STAY UP TO DATE

The Grey Blog

Dive into our latest product updates, user interviews, finance tips, and strategic insights from the Grey team.
Section decorative curveDecorative elementSection decorative curve mobile
ALL ARTICLES
The best prepaid travel cards for international payments

The best prepaid travel cards for international payments

Best prepaid travel cards for international payments ranked by fees, exchange rates, and acceptance. Find the right card for your trip. Compare now.

•

•

6 min read

The cost of travelling abroad does not stop when you have paid for your flight and hotel. Once you arrive, everyday spending can become more expensive when your bank adds foreign transaction fees, uses a poor exchange rate or charges you each time you take out cash. A prepaid travel card can help you avoid some of these costs by letting you load money before your trip and spend from that balance in supported currencies.

But choosing one is not simply about finding a card with no transaction fee. The exchange rate, ATM charges, loading fees, supported currencies, and where the card is accepted can all affect how much your trip really costs. Some cards also work better for international payments than others, particularly when you need to pay online or use your card across several countries.

This guide compares the best prepaid travel cards for international payments, so you can choose one that keeps your travel money easier to manage and helps you avoid unnecessary fees.

Also read: How non-US residents can get a virtual dollar card in 2026

A prepaid travel card lets you load money before you travel and spend in local currencies without paying foreign transaction fees on every purchase. The best options avoid ATM fees, charge the mid-market exchange rate or close to it, and work in most countries. Top picks include Grey, Wise, Revolut, and Caxton.

What is a prepaid travel card, and how does it work?

When you travel abroad, the way you pay can affect your budget almost as much as where you stay or what you eat. A prepaid travel card lets you set money aside before your trip, load it onto the card, and spend from that balance when you arrive. Most work much like debit cards, but you are spending money you have already loaded rather than borrowing from a credit provider.

This is where a prepaid travel card differs from a standard debit card or credit card. A normal debit card does not automatically protect you from foreign transaction fees, while a credit card lets you spend borrowed money and may charge interest if you do not repay the balance in full. Prepaid cards give you tighter control because you can only spend what you have loaded.

The exchange rate is another important difference. Some cards let you convert your money when you load the card, locking in that rate before you travel. Others convert your balance when you make a purchase, using the rate in effect at that time.

For travellers, live-rate cards can be more flexible because you are not locked into a rate chosen days or weeks before your trip. If the provider uses a competitive rate with a low markup, your money can be converted closer to the time you actually spend it.

Also read: What is a dollar card and how does it work?

What to look for in a prepaid travel card

The right prepaid travel card should keep international spending simple, with low fees, competitive exchange rates, wide acceptance and easy access to your money.

  • Foreign transaction fees and FX markups. When comparing a prepaid travel card, start with the cost of spending abroad. Check whether the provider charges a foreign transaction fee or adds an FX markup to its exchange rate.
  • ATM withdrawal fees. ATM costs matter too, particularly if you expect to withdraw cash during your trip. Check the withdrawal fee and the monthly withdrawal limit before charges apply.
  • Supported currencies. Look at the currencies supported. Some cards let you hold several currencies, while others automatically convert your balance when you pay.
  • Visa or Mastercard acceptance. Visa and Mastercard are both widely accepted internationally. Check whether the card works in the countries you plan to visit and whether you can add it to Apple Pay or Google Wallet.
  • Easy top-ups. Finally, consider how easily you can top up the card from your local bank account. A simple funding process means you can add money when needed without unnecessary steps or delays

The best prepaid travel cards compared

Here’s how popular prepaid travel cards compare on exchange rates, ATM costs, monthly fees, supported currencies and the travellers they suit best.

Card FX markup on spending ATM free allowance ATM fee above allowance Monthly fee Currencies supported Best for
Grey Custom spread (~1% to 2%) + 2% on non-USD payments N/A (virtual-only setup, no cash access) N/A $0.00 3 (USD, GBP, EUR wallets) African freelancers and remote workers receiving international payments
Wise 0% (mid-market rate). Small variable processing fee from 0.24% £250/month (maximum 2 withdrawals) 2% + £0.50 per transaction $0.00 (£7 one-time physical card fee) 40+ currencies Travellers who want transparent multi-currency spending and clear conversion fees.
Revolut 0% on weekdays up to £1,000/month; 1% markup on weekends £200/month (maximum 5 withdrawals) 2% of the amount withdrawn $0.00 30+ currencies Online spending and flexible card management
Monzo 0% (direct Mastercard exchange rate) £200/month outside the UK/EEA 3% of the amount withdrawn $0.00 (paid plans offer higher limits) GBP base balance with automatic conversion Everyday spending and managing travel money
Caxton 0% when spending pre-loaded currencies; 2.49% for unsupported currencies Unlimited free withdrawals abroad when using a pre-loaded currency £0.00 abroad; £1.50 at UK domestic ATMs $0.00 (£2/month after 12 months of inactivity) 15 pre-loadable currencies Locking in an exchange rate before travelling
Post Office Travel Money Card 0% for loaded currencies; 3% when spending across currencies or when the balance drops Unlimited free withdrawals abroad for pre-loaded currencies Fixed network fee of roughly £1.50 / €2.00 / $2.50 $0.00 (£2/month after 18 months of inactivity) 22 currencies -

Grey Visa travel card for international spending

Travelling with one card can make payments easier, especially when you are moving between countries with different currencies. The Grey Card is a Visa virtual card that can be used globally wherever Visa is accepted, giving you a convenient way to pay for online purchases, subscriptions and other eligible card payments while abroad.

One useful feature is that you can hold money in different currencies through your Grey account, including USD, GBP and EUR. When you make a payment, you can spend from the balance that suits the transaction, rather than converting your money before every purchase. This can make managing travel spending simpler when you already hold funds in more than one currency.

Grey also charges no foreign transaction fee on eligible card spending. If you regularly receive money internationally or travel between countries, the Grey virtual card lets you keep your supported currencies together and use them for everyday international payments.

Also read: Best prepaid and virtual cards for travellers

How to avoid hidden fees when paying abroad

Paying abroad can cost more than expected when exchange rates and card fees are factored in for everyday purchases. One of the easiest ways to avoid unnecessary charges is to always pay in the local currency. If a card machine or ATM asks whether you want to pay in your home currency, choose the local currency instead. This avoids dynamic currency conversion, where the merchant or ATM provider sets the exchange rate, which may be less favourable.

You can also reduce costs by using your card directly for purchases whenever possible, rather than withdrawing cash. Cash withdrawals may come with ATM fees, provider charges or additional limits, so check your card's withdrawal terms before relying on cash while travelling.

Before your trip, take a few minutes to check your card’s foreign exchange terms, particularly if you will be travelling over a weekend.

  1. Check whether weekend FX markups apply.
  2. Check the exchange rate used for card payments.
  3. Check ATM fees and your free withdrawal allowance.
  4. Check any fees for topping up or converting currencies.

Knowing these charges before you travel makes it easier to choose how and when to spend your money abroad.

Which prepaid travel card is best for your trip?

There is no single best prepaid travel card for every traveller. The right choice depends on how often you travel, whether you are visiting one country or several, and whether you mainly need a card for spending or a broader way to manage international money.

Use the table as a starting point, then check the card’s current fees, supported currencies, spending limits and availability in your destination before making a choice.

Traveller type Card to consider Why it may suit you
Budget traveller Wise or Grey For keeping international spending cost low
Frequent traveller Revolut premium More travel perks
Single country traveller Single currency prepaid card When you need only one currency
Digital nomad Grey Multicurrency management
Digital nomad Grey Multicurrency management

Frequently asked questions

What is the best prepaid travel card in the UK?

Wise is a strong choice for travellers who want competitive exchange rates and multi-currency spending. Other options, including Revolut and Post Office Travel Money Card, may suit different needs, so compare fees, currencies and ATM costs before choosing.

Are prepaid travel cards better than credit cards for travel?

It depends on how you travel. Prepaid cards can help you control spending because you use money loaded onto the card, while travel credit cards may offer rewards, purchase protection or other benefits. Compare exchange rates, fees, insurance and spending habits before deciding.

Do prepaid travel cards charge ATM fees?

Some do, while others offer a fee-free allowance. For example, Revolut Standard allows fee-free withdrawals up to £200 per month, while Post Office charges withdrawal fees that vary by destination. The ATM itself may also add a separate charge.

What is dynamic currency conversion and should I avoid it?

Dynamic currency conversion lets a foreign merchant or ATM convert your purchase into your home currency. The exchange rate can include a markup, making the transaction more expensive. When given the choice, paying in the local currency usually lets your card provider handle the conversion instead.

Can I use a prepaid travel card in any country?

Not necessarily. Acceptance depends on the card network, supported currencies and the provider's country restrictions. Some cards can still process payments in unsupported currencies, but additional conversion or cross-border fees may apply. Always check your destination before travelling.

What happens if I lose my prepaid travel card abroad?

Most providers let you freeze a lost card to prevent further spending, while some offer replacement options. Because a prepaid card uses a loaded balance rather than your main bank account, keeping the card separate can also limit your exposure if it is lost.

Going Abroad? Here’s your international travel checklist

Going Abroad? Here’s your international travel checklist

Use this international travel checklist to sort documents, health, packing, phone and money before you fly, so nothing is forgotten. Read on.

•

•

6 min read

International trips come with a longer to-do list than most of us realise.

There are the obvious things, like checking your passport and packing your clothes. Then there are the things you might only remember at the last minute: travel insurance, an adapter, mobile data, copies of your documents or a card that works in another country.

So, instead of trying to keep all of that in your head, use this international travel checklist to work through it before you leave.

It covers your travel documents, health and insurance, packing, phone and connectivity, and money, so you can check each one off as you prepare.

What travel documents do you need for an international trip?

Your passport is the obvious one, but there may be several other documents you need before you can travel.

Start by checking the entry requirements for your destination based on your nationality. Some countries allow visa-free visits, while others require a visa or electronic travel authorisation before arrival. Your passport may also need to remain valid for a certain period beyond your travel dates.

Do this early rather than assuming you can sort everything a few days before your flight. Depending on the destination, getting the right visa or travel authorisation can take time.

Before you travel, check that you have:

  • A valid passport
  • The visa or travel authorisation required for your destination
  • Flight confirmations and your itinerary
  • Accommodation confirmations
  • Proof of onward or return travel, if required
  • Any additional documents requested at immigration
  • Digital or paper copies of important documents

It’s a good idea to keep copies of your passport, visa and other important documents somewhere separate from the originals. Having digital copies you can access from another device can also be useful if your phone or physical documents are lost.

If your journey includes a connection in another country, check its transit requirements too. Depending on your nationality and itinerary, you may need additional documentation even if you’re only changing planes.

What health and insurance preparations should you make?

Nobody wants to spend the weeks before a holiday thinking about getting sick. Still, a little preparation here can make a big difference if something does happen while you’re away.

Check the health requirements and recommendations for your destination well before departure. Depending on where you’re travelling, you may need certain vaccinations or proof of vaccination to enter.

The World Health Organization provides travel health information, but you should also check official guidance for your destination and speak to a healthcare professional if you have questions about vaccinations or medication.

Add these to your checklist:

  • Check vaccination requirements and recommendations
  • Arrange travel insurance
  • Pack enough prescription medication for your trip
  • Keep medication in its original packaging where possible
  • Bring copies of prescriptions or supporting medical documents if needed
  • Check whether your medication is restricted at your destination
  • Save your travel insurer’s emergency contact details

Travel insurance is also worth arranging before you leave. Policies vary, so check what yours actually covers, particularly medical treatment, cancellations, delays and lost belongings.

