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Daily costs in Japan are the same regardless of origin. Consider holding USD or yen before departure to avoid poor exchange rates at African airports."}}]}] </script>

How much does a trip to Japan from the US cost? A full budget breakdown

Priscila Marotti

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You pull up flights to Tokyo. $1,200 round trip from New York. You check hotels. $150 a night in Shinjuku. You start doing the maths and the number climbs past $3,000 before you've added food or a single bullet train ticket. Then you land and discover that a bowl of tonkotsu ramen costs $7, a metro ride across Tokyo is $2, and a Shinto shrine charges $3 to enter. The flights and hotels are expensive. Everything else is cheaper than a week in most European or American cities.

A one-week trip to Japan costs roughly $1,500 to $4,000 per person, depending on where you fly from and your travel style. Budget travellers can manage around $1,500 to $2,200, mid-range around $2,500 to $4,000, and luxury $6,000 or more. Flights are the biggest variable by region.

This guide breaks down costs from five origin regions so you can budget accurately regardless of where you're flying from. For help building your itinerary, use the free trip itinerary template.

How much does a trip to Japan cost? Budget range overview

How much is a trip to Japan? The answer depends on three things: where you fly from, how you sleep, and how fast you move between cities. Here's the range for a solo traveller spending 7 nights:

Travel Style 7-Night Total (Solo) Daily Spend (Excl. Flight)
Budget (hostels, konbini meals, local trains) $1,500 to $2,200 $80 to $120
Mid-range (business hotels, restaurants, JR Pass) $2,500 to $4,000 $150 to $250
Luxury (ryokans, kaiseki, taxis) $5,000 to $8,000+ $400 to $700+

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The highest single cost is always the flight. After that, accommodation and intercity transport (especially bullet trains) determine which tier you're in. Food, attractions, and local transport are comparatively cheap. A budget traveller eating at convenience stores, taking local trains, and sleeping in hostels can see most of what Japan offers for under $100 a day.

How much does a trip to Japan cost from the USA?

Round-trip flights from major US cities to Tokyo (Narita or Haneda) typically cost $800 to $1,400 in economy. Direct flights from the West Coast (LA, San Francisco, Seattle) are cheaper and shorter (10 to 11 hours). East Coast departures (New York, Chicago) are more expensive and add connection time or a longer direct route (13 to 14 hours).

Low season (January to early March, excluding holidays) drops fares to the $700 to $900 range. Cherry blossom season (late March to mid-April) and Golden Week (late April to early May) push fares past $1,200. Summer (July to August) and autumn foliage (October to November) sit in the middle.

Expense Budget Mid-Range
Round-trip flight $700 to $1,000 $1,000 to $1,400
Accommodation (7 nights) $280 to $490 $560 to $1,050
Food (7 days) $175 to $280 $280 to $490
Transport (7 days) $100 to $180 $250 to $400
Activities (7 days) $50 to $100 $100 to $250
Total per person $1,500 to $2,200 $2,500 to $4,000

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How much does a trip to Japan cost from North America (Canada and Mexico)?

From Canada, round-trip flights from Vancouver are the cheapest, ranging from $800 to $1,200 (direct flights available). Toronto adds $200 to $400 to those ranges because most routes connect through Vancouver, Seattle, or a Pacific hub. From Mexico City, flights typically route through the US or via a transpacific airline and cost $1,000 to $1,700.

Once in Japan, daily costs are identical to those for US travellers. The only difference is the flight. Budget total for 7 nights from Canada: $1,600 to $2,400. From Mexico: $1,800 to $2,800.

How much does a trip to Japan cost from Europe?

Flights from London, Paris, and Frankfurt to Tokyo run $700 to $1,300 (roughly EUR 650 to EUR 1,200). Airlines like Finnair (via Helsinki), Turkish Airlines (via Istanbul), and ANA (direct from London or Paris) compete on this route, keeping prices reasonable despite the distance. Low-season fares dip below $700.

The yen's weakness against the euro and pound in recent years has made Japan's daily costs cheaper for European travellers than they look in dollar terms. A meal that costs 1,500 yen ($10) feels like a bargain against London or Paris restaurant prices. Budget total for 7 nights from Europe: $1,500 to $2,200. Mid-range: $2,300 to $3,800.

How much does a trip to japan cost from Africa?

There are no direct flights from any African city to Japan. The most common routes connect through Dubai (Emirates), Doha (Qatar Airways), or Istanbul (Turkish Airlines). From Lagos, Nairobi, or Johannesburg, round-trip fares range from $900 to $1,800, depending on the season and layover time. Two-stop itineraries are cheaper but add 20+ hours of travel.

Once in Japan, costs are the same as for any other origin. The flight premium is the main budget difference. Budget total for 7 nights from Africa: $1,700 to $2,600. Mid-range: $2,700 to $4,200. Currency conversion is a factor: if you're earning in naira, rand, or shillings, holding USD or yen before travel avoids unfavourable airport exchange rates.

How much does a trip to Japan cost from South America?

Flights from Sao Paulo or Buenos Aires to Tokyo are among the longest and most expensive: $1,300 to $2,200 round trip. Most routes connect through the US (Dallas, Houston, LA) or the Middle East. Timing matters: January and February fares are lowest. No direct flights exist from South America to Japan as of 2026.

Budget total for 7 nights from South America: $2,000 to $3,000. Mid-range: $3,000 to $4,500. The flight is the single largest expense. Once on the ground, Japan's daily costs are manageable, but the airfare takes a bigger bite of the total budget than from any other region.

