictions apply.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for Additional Points. A purchase with a merchant will not earn Additional Points if the merchant’s code is not included in an Additional Points category. Basic Card Members may not receive Additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an Additional Points category. For example, you may not receive Additional Points when: a merchant uses a third-party to sell their products or services, a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers), or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

To be eligible for this benefit, the Card Account must not be cancelled. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card or visit americanexpress.com/rewards-info for more information about rewards.

5X Membership Rewards Points for Business Platinum Card:  You will get one point for each dollar charged for an eligible purchase on your Business Platinum Card® from American Express. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible travel purchases. Eligible travel purchases include scheduled flights and prepaid flight+hotel packages made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel, over the phone with our Travel Consultants or made online at AmexTravel.com, minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight+hotel packages over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 5x Membership Rewards® points, you must both reserve and charge the travel purchase with the same eligible Business Platinum Card®. To modify a reservation you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 5X Membership Rewards® point benefit. To be eligible to receive extra points, Card account(s) must not be cancelled or past due at the time of extra points fulfillment. If booking is cancelled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit. The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card. To learn about the benefits associated with Additional Card(s) you choose, please call the number on the back of your Card.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Please visit  americanexpress.com/rewards-info  for more information about rewards.

Pay with Points:  To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases through American Express Travel exclude non-prepaid car rentals and non-prepaid hotels. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points.

See  membershiprewards.com/terms  for the Membership Rewards program terms and conditions.

If a charge for a purchase is included in a Pay Over Time balance on your Linked Account the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card. Corporate Card Members are not eligible for Pay Over Time.

Terms and Conditions for the Membership Rewards® program apply. Visit  membershiprewards.com/terms  for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to  www.membershiprewards.com/pointsinfo .

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit  americanexpress.com/travelterms

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Money matters

Prices have risen rapidly in the past few years, and St. Petersburg is now on a par with (or even slightly more expensive than) most major European cities for groceries, dining out, nightlife, entertainments, and sightseeing. While the cost of museums and cultural events is generally lower than elsewhere in Europe, almost nothing is free, and several cultural institutions (including the Mariinsky Theatre and the Hermitage) continue to operate a dual price system whereby foreigners pay considerably more than Russian citizens.

That said, there are still some pleasant surprises for visitors to the city. Public transport is on the whole very cheap, and that includes taxis (provided you use reputable taxi firms and indulging your bad habits will also cost very little, provided you stick to vodka and cigarettes. The average tourist should probably budget to spend around $100 per day excluding accommodation, while budget travelers will probably be able to get by on around $30 per day with a little effort.

Currency Questions

Since the crash of 1998, the Russian ruble has remained fairly stable, except for a few wobbles during the 2008 financial crisis, standing at around 30 rubles to the US dollar and around 40 rubles to the euro. You can see today's exchange rates here . One ruble is 100 kopeks, and denominations are as follows: Notes - 50, 100, 500, 1000 and 5000 rubles; Coins - 1, 5, 10 and 50 kopeks, 1, 2, 5 and 10 rubles. Some 10-ruble notes are still in circulation, but rarely seen in Moscow or St. Petersburg. Why one kopek coins exist is something of a mystery, but they're quite fun to keep.

It is illegal to charge for goods or services in any currency other than rubles, and no longer will taxi drivers or bartenders happily take your dollars. Nonetheless, salaries and rents are still sometimes quoted 'unofficially' in dollars. There may also still be some bars and restaurants quoting prices in 'y.e.', which means 'standard units'. Popular in the late 1990s and early 2000s, this system allowed establishments to set their own conversion rate, normally somewhere between, and thus not have to alter their menus every time the ruble jumped. With the currency's increased stability, this practice has thankfully almost completely disappeared.

Recent legislation has dramatically cut the number of places you can exchange money in St. Petersburg, although there are still many more bureaux de change than in most European cities, some open 24-hour. The market is very competitive, and it's worth shopping around to find the best rates, particularly if you plan to change large sums. This only applies to dollars and euro, though, and other currencies are normally only changeable at larger banks or central exchange offices. Commission is normally negligible.

How To Bring Money To Russia

Buying rubles abroad is usually extremely difficult, and exchange rates, at least for dollars and euro, are much more competitive in St. Petersburg. If you want to carry cash, then bring it in one of those currencies.

Otherwise, the easiest way to access funds is through ATM machines once you get to St. Petersburg. Machines have sprung up all over the city in the last few years, and can be found in the lobbies of most hotels, in metro stations and, of course, next to banks. The flat-rate charges are small, and exchange rates are normally reasonable (although there's little way of checking beforehand).

Traveller's cheques are, of course, a safe option, and can now be exchanged in any branch of Sberbank, Russia's national savings bank, and several other large banks.

Credit and bank cards are now widely accepted in large shops, most restaurants (including fast-food outlets), and larger bars and nightclubs. It is always worth checking before you order, however, as some businesses don't consider it a major problem if their card terminals are out-of-order for a few days. Visa and Mastercard are accepted almost everywhere, while American Express and Diner's Club can rarely be used.

It is also worth noting that, due to high instances of card fraud emanating from Russia, some Western banks need to be notified of your travel plans, otherwise they may block your card automatically after the first time you use it in Russia, whether to make a payment or withdraw cash.

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