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Don't Be Tricked! 11 Top International ATM Withdrawal MISTAKES 💸 🏧

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Want to save money and travel smart? Check out these other travel videos:
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🛫 How to Book CHEAP FLIGHTS! Top Tips - • How to Book CHEAP FLIG...
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Greetings! I'm Nora Dunn, aka The Professional Hobo. I've been a digital nomad since 2006. I help people design their lifestyles and arrange their affairs so they can travel long term while working remotely. (I also have a ton of crazy travel tales to share from almost two decades of lifestyle travel).
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27 авг 2024

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@NoraDunn 8 месяцев назад

Want to save money and travel smart? Check out these other travel videos: 🔐 21 Travel Security Tips | Road-Tested by a Career Traveler - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-RkZzDLFrWec.html 🥷 Anti Theft Travel Tips I Swear By - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE--UHA392X4UQ.html 🛫 How to Book CHEAP FLIGHTS! Top Tips - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-_aRVQ2ekIZk.html

@NoraDunn 5 месяцев назад

@@HoolyDooly-si2zz Thanks for the tips.

@volkswagen4866 Год назад

Rule number one is to inform your bank before you leave and which countries you will be visiting, as well as taking a picture of your credit card front and back with your cell phone for reference in case your card is eaten by the ATM.

@NoraDunn Год назад

I agree about taking a picture of your cards! But I don't bother informing my bank before I leave any more. It hasn't been effective in the past - my card still occasionally got flagged. My understanding is it's not even a requirement any more.

@MoonbeameSmith Год назад

@@NoraDunn I agree. I told my bank that I was going to 6 countries in Africa and they said So? I thought they needed to know but they said their "anti fraud software" deals with that. It did not give me a warm and fuzzy feeling but it turned out OK in the end. I tend to buy my currencies at my bank but they refuse to handle some of them Fortunately most places take Ameros so it's all good.

@citizenoftheearth6 Год назад

You don't have to do that anymore, because of the chip inside your card. I still do it, but the bank keeps telling me I don't have to.

@volkswagen4866 Год назад

@@citizenoftheearth6 My Online bank site even has a drop down to notify them if I'm traveling abroad and for when and which countries I will be traveling to.

@kylasbibi Год назад

@@NoraDunn Chase does not require anymore but I still check with them

@guitarslim56 Год назад

My tip is to have two accounts. I have my regular account, which has most of my money, and I have a "travel" account, which never contains more than a couple hundred dollars. I replenish the travel account as needed, by going online and transferring funds. That way, even if the worst happens and I lose everything from the travel account, I don't lose that much.

@NoraDunn Год назад

Great strategy, Joe!

@Elaine_713 5 месяцев назад

I do the same thing. I have a dedicated travel debit card!

@gitakiss5801 Год назад

A little something to tack on to online banking. Get the mobile app for your bank. If anything happens like your cards get lost you can lock it right away through the app. Can report it stolen and in some cases mark transactions as fraud. You can even move the balance from your checking account to an account not accessible by debit card :)

@NoraDunn Год назад

Great tip about having the app, Gita! I only recently started having banking/credit card apps on my phone, and it really does make things easier.

@edwardmanfredi121 Год назад

we recently purchased tickets for Europe in Sept and I started listening to travel tips on you tube. Your videos are "spot on", well produced and very informative. Thanks for your hard work putting these videos together and presenting them. I'm certain your advice will save me time, grief and most probably money on my upcoming trip. !

@NoraDunn Год назад

Woohoo! I'm glad my videos and tips have been helpful!

@kathylutter9211 Год назад

#10 just happened to me in Greece !! I had watched this video before traveling but I did not heed the advice as I should have. I used an ATM in Athens with a major bank name but not at the bank . The ATM kept my card and gave me no money . Fortunately for me , it was 11AM on a Friday and I could walk to that bank’s physical location for help. The bank was due to close for the weekend at 2 pm and I was to leave Athens on Sunday . What a mess that could have been as this was just the start of a 2 week trip ! I called my bank which reported that my bank card was fine and should work which it had done before this incident and after . I believe that the ATM machine was faulty . Nora’s tip on this is very important information!

@NoraDunn Год назад

WOW - thank you so much for sharing your experience, Kathy! I'm so glad it all ended well for you. Whew!

@DrezdanyWildlife Год назад

I have never done a foreign ATM mistake. I’ve always been super careful when I travel. I take cash with me and stick to that, and sometimes pay in stores with credit card. I never had any issues in 40 years. Not even a stolen wallet or purse. I’m super aware.

@NoraDunn Год назад

Good for you! That's awesome. Having a system and sticking to it is key.

@alkalagratamira6263 Год назад

You've been lucky!

@ronwloutzenhiser5953 Год назад

After all my years of travel, I had my pocket picked on the Paris and Rome subways. The second time, Rome, I just had pocket cash taken - they left my credit card!!!

