{"id":342,"date":"2025-07-14T23:43:00","date_gmt":"2025-07-15T03:43:00","guid":{"rendered":"https:\/\/www.clarku.edu\/studyabroad\/?page_id=342"},"modified":"2025-08-08T13:22:38","modified_gmt":"2025-08-08T17:22:38","slug":"banking-and-budgeting","status":"publish","type":"page","link":"https:\/\/www.clarku.edu\/study-abroad\/finance-study-abroad\/banking-and-budgeting\/","title":{"rendered":"Banking and budgeting"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">Finance study abroad<\/h1>\n\n\n<?xml encoding=\"utf-8\" ?><nav class=\"is-responsive wp-block-navigation is-layout-flex wp-block-navigation-is-layout-flex\" aria-label=\"Finance\" data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Menu\"}'><button aria-haspopup=\"dialog\" aria-label=\"Open menu\" class=\"wp-block-navigation__responsive-container-open\" data-wp-on--click=\"actions.openMenuOnClick\" data-wp-on--keydown=\"actions.handleMenuKeydown\"><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><span class=\"menu-title\">Finance<\/span><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\" id=\"modal-1\" data-wp-class--has-modal-open=\"state.isMenuOpen\" data-wp-class--is-menu-open=\"state.isMenuOpen\" data-wp-watch=\"callbacks.initMenu\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--focusout=\"actions.handleMenuFocusout\" tabindex=\"-1\">\n\t\t\t\t\t<div class=\"wp-block-navigation__responsive-close\" tabindex=\"-1\">\n\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-dialog\" data-wp-bind--aria-modal=\"state.ariaModal\" data-wp-bind--aria-label=\"state.ariaLabel\" data-wp-bind--role=\"state.roleAttribute\">\n\t\t\t\t\t\t\t<button aria-label=\"Close menu\" class=\"wp-block-navigation__responsive-container-close\" data-wp-on--click=\"actions.closeMenuOnClick\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m13.06 12 6.47-6.47-1.06-1.06L12 10.94 5.53 4.47 4.47 5.53 10.94 12l-6.47 6.47 1.06 1.06L12 13.06l6.47 6.47 1.06-1.06L13.06 12Z\"><\/path><\/svg><\/button>\n\t\t\t\t\t\t\t<div class=\"wp-block-navigation__responsive-container-content\" data-wp-watch=\"callbacks.focusFirstElement\" id=\"modal-1-content\">\n\t\t\t\t\t\t\t\t<ul class=\"wp-block-navigation__container is-responsive wp-block-navigation\"><li class=\" wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.clarku.edu\/study-abroad\/finance-study-abroad\/\"><span class=\"wp-block-navigation-item__label\">Program overview<\/span><\/a><\/li><li class=\" wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.clarku.edu\/study-abroad\/finance-study-abroad\/scholarships\/\"><span class=\"wp-block-navigation-item__label\">Search scholarships<\/span><\/a><\/li><li class=\" wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.clarku.edu\/study-abroad\/finance-study-abroad\/banking-and-budgeting\/\"><span class=\"wp-block-navigation-item__label\">Banking while abroad<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav>\n\n\n\n<h2 class=\"wp-block-heading\">Banking and budgeting while abroad<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column sidebar is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"intro\">It&#8217;s important to plan your budget before you leave home. Below are some tips to help you manage your finances while abroad. Be sure to also ask your program for additional guidance both before departure and once you\u2019re in-country.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Banking tips<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You may or may not be able to open a bank account in your destination country.&nbsp;However, you will have access to your United States bank account.<\/li>\n\n\n\n<li>It\u2019s best to have access to multiple types of funds (i.e. cash and debit or credit cards)<\/li>\n\n\n\n<li>Be sure the PIN number for the debit card you\u2019ll use abroad is four digits.<\/li>\n\n\n\n<li>Make sure your debit and credit cards have a chip. Most international transactions require cards with an embedded chip (the small metallic square on newer cards). If your card doesn\u2019t have one, contact your bank to request an updated version before you travel.<\/li>\n\n\n\n<li>Ask your bank and credit card companies about any international transaction, currency exchange or ATM fees, and if they have any affiliated banks.<\/li>\n\n\n\n<li>It\u2018s also a good idea to make copies of the front and back sides of your important cards in case they get lost or are stolen. Leave these copies at home with a family member.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tips\">Know before you go<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Know the local currency and the current exchange rate<\/li>\n\n\n\n<li>Familiarize yourself with local customs. Learn how people usually pay for things in your host country. For example, taxi rides in Turkey are often paid in cash, while in China, mobile apps like Alipay or WeChat are commonly used.<\/li>\n\n\n\n<li>Do some research into the cost of everyday food and health items like contact lens solution and medicine or shampoo.<\/li>\n\n\n\n<li>Familiarize yourselves with, and even download in advance, any apps or resources that are useful in the location you\u2019re going.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Study abroad glossary<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary>Banking abroad<\/summary>\n<p>Setting up financial access in a host country, including opening accounts or using international ATMs.<\/p>\n<\/details>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Finance study abroad Banking and budgeting while abroad It&#8217;s important to plan your budget before you leave home. Below are some tips to help you manage your finances while abroad. Be sure to also ask your program for additional guidance both before departure and once you\u2019re in-country. Banking tips Know before you go Study abroad [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":0,"parent":17,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-no-title","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-342","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Banking and budgeting | Study Abroad | Clark University<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.clarku.edu\/study-abroad\/finance-study-abroad\/banking-and-budgeting\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking and budgeting\" \/>\n<meta property=\"og:description\" content=\"Finance study abroad Banking and budgeting while abroad It&#8217;s important to plan your budget before you leave home. 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