How much cash can you travel with? (2024)

How much cash can you travel with? (1)

By Ruth Emery
Finance Journalist

Updated 03 May 2023
|Read time: 5 mins

Take note of the rules and limits for taking cash abroad

Many holidaymakers don’t need to worry about the laws around how much money you’re allowed to bring into other countries.

However, if you’re planning to give cash as presents to loved ones abroad, are travelling with a large amount of money to fund a globe-trotting adventure, or perhaps have a cash deposit for an overseas property, then it definitely pays to know the legal limits.

Here we explain the answer to “how much money can I take abroad?” as well as rules around bringing cash into the UK, and any potential fines you may have to pay.

If you’re wondering “how much money can I take abroad?”, the answer is it depends on the country you’re travelling to.

Some countries have laws on the amount of cash someone can bring in, and there are rules around declaring cash at customs. Here’s a handy list of what you can bring into some countries:

  • Travelling to an EU country – cash above €10,000 must be declared

  • USA – cash above $10,000USD must be declared

  • Canada - cash above $10,000CAD must be declared

  • Australia - cash above $10,000AUD must be declared

  • New Zealand - cash above $10,000NZ must be declared

  • Dubai, United Arab Emirates - cash above DH60,000 must be declared

  • Thailand - cash above THB500,000 must be declared

  • Indonesia - cash above IDR 100 million must be declared; any money above IDR 1 billion will be confiscated

    India - cash rupees above 125,000INR or any foreign currency worth more than $5,000USD (or $10,000 cash and travellers’ cheques combined) must be declared.

Is there a limit on how much cash you can take out of the UK?

As well as potential restrictions on how much money you can bring into a foreign country, there are also rules around the amount of cash you can take out of the UK.

If you’re travelling abroad from the UK with £10,000 cash or more, you’ll need to declare it with UK customs. This includes notes and coins, bearer bonds, travellers’ cheques and other cheques (including those that are signed but not made out to a person or organisation).

You can make the declaration online to HMRC, or over the phone, up to 72 hours before you plan to travel. If you fail to make the declaration, your cash could be seized by a Border Force officer, and you may have to pay a fine of up to £5,000 to get it back.

Where can I buy money for travel?

You can buy holiday money online or in person at a bureau de change. For foreign currency with no commission fees, pop into one of the bureaux de change in our John Lewis & Partners shops, or order online. You can either pick up the travel money at a John Lewis or Waitrose near you, or have it delivered to your home the next working day.

Exchange rates in our shops may vary from those offered online.

How much cash can I bring into the UK from abroad?

There is no cash limit to bring into the UK money from abroad, however you do need to declare if you bring cash to the UK of £10,000 or more.

When you arrive in the UK, follow the “goods to declare” or “red channel” signs, and tell a Border Force officer you want to declare cash. There are more details about how to do this on the UK government website.

If you’re looking to exchange leftover travel money when you arrive home from your holiday, you can sell it back at a John Lewis Bureau de Change. We offer competitive rates with no commission fees.

How much money should I take on holiday?

There’s no right or wrong response to this. It depends on your budget and the type of holiday, and of course, you must be careful not to breach any of the rules around how much cash you can travel with.

If you’re wondering whether to take cash or a debit, credit or prepaid card on your travels, take a look at What are the Best Ways to Spend Money Abroad.

Travel money

It’s handy to have some local cash when you go on holiday. For foreign currency at great rates, pop to a Bureau de Change in our John Lewis & Partners shops around the UK or order online using our currency converter.

Exchange rates in our shops may vary from those offered online.

How much cash can you travel with? (2024)

FAQs

How much cash can you travel with? ›

How much money do you have to declare when you travel to or from the U.S.? If you are traveling with an excess of $10,000, you must report it to a Customs and Border Protection (CBP) officer when you enter or exit the U.S. But there is no limit to the amount of money you can travel with.

How much cash can I legally travel with? ›

Traveling with Cash

Although it may seem sketchy, it is perfectly legal to travel with any amount of cash — even very large amounts. You could cram $1 million dollars into your purse if you wanted because there is no cash limit for travel in the U.S.A., as far as domestic flights are concerned.

