Tips for Traveling Overseas With Your Banking Debit Card
Whether you travel frequently for work or just for pleasure, there are plenty of instances where you’ll need your banking debit card. If you’ve thought ahead and enrolled in a prepaid banking debit card, you’re already on the right track. These prepaid cards, such as the Prepaid MasterCard available through Caye International Bank, make traveling much easier and safer.
These additional tips can come in handy when you’re at home, but they are extra important when you’re heading overseas and will be paying for anything from accommodation to souvenirs using your banking debit card.
Make Sure Your Primary Card Can be Used Overseas
The first thing you’ll want to do is ensure that your preferred debit card will be widely accepted overseas. To find this out, just look for the major issuer of the card, such as MasterCard. Then, find out whether this card is widely accepted at your intended destination overseas.
If you do opt for a prepaid MasterCard, then you’re in luck. Although they are pre-loaded debit cards, they are accepted anywhere that a MasterCard credit card would be accepted, which is in more than 210 different countries.
Know Your Balance and Your Spending Limits
Since a debit card is one that has a set amount of money that can be spent, it is important that you know the balance before your trip begins. Knowing your balance means that you understand your spending limits, which will prevent you from running out of available cash before your getaway is complete.
Of course, there will also be the option of transferring more cash into your card’s balance if you come across some unexpected souvenirs or feel like a few nights of a luxurious upgrade at your hotel.
Contact Your Card Issuer Before Departure
Having a prepaid MasterCard means you are already a step ahead of the curve and carry a versatile, widely-accepted means of payment. To be on the safe side, however, still take the time to contact your card issuer before you head to a new destination.
Letting them know that you’ll be traveling, and that you plan to visit specific countries, can eliminate any confusion and ensure you can shop to your heart’s content in Rome, Jakarta or anywhere in between.
Carry Identification When Using Your Banking Debit Card
When you’re using your banking debit card overseas, don’t forget to bring along some form of identification. Many vendors, especially in foreign cities with a lot of international tourists, will need to confirm that your identity matches your card before the transaction can be completed.
Know the Local Currency and Exchange Rates
Finally, make sure that you are aware of the local currency as well as what the currency exchange rates will be when you arrive at your destination. Your debit card will only maintain a specific balance, and that balance may not be obvious if you’re making purchases in a new type of currency.
To ensure you don’t overspend or have any issues with your balance, convert the money you have to spend into the local currencies and be on the safe side.
A prepaid banking debit card like the one from MasterCard through Caye Bank is the perfect way to stay safe and still travel the world.