If you take prescription medication, don’t assume you can simply buy more when you arrive. Rules around medication vary between countries, and some medicines that are commonly available at home may be controlled elsewhere.

What should you pack for international travel?

Packing depends heavily on where you’re going and what you’ll be doing there, but there are a few essentials that belong on almost every travel checklist for international travel.

Start with what you’ll genuinely use rather than trying to prepare for every possible scenario. Check the weather forecast shortly before you pack and think about your plans for each day. A beach holiday, work trip and week of hiking obviously call for very different suitcases.

For the basics, check off:

  • Clothes appropriate for the weather and your plans
  • Comfortable shoes
  • Toiletries
  • Prescription medication
  • Phone and other devices
  • Chargers and cables
  • A travel adapter for your destination
  • Headphones
  • Reusable water bottle, if useful for your trip
  • Any destination-specific essentials

Your carry-on deserves its own mini checklist. Keep anything difficult or expensive to replace with you rather than putting it in checked luggage.

That includes:

  • Passport and travel documents
  • Wallet and cards
  • Phone
  • Medication
  • Valuables
  • Chargers
  • A change of clothes and basic toiletries

If your checked bag is delayed, having the essentials with you can make the first day of your trip considerably easier.

And check your airline’s baggage rules before packing. Cabin bag dimensions, weight allowances and restrictions can vary between airlines and ticket types.

How can you stay connected while travelling abroad?

Working out how you’ll get online is much easier before you arrive than after you land and discover your usual mobile plan charges a small fortune for roaming. International roaming is one option, and for short trips it may be convenient. But depending on your mobile provider and destination, it can be expensive.

A local SIM is another option. You can usually buy one at the airport, a mobile shop or convenience store after arrival, although you may need to show identification and physically swap your existing SIM.

If your phone supports it, an eSIM gives you another option. It’s digital, so there’s no physical SIM to insert or remove. You can buy a data plan for your destination and set it up on your phone, sometimes before you even leave home.

Before travelling, check:

  • Your mobile provider’s international roaming rates
  • If your phone is unlocked
  • Which phones support eSIM
  • How much data you expect to use
  • Coverage at your destination
  • That your eSIM or roaming plan is ready before arrival

If you’re an iPhone user, you can also check how to activate an eSIM on iPhone before your trip. It’s worth downloading anything important while you still have reliable Wi-Fi too. Save your boarding passes, accommodation details, maps and transport information offline where possible.

That way, you’re not completely dependent on finding airport Wi-Fi the moment you arrive.

How should you manage money when travelling abroad?

Money deserves a little more planning than simply checking that there’s enough in your bank account.

Before travelling, think about what currency you’ll need, how you’ll pay for everyday purchases and what you’ll do if your main payment method doesn’t work.

Start with:

  • Check the local currency at your destination
  • Find out how widely cards are accepted
  • Check your card’s foreign transaction and currency conversion fees
  • Make sure your card can be used internationally
  • Have a backup payment method
  • Keep a small amount of local cash if useful
  • Check ATM fees and withdrawal limits
  • Avoid keeping all your cards and cash in the same place

Having a card that works abroad can make everyday spending easier, particularly if you’re travelling between countries or paying in different currencies.

It can also be useful to hold multiple currencies rather than converting money every time you need to make a payment. With Grey, you can hold supported currencies in your account and use your Grey Card for international payments.

Before paying, always check which currency you’re being charged in. Some shops, hotels and ATMs may offer to convert the transaction into your home currency. The rate offered may differ from the rate your card provider would use, so check the amount and conversion before accepting it.

Your card can also be useful before the trip itself. From booking activities to paying on international sites, having an international payment method gives you more flexibility when arranging things in advance.

It’s still sensible to travel with a backup. Keep another card or some emergency cash somewhere separate from your main wallet so one lost wallet doesn’t leave you without access to money.

Your international travel checklist before you leave

A few days before your trip, do one final run-through.

  • Passport is valid and packed
  • Visa or travel authorisation is approved
  • Flights and accommodation are confirmed
  • Important documents are saved offline
  • Travel insurance is active
  • Medication is packed
  • Clothes and essentials are ready
  • Travel adapter and chargers are packed
  • Roaming, SIM or eSIM is sorted
  • Offline maps and important information are downloaded
  • Your main card works internationally
  • You have a backup way to access money
  • You have any local cash you want to carry

You don’t need to prepare for every possible thing that could happen while you’re away. The aim is simply to take care of the things you can sort in advance, so you’re not trying to solve them from an airport terminal or hotel lobby.

Frequently asked questions about preparing for international travel

What should be on an international travel checklist?

Your international travel checklist should cover your passport and other travel documents, visas, health requirements, travel insurance, medication, clothing, chargers and adapters, phone connectivity and how you’ll access and spend money abroad.

You can also add destination-specific items based on the weather, activities you have planned and local entry requirements.

What documents do I need for international travel?

At a minimum, you’ll need a valid passport. Depending on your nationality and destination, you may also need a visa or travel authorisation, proof of accommodation, a return or onward ticket and other supporting documents.

Always check the official entry requirements for your destination before travelling.

Should I get travel insurance for an international trip?

Travel insurance can help cover unexpected costs related to medical treatment, cancellations, delays, lost luggage and other problems, depending on your policy.

Read the terms carefully before buying so you know exactly what is and isn’t covered.

How do I get mobile data abroad?

You can use international roaming from your existing mobile provider, buy a physical SIM at your destination or use an eSIM if your phone supports one.

Compare the cost, data allowance and coverage of each option before choosing.

What is the best way to spend money abroad?

The best option depends on your destination and how you prefer to pay. A card that supports international payments can be useful for everyday purchases, while a small amount of local cash can help in places where cards aren’t accepted.

It’s also a good idea to have a backup payment method and check any currency conversion or international transaction fees before travelling.

How early should I prepare for an international trip?

Start checking passport validity, visa requirements and vaccinations as soon as you know where you’re travelling, as some applications and health preparations can take weeks or longer. Packing, connectivity and spending arrangements can usually be handled closer to departure, but sorting them a few days in advance gives you time to fix any problems.

With the practical details taken care of, there’s one less thing competing for your attention when your trip begins.

Get a Grey virtual card before you travel and have a way to pay when you’re abroad.

How to save for a trip when you get paid in different currencies

How to save for a trip when you get paid in different currencies

Saving for a trip when you earn in different currencies? See how much to set aside and how to avoid conversion fees, then open a Travel Pouch to start.

•

•

6 min read

Let’s start with a question. If you earn in one currency and spend in another, which currency do you save in, when do you convert, and how do you make sure the money you set aside today is worth what you expect when you arrive?

For example, there’s a freelancer billing clients in USD and euros, another remote worker paid in GBP while living abroad, and an NRI receiving income from multiple countries: for all of these people, the standard advice of “open a savings account and set up a standing order” doesn’t quite fit. The currency question comes first. You can do everything else correctly, save consistently, hit your target number, and still arrive with less purchasing power than you planned because conversion happened at the wrong time, through the wrong provider, or in the wrong direction.

In this guide, I cover how to save money for a trip when your income comes in more than one currency: how to set a realistic target, which currency to save in, why the timing of conversion matters, and the simplest method to automate savings so the money builds without friction every month.

How much should you save for a trip?

Before the currency question, you need a number. While a rough estimate or a figure borrowed from someone on a different budget can be a good starting point, a number based on the actual costs of your specific trip will be more helpful.

A useful working framework has four components: flights, accommodation, daily spending, and a buffer.

Flights and accommodation are fixed costs you can price out before you commit to saving. Try to use real quotes for your travel dates and destination, not averages. Daily spending varies more, but most destinations have reliable benchmark figures: what a meal costs at a local restaurant, what transport between sites runs to, and what attractions charge for entry. For a detailed look at what a specific trip actually costs, see our guide on how much a trip really costs, which breaks down real expenses by category.

Once you have the total, here’s a simple calculation you can use.

Target ÷ months to go = monthly savings target

If you want to spend €3,000 on a three-week trip to Europe and you have 10 months until you leave, you need to set aside €300 per month. If you can only manage €200 per month, you either leave in 15 months or reduce the budget. The formula is the same regardless of how many currencies you earn in.

Add a 10-15% buffer to your estimated total. Prices change, exchange rates move, and unexpected costs appear on almost every trip. A buffer ensures that a surprise doesn’t derail the plan.

Once you have your target and your monthly contribution figure, the next question is which currency to save in.

For help building out the rest of your trip plan, see our guide on how to plan a trip.

Why converting your money too early costs you

For someone paid in different currencies, the temptation is to consolidate everything into one home currency and then save in that. It’s tidier for sure, but it can cost you if you convert at the wrong moment.

When you convert currency, you don’t receive the mid-market rate (the rate you see on Google) instead, you receive a rate that includes the provider’s margin, typically 2 to 4% at a traditional bank. On a €3,000 travel budget converted at a 3% margin, that’s €90 that never reaches your travel fund. If you make that conversion nine months before you travel, you’ve locked in today’s rate and paid the margin, with no ability to benefit from any movement in the exchange rate between now and your departure.

For multi-currency earners, the risk has an additional layer: converting from currency A to your home currency, and then converting again from your home currency to the destination currency. Every hop carries a margin. The fewer the conversions between your income and your travel spending, the more you keep.

The practical approach is to save directly in the currency you will spend, or in a stable currency closely tied to it, and convert only what you need closer to travel. If you earn in USD and you're travelling to Japan, saving in USD and converting to JPY shortly before departure is more efficient than converting USD to your home currency on receipt and then converting again before the trip. If you earn in EUR and you’re travelling to Europe, saving in EUR eliminates the conversion problem entirely. The balance in your travel fund represents exactly what you’ll have to spend.

For people with multi-currency income, this means using a multi-currency account where different currency earnings can sit in their original currency until they’re ready to convert. Spending abroad with the Grey card, directly from your travel currency balance, means the money you saved arrives at your destination as spending power, not as a smaller amount after a last-minute kiosk conversion.

How to save when you are paid in different currencies

For people with income across more than one currency, here is a method that accounts for the specific challenge.

  1. Pick the currency your trip is denominated in. If your destination uses a major currency (EUR, USD, GBP, JPY), saving in that currency from the start removes a conversion step and protects you from exchange-rate movements during the savings period. If your destination uses a less widely held currency, saving in a major currency and converting shortly before travel is more practical.
  2. Decide which income stream funds the trip. If you earn in multiple currencies, allocate the contribution to the stream that's already in the right currency or to the stream where conversion will cost the least. If you bill US clients in USD and you’re saving for a trip to the US, contributions from USD income go directly to the travel fund without any conversion cost.
  3. Set a specific numerical target. Not “roughly €3,000” but exactly €3,000, or whatever your trip budget requires. A specific target lets you track progress clearly and know exactly when you’ve reached the goal.
  4. Automate a fixed contribution each month. Automation is the most effective saving habit available to anyone with irregular or multi-currency income, precisely because it removes the month-by-month decision. Set a recurring transfer or allocation from whichever account or currency balance you’re funding the trip from, on the same date each month, and don’t adjust it unless your income changes significantly.
  5. Direct windfalls straight to the trip fund. Any bonus, unexpected client payment in a currency that would otherwise sit idle, or a tax refund should go directly to the travel fund before it can be absorbed into general spending. Even one or two windfall contributions per year can meaningfully shorten the time to your target.
  6. Review the target if plans or exchange rates change significantly. If flights get more expensive, if your travel dates shift, or if the exchange rate between your earning and spending currencies changes substantially, update your target and contribution to reflect the new reality. A savings plan that reflects the current version of your trip is more useful than one built on early estimates.