Can I fly with $2000 cash? ›

There is no limit on the amount of cash or monetary instruments you can bring on flights to the U.S., but you must declare amounts over $10,000 to U.S. Customs using FinCEN Form 105 to comply with anti-money laundering laws. Not declaring could lead to cash seizure and legal consequences.

Is $10,000 cash limit per person or family? ›

Members of a family residing in one household entering the United States that submit a joint or family declaration must declare if the members are collectively carrying currency or monetary instruments in a combined amount over $10,000 on their Customs Declaration Form (CBP Form 6059B).

Can you fly with $10,000 in cash? ›

The short answer is “there is no limit to how much cash you can bring to the airport for a domestic or intentional flight.

How much cash can you fly with locally? ›

Yes, there is no limit to how much money you can take with you on domestic flights, but you should be prepared to answer the TSA questions if carrying a large sum of cash with you.

What is the TSA cash limit? ›

According to U.S. Customs and Border Protection (CBP) regulations, if you are traveling into or out of the United States with more than $10,000 in cash or monetary instruments, you must declare it to customs officials. This rule is in place to combat money laundering and other illegal financial activities.

Will TSA stop you if you have a lot of cash? ›

Traveling through the airport with large sums of cash can be a nerve-wracking experience. While there is no law prohibiting carrying cash on flights, amounts over $10,000 face scrutiny and potential seizure by customs officials if not properly declared.

Can TSA scanners see money? ›

A good X-ray scanner will always detect money. Airport scanners can detect even the smallest amount of metal and can detect paper. The scanners will always look after things that look different to the norm. In this case, if the currency is arranged in bundles, it will be more easily detected.

How much cash can I hold at home? ›

Manmeet Kaur, Partner, Karanjawala & Co, says that there is no set legal restriction on the quantity of cash you can retain at home in India. But it's crucial to make sure the money comes from a reliable source and is reported in your income tax returns (ITR) and, if necessary, your books of accounts.

What is the maximum cash amount allowed? ›

YOU ARE ALLOWED TO CARRY AS MUCH CASH AS YOU WANT OUT OF AND INTO THE UNITED STATES. To summarize up front: no, you are not restricted to traveling with sums of $10,000 or less. In fact, you could travel with a checked bag stuffed to the brim with cash — as long as you declare the amount beforehand.

Why can't you travel with more than 10,000? ›

The most common scenario where traveling with over $10,000 could get you into trouble is if you don't declare it during international travel. That isn't the only risk, though. While it's technically legal to travel domestically with this kind of money, it can arouse suspicion from law enforcement.

Can I fly with 15000 cash? ›

If you are on a domestic flight in the US, there is no limit to the amount of cash or monetary instruments that you can carry. However, the TSA (Transportation Security Administration) security officers at the passenger screening area may ask a passenger who is carrying a large sum of cash to account for the money.

How to carry large amounts of cash safely? ›

Guidelines/Tips for Traveling with Cash
  1. Carry as little currency as possible.
  2. Carry cash in a money belt that sits on your waist (under your clothes) or a money pouch that hangs around your neck.
  3. Keep cash concealed and close to your body at all times.

Why do you have to declare over $10,000? ›

The point of the U.S. customs cash limit is to catch criminals and prevent money from being used to fund illegal activity like money laundering or drug trafficking. Unfortunately, travelers who are otherwise law-abiding citizens sometimes get caught illegally traveling with too much cash.

How much cash can I have on hand legally? ›

The government has no regulations on the amount of money you can legally keep in your house or even the amount of money you can legally own overall. Just, the problem with keeping so much money in one place (likely in the form of cash) — it's very vulnerable to being lost.

Can airport scanners detect cash? ›

A good X-ray scanner will always detect money. Airport scanners can detect even the smallest amount of metal and can detect paper. The scanners will always look after things that look different to the norm. In this case, if the currency is arranged in bundles, it will be more easily detected.

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