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How to safely take money abroad

Last time we talking about:  How to return lost baggage

After the problem of choosing a currency (cash, plastic cards or traveler's checks) is solved, the main question arises before a tourist is how to secure your money on the road against theft or loss. The most vulnerable way of money transfer is a purse. If you lose money on the road, then this, alas, forever - bills, carefully set aside for rest or shopping, no one has restored and will not return.

We do not recommend taking a purse on a trip. He very much attracts the attention of thieves and you doom yourself to the danger of being defrauded. 

To transport documents it is best to have a separate bag.  We present to your attention Travel Neck Wallet with RFID Blocking 2 - in - 1. It is very convenient for transportation or storage of documents. Bag on a belt, so you can wear it on the shoulder or around the neck. The belt is adjustable, you can make it longer or shorter as you wish. The bag is not large, but it perfectly placed several passports, securities, tickets, cards, phone. For added security, the bag has a pocket with zipper and Velcro. In the middle of the bag has a lock, they can be mounted keys. The bag can be worn under clothing and no one will notice it. And you will not worry about your documents because they will always be near you.

Plastic cards in this sense have a number of advantages. The money on the card is securely in the bank, and nobody can use them.

What if you lost a plastic card abroad ...

The necessary actions in the event of the loss of a bank card are well known- you need to contact the bank that issued the card as quickly as possible and block it. If it was stolen, this step does not allow fraudsters to spend money by paying, for example, online purchases. Each bank - the issuer of plastic cards has its own customer support, which operates around the clock. Therefore, you can contact at any time of the day or night, regardless of the difference in time zones.

Some banks do not provide for the subsequent cancellation of the ban on payments from this card. Others, on the contrary, offer a temporary blocking service - in case there is a loss. At the same time, the phone call must be duplicated by a written application for permanent blocking, filed in person or by fax.

From a legal point of view, until the moment of blocking the bank card, the responsibility for the operations of the cardholder, and after that moment - already the issuing bank.

The situation changes radically when such a story takes place abroad, during a tourist trip. Then the lost cardholder risks literally without means of subsistence. Banks claim that there is no need to panic. In many of them, there is a service of an urgent (within days) release of a temporary plastic card. In this case, the bank must contact one of the suppliers of a Visa or MasterCard bank card in the country where the tourist is located and inform the last address where the card should be taken. The limit of funds on the temporary card depends on the amount on the card account. After returning from abroad, you need to replace the temporary card with a permanent card in the issuing bank.

While the client is waiting for a temporary card, the bank can transfer money for urgent needs. Those banks that provide services for the urgent production of temporary cards, as a rule, provide an opportunity to receive emergency cash.

The traveler's check clearly leads in solving the problem of the safety of cash: for this, he was invented. The peculiarity of checks is that they are subscribed to a specific person's name, and only the owner can cash them. When buying such a payment document, you must sign on each of the checks and do not forget to take the receipt with the serial numbers. This is enough to stop worrying about your money. Whatever happens to checks, you can restore them anywhere in the world, just call the reimbursement service. It works around the clock. Recover checks for free, and the recovery procedure takes no more than 24 hours (subject to all the terms of the purchase agreement, concluded when purchasing checks).