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

Adeolu Titus Adekunle

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What country do you think has the largest pyramid by volume? The answer is not Egypt. While the Great Pyramid of Giza is perhaps the most renowned Pyramid in the world, the Great Pyramid of Cholula in Puebla, Mexico, is the largest. Now that we’ve settled the pyramid debate, let’s move on to what this article is actually about.

The best time to visit Mexico is the dry season, from December to April, with warm, sunny days and little rain across most regions. This is peak season on the Caribbean coast around Cancun and Tulum. The wet and hurricane season runs from June to November, when prices drop and crowds thin

Mexico has over 9,000km of coastline and 11 different climate zones. The air might be cold at the top of Mexico City, while it is humid and hot in Chiapas. So, it is very important to plan your trip based on the weather and the cities you are visiting to optimise your experience. The time to visit Cancun is different from the time to visit Oaxaca or Mexico City. This guide covers the best months by region, what to expect from the weather, and practical money tips for getting more out of your trip.

Mexico's seasons at a glance

Mexico's weather varies by region, but most of the country experiences two main seasons:

  • The dry season (temporada seca)
  • The rainy season (temporada de lluvias)

If you're visiting the Caribbean coast, such as Cancún or Tulum, you'll also need to consider the Atlantic hurricane season, which runs from June to November.

Here's what to expect throughout the year.

Month Season Conditions Good for
January Dry Warm, sunny, low humidity Best overall
February Dry Warm, sunny Beaches, cities
March Dry Warm, beginning to heat up Beaches, Oaxaca
April Dry Hot and sunny Peak beach season
May Transition Hot, humidity building Shoulder, some value
June Wet/hurricane season begins Hot, storms possible Budget travel
July Wet/hurricane season Rain and storms possible Budget travel
August Wet/hurricane season Rain and storms possible Budget travel
September Peak hurricane risk Highest storm risk on coast Avoid Caribbean coast
October Wet season continues Rain easing, cooling Day of the Dead
November Transitional Rain easing Day of the Dead, shoulder
December Dry season returns Warm, dry, festive Peak season returns

Mexico City and the central highlands (also called the Mexican Altiplano), like Guanajuato, Querétaro, and San Miguel de Allende, are comfortably warm year-round due to altitude. But it rarely exceeds 28°C. Temperatures might fall under 10°C in the winter, especially at night. The Coastal areas on both the Caribbean and Pacific remain hot and humid year-round, especially from May to October. Northern Mexico is generally hotter and drier, with summer temperatures often exceeding 35°C.

Best time for the Caribbean coast

Most visitors looking to explore Mexico’s beach life head to the Caribbean coast.  It has a tropical climate and includes Cancun, Playa del Carmen, Tulum, and the Riviera Maya. However, the weather conditions here change significantly throughout the year.

The best time to visit is from December to April

This is the dry season and offers the best beach weather. Expect sunny days, warm temperatures between 26°C and 30°C, low humidity, and calm, clear waters that are ideal for swimming, snorkelling, and diving. It is also the busiest and most expensive period, particularly during Christmas, New Year, and Easter, so book well in advance. The Caribbean coast at its best is January through March, when humidity is low and rainfall is minimal.

Check out Visit Mexico as you plan your trip.

Hurricane season (June to November)

The Atlantic hurricane season is from June to November. The highest risk is usually around August and October, and especially in September. Direct hurricanes are not so common, but tropical storms usually bring heavy rain, rough seas, and temporary beach closures. If you are travelling during this period, consider purchasing travel insurance that covers weather-related disruption.

Sargassum seaweed (May to October)

Between January and July 2026, Mexican workers picked up over 96,000 metric tons of sargassum, a new record. The Caribbean coast has been experiencing high amounts of sargassum seaweed in recent years, especially between Cancun and Tulum. The severity varies each year, and by location, so it's worth checking recent beach conditions before booking if spending time on the beach is your priority.

Best months for the Caribbean coast: January, February, and March.

Best time for the Pacific coast and central Mexico

The best time to visit the Pacific coast and central Mexico depends on where you are going.