Trip to Japan cost breakdown: Flights, hotels, food and activities

Here's every line item for a 7-day Japan trip, regardless of origin:

Expense Budget Range Notes
Round-trip flight (US origin) $700 to $1,400 West Coast cheaper; book 2 to 3 months ahead
Accommodation per night $40 to $200 Hostels $40 to $70, business hotels $80 to $150, ryokans $150 to $400+
JR Pass (7-day) $335 Covers bullet trains; only worth it if you take 3+ long-distance trips
Local transport per day $5 to $15 Metro, buses; buy a Suica or Pasmo IC card
Food per day $25 to $70 Konbini breakfast $3 to $5, ramen $7 to $12, sit-down dinner $15 to $40
Activities per day $10 to $35 Temples $3 to $5, museums $7 to $15, theme parks $55 to $75
eSIM data (7 days) $4 to $10 Prepaid data plan; essential for maps and translation
Travel insurance (7 days) $15 to $50 Basic medical + trip cancellation coverage

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On the JR Pass: at $335 for 7 days, the Japan Rail Pass is only worth buying if you plan at least 2 to 3 long-distance bullet train trips (Tokyo to Kyoto is $100 each way). If you're staying in one city, local trains and metro passes are much cheaper. If you're buying JR tickets individually, hold Japanese yen in advance and pay at station kiosks to avoid airport exchange markups.

How to Budget and Pay for Your Trip to Japan

Japan is still heavily cash-dependent in smaller shops, izakayas, and rural areas. Major chains and department stores accept cards, but you'll need cash for temple admission, street food, local buses, and smaller restaurants. Here's how to handle the money side:

Carry some yen in cash. Withdraw from 7-Eleven ATMs (available nationwide, 24/7) or exchange before departure. Airport exchange desks give the worst rates.

Use a card with no foreign transaction fee. Japan's card acceptance has improved, but foreign transaction fees of 1.5 to 3% eat into your budget on every tap. Grey's virtual card charges a 1% conversion fee capped at $6. That's cheaper than most bank cards on any purchase over $600. The Grey card works everywhere Visa is accepted, including convenience stores, department stores, and train stations.

Get a travel eSIM before you fly. Japan has free Wi-Fi in stations and convenience stores, but it's patchy and slow. A prepaid eSIM plan gives you data for Google Maps, Google Translate, and train schedules without hunting for hotspots. Buy a travel eSIM for Japan through Grey's Lifestyle tab before departure.

Move money before you travel. Sending money ahead to a Japanese bank account for tuition, a rent deposit, or a ryokan booking? Move money before you travel through Grey. The fee is 1% capped at $6. Far cheaper than a bank wire.

Frequently asked questions about the cost of a trip to Japan from the US

How much does a trip to Japan cost for 7 days?

A 7-day trip to Japan costs $1,500 to $4,000 per person from the US, depending on travel style. Budget travellers staying in hostels and eating at convenience stores spend $1,500 to $2,200. Mid-range travellers using business hotels, JR Pass, and restaurants spend $2,500 to $4,000. Flights are the biggest variable: West Coast departures are $200 to $400 cheaper than East Coast.

Is Japan expensive for tourists?

Japan's reputation for being expensive is outdated. Daily spending (food, transport, activities) is lower than in London, Paris, or New York. A bowl of ramen costs $7 to $12. A metro ride is $2 to $4. Temple admission is $3 to $5. The expensive parts are flights (especially from Africa and South America) and bullet trains ($100+ per trip). The weak yen has also made Japan cheaper for visitors holding dollars, euros, or pounds.

How much spending money do I need per day in Japan?

Budget travellers need $80 to $120 per day for accommodation, food, transport, and activities. Mid-range travellers need $150 to $250 per day. This excludes flights. Carry some cash (yen) for smaller shops and rural areas. Use a card with no foreign transaction fee for larger purchases to avoid 1.5 to 3% markups on every tap.

Is the JR Pass worth it?

Only if you take 3 or more long-distance bullet train trips in 7 days. At $335, the JR Pass breaks even if you ride from Tokyo to Kyoto round-trip ($200) plus one more Shinkansen trip. If you're staying in one city or only making one intercity trip, buying individual tickets is cheaper. The JR Pass also covers some local JR lines, which adds value if you're moving between cities daily.

What is the cheapest month to visit Japan?

January and February are the cheapest months. Flights drop to $700 to $900 from the US, and hotels offer low-season rates. The weather is cold but dry. Avoid the last week of December (New Year) and the first week of January (holiday crowds). Late May (after Golden Week) and September are also good values with better weather.

How much would a trip to Japan cost from Africa?

A 7-day trip to Japan from Lagos, Nairobi, or Johannesburg costs $1,700 to $4,200, depending on travel style. Flights are the biggest expense: $900 to $1,800 round trip via Dubai, Doha, or Istanbul. Daily costs in Japan are the same regardless of origin. Consider holding USD or yen before departure to avoid poor exchange rates at African airports.

Travelling to Japan? Open a Grey account, spend in yen on a virtual card, and buy a travel eSIM before you fly.

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Disclaimer: All prices are estimates based on publicly available data and may change. Flight prices vary by season, airline, and booking date. Hotel prices vary by location and demand. Grey isn't a bank. We're a licensed financial services provider offering multi-currency accounts and virtual cards.

Last updated:

October 6, 2026

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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.
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  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.

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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.

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Top activities for tourists in Zanzibar in 2024

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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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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.

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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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