The easiest way to save for a trip: automate it

The most reliable saving method is the one that requires the least ongoing willpower. The problem of deciding which currency to contribute, in what amount, and to which account, is enough to delay or derail contributions that a single-currency saver would complete quickly.

Automation removes that friction. Just set it up so the contribution is made on payday, in the right currency, to the right balance, before the money can be spent elsewhere or consumed by general living costs.

Goal-based savings tools, where you name a goal, set a target amount, and track progress toward it, add a practical layer beyond simple automation. When your travel fund is clearly labelled, has a target number attached to it, and is separate from your everyday spending balance, you’re less likely to dip into it for non-trip expenses.

For multi-currency earners, the most useful version of this is a goal-based balance in the currency required for the trip, rather than a generic savings account in the home currency that must be converted before departure. Saving €3,000 in a euro-denominated travel fund that you contribute to directly from euro client income means the balance represents exactly what you have to spend, without a conversion step at the end.

How to create a Travel Pouch in Grey

With Grey, you can create a travel Pouch to set money aside, set a target amount in the currency of your choice, and contribute toward it from your Grey balance. For a multi-currency earner, this means you can create a travel fund in EUR, GBP, or USD, whichever currency your trip requires, labelled with the trip it’s for, and tracking progress visually toward the target.

Here’s how to set one up:

Step one:
Open the Grey app, go to “Grow” and select the option to “Create a Pouch”.

Step two:
Select “Start saving” and choose the currency you want to save in.

Step three:
Give your pouch a name, for example, “Paris summer,” and select what it’s for, in this case, “Travel”. You can also enable round-ups, so extra change from every card spend goes to the pouch.

Step four:
Make your first contribution. Transfer a minimum initial amount of $10, €10, or £10 from your Grey balance in the relevant currency.

Open a Travel Pouch, and set money aside today.

Frequently asked questions on how to save for a trip when you get paid in different currencies

How much should I save for a trip?

Set your total budget by pricing out flights and accommodation as fixed costs, then estimating daily spending based on your destination. Add 10 to 15% as a buffer. Divide the total by the number of months until you travel to get your monthly savings target. A two-week trip to Southeast Asia on a mid-range budget might require $2,000 to $3,000 total; a similar trip to Western Europe or Japan typically costs $3,500 to $5,000 or more. For multi-currency earners, budget in the currency you'll spend, not the currency you earn, to avoid exchange rate surprises at the end.

How far in advance should I start saving?

Six to twelve months is a reasonable window for most trips. The earlier you start, the smaller each monthly contribution needs to be. For multi-currency earners, starting earlier also gives you more flexibility on when to convert: if you're saving in a different currency from your income, a longer saving period means more opportunities to convert at a favourable rate rather than being forced to convert at whatever rate exists the week before departure.

Should I save in my home currency or the destination currency?

For multi-currency earners, the best answer is to save in the currency you'll spend, or in the currency you earn that requires the fewest conversions to get there. If you earn in EUR and you're travelling to Europe, save in EUR and skip the conversion entirely. If you earn in USD and you're travelling to Japan, save in USD and convert to JPY shortly before you travel. Every unnecessary currency conversion costs a margin. The fewer conversions between your income and your travel spending, the more you keep.

How do I avoid losing money to conversion when I earn in multiple currencies?

Use a multi-currency account to hold earnings in their original currency rather than converting everything to a home currency on receipt. When you do convert, use a provider with a transparent, low margin rather than a traditional bank rate. Grey's conversion fee is 1%, capped at $6, with the rate shown before you confirm. Choose a travel fund denominated in the currency you'll spend so you only convert once, at the right time, rather than converting repeatedly throughout the saving period.

What is the easiest way to save for a trip automatically when I earn in different currencies?

If you can, set up a recurring transfer to a dedicated travel fund in the currency your trip requires, timed to run on the same date each month. For multi-currency earners, the key is choosing which currency balances the contribution before you set up the automation, so the transfer happens cleanly without a monthly decision. Grey's Pouches feature lets you create a named travel fund in a specific currency and contribute from your Grey balance, separating your travel savings from everyday spending and preventing accidental dipping.

Canadian passport renewal: Steps, fees and timelines

Canadian passport renewal: Steps, fees and timelines

Renewing a Canadian passport in 2026? Here are the eligibility rules, steps, fees and processing times, plus how to renew from abroad. Start today.

•

•

6 min read

Realising your Canadian passport is about to expire while planning for a trip can be a bit distressing, especially if you had an unpleasant experience when applying for the passport the first time. However, renewing your Canadian passport is not much simpler than when you first applied, whether you are in Canada or living abroad.

To renew a Canadian passport, most adults can use the simplified renewal process if their previous passport was issued in the last 15 years, is undamaged, and is in their current name. You submit a renewal form, two photos, your old passport and the fee. An adult 10-year passport costs CAD 163, while the 5-year adult passport costs CAD 122.50 if you live in Canada. It is more expensive for adults living outside Canada.

This guide covers who can renew, the exact steps to take, current fees, realistic processing times, and how to handle a renewal when you’re outside the country. Note that the process might change from time to time or might depend on your situation. Always confirm the updated process and requirements. But here is a general guide.

Who can renew a Canadian passport?

Most adults can renew their Canadian passport using the simplified renewal process, which requires fewer documents than applying for a new passport. You no longer need a guarantor or proof of Canadian citizenship.

You can renew your passport if:

  • Your previous adult passport was issued within the last 15 years
  • The passport is undamaged and not reported lost or stolen
  • The passport was valid for 5 or 10 years
  • Your name matches your previous passport, or you have legal documentation of a name change
  • The new passport will bear the same date of birth, birthplace, and the same gender identifier
  • You were 16 or older when your previous passport was issued

If you don’t meet the criteria for renewing your passport, then you must apply for a new one if:

  • Your previous passport was issued more than 15 years ago
  • Your previous passport was damaged, lost, or stolen
  • You were under 16 when your previous passport was issued
  • This is your first adult passport
  • You need to change your details (name, birthplace, date of birth, or gender identifier)

Children's passports cannot be renewed. They are required to submit a new application.

How to renew a Canadian passport step by step

Here is a stepwise guide to renew your Canadian passport:

Step 1: Complete the renewal application form

Download and fill in the simplified renewal application form (Form PPTC 054) from the Government of Canada's official website. Forms from unofficial websites might not be up to date.

Step 2: Get two passport photos

Photos must meet the current stipulated specifications, including the correct size, quality requirements, neutral facial expression, background, etc. The photographer should write or stamp the studio name, address, and date on the back of one of the photos. Most photographers (especially in Canada) are already conversant with these compliance requirements.

Step 3: Gather your documents

You will generally need your most recent passport, completed application form, two passport photos, and any legal documents needed to support a name change.

Step 4: Pay the applicable fee

Fees are paid at the time of application and are non-refundable regardless of the outcome.

Step 5: Submit your application

You can submit in person at a Service Canada location or a passport office, or by mail. In-person submission at a passport office is generally faster for processing.

Step 6: Wait for processing and collect or receive your new passport

Processing times vary depending on submission method, as discussed in detail below.

Canadian passport renewal fees

The Canadian government reviews passport fees from time to time, so prices can change. It’s best to check the latest fees on the official Government of Canada website before applying. Here are the current fees, which vary depending on the passport’s validity period, whether you’re applying from inside or outside Canada, and whether the applicant is an adult or a child.

‍

All passport fees are non-refundable once an application has been submitted, regardless of whether the application is approved. So, ensure your documents and eligibility are correct before submitting.

If you are replacing a stolen or lost passport while still valid, you need to pay an additional CAD 45. There might be additional charges if you request other services.

How long does a Canadian passport renewal take?

Processing timelines typically depend on where and how you submit your application. However, online processing generally takes about 20 business days, including mailing time.

‍

If you have upcoming travel plans, apply as early as possible. Urgent and express services may be available for an additional fee, but availability depends on the location and your circumstances. Verify that the service is available at your nearest passport office. This might cost an additional CAD 383.50.

Since the processing times for a Canadian passport can vary significantly depending on your situation and during peak travel seasons, apply well in advance of any planned travel date. Since you can apply within 6 months of the passport expiring, you should apply as soon as possible to avoid the stress and cost of expedited services.

Renewing your Canadian passport from outside Canada

If you are living or travelling outside Canada when your passport needs renewal, you can apply through the nearest Canadian embassy, high commission, or consulate.

The process is similar, but there are a few differences:

  • You may need to apply in person or by mail, depending on the Canadian mission.
  • Applications are typically submitted directly to the Canadian mission serving your country of residence, either in person or by mail, depending on the mission's specific procedures
  • Processing times from abroad are generally longer than within Canada, often extending to several weeks or months, since applications must sometimes be forwarded to Canada for processing
  • Fees may include additional charges specific to processing through a foreign mission, on top of the standard passport fee
  • Some countries do not have a full Canadian embassy but are served by a consulate or through a neighbouring country's mission, which can add complexity

Paying fees while abroad

Paying the new passport fee from outside Canada often requires payment in a specific accepted currency, depending on the mission. So, they might not use Canadian dollars directly. If you live abroad and regularly need to pay expenses in Canada, a multi-currency account can make it easier to hold foreign currencies and send CAD while avoiding unnecessary conversions.

If you live abroad and need to send money to Canada to help cover fees or other costs while you are processing your renewal, Grey shows the exchange rate and fee before the transfer is confirmed. Grey charges a flat fee of $2.50 for bank transfers and $3 for INTERAC.

For everyday spending while abroad, paying with a Grey card connected to a foreign currency balance avoids repeated foreign transaction fees. You can also use a Grey card to pay for your passport renewal fees and other travel expenses.

Learn more about sending money to Canada with Grey

Renewing a child's Canadian passport

Children under 16 cannot use the adult simplified renewal process. If your child's passport is expiring, you need to submit a new child passport application.

Here are the main things to know:

  • Parental consent: Both parents or legal guardians generally need to sign the application. If only one parent can provide consent, you may need additional documents.
  • Guarantor: A guarantor may be required to confirm the child's identity and support the application.
  • Validity: A child's passport is generally valid for five years. Check the current requirements on the Government of Canada's website before applying.
  • Photos: You need two new, identical passport photos that meet Canada's current requirements. Getting a suitable photo of a baby or young child may take a few attempts.

Because you need to apply for a new child passport rather than use the simplified adult renewal process, ensure there is enough time to gather the required documents and photos.

Manage your money abroad with Grey while handling passport renewal and other Canada-related costs from wherever you live.

Frequently asked questions about renewing Canadian passports

Can I renew my Canadian passport online?

Canada does not currently offer a fully online passport renewal application as some other countries do. You can complete and print the application form electronically in some cases, but submission requires either an in-person visit to a Service Canada location or a passport office, or submission by mail, along with your physical documents and photos.

Do I need new photos for the new passport?

Yes. Every passport application, including a simplified renewal, requires two new, identical, current photos meeting Government of Canada specifications. Photos from your previous passport application cannot be reused, even if they are relatively recent, since passport photo requirements specify the photo must be taken within a defined recent period before submission.

What if my name has changed?

If your legal name has changed since your previous passport was issued, whether through marriage, divorce, or a legal name change process, you can still generally use the simplified renewal process, but you will need to provide official legal documentation supporting the name change (such as a marriage certificate or court order) alongside your application.

Can I keep my old Canadian passport?

Your previous passport is typically returned to you after renewal, though it will usually have a corner clipped or be marked as cancelled to prevent it from being used for travel or identification purposes going forward. Many people keep their old passport for personal records or because it contains visa stamps and travel history they want to retain, even though it is no longer valid for travel.

