Said It Here

How to get cash abroad without a physical card or ID

Travelers without a physical bank card or ID cannot use standard ATMs, wire transfers, or currency exchanges. Because foreign ATMs usually restrict contactless cardless withdrawal to local bank cards, visitors stuck without physical payment methods are unable to get local spending cash.

What the numbers show

Counted from the threads quoted below. How we count

  • The most recent one is from September 2026.
  • It is not one crowd: 2 people on Reddit and 1 on Stack Exchange ran into the same thing.

What people tried

Every workaround mentioned in the threads below. We haven’t tested any of them — and nobody here is claiming they worked.

  1. 1
    Hanging around shop checkouts to ask another customer to pay for their items with a card in exchange for physical cash
  2. 2
    Asking the cruise ship concierge or shore excursion desk for local currency advances or to retrieve the passport
  3. 3
    Paying directly in foreign currency (such as US dollars) at tourist shops to receive local currency change
  4. 4
    Trying to request cashback by asking shops to overcharge a card payment
  5. 5
    Reading up on specific ATM networks supported by the card
  6. 6
    Looking for specific bank ATMs like Chase Bank that support contactless access
  7. 7
    Obtaining a physical plastic card before traveling

In their words

Unedited, grouped by where they were said, most upvoted first within each place, each linked to the thread it came from.

Travel Stack Exchange1 person · November 2025

“I very stupidly left my Visa card on the counter back home before flying out, and of course the cruise company has my passport (as is standard on cruises).”source ↗

“I have no Thai money at all and would like to have some for spending over the next 36 hours.”source ↗

“Finding ATMs that work with Apple Pay. While the ATMs here pretty much all have an NFC option (“cardless withdrawal”), that option is completely limited to specific card types from local banks”source ↗

“Unfortunately, picking up a cash payout requires the physical passport, which is on the ship.”source ↗

Janus Bahs Jacquet · Travel Stack Exchange · 14 upvotes
r/travel2 people · September 2026

“I have never been able to use contactless at the foreign ATMs I’ve tried.”source ↗

katmndoo · r/travel · 1 upvotes

“I only have a virtual multi-currency prepaid card loaded into my digital wallet (Apple Pay / Google Pay) and I do not have a physical plastic card for this specific account.”source ↗

Financial-Scale274 · r/travel

Where this came up

People with this problem also raised