If you are the kind who's always travelling -be it for fun or work, it is always important to travel smart. It's even more prudent to remember certain things to protect your money and other valuables while on the go
While you are all set to start your trip with your bags and all essentials packed, remember to not miss out on the most important thing -your money and other valuables. There are many travellers who have been duped of their precious possessions while travelling.Here are a few things that you should remember to manage your money while you are out holidaying.
CARRY A TRAVEL CARD
Tour operator Dhaval Modi says, “Instead of taking cash with you, it is always great to carry a travel card.Buy a card of the amount that you wish to spend on the vacation.“ There are options of getting a recharge done if you run out of money . For the same, it is best to purchase a travel card from the bank that you have an account in.
LIGHTEN YOUR WALLET
While leaving for your holiday, always make sure that you are not carrying too much cash with you. Just carry as much as you would require on the flighttrain or once you reach your destination. For the things that you need to buy or for other payments, use your debit or credit card.
INFORM YOUR BANK AND CREDIT CARD COMPANIES
If you are going on an extended holiday and preferably abroad, it is always good to inform your bank or the credit card company of your travel plans.This way if you end up losing your card while travelling, they will be able to block your card.
Prasad Shreshtha, manager of a private bank, says, “We always encourage our customers to inform us before they go on a vacation. If there's any theft while travelling, we immediately block the card of the customer and help out with an alternate id that they can access to withdraw money .“
WATCH OUT FOR BOGUS ATMS
No matter how much money one takes, one may always fall short of cash while travelling. To ensure that your money is safe, do not access ATM machines of banks that you are not aware of. Always look out for machines of the bank that you have an account in.
DO NOT ACCESS NETBANKING FROM PUBLIC COMPUTERS
There can be times when you would require to transact money online.Carry your laptop with you. Do not access a public computer in the hotel that you are staying in or a cyber café.Your details can be easily hacked by someone. Also, if it is absolutely necessary for you to access a public computer, change the password every time you access the bank site.
Prakiti Nandy, an advertising professional says, “I was holidaying with my family in Singapore a year back. I did not know much about travel cards and would only access netbanking. It so happened that on one such occasion, I did not have much cash on me and had to access the resort's computer to transact some money . After I got back to India, I realised that someone had transferred `15,000 to an unknown account. I informed the bank and the cyber cell about it and I got my money back after a fortnight.“
THINGS TO KEEP IN MIND WHILE TRAVELLING
Never let anyone know of your ATM pin or netbanking password. This also includes the several calls that you might get from the customer care of your bank.
At any point of time if you feel that you have run short of money, it is always best to visit a money transfer and ask a friend or a relative to transfer some money to you which you can refund it to them later.
There are many countries where you will find a few nationalised banks. It is always better to withdraw your money from the ATM machines of such banks. However, remember to verify the details of the bank beforehand.
If someone in a different country offers to exchange your currency with theirs, do not accept the cash. It might just be a way to fool and give you fake cash in exchange for actual money .
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