How early should I renew my Canadian passport before travel?

Apply well in advance of any planned travel, ideally several months in advance, given that processing times can vary with seasonal demand and unexpected delays. Many countries also require your passport to be valid for a minimum period beyond your travel dates (commonly at least 6 months), so factor this requirement into your timing alongside the renewal processing time.

How do I renew my passport if I live abroad?

Renewal from outside Canada is handled through the nearest Canadian embassy, high commission, or consulate serving your country of residence. Processing generally takes longer than renewing within Canada, and additional fees may apply depending on the specific mission. Contact your nearest Canadian mission directly for their specific submission process and current processing timelines before applying.

50 basic Moroccan Arabic (Darija) phrases to learn before you travel

50 basic Moroccan Arabic (Darija) phrases to learn before you travel

Learn 50 basic Moroccan Arabic (Darija) phrases for greetings, shopping, and travel, with pronunciation. Save this guide before you go. Start learning today.

•

•

6 min read

If you’re heading to Morocco as a traveller or digital nomad, packing the usual essentials for the trip is only half the preparation. Learning a handful of basic Moroccan Arabic (Darija) phrases is the other half, and might significantly impact your experience as a visitor.

Moroccan Arabic, known as Darija, is the everyday spoken language of Morocco and differs from Modern Standard Arabic. Learning a few phrases for greetings, shopping, and directions makes travel smoother and locals warmer. Start with hello (salam), thank you (shukran), and how much (bshhal).

Even if it isn’t as smooth as the natives’, sincere attempts at Darija are usually well-appreciated. This guide gives you 50 practical Darija phrases you’ll actually use: greetings, shopping, ordering food, asking directions, handling transport, and everyday exchanges.

Explore more on Grey for digital nomads if Morocco is one of several bases on your itinerary.

What is Moroccan Arabic (Darija)?

Darija is the Arabic dialect spoken in Morocco. It is different from Modern Standard Arabic (MSA), the formal form of Arabic used in official documents, news, literature, and across the Arab world.

Over centuries, the dialect has been influenced by Berber (Amazigh) languages, French, and Spanish. This explains why the vocabulary and pronunciation can sound very different from MSA and other Arabic dialects spoken in countries such as Egypt, Saudi Arabia, and Lebanon.

An Arabic speaker from Egypt or Saudi Arabia may find it difficult to follow a conversation in Darija. Most Moroccans, however, learn MSA at school and can understand it and speak more formally when needed. This means that phrases from a general Arabic phrasebook may not always be the phrases you hear in everyday conversations in Morocco.

French is also widely spoken in Morocco, a legacy of the French protectorate era, and many urban Moroccans mix French and Darija in daily conversation. Spanish has some presence in the north, near Tangier and the Spanish enclaves.

Also learn about key language phrases for digital nomads in India

Essential greetings in Moroccan Arabic

Greetings are some of the most useful Darija phrases to learn. Using them when you meet people shows respect and makes everyday interactions easier.

Darija Transliteration English Pronunciation
السلام Salam Hello sah-LAHM
صباح الخير Sbah lkhir Good morning sbah lkheer
مساء الخير Msa lkhir Good evening msah lkheer
كيف داير؟ (to a man) Kif dayer? How are you? keef DIE-er
كيف دايرة؟ (to a woman) Kif dayra? How are you? keef DIE-ra
لباس Labas I am fine / all good lah-BAHS
بسلامة Bslama Goodbye bsah-LAH-ma
شكرا Shukran Thank you shoo-KRAHN

‍

Common courtesy phrases in Darija

Politeness is an important part of Moroccan culture. These words are used constantly in everyday interactions, whether you are shopping, taking a taxi, ordering food, or speaking to someone you have just met.

Darija Transliteration English Pronunciation
عافاك Afak Please ah-FAHK
سمح لي Smah li Excuse me / sorry smah lee
العفو Lafou You are welcome lah-FOO
ايه Iyeh Yes ee-YEH
لا La No lah
واخا Wakha Okay / alright WAH-kha
مزيان Mezyan Good / fine mez-YAHN
بصح Bsah Really / seriously bsah

‍

Darija phrases for shopping and bargaining

Bargaining is common in Moroccan souks, especially in the medinas. These phrases can help you negotiate without being rude.

Darija Transliteration English Pronunciation
بشحال؟ Bshhal? How much? bsh-HAHL
غالي بزاف Ghali bzaf Too expensive GHAH-lee bzahf
بغيت هادشي Bghit hadshi I want this b-GHEET hahd-shee
واش عندك؟ Wash andek? Do you have...? wash AHN-dek
نقص شوية Nqes shwiya Lower it a little nkes shwee-ya
هادا آخر تمن Hada akher taman This is my final price HAH-da AH-kher tah-MAHN
ما بغيتش Ma bghitsh I do not want it mah bgheetsh
زيد شوية Zid shwiya Add a bit more zeed shwee-ya

‍

Bargaining is normal in souks but is not expected in fixed-price shops, supermarkets, or official cooperatives. You can start by offering around half the asking price and negotiate from there. Keep the conversation friendly and patient rather than turning it into an aggressive negotiation.

Darija phrases for getting around and eating out

These practical phrases cover transport, directions, and restaurant basics.

Darija Transliteration English Pronunciation
فين كاين؟ Fin kayn? Where is...? feen KAYN
على اليمين Ala lymin To the right ah-lah lee-MEEN
على الشمال Ala shmal To the left ah-lah SHMAHL
نيشان Nishan Straight ahead nee-SHAHN
بغيت الحساب Bghit lhsab I would like the bill bgheet lh-SAHB
الما Lma Water lmah
بلا فلفل Bla lflfl Without spice / pepper blah lful-FUL
زوين Zwin Delicious / nice ZWEEN

‍

Numbers and money phrases in Darija

These simple phrases can help when you are asking for directions, using transport, or ordering food.

Number Darija Transliteration Pronunciation
1 واحد Wahed WAH-hed
2 جوج Jouj ZHOOSH
3 تلاتة Tlata TLAH-tah
4 ربعة Rbaa RBAH
5 خمسة Khamsa KHAHM-sah
6 ستة Setta SET-tah
7 سبعة Sbaa SBAH
8 تمنية Tmanya tmAN-yah
9 تسعود Tsoud tsood
10 عشرة Ashra ASH-rah

‍

Darija Transliteration English Pronunciation
الدرهم Ddirham Dirham (currency) DEER-ham
فلوس Flous Money FLOOS
كاش Cash Cash KASH

Money and travel tips for Morocco

It is not enough to learn ‘salam’ and ‘afak’. You also need to learn about Morocco’s financial system and how to manage your finances in Morocco.

The Moroccan dirham (MAD) is a closed currency. This means you cannot access, exchange, or hold it outside Morocco.

So, you have to be in Morocco physically before you can exchange your currency for dirhams. You can access exchange services at the airport, banks, or authorised exchange bureaux. Our guide on where to buy Moroccan dirham online explains the limited options and what to expect.

While you can easily pay with a card at big stalls, hotels, and tourist centres in major cities like Marrakech, Casablanca, and Rabat, card payments might not be so common in smaller towns, the medina, and local markets. So, having some cash is essential.

Withdrawing dirhams from Moroccan ATMs using a foreign card typically incurs a fee from your home bank, and the money is converted at marked-up rates. This is in addition to the fee that the local ATM might also charge you. Using a card connected to a foreign currency balance reduces the cost of card transactions.

See our guide on how to avoid ATM issues and FX losses in Morocco

A Grey virtual debit card for travel linked to a multi-currency account (USD, EUR, and GBP) can be useful for payments anywhere Visa cards are accepted across Morocco. It can also help you avoid the repeated foreign transaction fees that many standard debit cards charge.

Get a Grey card and explore Morocco without currency worries. Start today.

Frequently asked questions about Darija phrases

Is Darija hard to learn?

Darija is considered challenging for beginners, particularly because it is a spoken dialect with heavy vowel dropping and consonant clusters, and it is not commonly taught in formal Arabic language programmes, which usually focus on Modern Standard Arabic. However, learning basic conversational phrases for travel purposes is very achievable. Native French, Spanish, or Arabic speakers often find it faster to pick up conversational Darija given the language's mixed vocabulary.

Is Darija the same as Arabic?

Darija is a dialect of Arabic, but it differs substantially from Modern Standard Arabic (the formal written and broadcast Arabic used across the Arab world) and from other regional dialects such as Egyptian or Levantine Arabic. A speaker of MSA or another Arabic dialect will typically find Darija difficult to understand due to its distinct vocabulary, pronunciation, and heavy influence from Berber and French.

What language is spoken in Morocco?

Morocco has two official languages: Modern Standard Arabic and Tamazight (Berber). In everyday life, most Moroccans speak Darija (Moroccan Arabic) as their primary spoken language. French is widely used in business, education, and government, a legacy of the French protectorate period. Some communities in the Rif and Atlas mountain regions speak Berber languages as their first language.

Can you get by with French or English in Morocco?

French is very useful in Morocco, particularly in cities, business settings, and among educated Moroccans. Many signs, menus, and official documents are in French alongside Arabic. English is increasingly spoken in tourist-facing businesses, hotels, and by younger Moroccans, but it is less universal than French. Combining basic Darija phrases with French, where you can, gives the most practical coverage.

How do you say good morning in Darija?

Good morning in Darija is sbah lkhir (صباح الخير), pronounced "sbah lkheer." This is a warm and commonly used greeting in the morning across Morocco, whether you are greeting a shopkeeper, taxi driver, or hotel staff.

What is the currency used in Morocco?

Morocco uses the Moroccan dirham (MAD). It is a closed currency, meaning it cannot be legally exchanged or obtained outside Morocco. Travellers exchange currency for dirham once they arrive, either at the airport, banks, or authorised exchange bureaux. See our guide on avoiding ATM issues and FX losses in Morocco for practical tips.

11 best beaches in Cape Verde

11 best beaches in Cape Verde

Discover the 11 best beaches in Cape Verde, from Santa Maria in Sal to Santa Monica in Boa Vista. Plan your beach trip and spend smarter with Grey.

•

•

6 min read

Apart from Vozinha’s stunning performance at the 2026 World Cup, one more stunning thing about Cape Verde is the beaches. Cape Verde has some of the finest beaches in the Atlantic, spread across islands like Sal and Boa Vista. The best include Santa Maria and Ponta Preta in Sal, and Santa Monica and Chaves in Boa Vista. Expect white sand, warm water and strong winds that make the islands popular for watersports.

Cape Verde's ten islands offer a genuine variety of beach experiences, from the long, wind-swept stretches of Boa Vista to the lively resort beaches of Sal and the quieter, more local shores of Santiago. This guide covers the eleven best beaches across the archipelago, grouped by island, plus what to know before you plan your trip.

Best beaches in Sal

Sal is one of Cape Verde's most visited Islands and well-developed for tourism. It has an international airport, great resorts, and some of the best-known beaches. See our complete guide to Sal for more on visiting.

1. Santa Maria

‍

Santa Maria is, perhaps, the most famous beach in Cape Verde and a tourist favourite. The wide beach has golden sands that run for many kilometres. Along the beach, there are restaurants, bars, and beach clubs. The water here is warm and calm, well-suited to swimming and families.

2. Ponta Preta

Ponta Preta is located on the west of Santa Maria. The beach is popular for one of the best right-hand reef surf breaks in the world. A right-hand reef surf break is a wave that breaks over a coral or rock reef to the surfer's right. The waves are consistent for most of the year. So, Ponta Preta is better suited to experienced surfers than people who just want to swim.

