Financial Planning Tips
Toothbrush? Check. Camera? Check. Passport? Check. Travel money safe and sound? Erm...
To help your adventures run smoothly, we’ve pulled together a crew of travel experts who have made all the mistakes already, so you can go on the trip of a lifetime without a care in the world!
Whether you’re embarking on a year-long adventure or off to soak up the sun on a tropical island, the Well Travelled Travellers are here to right your travel wrongs, including making sure your money stays right where it should be. Our first tip? Start by carrying less cash and using a Visa Card any time you head overseas... it’s money you can’t lose!
Why Travel with Visa?
With a Visa card, you can shop at tens of millions of places across the globe and access your cash at over 2.1 million ATMs worldwide. Yep, 2.1 MILLION! Even better, you’re protected by Visa’s Zero Liability Policy*, which means you’re protected from fraudulent charges made with your card or account info. One less thing to worry about right there!
Stay in control of your cash with Visa Debit! Wether you're booking online or purchasing whilst you're away, with your Visa Debit, you can spend your own money from your own account and avoid coming home to a huge bill!
Visa Credit Card
Buy what you need when you need it, and spread the cost over several months. Purchase flights, hotel accommodation, car rental or that must have souvenir.
Prepaid Travelmoney Card
Visa Prepaid cards provide easy, convenient and secure ways to pay any-time and anywhere Visa is accepted. Basically, they're a conveninent and secure alternative to cash or cheques.
Visa Global Customer Assistance Services
No matter where you are in the world, Visa's Global Customer Assitance Services can provide multilingual assistance, 24 hours a day, 7 days a week. If your card has been reported stolen or lost, Visa can block it within 30 minutes, protecting you against fraudulent transactions. Provide emergency cash, which can be collected from any of 270,000 locations world wide. Arrange for replacement cards. All you need to do is contact Visa Global Customer Assistance Service immediately, using their worldwide network. Click here for your nearest phone number.
1. Online banking
Set up your internet banking. It will make it easier to manage your spending while you’re away.
2. Check your cards
Check the expiry date on your Credit, Debit or Prepaid card and make sure it’s valid for the whole trip. Consider a STA Travel CashFLEX Visa Card to keep your money safe and easy to access on the go.
3. Make copies
Photocopy your Credit, Debit or Prepaid card(s) and passport details, and keep the copies in a separate place to the originals. Scan them and email them to yourself so you have a record whilst you’re on the road.
4. Inform your bank
Your financial institutions probably have some good security measures in place and may put your accounts on hold when they are unexpectedly used in a foreign location. Great for nasty thieves, not so great when you’re trying to pay for your paella. To avoid getting left in the lurch, let them know where and when you're travelling before you leave.
5. Phone numbers
Your financial institution’s customer service number will be different in different countries. Put the numbers for the countries you're visiting in your phone or write them down before you go.
6. Get a PIN
European merchants prefer PIN transactions, set up a 4-didgit PIN with your financial institution for your Credit, Debit or Prepaid card before you go.
Top Travel Money Tips
1. Carry less cash
Travelling with cash on hand is often a necessity, but what happens if you get pick-pocketed / swindled by a beautiful beach babe / drop your wallet into the Grand Canyon and lose the lot of it? Sadly, you can’t replace lost cash, but you can replace cards. Use your credit, debit or prepaid card for things like hotel bookings and car rentals to avoid carrying large sums of cash.
2. Know your numbers
Reservations and rentals usually require a card number, so keep yours handy.
3. Withdraw with care
When withdrawing cash at ATMs, withdraw odd amounts, large notes can be hard to break.
4. Store cards separately
Store your Credit, Debit, or Prepaid cards in separate places, so you have a backup if you lose one.
* Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details