VISA gift card vs debit

[B&Ccruisers]

Trying to figure out which is better.. When it comes to using the ATM's is it more reasonable to use your debit card or if I had a VISA gift card loaded and retreived money or does it make any difference at all. Some say the VISA gift card is "safer" if lost. What do you think?:confused:

[LisaV6]

Not sure why the VISA gift card would be safer, as the debit card needs a PIN...best bet is to check with your bank as to which method carries the highest fees.

[whogo]

I have not checked out the gift card. The AAA Visa Travelmoney card was about the most expensive way to get foreign currency. Their foreign currency conversion rate was 7%. There were numerous other fees involved as well. Most ATM cards charge 1% to 3% on foreign currency and an ATM fee of $0 to $5. Check with your bank. This link has lots of clear information: http://www.ricksteves.com/plan/tips/moneytip.htm