  • Puerto Vallarta and Mazatlán (Pacific coast): The best time to visit is November to May, when the weather is dry, warm, and sunny. The rainy season lasts from June to October, bringing heavy afternoon showers, although mornings are often clear. Tropical storms occasionally affect the Pacific coast, but the risk is generally lower than on the Caribbean side.
  • Oaxaca: It is best to visit Oaxaca City between November and April. This is when temperatures are pleasant, and rainfall is minimal. Late October and early November are particularly popular because of the famous Day of the Dead celebrations. Coastal destinations such as Puerto Escondido and Huatulco are also driest during this period.
  • Mexico City: Thanks to its high altitude, it enjoys mild temperatures year-round. The dry season (October to May) offers clear skies and comfortable sightseeing weather. During the rainy season, from June to September, showers usually arrive in the afternoon, while mornings remain suitable for exploring.
  • Yucatán Peninsula (Mérida and Chichén Itzá): The best time to visit is October to May, when temperatures are lower and humidity is more manageable. During the summer months, the intense heat can make exploring archaeological sites uncomfortable, particularly around midday.

Cheapest time to visit Mexico and festivals

If you are travelling on a tight budget, then it is better to travel outside the peak tourist seasons. Since there are fewer people visiting, you'll often find cheaper flights, lower hotel rates, and fewer crowds, although you'll need to be more open-minded about the weather.

Low season (June to September)

This is generally the cheapest time to visit Mexico. Flights and accommodation are often 30% to 50% cheaper than during the peak season, especially outside major Mexican school holidays. Expect hot, humid weather with regular afternoon showers, particularly along the Caribbean coast. If you're willing to trade perfect beach weather for lower prices, this is an excellent time to visit.

Shoulder season (May and October to November)

If you are trying to balance travel cost, weather, and crowds, you should consider the shoulder season. Prices are lower than during the peak season (but more expensive than the low season). The weather conditions are, however, better than in the wet months. By October and November, the rains start reducing, and the country starts preparing for one of its most famous cultural celebrations.

Festivals worth planning around

  • Day of the Dead (Día de Muertos), 1 to 2 November: One of Mexico's most iconic celebrations. Cities such as Oaxaca and Mexico City come alive with colourful parades, elaborate altars (ofrendas), candlelit cemeteries, and cultural events.
  • Semana Santa (Holy Week, before Easter): Held in the week leading up to Easter. It is one of the busiest travel periods for tourism in Mexico. Beaches and popular destinations fill up quickly, and accommodation prices rise. Book well in advance if travelling during this period.
  • Christmas and New Year (24 December to 2 January): This is another peak travel season. Beach destinations such as Cancún, Puerto Vallarta, and Los Cabos are especially busy, with some of the year's highest hotel and flight prices.

Money tips for Mexico

Mexico uses the Mexican peso (MXN). Having some cash in pesos is essential, even though card acceptance has improved significantly in tourist areas.

  • Paying by card: Hotels, restaurants, supermarkets, and larger shops in destinations such as Mexico City, Cancún, Playa del Carmen, and Puerto Vallarta generally accept international Visa and Mastercard cards. However, many street vendors, local markets, taxis, and smaller businesses still prefer cash.
  • Using ATMs: ATMs are easy to find in cities and tourist destinations and usually offer better exchange rates than airport exchange counters or hotel currency desks. To reduce withdrawal fees, it's often better to withdraw a reasonable amount at once instead of making several small withdrawals.

Read our guide on how to avoid foreign transaction fees before you travel.

  • Tipping: Tipping is a popular practice in Mexico. You can leave 10% to 15% in restaurants unless a service charge has already been added. It's also common to tip hotel staff, tour guides, drivers, and anyone providing personal service. Carry small peso notes to make this convenient.
  • Using a Grey while travelling: Paying with a Grey Plus Card lets you spend from your USD, GBP, or EUR balance wherever Visa is accepted in Mexico. This can help you avoid the foreign transaction fees that many traditional bank cards charge on international purchases. You can spend abroad with a Grey Card wherever Visa is accepted in Mexico, from resort hotels to city restaurants.
  • Sending money to Mexico: Whether you are supporting family or paying a local vendor in advance, you can send money from the US to Mexico with Grey at transparent rates, and convert to MXN at 1% conversion fee.

Spending while you explore Mexico is easier with a multicurrency account. Send money to Mexico with Grey at transparent rates before and during your trip, and pay with your Grey Card wherever Visa is accepted.

Frequently asked questions

When is the best time to visit Cancun?