3. Kite Beach

Kite Beach is close to Santa Maria. And as the name implies, it has become one of the most popular beaches for kitesurfing globally. The trade winds are consistent, and the water is shallow. The lagoon area has flat water. This makes Kite Beach a great destination for both beginners taking lessons and experienced kitesurfers.

Best beaches in Boa Vista

Boa Vista is the easternmost island of Cape Verde. It is known for its beaches with white sand dunes, clear waters and a relaxed vibe. It is not as developed as Sal, so it is less busy and can be really quiet. So, it is one of the best destinations if you want to stay away from the crowd.

4. Praia de Santa Monica

It is considered one of the most beautiful beaches in Cape Verde and one of the longest beaches in the world. While it is currently underdeveloped, it is part of a tourism development zone and is just adjacent to Morro de Areia Nature Reserve, a protected area for endemic birds and turtles. The beach has strong Atlantic waves that make it better for walking, pictures, and videos than for swimming. Also, don’t confuse Praia de Santa Monica with the Santa Monica beach in Los Angeles County (USA)

5. Praia de Chaves

This is a fine beach found on the western coast of Boa Vista. Chaves is known for its expansive white sand dunes and blue waters. The winds are consistent, making it a good destination for windsurfing and kitesurfing, but you can also visit for swimming. People also visit Chaves to watch turtles and humpback whales between February and May.

6. Praia de Cruz

This is probably the most accessible beach in Boa Vista because it is a bit more central than others and close to Sal Rei, the main town on Boa Vista. It is even calmer than Chaves or Santa Monica, and convenient for visitors staying in town without a car. It is relaxed and much quieter than busier resort hubs like Chaves or Santa Monica. It is an ideal destination for peaceful walks and sunbathing. The Chapel of Our Lady of Fatima is a cultural landmark roughly 1 mile from the beach.

Best beaches on other islands

Beyond Sal and Boa Vista, Cape Verde's other islands offer their own distinct beach experiences, generally less developed for tourism but rewarding for travellers willing to explore further.

7. Tarrafal (Santiago)

Tarrafal is a vibrant coastal town and fishing port located on the northern coast of Santiago Island. Santiago is Cape Verde's main and most populous island. It is a calm, protected, palm-fringed bay beach with clear turquoise water and a laid-back, local atmosphere. It is a popular weekend destination for Cape Verdeans themselves for swimming, sunbathing, and snorkelling. Around 11:00 in the morning, visitors can watch traditional, colourful fishing boats return to the pier with their daily catch.

8. São Pedro (São Vicente)

‍

São Pedro is not only great for pictures, but also for swimming with sea turtles and snorkelling. The beach is located near Mindelo, São Vicente's main town. São Pedro is a broad, sandy beach known for strong, consistent winds that make it another significant windsurfing and kitesurfing location in Cape Verde. It is common to find locals at the beachfront with their colourful wooden fishing boats and daily catch.

9. Praia de Laginha (São Vicente)

Located right in Mindelo itself, Laginha is a more urban beach, convenient for visitors exploring the city's culture, music scene, and colonial architecture without travelling far for a swim. It is a short walk from the historic city centre. The beach is protected from the heavy Atlantic storms, so it is a great destination for swimming and relaxation. There are lively establishments like Kalimba Beach Club, where visitors can enjoy fresh seafood, local caipirinhas, and live music right on the beach.

10. Tarrafal de Monte Trigo Beach (Santo Antão)

This is Santo Antão’s premier beach and its only true beach resort area. Santo Antão is one of Cape Verde's most mountainous and least developed islands. It is not the most accessible area, but the volcanic black sand and surrounding cliffs offer something different from the conventional white-sand beaches of Sal and Boa Vista. It has an ‘end of the world vibe’ and might be worth the 2-hour drive from Praia or Assomada. The bay is protected from the northern trade wind, so the water is calm and relatively safe for swimming, snorkelling, and diving.

11. Praia da Fajã d’Água (Brava)

This beach is located on a small, remote island called Brava. If you are really looking for an escape, this beach is 4 kilometres from Nova Sintra for travellers seeking privacy. It has a fishing community and only sees a few visitors per year compared to the main islands. It is quiet, undeveloped, and surrounded by dark volcanic rocks that shelter it from the rough Atlantic waves. So, it is ideal for swimming, especially in the Piscina natural Faja d’Agua, a natural swimming pool.

Best beaches for watersports

One of the biggest reasons Cape Verde is a destination for windsurfing and kitesurfing is its consistent trade winds, especially from November to June.

The best windsurfing and kitesurfing beaches include:

  • Kite Beach and Santa Maria (Sal): reliable wind, warm water, established schools
  • Praia de Chaves (Boa Vista): strong, consistent conditions for more experienced riders
  • São Pedro (São Vicente): a serious watersports destination with a dedicated local scene

The trade winds are generally strongest from November to July. The peak season for consistent, strong winds is between February and June. Outside this window, conditions are calmer and better suited to beginners or travellers who prefer swimming over these watersports.

Planning your Cape Verde beach trip

If you are planning your beach trip, here is our guide on how to get to Cape Verde, move between the islands, and when you should visit.

How to get to Cape Verde

Sal is the primary international entry point for visitors. There are direct flights from several European cities. Search flights to Sal, Cape Verde, well in advance because availability is limited and the pricing can vary seasonally. Boa Vista also has an international airport, less popular but has a growing number of direct connections.

Whether you need a visa for Cape Verde (Cabo Verde) depends on your nationality. Citizens of the EU, UK, US, and about 90 other countries can visit visa-free for up to 30 days. All travellers must, however, complete online pre-registration and pay the Airport Security Fee (TSA) at least 5 days before departure

How to move between the islands in Cape Verde

Domestic flights connect the main islands via Cabo Verde Airlines (TACV). Ferries also operate between some islands managed by CV Interilhas. Ferry schedules can be less predictable and may be affected by unfavourable weather conditions.

Santo Antão and Brava don’t have active airports and require boats. If your travel plan involves visiting multiple islands, you should plan accordingly and be flexible with connections.

Travel by air if you are travelling long distances, like Santiago to  São Vicente. Most flights are usually 20-50 minutes, but it is important to book well in advance. You can consider ferries for short distances like São Vicente to Santo Antão. They are cheaper and take about an hour.

Best time to visit the beaches in Cape Verde

The dry season runs from November to July, and it is generally the most reliable time to visit the beach. There is minimal rain and consistent sunshine. August to October is warmer and more humid, with an increased chance of rain.

Money tips for visitors in Cape Verde

Cape Verde uses the Cape Verdean escudo (CVE), pegged to the euro. Euros are widely accepted on Sal and Boa Vista, particularly at resorts and tourist-facing businesses. Card payment is available at larger hotels and resorts, but cash is still preferred at smaller beach bars, local restaurants, and on the less-visited islands.

For card payments abroad, using a Grey virtual card connected to a euro balance avoids the foreign transaction fees that many home bank cards apply to international purchases.

For more on what else to do beyond the beaches, see our guide to the best things to do in Cape Verde.

Planning your Cape Verde beach holiday? Spend abroad with a Grey virtual card on your trip to Cape Verde, and avoid unnecessary foreign transaction fees when you pay for hotels, meals, activities, and more.

Frequently asked questions about Cape Verdean beaches

Which Cape Verde island has the best beaches?

Sal and Boa Vista are generally the best choices for beaches. Sal has the famous Santa Maria beach, as well as popular surf and kitesurfing spots. Boa Vista offers some of the country's biggest and most dramatic beaches, including Santa Monica. Choose Sal if you want more resorts and tourist facilities, or Boa Vista if you prefer quieter, less developed beaches.

Are the beaches in Cape Verde safe for swimming?

November to July is the dry season and generally offers the best beach weather, with plenty of sunshine and little rain. February to June is the best period for strong, consistent winds if you want to kitesurf or windsurf. For swimming and relaxing, the calmer periods outside the peak wind season may be more comfortable.

When is the best time to visit Cape Verde beaches?

November to July is the dry season and generally offers the best beach weather, with plenty of sunshine and little rain. February to June is the best period for strong, consistent winds if you want to kitesurf or windsurf. For swimming and relaxing, the calmer periods outside the peak wind season may be more comfortable.

When is the best time to visit Cape Verde beaches?

November to July is the dry season and generally the most reliable period for beach weather, with minimal rain. February to June offer the strongest and most consistent winds for kitesurfing and windsurfing, while the calmer months outside this window suit swimming and relaxation better.

Do I need a visa to visit Cape Verde?

Most nationalities, including US, UK, and EU citizens, can obtain an entry visa on arrival or apply online through Cape Verde's electronic visa system. Requirements can change, so check the latest entry rules with the Cape Verdean embassy or official government sources before travelling.

What currency is used in Cape Verde?

The Cape Verdean escudo (CVE) is the local currency, pegged to the euro at a fixed rate. Euros are widely accepted, particularly on the tourist islands of Sal and Boa Vista.

Can I pay by card at the beach?

Large resorts, hotels, and businesses targeting tourists on Sal and Boa Vista generally accept cards. Smaller beach bars, local restaurants, and businesses on less-visited islands often prefer cash in escudos or euros. It is a good idea to carry some cash with you, even if you plan to pay by card most of the time.

Brazil visa requirements for US citizens: Full guide

Brazil visa requirements for US citizens: Full guide

Do US citizens need a visa for Brazil? See the current e-visa requirements, cost, processing time, and how to apply before you travel. Apply today.

•

•

6 min read

Planning a trip to Brazil? Before you start looking for flights or building your Rio de Janeiro itinerary, it's worth checking the latest visa rules.

Brazil recently reintroduced visa requirements for travellers from the United States, meaning you can no longer arrive without prior authorisation. Fortunately, most visitors can now apply online through Brazil's electronic visa (e-visa) system, making the process much simpler than visiting a consulate.

As of 2026, US citizens need a visa to enter Brazil for tourism. Brazil reintroduced an electronic visa (e-visa) that you apply for online before travelling. You'll need a valid passport, a passport photo, proof of financial means, and the visa fee. Always confirm the latest requirements through the official Brazilian government website before booking your trip.

Do US citizens need a visa for Brazil?

Yes. US citizens need a visa to visit Brazil for tourism, business, transit, sporting events, or artistic activities.

After several years of visa-free travel, Brazil reinstated the visitor visa requirement for US, Canadian, and Australian passport holders on 10 April 2025. Eligible travellers can apply online for a Brazil e-visa, removing the need to visit a Brazilian embassy or consulate in most cases.

The Brazil e-visa is intended for short visits and is designed to make the application process faster and more convenient. Once approved, you'll receive your visa electronically by email, which you should keep with your travel documents when flying to Brazil.

For most US tourists, the application requires:

  • A valid US passport with at least two blank visa pages
  • A completed online visa application
  • A recent passport-style photograph
  • Payment of the visa fee
  • Proof of onward or return travel
  • Proof of sufficient financial means, such as recent bank statements

Because visa policies can change, it's a good idea to check the official Brazilian government website before submitting your application or booking non-refundable travel.

Brazil entry requirements for US citizens

Getting an approved e-visa is only one part of entering Brazil. Immigration officers may also ask you to meet several standard entry requirements when you arrive.

Before travelling, make sure you have:

A valid passport

Your passport must be signed, remain valid for the duration of your stay, and have at least two blank visa pages available.

A valid Brazil e-visa

US citizens travelling for tourism or short business visits must obtain an approved electronic visitor visa before departure. Airlines may check your visa before allowing you to board your flight.

Proof of onward travel

Brazilian authorities may ask for confirmation that you intend to leave the country, such as a return ticket or an onward flight reservation. This is also part of the e-visa application process.

