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    using debit and credit cards abroad

    afternoon
    i am off to egypt on the 30th for a week and have a quick question....
    i have recieved a credit card off lloyds tsb to use in case of emergencies when i'm abroad (never used one before, eep!) and i'm planning on taking my lloyds debit card too just in case. Do i need to inform my bank that i will be using these cards abroad? i'm a bit worried if they see a transaction done in egypt they may block them or do you just take them and use them as normal
    thanks for any advice

    22 Comments

    just use them as normal, but a quick call wouldnt be a bad thing. :thumbsup:

    Agreed I would call them so they don't see it flag up and block the cards

    Use as normal. They may even call you if they feel that there is any 'unusual' activity on the card, just as a brief security check.

    iv recently went to turkey and i used my lloyds debit card a few times & they've charged me a £1 everytime i used it. im sure you dont need to inform llyods on using debit card , i didnt tell them i used mine as norm,
    have a great time

    DEFINITELY tell them! lloyds tsb are absolutely red hot on stopping "suspicious" transactions-if I use my lloyds debit card to buy a blu ray from amazon america they have been known to suspend my card.

    Also I informed my local branch we were going to paris last april,they told me the card would be fine in atm machines,withdrew 200 euros one day,account suspended immediately-had to call phone banking to sort it.

    So my advice,because I have since been abroad twice more,and am going to turkey on monday-call phone banking,ask to speak to someone in the fraud department,tell them where you are going,how long you will be there and make it ABSOLUTELY CLEAR (poilitely of course) that you will be using the card in a possible emergency. Do not take the word of anyone in your branch it will be ok-speak to fraud department.

    I think tsb are a great bank,but sometimes they are maybe a bit too quick to decide something is a suspicious transaction-when I asked why they stopped my card in paris they told me it was "hardly likely that I could be in glasgow one day using the card,and in paris the next day!"

    maybe they havent heard of aeroplanes??

    Ive never had a problem using both debit & credit cards abroad ( both Lloyds) atbh they usually advice using cards instead of carrying cash around abroad, think most people do nowadays :thumbsup:
    Ps, do no harm giving them a ring though for peace of mind

    Original Poster

    barky;8884580

    DEFINITELY tell them! lloyds tsb are absolutely red hot on stopping … DEFINITELY tell them! lloyds tsb are absolutely red hot on stopping "suspicious" transactions-if I use my lloyds debit card to buy a blu ray from amazon america they have been known to suspend my card.Also I informed my local branch we were going to paris last april,they told me the card would be fine in atm machines,withdrew 200 euros one day,account suspended immediately-had to call phone banking to sort it.So my advice,because I have since been abroad twice more,and am going to turkey on monday-call phone banking,ask to speak to someone in the fraud department,tell them where you are going,how long you will be there and make it ABSOLUTELY CLEAR (poilitely of course) that you will be using the card in a possible emergency. Do not take the word of anyone in your branch it will be ok-speak to fraud department.I think tsb are a great bank,but sometimes they are maybe a bit too quick to decide something is a suspicious transaction-when I asked why they stopped my card in paris they told me it was "hardly likely that I could be in glasgow one day using the card,and in paris the next day!"maybe they havent heard of aeroplanes??



    so you informed then before hand and they still blocked you card?

    barky;8884580

    I think tsb are a great bank,but sometimes they are maybe a bit too quick … I think tsb are a great bank,but sometimes they are maybe a bit too quick to decide something is a suspicious transaction-when I asked why they stopped my card in paris they told me it was "hardly likely that I could be in glasgow one day using the card,and in paris the next day!"maybe they havent heard of aeroplanes??



    :w00t: someone actually said this !!, haha unbelievable , lol

    Original Poster

    bambu;8884575

    iv recently went to turkey and i used my lloyds debit card a few times & … iv recently went to turkey and i used my lloyds debit card a few times & they've charged me a £1 everytime i used it. im sure you dont need to inform llyods on using debit card , i didnt tell them i used mine as norm,have a great time



    thanks. i am only planning on using them in an emergency really. taking both just in case one gets declined although neither should. i thought it best to be on the safe side!

    Original Poster

    meandog101;8884574

    Use as normal. They may even call you if they feel that there is any … Use as normal. They may even call you if they feel that there is any 'unusual' activity on the card, just as a brief security check.



    hope they don't phone at £1.30 odd a minute to accept a call!

    missp27;8884623

    thanks. i am only planning on using them in an emergency really. taking … thanks. i am only planning on using them in an emergency really. taking both just in case one gets declined although neither should. i thought it best to be on the safe side!