January, February, and March are the best months for Cancun. The weather is warm and dry, seas are calm and clear for snorkelling and diving, and the sargassum seaweed problem is at its lowest. Avoid September, which carries the highest hurricane risk of the year.

When is hurricane season in Mexico?

The Atlantic hurricane season runs from June to November. The peak risk period for the Caribbean coast of Mexico is August through October, with September carrying the highest statistical risk. The Pacific coast also has a hurricane season from June to October, though storm frequency and intensity tend to be lower than on the Caribbean side.

What is the cheapest month to visit Mexico?

June, July, and August are typically the cheapest months, particularly for the Caribbean coast. Accommodation prices drop significantly, and flights are often cheaper outside school holiday periods. The trade-off is the wet season, with afternoon rains and hurricane risk on the coasts.

Is Mexico expensive to visit?

Mexico offers a wide range of price points. The all-inclusive resort areas around Cancun and Los Cabos are expensive by regional standards. Budget travel in Oaxaca, Merida, and Mexico City is very affordable. A mid-range traveller in Mexico City can eat and get around comfortably on $50 to $80 per day. Beach resorts during peak season cost significantly more.

What currency does Mexico use?

Mexico uses the Mexican peso (MXN). USD is accepted at many tourist-facing businesses in Cancun and border towns, though the exchange rate applied may not be favourable. Paying in pesos rather than USD at places that accept both generally produces a better outcome.

Can I pay by card in Mexico?

In major tourist areas, cities, and mid-range and upscale establishments, yes. In smaller towns, local markets, street food stalls, and budget accommodation, cash is expected. Always carry pesos for situations where card payment is not accepted. Tell your bank or card provider that you are travelling to Mexico to avoid transactions being blocked as suspicious.

Last updated:

October 3, 2026

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Send Canadian dollars with Grey

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Everything we do at Grey is aimed at making it easier for you to make global payments.

We’re excited to announce that Grey now supports Canadian dollars (CAD) payments, which means you can send money to Canada directly from your Grey account via Interac e-Transfer.

You can pay freelancers, send money to family, or make cross-border payments to Canadian businesses right from your phone.

What exactly does this mean for you?

Send money to Canada easily‍

Because we’ve integrated with Interac e-Transfer, you can send money directly to any Canadian bank account. You’ll only pay a flat $3 fee, regardless of how much you’re sending.

Expand your global operations with less friction

‍CAD joins our growing list of supported currencies, giving you more flexibility when operating across borders.

No additional setup required

‍It’s the same Grey account you already have. Sending CAD works exactly like sending any other currency through Grey. There’s no confusion about exchange rates and no need for the recipients to sign up for anything.

How does sending CAD work with Grey?

We’ve kept things simple. Here’s how to send Canadian Dollars using Grey:

  1. Log in to your Grey account.
    ‍
  2. Click “Send”.
Send Canadian dollars with Grey

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2. On the “Send Money” tab, select “Send via Interac”.

Send Canadian dollars with Grey

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3. Select Canada as the destination and choose CAD as the currency.

Send Canadian dollars with Grey

4. Enter the recipient’s details and confirm the transfer.

Send Canadian dollars with Grey

Enjoy global payments with Grey

At Grey, our mission is to make globalisation work for everyone. Supporting payments in Canadian Dollars takes us closer towards achieving that goal.

We want more freelancers, businesses, and remote workers to operate internationally without friction.

More currencies, more countries, and more ways to manage money across borders, that’s where we’re headed.

Open a free Grey account today, or download the app to get started.

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Top activities for tourists in Zanzibar in 2024

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2 min read

Zanzibar is a group of islands, i.e., an archipelago, located off the coast of Tanzania in East Africa. It's a melting pot of languages, cuisines, and cultures and home to some of the most beautiful beaches in the world, making it a popular tourist spot. Beyond its beaches, it’s also a top destination for history enthusiasts, nature lovers, and adventure seekers.

In this post, we’ll curate a list of activities to ensure your trip to Zanzibar is memorable.

But first, when’s the best time to visit Zanzibar?

The best time to visit is during the dry season, from June to October. This is also the peak safari season in Tanzania, which makes Zanzibar a popular post-safari destination choice.

January and March are also great times to visit because the beaches have peak diving conditions, and you can explore the lagoons and coral reefs in clear waters.

