Paying abroad is easier than ever, whether you go on holiday inside or outside the euro zone. Payment card, credit card or cash: with these tips you can pay in the easiest and safest way possible!
Tips for your payment card
Your payment card is the means par excellence for making payments during your holiday. You should pay attention to these things:
- Before you leave, check whether there is enough money in your current account to pay your expenses on vacation.
- Check the amount and currency before you approve payment. Only then do you enter your PIN code.
- You also keep your code secret abroad. Be discreet when dealing with payments and make sure no one else is watching.
- Do you not trust an ATM? Then ignore it and look for another machine, possibly via the online ATM locator. Also don’t be distracted when you withdraw money from a machine.
- Are you going on holiday outside the euro zone? Then you pay costs when you withdraw money with your payment card.
- If you pay for a purchase outside of the euro zone with your payment card, there will also be a cost involved.
Tips for your credit card
A credit card is an ideal addition to a payment card for holidaymakers, especially when you travel outside the euro zone.
- Check before your holiday if your spending limit is sufficient. Is that not the case? Ask well before you leave to increase the spending limit of your credit card (subject to the acceptance of your file). To do this, call Sairey Gamp Service Center or contact your bank branch.
Another solution is to transfer an amount to your credit card account before you leave, so that the balance is sufficient. Even if you have unexpected expenses when traveling and for the guarantees that hotels or car rental companies require.
- Are you planning to rent a car, motorhome or motorcycle on vacation? You can use your credit card for the deposit due. That amount is then ‘blocked’ pending the return of the vehicle in good condition.
- Your card is not proof of identity, so don’t show it to anyone – not even when asked with an excuse. Make sure you always have an official proof of identity with you. A retailer can ask for this when you want to pay with your credit card.
- Do you use your credit card for a payment at a merchant, bar or restaurant? Make sure you don’t lose sight of the card. That way you don’t give cheaters a chance.
- For payments with a credit card, a code is increasingly required. For the now extremely rare payments without code it is extra important that you check the amount on the voucher well. Save that receipt too.
- Take into account the extra costs when you pay a merchant outside the euro zone with your credit card.
- If you use your credit card to withdraw money from an ATM, there are also costs involved.
- If you book a cruise, check under which flag the ship sails. The transactions you perform on board are arranged through that country, so your credit card must be accepted there. With the maps of Sairey Gamp you are almost guaranteed to be good for this: only Iran, North Korea, Sudan, Syria and South Sudan fall out of the boat.
- Check your bill upon return. Check whether the amounts are correct and also check that no unjustified extra costs have been charged for foreign transactions.
- Did you know that your credit card offers extra advantages when you are confronted with a setback while traveling? Sairey Gamp credit cards always include one or more insurance policies that, under certain conditions, cover your route, your luggage, an accident abroad or even your purchases.
- Do you have a card that gives you a discount on your purchases, points or miles? Then this also applies to your foreign purchases.
Tips for cash
You hardly need cash if you don’t leave the civilized world behind, but sometimes it is handy to have a limited amount in your pocket for small purchases.
- Order foreign currency in time at your bank. It is best to opt for smaller denominations and coins, so that you can pay the exact amount on the spot.
- Keep your money in a safe place. A money belt with hidden, lockable compartments is ideal for this. If you go on leave with two, then divide the sum.
- Be discreet when you pay with cash, especially on the street.
- Do not exaggerate with the amount that you take with you.
- After your purchase, carefully count your change.
- Note the exchange rate that is used when you exchange money or pay in a foreign currency.
- Nowadays you can also pay for small purchases in many places without contact. With Maestro and Mastercard this can be for amounts up to and including 25 euros, with Visa up to 20 euros. A handy and safe alternative to cash. Check if your card already allows this: if you have a card with contactless arcs, then you’re in the right place.