Proof of financial means

Applicants currently need to show evidence they can support themselves during their stay. The official e-visa requirements include a recent bank statement showing transactions over the previous 30 days and a balance of at least $2,000.

Health requirements

If you're travelling to areas where yellow fever is present, health authorities may recommend getting vaccinated before your trip. Depending on your travel history, additional health requirements may apply, so it's worth checking both the official Brazilian government guidance and the latest US travel advice before departure.

Meeting these requirements before you travel can help you avoid delays at the airport and make your arrival in Brazil much smoother.

How to apply for a Brazil e-visa from the USA

Applying for a Brazil e-visa is entirely online and usually takes just a few steps.

1. Visit the official e-visa website

Start your application through Brazil's official electronic visa portal. Avoid unofficial websites that charge additional service fees or claim to speed up the process.

2. Complete the online application

Fill in your personal information exactly as it appears in your passport. Double-check spellings, passport numbers, and travel dates before submitting the form.

3. Upload your documents

You'll typically need to provide:

  • Your passport information page
  • A passport-style photograph with a white background
  • Proof of your flight reservation
  • Recent bank statements showing sufficient funds

Additional documents may be requested depending on your circumstances.

4. Pay the application fee

Once you've uploaded your documents, you'll pay the visa fee online using one of the accepted payment methods.

5. Wait for approval

If your application is approved, your e-visa will be sent to your email. Print a copy or keep a digital version available when travelling, as airlines or border officials may ask to see it.

How much does a Brazil visa cost?

The cost of a Brazil visa for US citizens is US$80.90 for a standard electronic visitor visa (e-visa). This fee covers the application and processing of your visa and is paid online when you submit your application. The fee is generally non-refundable, even if your application is refused or you decide not to travel.

Before making your payment, double-check that:

  • Your passport details are correct.
  • All required documents have been uploaded.
  • Your passport photo meets the official specifications.
  • You're applying through the official e-visa portal.

If your application is incomplete or additional documents are requested, processing may be delayed, so it's worth taking a few extra minutes to review everything before submitting.

Keep in mind that visa fees can change. Always confirm the latest amount on the official Brazilian e-visa website before applying.

How long does a Brazil visa take to process?

Most e-visa applications are processed within up to five business days, although processing times can vary depending on application volumes and whether additional documentation is required.

Because unexpected delays can happen, it's recommended that you apply at least two to four weeks before your departure date. This gives you enough time to respond if the authorities ask for extra documents or clarification.

To help your application move as quickly as possible:

  • Complete every section accurately.
  • Upload clear, high-quality copies of your documents.
  • Ensure your passport photo meets the required standards.
  • Regularly check your email for updates or requests for additional information.

Avoid leaving your application until the last minute, especially if you're travelling during peak holiday periods.

How long can US citizens stay in Brazil?

With an approved visitor e-visa, US citizens can stay in Brazil for up to 90 days per visit.

The visa is generally valid for multiple entries over a period of up to 10 years, allowing you to visit Brazil more than once without applying for a new visa each time, provided each stay complies with the permitted duration.

If you wish to stay longer than your authorised period, you must apply for an extension through the Brazilian Federal Police before your current stay expires. Extensions are not guaranteed and are assessed on a case-by-case basis.

Overstaying your visa can lead to fines, administrative penalties, or difficulties entering Brazil in the future, so it's important to monitor your permitted length of stay carefully.

If you're planning to work, study, or live in Brazil, you'll usually need a different type of visa, as the visitor e-visa is intended for tourism, business meetings, transit, sporting events, and similar short-term activities.

Money tips for US travellers in Brazil

Once your visa is sorted, it's worth planning how you'll pay for everyday expenses while you're in Brazil.

Although major cities widely accept cards, you'll still come across smaller shops, cafés, local markets, and taxis that prefer cash or have minimum card spend requirements. Having a mix of payment options can make your trip much easier.

Avoid exchanging money at the airport

Airport exchange bureaux often offer some of the least competitive exchange rates. If possible, exchange only a small amount for immediate expenses and look for better rates elsewhere.

Know the local currency

Brazil uses the Brazilian real (BRL). While some tourist attractions may display prices in US dollars, almost all day-to-day purchases are made in reais.

Use a travel-friendly card

Using a card designed for international spending can help you avoid unnecessary foreign transaction costs and poor exchange rates.

If you're travelling with Grey, the Grey virtual debit card for travel lets you spend online and abroad while managing multiple currencies from one app.

You can also discover how Grey for travellers and tourists helps you manage money across borders, or learn how to get an instant USD debit card in Brazil before your trip.

Before you leave, it's also worth reading our guide on how to protect your funds while travelling abroad so you're prepared if your card is lost, stolen, or compromised.

Ready for your trip?

Getting your Brazil e-visa is one of the first steps towards an unforgettable trip. Once you've sorted your travel documents, make sure your money is just as prepared.

Open a Grey account, get a Grey card, and make the most of your money while spending in Brazil.

Frequently asked questions about Brazil visas for US citizens

Is the Brazil e-visa mandatory for US citizens?

Yes. US citizens travelling to Brazil for tourism, business, transit, sporting events, or cultural activities must obtain an approved e-visa before travelling. Airlines may ask to see your visa before boarding, and you may be refused entry if you arrive without one.

Can US citizens get a visa on arrival in Brazil?

No. Brazil does not offer a visa on arrival for US citizens. You must apply for and receive your e-visa before you travel.

How long should my passport be valid to enter Brazil?

Your passport must be valid for the duration of your stay in Brazil and have at least two blank visa pages. Before travelling, always check the latest passport requirements on the official Brazilian government website, as entry rules may change.

Do children need a visa to travel to Brazil?

Yes. Every US passport holder, including children and infants, must have their own valid visa to enter Brazil. Parents or legal guardians are responsible for completing the application on behalf of minors.

Can I extend my tourist stay in Brazil?

In some cases, yes. If you wish to stay longer than your authorised period, you can request an extension from the Brazilian Federal Police before your current stay expires. Approval is not automatic and depends on your individual circumstances.

Can I work in Brazil with a tourist e-visa?

No. The Brazil e-visa is intended for short visits such as tourism, business meetings, sporting events, or transit. If you plan to work, study, or live in Brazil, you'll need to apply for the appropriate visa before travelling.

How early should I apply for my Brazil e-visa?

Although many applications are processed within a few business days, it's best to apply at least two to four weeks before your departure. This allows extra time in case additional documents or information are requested.

Sal, Cape Verde: Complete travel guide

Sal, Cape Verde: Complete travel guide

Planning a trip to Sal, Cape Verde? Here is a complete guide to beaches, Santa Maria, flights, and money tips. Plan your trip and spend smarter with Grey.

•

•

6 min read

Golden beaches, year-round sunshine and crystal-clear Atlantic waters have made Sal the gateway to Cape Verde for travellers from around the world. Whether you are looking for a relaxing beach escape, thrilling water sports or a laid-back island atmosphere, Sal offers the perfect introduction to this volcanic archipelago.

Most visitors arrive through Amílcar Cabral International Airport before heading to Santa Maria, the island's lively resort town on the southern coast. Here, colourful streets, beachfront restaurants, local markets and a long stretch of white sand create an easy-going destination that suits couples, families, solo travellers and digital nomads alike.

Beyond the beaches, Sal offers plenty to discover, from floating in the salt crater at Pedra de Lume to watching lemon sharks along Shark Bay and enjoying unforgettable sunsets over the Atlantic. This guide covers everything you need to know before visiting, including the best places to see, costs, transport, safety tips and practical travel advice.

Everything you need to know about Sal Island, Cape Verde

Sal Island is one of the most popular destinations in Cape Verde, located in the central Atlantic Ocean around 350 miles (560 kilometres) off the coast of West Africa. Covering just 216 square kilometres, it is relatively small and mostly flat, with a warm, dry climate and more than 350 days of sunshine each year.

The island attracts visitors for its long stretches of golden sand, turquoise waters and relaxed atmosphere. It is also recognised as one of the world's leading destinations for kitesurfing and windsurfing thanks to its reliable trade winds. Popular attractions include the colourful town of Santa Maria and the famous Pedra de Lume salt crater, where visitors can float effortlessly in mineral-rich water.

The best time to visit Sal is between November and June, when rainfall is low and temperatures typically range from 24°C to 30°C. These months offer pleasant weather for beach holidays, water sports and exploring the island comfortably.

How to get to Sal Island, Cape Verde

Travelling to Sal Island is straightforward, with most international visitors arriving through Amílcar Cabral International Airport (SID), the island's main gateway. The airport is located near Espargos, around 20 minutes from Santa Maria, where many of Sal's hotels, resorts and beaches are found. Direct flights operate from several European cities, making the island one of the easiest destinations in Cape Verde to reach.

Airlines such as TUI and easyJet offer seasonal and year-round flights from cities including London Gatwick, Manchester, Lisbon, Paris and Frankfurt. Travellers from other parts of the world can usually connect through Portugal or another European hub before flying to Sal.

After landing, reaching your accommodation is simple. You can book a private airport transfer in advance, take a shared minibus if available or use one of the licensed taxis waiting outside the arrivals terminal. Most journeys to Santa Maria take about 20 minutes, depending on traffic.

Also read:15 best things to do in Cape Verde

What to see and do in Santa Maria

Santa Maria is the beating heart of Sal Island and the place where most visitors choose to stay. Located on the southern coast, this lively beach town combines beautiful white-sand beaches with colourful streets, fresh seafood, local culture and a relaxed island atmosphere. Whether you are visiting for a few days or a week, Santa Maria offers everything you need within easy walking distance.

At the centre of town is the Santa Maria Pier, where local fishermen return each day with freshly caught tuna, lobster and other seafood. Around the pier, you'll find cafés, restaurants, souvenir shops and beach bars overlooking the Atlantic. As the sun sets, the town transforms into one of Cape Verde's liveliest nightlife destinations, with traditional Morna music, Kizomba dancing and live bands filling bars such as Ocean Café and Buddy's Bar until late into the night.

Popular places to stay:

  • Hilton Cabo Verde Sal Resort: Luxury beachfront resort with pools, spa facilities and direct beach access.
  • Meliá Tortuga Beach: All-inclusive resort popular with families, couples and longer holiday stays.
  • Boutique hotels: Smaller guesthouses and boutique hotels close to the town centre offer easy access to restaurants, beaches and nightlife.

Typical costs:

  • Local taxi within Santa Maria: €2–€4 (about 200–400 CVE)
  • Airport taxi to Santa Maria: €15–€20 (about 1,500–2,200 CVE)
  • Casual meal at a local restaurant: €7–€12 per person

Also read: How to avoid airport exchange rip-offs

Best things to do in Sal, Cape Verde

Discover the top attractions in Sal, from golden beaches and natural wonders to watersports and unforgettable island experiences.

Santa Maria beach

Sal’s most famous beach stretches along the coast of Santa Maria, offering soft white sand, clear Atlantic waters and a relaxed atmosphere. It is perfect for swimming, sunbathing, beach walks and watching spectacular sunsets.

Pedra de Lume salt crater

Located inside an extinct volcano, Pedra de Lume is one of Sal’s most unique attractions. Visitors can float effortlessly in the salt-rich waters, explore the historic salt pans and enjoy panoramic views of the surrounding landscape.

Shark Bay

Shark Bay offers a chance to see lemon sharks swimming close to the shore in their natural environment. Visitors can walk into the shallow waters and observe these gentle creatures with the help of local guides.

