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If you are traveling outside of the tourist areas, you will need pesos.  Here are some examples:

You may have heard about the cap on the exchange of US dollars and Pesos.  This is not an issue for tourists unless you're purchasing big ticket items such as a home. 

 I recommend you bring some small US bills, i.e. $1's and 5's, for tips and use an ATM in Playa to acquire pesos

When using an ATM , apply the normal precautions. Cover your hand when entering your PIN and check the machine to make sure there was no tampering.  A loose card scanner is something to always avoid.  I personally use HSBC on 10th Ave and Juarez.  They are on the SW corner (see photo below).  They have 3 machines in the lobby.  Don't waste your time going to a bank teller to exchange money.  Many will not provide the service unless you're a patron.

Another good way to protect yourself is to ask your bank to add a separate bank account with a debit card.  I call mine my travel account, but I use it all the time. I don't even have a debit card for my primary account.  If you're like me, you're electronically paying your bills from your bank account.  There's money going in and out all of the time.  I can't afford to have the account compromised.  So my bank suggested this separate account.  I keep a small amount of money in there and replenish it as needed with an electronic transfer from the prime account.  But, I only use secure WIFI when transferring (Use the wifi in the condo; it's secure).   This has been such an easy way to safeguard my bank account.  And it is usually FREE.  The bank encourages this practice to reduce their risk.  

Here are some tips for exchanging money in Playa Del Carmen

Below is more important information on using ATMS in foreign countries (not just Mexico) that might be costing you money.  Avoid Dynamic Currency Conversion (DCC charges) by following these instructions.  If you've shopped around and found that the bank issuing your credit card gives the best exchange rate, this is definitely for you.  

A great way to maximize your travel is to minimize your costs. Today, TPG Senior Points & Miles Correspondent Nick Ewen explains how you can avoid spending money you don't intend to while traveling abroad. When you travel, there are many ways to be ripped off.

Dynamic currency conversion and why you should avoid it - The Points Guy

The "Casas de Cambio" looks something like this. 

I found this on the web and I've used it for all of my international travel.

Here's a handy currency converter for any country.

How to get Pesos, exchange rates, Cambios, and more

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This unit has beachfront on three sides!  Freshly renovated and updated.

Caribbean Beachfront Condo 

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We have been owners of our condo for 24 years.  Playa was just a sleepy little fishing village at that time.  My how things have changed. We have all the modern conveniences that you could possibly desire and still enjoy the natural beauty of Playa del Carmen.  Our condo is a one of a kind, oversized, corner unit within 50 feet of the beach.  You will really enjoy the view from our balcony.  We hope that you enjoy this little piece of paradise as much as we do.  

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How to get Pesos, exchange rates, Cambios, and more

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Exchanging Money in Playa Del Carmen

Should you use Pesos or Dollars in Mexico? The best currency for your purchases - Everything Playa Del Carmen

Here's a handy currency converter for any country.

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