Estimates for £1,000
Rates are indicative and change constantly. Always check live rates before exchanging.
Best Ways to Get US Dollars
1. Multi-Currency Travel Cards (Recommended)
Cards from Wise and Revolut let you convert at near mid-market rates and spend directly in dollars. ATMs are widely available in the USA, and most accept international cards. Just be aware that some US ATMs charge their own fees ($2-5).
2. Order Cash Online
If you prefer physical cash, order online from Wise, the Post Office, or Travelex for home delivery or branch collection. This usually beats high street rates and gives you more time to compare.
3. Use Your UK Debit Card
If you have a fee-free debit card (like Starling or Monzo), you can withdraw dollars from US ATMs at the interbank rate. Avoid your regular high street bank card as fees can be 3-4%.
4. Credit Cards for Large Purchases
Credit cards with no foreign transaction fees (like Halifax Clarity) are great for hotels, restaurants, and shopping. You get purchase protection and the interbank rate.
GBP to USD: Key Tips for the USA
- Tipping is expected: Budget an extra 15-20% on top of restaurant bills, taxis, and many services. Tips are often in cash.
- Always decline DCC: If asked "pay in pounds or dollars?", always choose dollars. DCC adds hidden fees.
- Chip + Signature: US cards often use signature rather than PIN. Your UK card will work, but cashiers may be unfamiliar with Chip + PIN.
- $100 bills: Some shops won't accept $100 bills due to counterfeiting concerns. Ask for smaller denominations.
- Sales tax isn't included: Prices displayed don't include tax (varies by state, 0-10%). Your total will be higher at checkout.
Frequently Asked Questions
Multi-currency cards from Wise and Revolut offer the best rates, typically within 0.5% of mid-market. For cash, order online for delivery or use ATMs in the USA with a fee-free card. Avoid airport exchanges which charge 8-10% margins.
Most UK travellers get better value using a travel card and withdrawing dollars from US ATMs. If you want cash before you go, order online from Wise or the Post Office rather than using airport bureaux.
Always pay in dollars (USD). If offered Dynamic Currency Conversion (DCC) to pay in pounds, decline it. DCC typically adds 3-5% in hidden fees and gives you a worse exchange rate.
USA Travel Money Guide
For more detailed information about money in the USA, including ATM tips, tipping culture, and regional advice, see our comprehensive guide:
USA Travel Money Guide →