Im travelling to the States soon and will be spending roughly €10k
As I will be trying to get a mortgage soon I would prefer that my bank (or other banks) did not know about this outlay. Nothing illegal or anything but I would prefer not to have it questioned.
I have the money in cash although I would prefer not to travel with such an amount of cash.
Any suggestions?
I was looking at the postfx card but surely this would come to the attention of my bank when I would be applying for a mortgage?
Not sure why PostFX card would come to your bank's attention, there is no requirement on the application form to advise your bank. However if you walk into a post office with €10k in cash, that should flag some concerns in the Post Office around money laundering
You can load an AnPost FX card with a maximum of $9000 and you can do this in incremental stages rather than in one fell swoop. Your spouse/partner (if you have one of course) could also get one and you would then be covered.
Similar declarations are required on entry to the US with instruments to the value of $10k.
https://help.cbp.gov/app/answers/detail/a_id/195/~/currency-%2F-monetary-instruments---amount-that-can-be-brought-into-or-leave-the
Also remember that the US limit applies to your party, if you are travelling with someone else the limit applies collectively not individually.
I would think if you are strong enough to get a mortgage , then having k10 in cash would be positive in considering your application should Bank see it?
Proves a small prudence of loose cash built up .