@NoraDunn Год назад

@@ronwloutzenhiser5953 WOW - now that's some talent, to only take the cash! I'm creating a video right now about pickpocketing; stay tuned!

@stevek343 11 месяцев назад

Mr. Super duper

@leapintothewild Год назад

Excellent video, Nora!! I knew them all except the cash advance one since I've luckily never had to do it, but had always thought of it as an emergency backup. Now I know how to do it properly if it comes to that! And with my memory, it's always great to reiterate this stuff in hopes that it sticks. haha 🙂 The only tip I'd add is to keep an eye on your surroundings, even at an inside-the-bank ATM: notice who's watching YOU! In the past few years, youtubers in Mexico have talked about a rash of robberies where someone is casually hanging out yet watches for ATM activity and calls a partner outside, who then follows you looking for the perfect time to mug you. So notice people loitering around with not business in the bank, or hanging around the ATM without using it and, if possible, hop into a taxi or uber the moment you leave the ATM rather than walk away on foot. Honestly, it's something we need to do everywhere! (and thanks for no music on this one, so much easier to pay attention to your amazing info) EDIT: also remembered another one where one person says you've dropped something so you look away from the machine while in the midst of the transaction, while the partner grabs your card or cash and runs. The tip was to always go with a second person who stands next to you and never looks away from the ATM no matter what, or stands next to you facing the other people in line so no one can sneak up on you. Doesn't do much for us solo folks, other than being aware and trusting our spidey senses before using the machine.

@cltinturkey Год назад

More helpful tips, so thanks! Nora has a powerful message and such useful tips. I agree with you they're easier to absorb without the background music. Happy travels to all!

@NoraDunn Год назад

WOWEE! Fantastic additions- thanks for sharing!

@leapintothewild Год назад

@@NoraDunn ❤️

@zilam98 25 дней назад

Not sure how the banks in the Philippines now are, but back then, most banks banned the use of cellphones while inside the bank to minimize organized robbery that way. Most banks there have visible security guards too, and those guards would keep checking the people inside who would break the cellphone use rule

@mswhatmeworry 6 месяцев назад

After withdrawing your money, get your card back and THEN ENSURE THAT THE SESSION IS FULLY CLOSED. This is important because sometimes it looks like it has closed, but instead, a few seconds later, it might ask "do you want to make another transaction?" and if you have already walked away, the next guy will say "yes" and proceed to revise your finances for you. I almost missed that recently, as at my home bank atms, withdrawing cash terminates the session engagement, but such is NOT necessarily the case elsewhere. Also, when entering your PIN, cover the whole keypad with your other hand to defeat any. camera positioned to capture your pin.

@NoraDunn 6 месяцев назад

Fantastic advice - thanks!

@donnas3573 Год назад

Thanks for the tips, Nora! For years, I didn't realize that you could decline the conversion rate. I thought it would just cancel the transaction. But a fellow traveler finally mentioned it to me, and it was definitely an aha moment!

@NoraDunn Год назад

Ooh! Glad you know now!

@comboga 9 месяцев назад

You are so right. Travelers really need to know this about international ATM's.

@NoraDunn 9 месяцев назад

Thanks!

@patriciafoster5332 11 месяцев назад

In Japan, foreign credit and debit cards can't be used at bank ATMs. You can however use them at ATMs in the post offices.

@NoraDunn 11 месяцев назад

Good to know!

@magical_catgirl 6 месяцев назад

Japanese ATMs at the major airports tend to take overseas cards, regardless of what branding they have. That same branding outside the airport tends not to accept international cards though. International cards will work at Japan Post Bank ATMs, as you found, as well as with 7andi Holdings ATMs (at 7/11s).

@patriciafoster5332 6 месяцев назад

Interestingly, I had heard that one couldn't exchange Canadian cash for yen in Japan. Yes, you can! At the Shinjuku station tourist centre there is a machine there. Also, a higher end hotel I stayed at by Tokyo station also had a machine.

@magical_catgirl 6 месяцев назад

@@patriciafoster5332 There are also currency exchange places at the airports. I've never had problems exchanging cash in Japan (or anywhere besides China). The only issue with currency exchange is coins, which is a problem almost everywhere. Almost no one will accept coins except maybe some places near land border crossings.

@csjames69 4 месяца назад

Best place to get cash out in Japan. Seven eleven convenience stores. Bonus, they are everywhere.

@power4things 7 месяцев назад

Good tips, one more trick is that ATM's are not the only dangerous place for a debit card - o'seas hotel clerks may take your debit card info for their friend in the US who then charges items before you even get home. This is less an issue in USA, where hotels generally want a credit card anyway. CC's can be hacked too, but your recourse is much better for "stolen" credit than debit. In addition, use an ATM that locals seem to be using, in the usual well-lit area, and bank-branded or at a bank, of course. You may also wish to even go into the bank (why Nora says to go during working hours) and ask for help if you are not comfortable, or it eats your plastic, or you finish x-action and no cash emerges, etc. Frankly, most of Nora's ATM advice (including private ATM's at convenience stores) applies to USA too, private ATM's are usually owned by the store or a guy renting it out, not a bank. So, it's a profit center, with appropriate fees 😁

@NoraDunn 7 месяцев назад

100%! I love your tip to use ATMs that locals appear to be using as well.