Buracona Blue Eye

The Buracona lagoon is famous for its natural “Blue Eye” effect, where sunlight creates a glowing blue colour inside a volcanic cave. It is one of Sal’s most photographed natural landmarks.

Watersports

With strong Atlantic winds and warm waters, Sal is a favourite destination for kitesurfing, windsurfing, diving and snorkelling. The island’s conditions attract both beginners and experienced water sports enthusiasts.

Also read: How to plan a multi-country trip without losing money to FX fees

Where are the best areas to stay in Sal, Cape Verde?

Choosing where to stay in Sal depends on the type of experience you want. Most travellers base themselves around Santa Maria, the island’s main tourist hub, while quieter areas like Pontinha offer a more peaceful escape.

Santa Maria: Best for first-time visitors

Santa Maria is the most popular place to stay in Sal, offering easy access to beaches, restaurants, bars, shops and local experiences. It is ideal for travellers who want everything within reach, from morning beach walks to evening entertainment and seafood restaurants.

Pontinha: Best for a quieter luxury stay

Located close to Santa Maria, Pontinha offers a more relaxed atmosphere with upscale resorts and beachfront accommodation. It suits couples and travellers looking for privacy while still staying near the island’s main attractions.

Espargos: Best for local experiences

Espargos is Sal’s main town and offers a glimpse into everyday island life. It is a practical choice for budget travellers, those on longer stays, or visitors who want to experience Cape Verde beyond the resort areas.

Accommodation costs in Sal

  • Budget stays (€40–€80 per night): Comfortable hotels and guesthouses offering simple rooms, often without luxury facilities or all-inclusive options.
  • Premium resorts (€180–€350+ per night): Luxury properties such as Hilton Cabo Verde and Meliá Dunas Resort offer pools, beachfront access and resort experiences, although some are further from local communities.

Choosing where to stay depends on whether you prefer convenience, local culture or a full resort experience.

Managing payments while in Sal, Cape Verde

Landing in Sal means stepping into a relaxed island rhythm, but knowing how to pay for things makes exploring much easier. The local currency is the Cape Verdean Escudo (CVE), which you will use for everyday purchases such as local meals, taxis, markets and small shops. Some tourist areas also accept euros, especially hotels and restaurants.

As you move around the island, you will find ATMs in popular areas like Santa Maria, while larger hotels, restaurants and shops commonly accept debit and credit cards. However, smaller businesses and local vendors may still prefer cash, so keeping some escudos with you is always useful.

For travellers who want a simple way to manage spending, the Grey virtual Card can help you pay for shopping, meals and other expenses wherever Visa is accepted, giving you more flexibility while enjoying Sal.

Frequently asked questions

How do I get to Sal?

Most visitors reach Sal by flying into Amílcar Cabral International Airport (SID), the island’s main airport. Direct flights operate from several European cities, including destinations in the UK, Portugal and Germany, making Sal one of the easiest Cape Verde islands to access for international travellers.

Is Sal worth visiting?

Yes, Sal is worth visiting for travellers seeking beautiful beaches, warm weather and a relaxed island escape. The island is especially popular with sun-seekers, watersports enthusiasts and visitors who want to experience attractions such as Pedra de Lume salt flats and the famous Blue Eye lagoon.

What is the best time to visit Sal?

The best time to visit Sal is between November and June, when the island experiences warm temperatures, minimal rainfall and comfortable trade winds. These months offer excellent conditions for swimming, sightseeing, beach activities and watersports, making it the ideal period for exploring the island.

Do I need a visa for Sal?

Visa requirements depend on your nationality. Many European and UK passport holders do not need a visa for short stays but must complete Cape Verde’s online EASE pre-registration before arrival. Always check the latest entry requirements before travelling, as rules can change.

What currency does Sal use?

Sal uses the Cape Verdean Escudo (CVE) as its official currency. Euros are also commonly accepted in tourist areas, with a fixed exchange rate of approximately €1 to 110 CVE. However, using local currency is often more convenient when paying for smaller purchases and everyday expenses.

Can I pay by card in Sal?

Cards are accepted at many hotels, resorts and larger restaurants in Sal, especially around Santa Maria. However, smaller shops, local restaurants and taxis often require cash payments. Carrying some Cape Verdean Escudos or euros is recommended when exploring outside the main tourist areas.

Best time to visit Senegal: Weather, seasons and money tips

Best time to visit Senegal: Weather, seasons and money tips

The best time to visit Senegal is the dry season from November to May, with warm days and little rain. See the weather by month and money tips. Read on.

•

•

6 min read

Senegal is the country where the Atlantic Ocean meets the Sahel. It is situated on the western edge of Africa. This unique position means the country experiences a wide range of weather. The coastal areas might get really sunny, while the inland areas can be dry and hot. The seasons are divided into wet and dry seasons, and your experience in Senegal is largely tied to the season you visit.

The best time to visit Senegal is the dry season, from November to May, with warm, sunny days, low humidity and little rain. This is ideal for Dakar, the coast and wildlife on the Sine-Saloum delta. The wet season, from June to October, is hot and humid with short, heavy downpours.

Whether you are visiting Senegal for Dakar’s vibrant arts and music scene or for the beaches along the Petite Côte, getting the timing right makes a real difference to what you experience and how much you pay. This guide breaks down Senegal’s weather month by month, explains regional differences, and shares practical money tips so you can plan both the timing and the budget for your trip.

Senegal's seasons at a glance

Senegal has two seasons

  • The dry season (saison sèche): From November to May, usually a great time to visit the beach, sightsee, and experience the wildlife.
  • The wet season (hivernage): From June to October, usually best for budget trips.

The northern parts of Senegal are usually hotter and drier than the south. The South generally experiences more rainfall.

Here is what Senegal’s seasons look like at a glance and what you should expect during each month.

Month Season Conditions Good for
January Dry Warm, sunny, low humidity Best overall
February Dry Warm, clear Dakar, coast, wildlife
March Dry Warm, slight increase in heat All regions
April Dry Hot and sunny Coast, Sine-Saloum
May Dry, transitional Hot, humidity building Shoulder value
June Wet season begins Hot, storms building Budget travel
July Wet Hot, heavy downpours Budget travel
August Wet Wettest month, flooding possible Budget travel
September Wet Still wet, heat easing Budget travel
October Wet, transitional Rain easing, getting cooler Transitional
November Dry season returns Pleasant, warm, clear Wildlife, coast
December Dry Warm, busy with visitors All regions

Temperature: Dakar is on the Cap-Vert peninsula, at the far end of West Africa. Breezes from the Atlantic Ocean regulate the temperatures throughout the year. However, daytime temperatures are still often between 26 and 30°C in the dry season. During the wet season, temperatures rise to 32–35°C with higher humidity. Inland cities such as Saint-Louis and Tambacounda are much hotter, especially from March to June.

The Harmattan: Between December and February, the Harmattan wind blows in from the Sahara, carrying fine dust that can reduce visibility. The air often becomes dry and hazy, especially in northern and eastern Senegal. Dakar is less affected but may still experience hazy days.

Best time for Dakar and the coast

Most people visiting Senegal go to Dakar, and the city can be enjoyed year-round, even though November to February is the most comfortable period. During these months, temperatures are warm but not too bad, the humidity is low, the air is clear, and there is almost no rain. These conditions bring the city's outdoor experience to life with its local markets, seaside restaurants, and evening terraces.

Senegal is still dry from March to May, but these months are hotter and more humid. However, you might still be able to enjoy the beaches in the Petite Côte (like Saly and Mbour) during this period, even though the beach conditions will not be as optimal as in November to February.

See the official Senegal tourism guidance for more recommendations

What to avoid for the coast: August is the wettest and most humid month, and is generally not recommended for beach visits. Heavy rains can make some road surfaces difficult, and sea conditions are rougher than in the dry season.

Best time for wildlife and inland travel

If you're visiting Senegal for wildlife, the dry season from November to April is the best time to go. Animals are easier to spot, roads are easier to use, and the weather is more comfortable.

  • Djoudj National Bird Sanctuary: Djoudj is located near Saint-Louis in the north and remains one of the most prominent bird sanctuaries in Africa. It is even listed as a UNESCO World Heritage Site. The best time to visit the sanctuary is from November to April. During this period, the migratory birds arrive from Europe and Northern Africa in vast numbers. Pelicans, flamingos, herons, and over 400 other species can be seen here in peak season.
  • Sine-Saloum Delta: This is a magnificent network of mangroves and islands. It is located in the south-central region of Senegal and best explored by pirogue (traditional canoe) during the dry season. You should enjoy the calm waters, plenty of birdlife, and pleasant weather from November to April. The Sine-Saloum is particularly beautiful early in the morning. You can stay overnight in one of the small eco-lodges in the delta for an even more optimal experience.
  • Niokolo-Koba National Park: This is Senegal's largest national park, and is located in the south-east. The park is home to hippos, crocodiles, warthogs, and various ape species. The dry season is by far the best time to spot wildlife in the wild because they concentrate around water sources. Also, the vegetation is significantly thinner during the dry season, improving visibility. You can access the park from December to June. During the wet season, some roads may be impassable, and the park may be partially closed.

Cheapest time to visit and festivals

The wet season (June to October) is the cheapest time to visit Senegal. Hotels in Dakar and along the Petite Côte often reduce their prices by 30% to 50%, and flights are usually more affordable outside the December to February peak season.

The trade-off is hotter weather, higher humidity, and occasional heavy afternoon rain. If you're mainly interested in exploring Dakar's culture rather than beaches or wildlife, this can be a great time to save money.

Cultural highlights worth planning around

Dakar has one of the most vibrant contemporary arts scenes in Africa. Planning your trip around these festivals means you can kill multiple birds with one stone. Here are some worth considering :

  • Dak'Art Biennale (May or June, even-numbered years): One of Africa's biggest contemporary art festivals, held in Dakar.
  • Eid al-Fitr and Eid al-Adha: These important Muslim festivals are celebrated across the country with family gatherings, colourful clothing, and community celebrations. Dates change each year because they follow the Islamic calendar.
  • Saint-Louis Jazz Festival: A world-famous annual music event held in the historic colonial city of Saint-Louis. Dates change, but it usually takes place between late April and early June.
  • Abéné Festival: A cultural music and dance festival held in Abene from December 26th to January 2nd. It also features arts and crafts, sports, and traditional cuisine.

Money tips for Senegal

Senegal uses the West African CFA franc (XOF), which is pegged to the euro. This means the exchange rate between euros and XOF is fixed. This also makes it easier to budget if you spend euros in your home country. For other currency users, the XOF fluctuates slightly against the dollar and pounds, but it remains relatively stable.

Here are some notes on the money context in Senegal you should understand before you visit.

  • You must carry cash: Cash is still the preferred payment method for markets, local restaurants, transport, and many small businesses. You cannot rely on card payment alone.
  • You can use ATMs in major cities: ATMs are easy to find in Dakar, Saint-Louis, Ziguinchor, and Tambacounda, but are much less common in rural areas. Withdraw enough cash before travelling outside the cities. Most ATMs accept international Visa and Mastercard cards.
  • Cards are not always accepted: Visa and Mastercard cards work in most large hotels, supermarkets, and some restaurants in Dakar, but many businesses only accept cash.
  • Avoid airport exchange: Exchange at the airport is convenient but typically comes with worse rates than bank branches or in-town exchange offices in Dakar. If possible, exchange only enough for immediate needs on arrival and exchange the rest in the city. Read our guide on how to avoid airport exchange rip-offs before you fly.
  • Use a Grey Card when spending abroad: For card-accepted payments in Senegal, using a card linked to a foreign currency balance avoids the foreign transaction fees that many home-bank cards charge on every international purchase. Read our guide on how to avoid foreign transaction fees. You can spend abroad with a Grey Card wherever Visa is accepted in Senegal.
  • Sending money to Senegal: Senegal has a significant diaspora in the United States, and remittances are an important part of the country's economy. Whether you're supporting your loved ones or paying a local bill in Senegal before your trip, Grey lets you send money from the US to Senegal at transparent exchange rates, with all fees shown before you confirm. You can send money from the US to Senegal with Grey at transparent rates, with 1% conversion fee shown before you confirm.