Now that you know when to visit, let’s look at some must-do activities in Zanzibar.

Top Activities in Zanzibar

Go on a snorkeling tour.

You can kickstart your trip by taking a snorkeling tour to explore the stunning coral reefs and diverse marine life, such as lionfish, sting rays, sea turtles, and dolphins around the archipelago islands.

snorkelling in Zanzibar

This 5-hour tour is usually conducted at Mnemba island because of the high visibility of its water. You’ll be accompanied by a professional guide providing safety instructions and insights while on the tour.

A trip to Stone Town:

Stone Town is the historic heart of Zanzibar City and a UNESCO World Heritage Site. The Arabs built this town during the slave trade, and it’s renowned for its well-preserved historic architecture. Some of the things you can do in Stone Town include:

  • Visit the slave monument
  • Visit the Old Fort
  • Visit the night market
  • Visit the Forodhani Gardens
  • Visit the Hamamni Persian Baths

A guided tour is the best way to familiarize yourself with Stone Town and its history.

Go on a spice tour:

Zanzibar is often called “Spice Island” due to its nutmeg, pepper, and cinnamon production. During the spice tour, you’ll learn the islands’ relationship with spices and how they are grown, harvested, and prepared to make medicines and food.

spice tour Zanzibar

Kitesurf:

Kitesurfing is a popular activity for tourists in Zanzibar. Paje, a small village on the southeastern coast of Unguja island — the main island of the Zanzibar archipelago — is said to be one of the best places in the world to kitesurf.

kite surfing Zanzibar

This is primarily due to its excellent wind conditions and relatively calm waters, allowing beginners to learn and improve. You can also get a 3-hour kitesurfing lesson for €110.

Nature walk in the Jozani forest:

This is one activity you can’t miss out on while in Zanzibar. The Jozani forest is a protected area in the center-eastern region of Unguja island, and it’s the only home to the endangered Red Colobus Monkey.

Jozani forest Zanzibar

It also hosts a variety of wildlife, such as leopards, lemurs, civet cats, pygmy antelopes, and bush babies.

You can take a guided tour to explore this forest; it usually takes an hour. This would also allow you to learn about the different types of wildlife and their medicinal uses.

Dine at The Rock:

The Rock is a famous picturesque restaurant on a rock formation near the beach.

Aside from its stunning ocean view and intimate setting, this restaurant is famous in Zanzibar for its excellent food, making it a tourist favorite. Most seafood is freshly caught from the reefs near the restaurant.

Relax at the beach:

This list would be incomplete without this. Zanzibar is famous for its white sandy beaches and clear blue waters, making it the perfect place to enjoy a beach holiday.

Beach Zanzibar

You can soak in the scenery, dip in the ocean, or even swim with dolphins.

Wrapping up

Traveling to Zanzibar can be a great way to unwind and learn about different cultures in an immersive way. And as a tourist, the last thing you want to worry about is currency exchange, which is why Grey has you covered.

We’ve made it easy for you to convert your money to Tanzanian shillings (TZS) so you can focus on making memories without the stress of navigating currency exchanges. Get started today by opening a Grey account.

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The best summer holiday destinations in the Philippines

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2 min read

Have you ever dreamed of escaping to a place where turquoise waters meet powdery white sand, where lush mountains rise in the distance, and every sunset looks like it was painted just for you? That’s the Philippines, a country made up of more than 7,600 islands, each with its own charm. Every time I visit, I find something new to fall in love with.

Whether you’re craving adventure, a quiet beach retreat, or a deep dive into rich cultural experiences, the Philippines has something for you. And let’s not forget the warm hospitality — Filipinos are known for their friendliness, making visitors feel right at home from the moment they arrive.

If you’re thinking about a summer holiday in the Philippines, here are some of the best places to visit that will make your trip unforgettable.

Best places to visit in the Philippines for summer holidays

From world-famous beaches to hidden gems, here are some of my top must-visit places for an unforgettable summer escape:

1. Boracay – The island of white sand beaches

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Boracay is one of those places that feels like a postcard come to life. The powdery white sand is so soft it almost feels unreal, and the sunsets? Absolutely breathtaking. White Beach is where most of the action happens, but depending on what you’re in the mood for, you can pick your vibe:

  • Station 1 – Home to upscale resorts and the widest stretch of fine white sand, ideal for a quieter and more luxurious experience.
  • Station 2 – The heart of Boracay’s action, where shopping, restaurants, and nightlife come to life.
  • Station 3 – A more peaceful area with budget-friendly accommodations and a laid-back vibe.

