Making hassle-free payments when you are abroad is such a great feeling. It makes you feel like you never left your home in the first place. With this freedom also comes caution, because debit cards are susceptible to fraud. When you are done packing your bags for that trip, take a look at these steps to take before and while using your debit card abroad:
1. Contact Your Bank
Before you travel, inform your bank. Let them know where you will be travelling to and the specific dates you will be at your destination(s). This will ensure that they monitor your account for unusual activity and prevent your card from getting blocked for potential fraud.
2. Check Card Compatibility
Ensure that your debit card is internationally compatible. Visa and Mastercard debit cards are widely accepted worldwide. If you are unsure of your card’s compatibility, be sure to contact your bank.
3. Know Your PIN
Memorise your debit card’s personal identification number (PIN). This is very important because you’ll need it to complete your transactions. Do not write your PIN somewhere or store it on a device, this is dangerous because you could lose those things and your PIN may fall into the wrong hands.
4. Research Foreign Transaction Fees
It is important for you to know if your bank charges foreign transaction fees for using your debit card abroad. These fees can vary and might include currency conversion fees as well. Being aware of these charges will ensure that there are no surprises when you are charged.
5. Use ATMs Wisely
When withdrawing cash from ATMs abroad, try to use ATMs affiliated with your bank’s network to minimise fees. Avoid standalone ATMs that might charge high transaction fees. Protect your card and PIN. Use ATMs in well-lit and secure locations, cover your PIN while entering it and be cautious of your surroundings when making transactions.
6. Currency Exchange
Some ATMs and merchants offer the option to charge your card in your home currency or the local currency. Always choose the local currency to get a better exchange rate, as the card issuer’s rate might not be favourable.
7. Monitor Your Account
While travelling, keep an eye on your bank account through online or mobile banking. This helps you identify any unauthorised transactions promptly.
8. Have a Backup
It’s a good idea to have a backup payment method, such as a credit card or some local currency, in case your debit card encounters issues or is lost.
9. Emergency Contact Information
Keep a record of your bank’s customer service number and your card’s international hotline. In case your card is lost or stolen, you can quickly report it and take necessary actions. If your UBA debit card gets lost or stolen, you are protected against fraudulent purchase transactions from the moment you report the loss to our Fraud HelpDesk on +234 1 2808 800, +234 1 280 8822 or send an email to cfc@ubagroup.com. You can also send ‘Block Card’ to Leo or dial *919*10# to block your card.
10. Notify Upon Return
Inform your bank when you’re back from your trip to ensure that they no longer flag your international transactions as suspicious.
What’s number one on your travel checklist again? Your UBA Debit Card, right? Exactly! Take it with you for ease, safety and convenience whenever you have to make payments—make sweet unforgettable memories on your trip.
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