    If it is too late for you to get a Nationwide Flexaccount or cheaper alternatives then I recommend taking GBP there and exchanging there not here where the pound is weaker.

    travelmoney.moneysavingexpert.com/

    missp27;8884613

    so you informed then before hand and they still blocked you card?



    I informed my BRANCH the first time we went to disney paris,they said it would be fine,but I got blocked yes,but since been twice more to paris and spoke to the fraud department first and it was fine-the point I am making is,if you want to be certain-DONT take your branches word for it that it will be ok.

    as others have said,they have had no problems,so maybe Im unlucky,but a quick phonecall is best for peace of mind-if they know you are in egypt,they wont consider a withdrawal in egypt suspicious

    barky;8884653

    as others have said,they have had no problems,so maybe Im unlucky,but a … as others have said,they have had no problems,so maybe Im unlucky,but a quick phonecall is best for peace of mind-if they know you are in egypt,they wont consider a withdrawal in egypt suspicious



    Yes Barky's right , they might be a bit suspicious of how you can be in England one day and 'miracuosly' in Egypt the next !!!:whistling:

    Edit:- ive just thought, with it being a new card make sure you activate it etc before you go ,

    Original Poster

    thanks for all your advice everyone. i will definately be giving them a call. rep to you all

    shouldnt this thread have just started

    off t'egypt!!!!!!!

    I am going away soon and was wondering the same thing so spoke to a guy I know who is a senior manager with Natwest.

    He said that as the blocking is done by a computer system, phoning up and telling one of the call centre staff you are going away will not stop any transactions being blocked. He said all that could be done is that a "note" will be put on the account which a member of staff monitoring the blocked transactions may see but it won't make any difference to whether the computer system blocks a transaction as it happens - it's all automated and any "notes" on the account aren't factored into the algorithm which it uses to spot fraudulent transactions.

    So from the sounds of what he said, you just have to deal with it if and when it happens. If this note on your account is read by a member of staff, they may unblock the account but whether this will happen immediately, you don't know. So simplest thing to do is just keep the bank's number handy to phone them if the account gets blocked. They may even call you up when the transaction gets blocked as this happened to me when I bought a mobile online.. the transaction was blocked and I got a automated phone call from the bank straight away.

    Short answer: Phoning up will probably not make a difference but you might as well.

    Original Poster

    schizoboy;8884641

    If it is too late for you to get a Nationwide Flexaccount or cheaper … If it is too late for you to get a Nationwide Flexaccount or cheaper alternatives then I recommend taking GBP there and exchanging there not here where the pound is weaker.http://travelmoney.moneysavingexpert.com/



    me and my mum are going on a "girls holiday". she has both a nationwide debit and credit card i think so if i have any problems with mine than she can use hers for me and vis versa

    missp27;8884774

    me and my mum are going on a "girls holiday". she has both a nationwide … me and my mum are going on a "girls holiday". she has both a nationwide debit and credit card i think so if i have any problems with mine than she can use hers for me and vis versa



    Perfect then, dump it all on her card

    moneysavingexpert.com/tra…ges

    Lloyds TSB Visa Debit Card:
    Charge: 2.99% + £1 PER TRANSACTION
    Cash: 1.5% minimum £1.75 max £5, per cash withdrawal

    Nationwide Flexaccount Visa Debit Card:
    Charge: 0% in Europe, 1% World wide
    Cash withdrawal: NIL

    Nationwide Credit Card:
    Charge: 0% in Europe, 1% Worldwide
    Cash Withdrawal 3%, minimum £3 @ 27.9% interest (usually straight from withdrawal date)


    No Contest.

    I recommend getting your mum to call Nationwide on 0800 302010 and making a note on the account as to the dates you will be in Eygpt.

    natversion1;8884571

    Agreed I would call them so they don't see it flag up and block the cards



    [FONT=Verdana][COLOR=Navy]+1[/COLOR] - I've always phoned to give them a heads up before I head out of the country, as I've been caught out a few times especially at hotels and ATMs.

    You might want to check whether there are any charges involved and if so how much they will be.

    Cheers, Scotty Boy! :thumbsup:[/FONT]

    Banned

    lloyds are the worst bank of all for using cards abroad. You will get royally ripped off

    Nationwide wins hand down (no commission / interbank rates for cashpoints)
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