Whether you’re visiting Senegal for the beaches, the birdlife in Djoudj, or Dakar’s culture, a multicurrency account with a virtual card makes spending in Senegal much easier. Send money to Senegal with Grey without the usual international bank fees and poor exchange rates.

Frequently asked questions about visiting Senegal

When is the best time to visit Dakar?

November to February is the most comfortable period for Dakar. Temperatures are warm but manageable, humidity is low, and there is almost no rain. March and April are still dry but hotter. January is often cited as the single best month, combining excellent weather with a relatively manageable crowd level compared to the Christmas and New Year peak.

What is the rainy season in Senegal?

The rainy season runs from June to October, with August being the wettest month. Rain typically comes in heavy afternoon and evening downpours rather than all-day drizzle. Dakar and the north receive less rain than the south. The wet season brings high humidity and heat and is generally not recommended for first-time visitors or those focused on wildlife or beach trips.

What currency does Senegal use?

Senegal uses the West African CFA franc (XOF), which is used across eight West African countries, including Senegal, Mali, Côte d'Ivoire, and Burkina Faso. The CFA franc is pegged to the euro at a fixed rate, making budgeting straightforward for European visitors. US dollars must be converted to XOF.

Is Senegal expensive to visit?

Senegal is relatively affordable compared to many other travel destinations, particularly outside the peak tourist season. Accommodation ranges from budget guesthouses to luxury beach resorts. Local food at markets and neighbourhood restaurants is very cheap. Tourist-facing activities and upscale hotels, particularly in Saly and parts of Dakar, are priced more in line with European standards.

Do I need a visa to visit Senegal?

Most Western passport holders, including US citizens, UK citizens, and EU nationals, can enter Senegal without a visa for stays of up to 90 days. Requirements can change, so always verify the current entry requirements through official sources or the Senegalese embassy website before travelling.

Can I pay by card in Senegal?

In upscale hotels, certain restaurants in central Dakar, and some larger supermarkets, international Visa and Mastercard cards are accepted. Across most of the country, including local markets, transport, street food, guesthouses, and smaller restaurants, cash is expected. Carry enough CFA francs for your daily needs, regardless of where you are staying.

15 best things to do in Cape Verde

15 best things to do in Cape Verde

From Sal's beaches to Boa Vista's dunes, here are 15 of the best things to do across the islands of Cape Verde. Plan your trip and spend smarter with Grey.

•

•

6 min read

Cape Verde captured the world's attention during the 2026 FIFA World Cup, pushing defending champions Argentina to extra time in one of the tournament's biggest surprises. It was the island nation's first appearance on football's biggest stage, and its fearless performances introduced millions of people to a destination many had never considered visiting. But the impact went far beyond sport.

Cape Verde is an African island nation off the west coast of Senegal, made up of ten volcanic islands. The best things to do include relaxing on the beaches of Sal, exploring the dunes of Boa Vista, hiking on Santo Antao, and whale watching between March and May. Each island has its own character.

Whether you're planning a beach holiday, an island-hopping adventure or an outdoor escape, this guide covers the 15 best things to do in Cape Verde, helping you discover the experiences that make visitors return long after their first trip.

What is Cape Verde known for?

With searches for “Cape Verde vacation” surging by more than 5,000%, the country is becoming an increasingly popular choice for travellers. Most of Cape Verde’s islands are inhabited, and each offers its own landscapes, traditions and attractions. Popular islands include Sal for its beaches, Boa Vista for desert-like dunes, Santo Antão for mountain hiking, São Vicente for music and culture, and Santiago, home to the capital, Praia.

One of Cape Verde's biggest attractions is its year-round climate. The islands enjoy warm temperatures averaging 24°C to 30°C, with plenty of sunshine throughout the year. Rainfall is limited, especially between November and June, making outdoor activities possible almost any time you visit. The cooling Atlantic breeze also keeps temperatures comfortable, even during the warmer months.

The best time to visit Cape Verde is generally from November to June, when the weather is dry and ideal for beach holidays, hiking, surfing and island hopping. Travellers hoping to spot humpback whales should plan between March and May, while consistent trade winds from November to March create excellent conditions for kitesurfing and windsurfing.

Also read: How to avoid airport exchange rip-offs

What are the best things to do in Sal, Cape Verde?

Sal is Cape Verde’s most popular island, offering beautiful beaches, volcanic landscapes, adventure activities and unique coastal experiences for every traveller.

  • Santa Maria Beach: Spend time on one of Cape Verde’s most famous beaches, known for its golden sand, clear waters and relaxed atmosphere. It is ideal for swimming, beach walks, fresh seafood, water activities and watching colourful sunsets along the Atlantic coast.
  • Pedra de Lume: Explore an ancient volcanic crater transformed into natural salt flats. The mineral-rich waters allow visitors to float effortlessly while discovering Cape Verde’s salt mining history and enjoying a unique landscape unlike anywhere else on the island.
  • Kitesurfing Adventures: Sal’s strong Atlantic trade winds and warm waters make it one of the world’s best kitesurfing destinations. Beginners can take lessons, while experienced riders enjoy the island’s consistent waves and wind conditions across its beaches.
  • Shark Bay: Visit Shark Bay for a rare wildlife experience where you can walk through shallow waters alongside young lemon sharks. With local guides, travellers can safely observe these fascinating creatures in their natural ocean environment.

Also read: Hidden travel gems to explore in South Africa this summer

What are the best things to do in Boa Vista, Cape Verde?

Boa Vista is Cape Verde’s desert island, known for endless dunes, untouched beaches, ocean adventures and some of the country’s most dramatic natural landscapes.

  • Viana Desert: Explore the otherworldly Viana Desert, where wind-shaped white sand dunes stretch across the island. The landscape feels almost like a scene from another planet, offering incredible photo opportunities and a peaceful escape from Boa Vista’s coastal areas.
  • Turtle watching: Experience one of Boa Vista’s most special wildlife encounters by joining a guided turtle-watching tour. The island is an important nesting site for loggerhead turtles, especially between June and October when females come ashore to lay eggs.
  • Santa Monica Beach: Relax on one of Cape Verde’s most beautiful beaches, famous for its endless golden sands and clear Atlantic waters. Santa Monica Beach is perfect for long walks, quiet moments and enjoying the untouched beauty of Boa Vista’s coastline.
  • Quad biking: Discover Boa Vista’s rugged landscapes on a quad bike adventure. Ride through sandy trails, desert areas and remote villages while experiencing a more adventurous side of the island beyond its beaches and resorts.

Best places to visit in Santiago and Santo Antão

Santiago and Santo Antão reveal Cape Verde’s cultural and natural diversity, from historic towns and traditional markets to dramatic mountains, valleys and unforgettable hiking experiences.

  • Cidade Velha History: Discover Cidade Velha, Cape Verde’s first European settlement and a UNESCO World Heritage Site. Walk through historic streets, visit the old fortress and learn about the island’s colonial past and its important role in Atlantic trade.
  • Assomada Market: Experience everyday Cape Verdean life at Assomada Market, one of Santiago’s busiest cultural hubs. Browse colourful stalls filled with fresh produce, local crafts, spices and traditional goods while meeting vendors and experiencing the island’s authentic atmosphere.
  • Santo Antão Trails: Hike through some of Cape Verde’s most spectacular landscapes on Santo Antão. The island’s famous trails pass through lush valleys, volcanic mountains and small villages, offering breathtaking views and a closer connection to local island life.

The food, music and traditions of Cape Verde

Cape Verde’s identity is shaped by a unique blend of African, Portuguese and Atlantic influences, creating a culture that feels both familiar and completely distinct. This fusion is most visible in its food, where traditional recipes bring people together. The country’s national dish, cachupa, is a slow-cooked combination of corn, beans, vegetables and meat or fish, often prepared for family gatherings and celebrations. Fresh seafood, including grilled fish and lobster, also plays an important role in everyday island dining.

Music is at the heart of Cape Verdean life, with morna being the country’s most recognised sound. Made famous internationally by Cesária Évora, the emotional acoustic genre reflects the feeling of sodade, a deep sense of longing and nostalgia connected to island life, migration and memories of home.

Beyond food and music, Cape Verde’s culture comes alive through festivals and celebrations. Events such as the Baía das Gatas Music Festival and the colourful São Vicente Carnival showcase the islands’ creativity, where African rhythms, Portuguese traditions and Creole heritage come together in unforgettable ways.

Getting around Cape Verde and managing your money

Travelling across Cape Verde is part of the adventure. With ten volcanic islands spread across the Atlantic, moving between destinations often involves inter-island flights or ferries. Flights are the quickest option for reaching islands such as Sal, Boa Vista, Santiago and São Vicente, while ferries offer a slower journey with beautiful ocean views when weather conditions are favourable. Once on each island, taxis, shared minibuses known as aluguers, and rental cars make it easy to explore beaches, towns and mountain areas.

The local currency is the Cape Verdean escudo (CVE), and having some cash is useful, especially when visiting smaller restaurants, local markets or areas away from major tourist zones. In popular destinations, many hotels, restaurants and shops accept international cards.

To make payments easier while travelling, using a Grey virtua card can help you spend conveniently wherever Visa is accepted while managing your money through the Grey app. It also helps travellers avoid relying on expensive currency exchanges and keep better control of their travel spending.

Frequently asked questions about what to do in Cape Verde

Where is Cape Verde?

Cape Verde is an island nation in the Atlantic Ocean, located around 600 kilometres west of Senegal. The country consists of ten volcanic islands, including popular destinations such as Sal, Boa Vista, Santiago and Santo Antão. Each island offers different landscapes, from beaches and deserts to mountains and cultural towns.

What is the best island to visit?

The best island depends on your travel style. Sal and Boa Vista are ideal for beaches, resorts and water activities, while Santo Antão is perfect for hiking and nature. Santiago offers history and culture, and São Vicente is known for music, nightlife and local traditions.

Do I need a visa for Cape Verde?

Many travellers can enter Cape Verde without a traditional visa or can obtain an entry permit depending on their nationality. Visitors should check the latest requirements before travelling. Most tourists must complete an airport security tax (TSA) registration before arrival.

What currency is used in Cape Verde?

Cape Verde uses the Cape Verdean escudo (CVE) as its official currency. Euros are also widely accepted in many tourist areas, but paying in escudos is usually better for smaller purchases. Carrying some local cash is useful when visiting markets, restaurants and smaller businesses.

Is Cape Verde expensive?

Cape Verde is generally more affordable than many European beach destinations, although resort areas can be expensive. Accommodation, dining and activities vary by island. Travellers can manage costs by choosing local restaurants, guesthouses and public transport while still enjoying the islands’ beaches and experiences.

Can I use my card in Cape Verde?

Yes, international cards are accepted in many hotels, restaurants, supermarkets and tourist businesses, especially on islands like Sal and Boa Vista. However, smaller shops and local markets may require cash. Using a Grey virtual card can help travellers manage spending while avoiding unnecessary exchange costs when making payments.

Check your inbox! 😀
We've sent you a confirmation email. Just follow the steps to complete your subscription.
Oops! Something went wrong while submitting the form.