Essential tips to keep your finances safe abroad
Before Your Trip
Back up and make copies of personal files and important information
Before leaving on your trip, be sure to back up all files on your phone and laptop. If your device is stolen or compromised to cyber theft while traveling, all of your information will be available upon your return home. Bring along a record of card account numbers and telephone numbers for reporting lost or stolen cards. Remember to keep this information in a safe place, not necessarily your wallet or handbag. Be sure to leave a copy with a family member or trusted colleague in case you have trouble contacting your card issuer abroad.
Notify us before you travel
Card transactions are monitored 24/7 by our fraud prevention department and fraud detection strategies. To ensure legitimate transactions are not declined, make us aware of your travel dates and destinations by sending a secure message via online banking, contacting your local branch or our Client Service Officers at (800) 438-0378.
Travel with more than one form of payment
You may want to preorder and travel with a small amount of foreign currency for taxis, meals and gratuities when you arrive at your destination. Contact your local branch or our Client Services Officers at (800) 438-0378. to place your order at least 48-72 hours before your departure date.
Be sure to travel with an unexpired debit card and credit card. Contact your local branch or our Client Service Officers if your current card is set to expire during your travel. Keep in mind that it takes 10-14 business days to obtain a new card. While planning how you will make payments while traveling, also ensure that you have sufficient funds in your account or a credit limit to cover your trip expenses. Consider adding Overdraft Protection to your checking account for debit card access if you haven’t done so, to prevent a transaction or transfer that would incur an overdraft fee.
Set up mobile alerts
Sign up for free, real-time transaction alerts when a transaction exceeds a pre-set amount or when unusual card activities are detected. For credit card transaction alerts, visit purchasealerts.visa.com to create an account to receive and manage email alerts. For debit cards, install the “SecurLOCK™ Equip” mobile application through your smartphone app store. Within the SecurLOCK™ Equip application, you can enter your card information, set up transaction alerts, location and/or merchant controls and disable or reenable your card for use.
Know the emergency numbers for lost or stolen cards
Visa® Global Customer Assistance (GCAS) and Mastercard® Global Service representatives can help block your card(s) in case of theft, or send an emergency replacement card internationally to meet your travel needs 24 hours a day, 365 days a year. If you have a Visa® card, call (303) 967-1096. from the United States or visit the Visa® website for a list of toll-free numbers for other countries. For support with Mastercard®, call the United States collect number at (636) 722-7111. or access a list of country-specific, toll-free telephone numbers at the Mastercard® website.
During Your Trip
Use a secure internet connection
When traveling, finding reliable internet can be challenging if you don’t have international roaming coverage. Connecting to a public wireless network increases your risk of security breaches. Scammers often hack into devices on open networks to steal financial information. It is important to be extra careful when accessing financial accounts abroad. Take measures to prevent such security breaches by only accessing websites with sensitive personal information over secure, private networks, and as infrequently as possible.
Use your Enterprise Visa® credit card or Mastercard® debit card for extra peace of mind
Using your Visa® credit card or Mastercard® debit card while traveling may be easier than using cash. You can keep track of all of your purchases through online and mobile banking, and on your monthly statement. Keep your receipts to ensure all charges on your statement match with your receipts. If you notice any questionable transactions, please contact your local branch or our Client Service Officers at (800) 438-0378.
Utilize ATMs at your convenience
All Visa® and MasterCard® ATMs feature instructions in English and the local language. Locate a Mastercard/Maestro/Cirrus ATM near you by using mastercard.com and clicking on the ATM locator tool. Locate a Visa® ATM by using visa.com/atmlocator. Enterprise Bank & Trust is a part of The Allpoint® Network, offering surcharge-free ATMs in the United States, Canada, United Kingdom, Puerto Rico, Australia and Mexico. To locate a free ATM, visit www.allpointnetwork.com or download the Allpoint® app from the Apple App Store or Google Play Store.
Conduct transactions in the local currency if given a choice
Some foreign retailers or restaurants may give you the option to complete the transaction in U.S. dollars instead of the local currency. This practice is called dynamic currency conversion or cardholder preferred currency. This may seem like a good idea, but the merchant can often include a markup for the service to your total bill. In most cases, the conversion rate in the local currency is the better option.
If you perform transactions with your card with the Mastercard® logo in a currency other than U.S. dollars, Mastercard® International Inc. will convert the charge into a U.S. dollar amount. Mastercard® International uses a currency conversion procedure that is disclosed to institutions that issue Mastercard®. Currently, the currency conversion rate is a government-mandated rate or wholesale rate determined by Mastercard® International for the processing cycle in which the transaction is processed.
If you have a Visa® credit card, each time a transaction is made in a foreign currency or in a country outside the United States and its territories, a foreign transaction fee of 1 percent is assessed.
After Your Trip
Check your receipts
Always double-check the information on sales receipts, including the currency you are charged, with your monthly bank statement. Contact your local branch or our Client Service Officers if you note a discrepancy or see a charge you don’t recognize. You have 60 days to dispute credit card charges after they are made.
Enjoy the special memories you created!