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baconjr
Nomad
Posts: 128
Registered: 7-14-2012
Member Is Offline
Mood: Es la vida de perro!
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Costco Chula Vista has a cambio and rates are competitive, no commision.
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captkw
Ultra Nomad
Posts: 3850
Registered: 10-19-2010
Location: el charro b.c.s.
Member Is Offline
Mood: new dog/missing the old 1
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cash on hand
after seeing card machines go down and other things happen (earth quake) I always carry enough cash for gas,,food,,beer for a week !!! guess I'm not
paranoid !!
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nbacc
Senior Nomad
Posts: 770
Registered: 12-27-2008
Location: Northern California
Member Is Offline
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Be sure and call your bank and let them know how long you are going to be there..............even then things can happen but ............happens.
don't sweat the small stuff and have a good time. Oh......have the numbers to call credit cards you take in case of theft in a different place than
your cards...just in case.....happens. Again, enjoy and have fun. Nancy
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TLBaja79
Nomad
Posts: 267
Registered: 10-17-2013
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I've always stayed clear of the 'Cambios', however when dealing in small amounts the Cambios are much cheaper than the ATM. I usually just get a max
amount of cash at the ATM then the fees are negligible.
Cash is always good to have on hand, I usually stash it here and there in the car and bags and whatnot.
I'm with Chase bank and have never had a problem down there. Only a couple ATM's in Loreto, one in the bank at the Centro and the other in the hotel
Santa Fe.
Have fun!
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Mula
Super Nomad
Posts: 1655
Registered: 8-16-2011
Location: San Nicolas y Lopez Mateos
Member Is Offline
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There's one at the Ley Super Express in Loreto, too.
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SFandH
Elite Nomad
Posts: 7084
Registered: 8-5-2011
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| Quote: | Originally posted by bajabuddha
Far's the fees go, they're negligible. If you have to ask if you can afford it, you can't afford it. The fees are chump-change.
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The relatively new international transaction fee is a percentage of the withdrawal. The more you withdraw the larger the fee. One month I paid $50 in
fees on my "free" BofA checking account. Flat fees to the bank I was using and to BofA for using a non-affiliated bank ATM, and international
transaction fees (3% I believe) to BofA.
I don't call $50 a month chump change. To put things in perspective, that's around 60 beers at the Tecate Six stores!! 
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Bajahowodd
Elite Nomad
Posts: 9274
Registered: 12-15-2008
Location: Disneyland Adjacent and anywhere in Baja
Member Is Offline
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One last comment. The original poster stated that they were flying into SJD. They further stated that that were looking to visit places all the way
North to Loreto.
Just have to say that as someone who has been traveling Baja since 1983, and has never been involved in any sort of shakedown or robbery, The area
between Cabo and Loreto is relatively crime free.
Too many folks give the impression of a lawless land. But, with the exception of the immediate border zone, isolated surf camps, and vast, desolate
expanses of highway one, there simply is no crime.
We usually, when headed for a two week trip, driving to Cabo, bring several hundred US dollars with us ($20s as the largest), and stop at an ATM by
the turn off to LA Bufadora to get sufficient pesos to pay for things in small markets, tips and such.
The vast preponderance of hotels, restaurants in that Cabo/ Loreto area accept credit cards.
Pemex dealers in many locations are accepting credit cards.
In my opinion, with the exception of surfer and campers in remote locations, there is little to no need to hide your cash, if it's in your wallet.
Your biggest problem will probably be the ridiculous insurance charges you will see at your rental car company. 
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