Beyond White Beach, you will love spending time at Puka Shell Beach for a quieter escape, Bulabog Beach for kitesurfing, and Diniwid Beach for a cosy sunset spot away from the crowds.

Must-do experiences in Boracay:

  • Try parasailing, snorkelling, or paddleboarding in the turquoise waters.
  • Take a sunset paraw (local sailboat) ride — it’s pure magic.
  • If you’re feeling adventurous, go cliff diving at Ariel’s Point.
  • Experience Boracay’s nightlife, where fire dancers and beachside cocktails set the mood.

Also read: How to apply for a digital nomad visa in the Philippines

2. Palawan – A paradise of lagoons and limestone cliffs

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If you ask me about my happy place, it’s Palawan. It’s where you find those impossibly blue lagoons, towering limestone cliffs, and hidden beaches straight out of a travel magazine. Every corner of Palawan feels untouched and breathtaking.

Here’s where you should go:

  • El Nido – Stunning lagoons, dramatic cliffs, and secret beaches. Island hopping here is a must.
  • Coron – A diver’s paradise with crystal-clear lakes and World War II shipwrecks.
  • Puerto Princesa – Home to the Puerto Princesa Underground River, one of the New Seven Wonders of Nature.
  • Port Barton – A quieter, more relaxed alternative to El Nido, with incredible island-hopping adventures.

What makes Palawan special?

  • Snorkelling in coral-filled waters and swimming alongside sea turtles.
  • Kayaking through hidden lagoons and mangroves.
  • Exploring remote islands where you’ll feel like the only person in the world.
  • Watching the sunset from a secluded beach, surrounded by nothing but nature.

3. Cebu – A mix of history and adventure

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Cebu has it all — history, adventure, and some of the best beaches in the Philippines. One day, you could be exploring Spanish-era churches, and the next, swimming with whale sharks or chasing waterfalls.

Places you can’t miss in Cebu:

  • Cebu City – Visit Magellan’s Cross, the Basilica Minore del Santo Niño, and the Taoist Temple.
  • Oslob – Swim with the gentle giants — whale sharks (don’t worry, it’s safe).
  • Moalboal – Witness the incredible sardine run and dive into a world of colourful corals.
  • Kawasan Falls – Go canyoneering through turquoise waterfalls and jungle trails.
  • Bantayan & Malapascua Islands – Tranquil, beautiful, and perfect for escaping the crowds.

If you love food, don’t leave Cebu without trying lechon (roast pig) and the famous dried mangoes.

You may also like: How to open US and UK bank accounts in the Philippines

4. Siargao – The laid-back island escape

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Siargao is my ultimate chill-out spot. It’s known as the surfing capital of the Philippines, but even if you don’t surf, you’ll fall in love with its island vibes. Palm trees line the roads, fresh coconut stalls are everywhere, and life moves at a slow, blissful pace.

Siargao highlights:

  • Cloud 9 – The world-famous surf break, even if you’re just there to watch.
  • Sugba Lagoon – Perfect for paddleboarding and kayaking in emerald-green waters.
  • Magpupungko Rock Pools – Crystal-clear tidal pools that appear during low tide.
  • Island hopping – Naked Island, Daku Island, and Guyam Island are must-visits.
  • Sohoton Cove – Swim with stingless jellyfish in a magical lagoon.

Why Siargao stole my heart:

  • The sunrises and sunsets here are something else.
  • The food scene is incredible — smoothie bowls, fresh seafood, and local delicacies.
  • Riding a motorbike around the island is the best way to explore hidden beaches.
  • The island’s laid-back energy makes it impossible to leave.

5. Bohol – Home to the Chocolate Hills

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Bohol is one of those destinations that surprises you. It has one of the most unique landscapes in the world — the Chocolate Hills — but that’s just the beginning.

