Simple tips to improve your money safety while travelling

Simple tips to improve your money safety while travelling

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Think about travelling with others
More the merrier! As well as being able to share your adventures together. Having travelling companions can make you less of a target for thieves and scammers. Travelling on a group tour with a local guide can put your mind at rest if you are concerned about security in a particular country.

Carry a copy of your money card’s emergency contact details
If your credit card or debit card is lost or stolen when you’re overseas, you’ll need to report it immediately. However the emergency contact details are on the back of the card, so totally useless if your card just got stolen (speaking from experience). So take a photo or write down these numbers and keep them somewhere safe while you travel.

Pick one main money card for your trip
If you’re taking a couple of different cards with you – such as a travel card and a credit card – choosing one of them as your main option can help reduce the risk of fraud by making it easier to keep track of your transactions. If something happens to that card you can cancel it immediately but you still have backup cards to continue on your holiday.

Carry some foreign cash
Foreign cash can be hard to replace if it’s lost or stolen but its important to have some on arrival into a new country at least to cover the transport from the airport to your hotel. Cards offer protection over fraud and if stolen. Carrying a combination of cash and cards for your trip is a good idea.

Get travel insurance
As well as offering protection for medical expenses, lost luggage and cancellations, many comprehensive travel insurance policies offer some cover if your cash is lost or stolen while overseas.

Let your bank know you're going overseas
Its fantastic that banks offer security systems to track bad activity on your card however its a nightmare if your card gets blocked while overseas. By letting your bank know where you're going, they will be able to provide more accurate security for your accounts.

Secure your mobile devices with passwords
Make sure you have a password set on the home screen of your phone, tablet or laptop so that no one will be able to access your details if your device is lost or stolen.

Carrying your cash
Split your cash up amongst the travellers in your family or group. Look into the types of wallets or money pouches available for travelling that tuck neatly under your clothing and are concealed from view. Carry some extra back up cash in your bag stowed away in a safe pocket incase you have your wallet stolen

Pack your money and valuables in your carry-on
While checked baggage could be lost, stolen or tampered with, your carry-on stays with you. This means you can keep an eye on it. If your planning on having a snooze on your long haul flight or train journey keep your cash, phone and valuables on you. Dont leave it in your carry on baggage in the overhead locker, Sad but true .. people do steal from overhead lockers on planes and especially on trains.

Be discreet
Do not splash your cash around! Even if your checking on your valuables or your money try to do so without having to pull it out in front of other people, leave it in your bag or wallet and check it or if you need more space find a private place even a toilet cubicle or bathroom. When it comes to jewellery, keep it to a minimum.

Try to blend in with the locals
While suitcases and large backpacks are necessary when travelling they can also make you scream “wealthy tourist”. Try to check into your accommodation straight from the airport and leave your bags and extras there. Head out sightseeing with only the bare essentials.

Make sure your bag is secure
Choose a backpack or bag that has the zippers against your back or a bag that goes on your front. Carry some small luggage padlocks just incase.

Never leave your bag or valuables unattended
This tip is one of the most obvious but is still worth repeating. Even if you're in a tour group or travelling with friends, it’s safer to keep your valuables and your bag with you at all times.

Only use ATMs attached to banks
Try to stick to ATMs attached to banks. These machines are less likely to be tampered with than those that are on the street. Also keep an eye out for scratches around the card slot, loose parts or other fittings that don’t look like they belong – these could be a sign of a skimming device.

Limit the number of ATM withdrawals you make overseas
As well as trying to find secure ATMs, keeping your withdrawals to a minimum can help protect you from skimming devices and card fraud. To help limit the number of ATMs you use, try to withdraw large amounts of money at one time or pay by card so that your cash lasts longer.

Keep your card in sight when making payments
In some cafés, restaurants and stores, the staff may offer to process your payment while you sit and wait. While this could seem like a convenient option, there is a chance that your card details could be copied or stored on a skimming device while it’s out of your sight. Instead of handing over your card, go to the register and pay in person so you’ll see exactly what’s going on.

Review your card transactions
To help protect your accounts against fraud, go through your transaction details as soon as possible. The sooner you realise you have a problem with fraud the sooner you can alert your bank.

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