I'm from Germany and will be going to Cuba for 3 weeks soon but despite many hours of research I'm still confused concerning the money. Here, on the tripadvisor website, I read that "the 10% surcharge for using US currency does NOT apply on a credit or debit card transaction, it only applies when exchanging US dollars cash." Instead there will be a 3% surcharge. Is this information up to date?
If it was I'd withdraw some money by credit card every 7 days or so rather than carrying all the money in my backpack all the time. Or is the risk of not finding a functioning cash machine too high anyway?
Thank you in advance for your answers!