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5 life hacks that will help to maintain financial security on trips

We have collected several life hacks for travelers that will allow you to effectively use your Bank card abroad without risks and losses.
Hardly anyone will argue with the fact that the Bank card has become an integral part of our lives. It is always with us, and with the development of contactless payments there is no need even in the physical use of the card. Therefore, from the very process of purchases, which allows us to make payments by Bank transfer both within our country and around the world, we begin to get real pleasure. Nothing prevents the child to buy a new outfit, being, for example, on a business trip in another country. But you should know some rules that will help not to fall for the bait of scammers. We asked the press Secretary of the payment system “Mir” Elena Bocharova to share important tips on how to effectively and safely use a Bank card on the journey.

Forewarned is forearmed.

Security service of any Bank is a complex automated IT-system, which is designed to protect customers and their funds from all kinds of risks. Going abroad, warn your Bank that you are leaving the country and plan to make purchases on the card. The Bank is very wary of such transactions and withdrawals from ATMs outside the country, there is a high percentage of probability that such actions he will regard as suspicious and block the card.

How to restore the card, if there is such a need?

You must immediately call the official number of the Bank indicated on the card. The employee will clarify your passport details and code word, but do not forget that the card unlock can take more than a day. Therefore, in order to avoid such a situation, it is better to have several cards with you.

Specify in advance all the information

At the moment when you warn the Bank about going abroad, be sure to find out about its partner banks, which can be profitable to be served in the territory of the visited country. Also, the Bank will inform you about the limits on withdrawal from the card and tell you in what currency it is most economical to make purchases, and if necessary, even open an account in dollars or euros.

Don’t forget about cash

Even if you have several Bank cards, do not forget about cash. Buying Souvenirs in local stalls on the beach, away from civilization, you are unlikely to find an ATM or a terminal for payment. Cash out only part of the funds that have been put aside for the trip.

Use special applications

If for some reason you do not have a mobile application of the Bank that issued the card or you did not even know about its existence until this moment, we recommend you to make friends with such programs. First of all, it will allow to communicate quickly with the Bank’s employees, without calls to the support service and visits to the branches. After all, now many applications have the option of online chat, when employees at any time to answer your questions.

On vacation, one of the most pleasant entertainment is shopping. Things bought on trips around the world, we have a special way, they lead remind of new emotions and extraordinary experiences. Pay with a card wherever it is profitable and convenient. But remember to follow these simple rules that will help to secure your payments.

• Do not trust questionable messages about purchases, card blocking and other card transactions sent from unknown numbers. All banks have official numbers from which they send alerts.

• Do not tell anyone, even Bank employees, passwords sent in SMS, CVV-code on the back of the card, pin-code. If you tell the fraudsters this information, most likely, the Bank will not be able to compensate for the damage.

• For online shopping it is better to have a separate card and store a small amount of money on it. Or open a virtual card — those are now issued by many banks. This format itself does not involve storing large amounts of money on the card.

• Do not use other people’s computers or computers in public places to pay for purchases on the Internet.

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