Must-see places in Bohol:

  • Chocolate Hills – Over 1,200 perfectly rounded hills that turn brown in the dry season.
  • Tarsier Conservation Area – Get up close (but not too close!) to the adorable, wide-eyed tarsiers.
  • Loboc River Cruise – Enjoy a peaceful lunch while floating down a jungle river.
  • Panglao Island – White-sand beaches, world-class diving, and snorkelling with sea turtles.
  • Hinagdanan Cave – An underground lagoon where sunlight creates a magical glow.

Bohol is for you if:

  • You love nature and wildlife.
  • You want a mix of adventure, culture, and relaxation.
  • You enjoy exploring places that feel untouched by mass tourism.

Also read: Top 8 digital nomad cities for remote workers in Southeast Asia

The best way to manage payments while travelling to the Philippines

One thing I’ve learned while travelling is that managing money can be tricky, especially when dealing with currency exchange and international transactions. That’s where Grey makes life easier — you can send, receive, and exchange money in multiple currencies without the crazy fees traditional banks charge. It’s a game-changer when you’re travelling.

Make your summer travel to the Philippines stress-free with Grey

So, if the Philippines is on your summer bucket list (which it absolutely should be!), get ready for the adventure of a lifetime. Pack your bags, explore these incredible destinations, and let Grey handle your international payments seamlessly.

Sign up for a Grey account today, or download the app to get started.

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Convert pounds to naira at the best rates online

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2 min read

When converting British pounds (GBP) to Nigerian naira (NGN) through traditional banks, hidden fees, slow transfers, and poor exchange rates are common. This can be annoying because, in truth, every penny matters. With traditional banks and transfer services, you often lose a chunk of your earnings before the money even lands in your account.

Thankfully, there’s a faster, easier, and more cost-effective way. With Grey, you can convert GBP to NGN at competitive rates and without unnecessary delays. In this guide, I’ll show you exactly how to do that and why Grey is the best choice for currency exchange in Nigeria.

Common challenges when converting GBP to NGN

Converting British pounds in Nigeria isn’t always straightforward. Many users face:

  • Unfavourable exchange rates: Banks and transfer providers often mark up rates significantly.
  • Hidden fees: Extra charges can quickly eat into your funds.
  • Slow transfers: Traditional banking systems are notorious for long processing times.
  • Limited flexibility: Some platforms restrict how or when you can access your funds.

Grey eliminates these pain points, making it possible to convert and withdraw funds without hassle.

Also read: The easiest way to open an offshore bank account online for free

How to open a GBP account in Nigeria with Grey

Opening a virtual GBP account used to involve paperwork and international trips. With Grey, the process takes just minutes:

  1. Sign up for a Grey account: Head to Grey.co or download the app to get started.
  2. Verify your identity: Upload a valid ID and complete a quick KYC (Know Your Customer) process.
  3. Access your GBP account: Once verified, you’ll get a virtual UK account with all the details you need.
  4. Receive payments: Share your account number with UK clients, family, or platforms like Payoneer and Amazon.

You can start receiving GBP payments instantly without touching a traditional bank.

Also read: High-paying remote jobs you can land without experience

How to convert GBP to Naira using Grey

Once your funds hit your GBP account on Grey, converting them to naira is seamless:

  1. Log into your Grey account via web or app.
  2. Go to your GBP wallet and tap “Convert”.
  3. Enter the amount you want to exchange.
  4. View the real-time exchange rate and confirm the transaction.
  5. Converted Naira will instantly appear in your NGN wallet, ready to withdraw.

No delays. No guesswork. Just quick, transparent currency exchange.

Why choose Grey for GBP to naira conversions

Here’s why Grey stands out:

  • Best-in-market exchange rates: Get more Naira for every pound you convert.
  • Low, transparent fees: No hidden charges or surprises.
  • Fast processing: Convert and withdraw within minutes.
  • Multi-currency wallets: Hold, convert, and manage funds in GBP, USD, EUR, and NGN.
  • Easy withdrawals: Send money directly to any Nigerian bank account.

Tips to get the best GBP to NGN exchange rates

Want to make your money go even further? Here are a few smart tips:

  • Watch the rates: Grey’s live dashboard helps you monitor real-time rates and convert when they’re in your favour.
  • Convert in larger amounts: Converting bulk amounts can help minimise transaction fees.
  • Use GBP for regular payments: Holding a GBP wallet lets you decide the best time to convert.

