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No matter whether you're traveling all over the globe or just going on a vacation this sommer, a pre-paid card is the surest way to bring your cash abroad. Summers are on their way and the thoughts revolve around travelling and the seasonally planned excursions for the remainder of the year.

However, apart from finding out how much you have to take with you on your trips, it is also important to consider what type of trip your funds will take. Credit card, bank and debit card payments are still the most common forms of expenditure abroad. However, there is a relatively new supplement to the holiday allowance business - pre-paid calling plans.

This is a card that you preload with funds; it has been around for a few years, but it is becoming more and more popular. A prepaid card looks like a credit card and a debit card, and has the same chips and pins so you can shop for goods and service and make withdrawals at ATMs.

The majority of prespaid calling plans are either part of the Visa or Mastercard system, so they are widely used. Deposit your credit card or debit card in advance with your credit card or bank transfer. It is possible to preload most of your credit card with your card supplier either on-line or by phone and provide your credit or debit card information.

They can also preload tickets at a wide range of UK retailers, as well as the post office. There are usually prepaid calling plans in three currencies: USD, Euros or Pound sterling. When traveling to a US $accepting state, you will need the US $ card; when traveling within Europe, you will need a European Union (Euro) card.

When you travel outside these areas or switch between different currency, buy a card. You' re more secure than money because many companies sell cards for emergencies or replacement money, so if you loose your pre-paid card, you can still go on with your vacation. Additional safety advantages - if your pre-paid card is missing or is stolen, it is not tied to your banking card like your direct debit card, and it has no credit facilities like your credit card, so your risk of cheating is limit.

You are a precious budget support because you are not able to disburse more than the amount you have uploaded to the card. A lot of maps include a card to accompany you, so you can split your cash with your friend or loved one anywhere in the globe. If you run out of cash while travelling, your UK acquaintances and relatives can top up your card.

The use of a pre-paid card prevents the discomfort of having your credit or debit card banned by your local banking institution while you are abroad for fear of cheating. Like any monetary commodity, there are advantages, but also traps. As a rule, pre-paid calling plans are equipped with a fee in one way or another. Typical fee types are card request fee, card usage fee per month, top-up fee, transactions fee, which is a percent of the total cost, and ATM payout fee.

com said travelers should look for the best offer before taking out a pre-paid card. "They are a good way to transport cash abroad, but to buy for the best offer, and you can save many of the costs associated with them.