When on holiday, budget management is paramount. It is well known that people often tend to indulge themselves and spend a little more than usual. Activities, meals in restaurants, buying souvenirs, going to cultural venues, etc. lead us to make a large number of almost daily transactions. Some people prefer to pay in cash, but it must be recognized that this is not always practical. In fact, it requires organizing in advance to withdraw money and we sometimes find ourselves caught off guard in places without cash dispensers nearby. This is fortunate, as dematerialised payment exists and you will see that it makes life much easier for holidaymakers.
Different dematerialised payment methods, for each to choose from
Looking for an ATM, having coins in your pocket, not always easy when you're on holiday and you want everything to be simple and to save time in order to get the most out of it. Nowadays, there is no longer really any reason to bother with cash, except perhaps in some small shops, as a large number of merchants allow dematerialized payment. What is it all about? Quite simply, different solutions that make it possible to carry out cashless transactions. These payment methods, which are increasingly used, have been specially designed to make transactions more fluid.
The bank card or credit card is the first means of payment that appeared in France. It is now massively used in shops and on the Internet, wherever you are, to pay for purchases. It is a secure solution, since it requires a code to make a transaction and in case of theft, you can make a stop payment with your bank.
The other dematerialised payment method that greatly simplifies the life of holidaymakers is contactless payment. It is carried out with the bank card by simply placing it on a terminal that uses NFC technology, without entering the confidential code. Today, many retailers are equipped with this very practical technology and payments are often made from 1 euro. Since the Covid-19 crisis, the maximum amount is capped at 50 euros in France.
Even more practical and a solution that limits the risk of loss or theft of the bank card, payment from a mobile phone could well become the ideal payment solution for people on holiday. Thanks to applications, you can save your credit card on your smartphone and pay for purchases in shops by simply placing the phone on the terminal, just like contactless payment with a bank card. This method of payment can also be made from a connected watch.
In addition, one should not forget the purchases that one makes directly on the Internet. In this case too, payments are dematerialized, since settlement is made directly online. And when you're on holiday, this can save precious time, especially for food purchases that you have to pick up at the drive-through.
The online banking application, the other way to simplify life on holiday
Having seen that dematerialized payment makes the settlement of purchases easier, it is time to look at another way to optimize the management of your budget on holiday. With the continuous improvement of new technologies and the dematerialization of a large number of procedures, some people are choosing online banking, for managing bank accounts from the Internet.
When you're on vacation, having access to your accounts from your online banking application has several advantages. First of all, you can consult your accounts at any time, as long as you have access to the Internet, and thus be able to follow your movements regularly without being surprised. The mobile online banking application often offers other interesting solutions for managing holidaymakers' budgets. For example, if several people are going away together and want to share the costs, the online kitty allows each holidaymaker to top up the kitty, pay for purchases using contactless or by withdrawing cash from an ATM, as well as to track their progress over the course of the day.
With its app, you can also make quick and easy transfers to the bank accounts of your friends or family. A considerable time saver on holiday, where a single person can take care of the payments and have his account credited by his friends in just a few clicks