Also read: The easiest way to get a virtual dollar account for AdSense earnings

The smarter way to manage GBP payments in Nigeria

With Grey, you can keep more of what you earn and enjoy total control over your international finances.

Create your Grey account today or download the app to enjoy inclusive global banking, designed for you to carry your dreams across borders.

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How to open a US bank account as a temporary visitor or on a visit visa

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2 min read

You’ve landed in the United States for a few months, maybe for a family visit, a business trip, or to explore the country as a digital nomad. Somewhere along the way, you realise how helpful it would be to have a US bank account. Paying for services, receiving payments from abroad, or just avoiding foreign exchange fees, it all becomes easier when you have access to a US account.

But if you’re not a resident or citizen, opening a bank account in the US can feel like hitting a brick wall. The good news? There’s a way around it — you can open a virtual USD account with Grey, no matter where you are in the world.

I’ll show you how to open a US bank account as a temporary visitor or tourist, and how Grey makes the process seamless and borderless.

Can you open a US bank account as a visitor?

Technically, yes — but the process through traditional banks is not easy or visitor-friendly.

Most US banks require the following:

  • A US address
  • A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Two forms of government-issued ID
  • In-person visits to a branch for verification

For most short-term visitors or digital nomads, this creates a barrier. Without US documentation, you’ll likely be turned away. And even if you manage to open an account, maintaining it remotely or accessing your funds from outside the US can be challenging.

That’s why many travellers are turning to international financial platforms like Grey, which offer the same functionality, minus the paperwork and limitations.

Also read: How to open US and UK bank accounts in East Africa

Why you might need a US bank account as a visitor

Opening a US account is a strategic financial move during your stay. With a USD account, you can:

  • Receive payments from US employers, clients, or freelance platforms like Upwork or Fiverr.
  • Shop online from US retailers without worrying about foreign transaction fees.
  • Avoid high exchange rates and withdrawal charges when spending or withdrawing USD.
  • Pay for subscriptions and services like Amazon, Netflix US, or local apps with ease.
  • Manage your finances in USD while keeping your local currency untouched.

If you're a digital nomad or a freelancer travelling through the US, having access to a stable, fully functional USD account makes everyday transactions much simpler.

Also read: How to open US bank accounts in Cameroon

Opening a US bank account as a temporary visitor or on a visit visa with Grey

Grey offers a frictionless way to open and manage a USD account from anywhere, without needing a US address or citizenship. With Grey, you get access to a virtual USD account that works just like a domestic US bank account. You can send, receive, hold, and convert US dollars, all from your phone or laptop. Here’s how to do it:

Sign up

Head to grey.co or download the Grey app to create your account. It takes just a few minutes.

Complete your identity verification (KYC)

Upload a government-issued ID (passport, national ID, or driver’s license), a selfie, and a proof of address document. Grey uses this to verify your identity and ensure your account is secure and compliant with regulations.

Get your virtual USD account

Once verified, you can generate a fully functional USD account. It comes with a US account number and routing number.

Receive payments globally

Share your USD account details with clients, employers, or platforms like Amazon, or Upwork. They can pay you directly, and funds will be credited to your Grey account.

Convert and withdraw funds

Use Grey’s built-in currency converter to switch between USD, GBP, EUR, and your local currency. Withdraw the funds to your local bank at competitive exchange rates.

Also read: Fastest way to receive USD freelance payments in China

Why Grey is ideal for temporary visitors in the US

Traditional banks in the US aren’t built for travellers. From requiring a Social Security Number to in-person visits, the process can be daunting for short-term visitors. Grey, on the other hand, was designed specifically for people who live, work, or travel across borders.

Here’s why it works so well:

  • No US residency required: You don’t need to be a US citizen, green card holder, or even physically present in the US to open an account with Grey.
  • Instant access to a USD account: Grey gives you real US banking details, which you can use for freelance platforms, online shopping, or receiving payments from clients and family.
  • Multi-currency support: Alongside your USD account, you’ll also get access to EUR, GBP, and other currencies. This is perfect for managing international payments while travelling.
  • Competitive rates and low fees: Grey offers better exchange rates and lower fees than traditional banks or money transfer services — especially helpful when converting between currencies.
  • 100% digital onboarding: The entire sign-up process is remote. You don’t need to visit a branch or deal with paperwork.
  • Withdraw to your local account: Once you receive funds in your Grey USD account, you can convert and withdraw them to your local bank account wherever you are.

Also read: How to create US and UK bank accounts as a migrant worker

For anyone visiting the US temporarily, Grey offers a modern, stress-free way to manage money internationally. You get all the benefits of a US-based bank account, without the paperwork, red tape, or restrictions. Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

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How to exchange currency safely when visiting Indonesia

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2 min read

Indonesia is a dream destination for travellers. Bali’s serene landscapes, Jakarta’s vibrant nightlife and Yogyakarta’s historical wonders — it doesn’t get better than that. To enjoy all of these things, though, having local currency on hand is important.

Fret not. I’ll teach you how to convert your currency into Indonesian Rupiah (IDR), ensuring you get the best value for your money.

Understanding the Indonesian Rupiah (IDR)

Before you exchange money, it’s important to understand Indonesia’s currency. The Indonesian Rupiah (IDR) comes in various denominations, with common banknotes being 1,000, 5,000, 10,000, 50,000, and 100,000 IDR. Due to the large numbers on the bills, be mindful when handling cash to avoid confusion or overpayment. Exchange rates fluctuate, so it’s a good idea to check the current rate before exchanging money.

Also read: How to open US and UK bank accounts in Indonesia

Best ways to exchange money in Indonesia

There are several options for exchanging currency, but not all are equally safe or cost-effective. Here are the most reliable methods:

1. Banks and authorised money changers

One of the safest ways to convert your money into IDR is through banks or licensed exchange offices. Look for authorised money changers approved by Bank Indonesia, as they follow strict regulations to ensure fair transactions. Reputable options include VIP Money Changer, Dirgahayu Valuta Prima, and Central Kuta Money Exchange.

Tips for safe currency exchange:

  • Always count your money before leaving the counter.
  • Ensure it’s an authorised exchange office — look for official signage and licensing.
  • Avoid exchanging large sums at the airport, where rates are usually less favourable.

2. Withdrawing cash from ATMs

If you prefer convenience, using an ATM is a safe and easy way to withdraw IDR at competitive exchange rates. Major banks like Mandiri, BCA, BNI, and CIMB Niaga have ATMs across the country.

Things to keep in mind:

  • Use ATMs in well-lit, secure areas like malls or banks.
  • Withdraw larger amounts at once to minimise transaction fees.
  • Cover the keypad when entering your PIN to protect against skimming devices.

3. Using multi-currency accounts like Grey

A multi-currency account like Grey is an excellent option for seamless international transactions. With Grey, you can receive, hold, and convert currencies like USD, EUR, and GBP at competitive rates, eliminating the need for physical cash exchanges.

Why choose Grey for currency exchange?

  • Lower fees than traditional banks and exchange bureaus.
  • Instant conversions between multiple currencies.
  • Secure transactions without worrying about counterfeit bills or scams.
  • Ease of use. You can manage your money digitally from anywhere.

Tips to avoid currency exchange scams

Currency exchange scams are common in tourist-heavy areas. Here’s how to stay safe:

  • Avoid unauthorised money changers. If a rate seems too good to be true, it probably is.
  • Double-check your bills. Some scammers use sleight of hand to shortchange tourists.
  • Ask for a receipt. A legitimate money changer will provide one.
  • Be cautious with street exchangers. Stick to banks and reputable exchange offices.

Also read: How to send money to Indonesia

Should you use cash or card?

Cash is still widely used in Indonesia, especially in smaller shops, local markets, and rural areas. However, credit and debit cards (Visa and Mastercard) are accepted in hotels, restaurants, and shopping malls.

Also read: How to get an instant USD debit card in Indonesia

Making transactions seamless with Grey

For a hassle-free way to manage your money while travelling, Grey offers a secure and cost-effective multi-currency solution. Instead of worrying about cash exchange or high bank fees, you can:

  • Convert USD, EUR, and GBP to IDR instantly at competitive rates.
  • Receive and hold multiple currencies in one account.
  • Transfer funds internationally without the high fees of traditional banks.

Travel smart with secure currency exchange

Navigating currency exchange in Indonesia isn’t nearly as stressful as it sounds. You can ensure safe, hassle-free transactions throughout your trip by using authorised money changers, trusted ATMs, or a multi-currency account like Grey.

Planning a visit to Indonesia? Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

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