@EarlJohn61 10 месяцев назад

In 2017, I was on vacation in the UK & Belgium... *Before* leaving home I acquired a Debit Card, it was NOT associated with my bank account in any way. I then pre-loaded it with 2500 GBP & 500 Euros for the trip (based on the amount of time I was spending in each country)... I used this card *exclusively* for the entire trip and ended the trip with about 300 GBP & 50 Euros left on it. (Yes I over estimated what I'd need & I knew I was doing so. Better to have it & not need it than to run out with a week of vacation left.) After I returned home I went to my bank and asked them to transfer the balance to my normal account AND do the international conversion then.

@NoraDunn 10 месяцев назад

Great strategy! Prepaid travel cards can be great for overall security (not connected to your bank account), and also budgeting (can only spend the money on the card). It does come at a cost of fees to use the card and potentially higher conversion rates, but if the security and budgeting pros are important, it could be a justifiable fee.

@Kingnome Год назад

While deployed to a European country. The exchange rate was in my favor. I went into the bank and asked about withdrawal rate at the ATM. Then said $10 a go! I told my fellow coworkers. Some didn’t listen. I did only two large withdrawals. My room mate made 10 total, in fear of getting robbed or picked pocketed. The bank did that for him.

@NoraDunn Год назад

Ha! Yep, the bank did that for him - well said!

@nickscomputerfix Год назад

Awesome video. Great information provided with clear, upbeat, up to date info and no rambling on and on with side stories. I found it very useful. I ended up watching it three or four times and took notes. It's going to help me in my up coming travels. Thanks for doing the video. I LIKED and SUBSCRIBED.

@NoraDunn Год назад

Awesome - thank you Nick!!

@louisevillegas6739 Год назад

All great tips! Thank you so much for how to check for skimmers! I agree totally on using an ATM connected to a bank during office hours. Plus, in South America we found that ATMs did not always have money on the weekends. We also carry two different ATM cards if one doesn’t work. Finally, we always request an odd amount, like $290 instead of $300 so we get some small bills.

@NoraDunn Год назад

GREAT tip about requesting odd amounts so you get smaller bills! When I lived in Peru and Ecuador I never knew what to do with the large denominations the ATMs kicked out; it's hard to break them, especially in small marketplaces. I had to visit large supermarkets or department stores and buy something small just so I could get change.

@MVR0001 Год назад

That's a great tip to get smaller notes!

@susanraenelson8473 Год назад

Thanks Nora, I woke up at 4am this morning wanting to view ATM videos as I am leaving for Portugal in 4 hours. When I turned on RU-vid...there YOU were! Thank you so very much for your information I had no clue about skimmers. Your videos are AMAZINGLY helpful. Obrigado e adeus!

@NoraDunn Год назад

Thanks Susan! Always happy to help out a fellow traveler with a 4am hankering for ATM videos. ;-)

@leapintothewild Год назад

You're already on the way (woohoo!), but wanted to share that skimmers are a huge issue here in the US as well, so Nora's tip about pulling on the scanner needs to be a habit even at home. I was a grocery manager, and part of the daily checklist for the front-end managers and gas station attendents was to check for skimmers. In fact, gas stations are easy prey since the pumps are out in the open, and many close down at night. Read recently that a Walgreens location had a skimmer, and it's right up front at the register!

@NoraDunn Год назад

@@leapintothewild - YES!!! I totally check for skimmers now wherever I am in the world. And I heard that US gas station pumps are some of the worst for being rigged.

@rickgonzalez1218 Год назад

Deb here. We stopped at a gas station in Maryland and I went in to get us drinks while my husband gasses up the van. He did not know it at the time, but there was a skimmer on the card reader. Later in the day the bank called him to see if he had made purchases elsewhere in Maryland and he said no. Since he used a credit card we were not obligated to pay the charges. The bank said to avoid this happening again, go inside to pay for the gas.

@NoraDunn Год назад

@@rickgonzalez1218 absolutely - paying inside avoids that problem. But also, yay for credit cards! You're not liable for fraudulent charges.

@sandyussia Год назад

Great tips! Some I hadn't thought of or run into in my years of travel, so thank you!

@NoraDunn Год назад

You’re welcome!

@peteplata 21 день назад

Nora, now there's major US banks in USA (not abroad) that sub-contract their ATM at entrance of their branches. So, if the ATM "eat" your card, nobody inside the branch will be able to help ( by opening the machine...). They will call the serviceman from that sub-contractor ATM company, coming for example the day after. Imagine the problem can result, suppose you had plan to leave that city ( place) that day...Which brings me to the point that only card readers where you always have physically access at your card should be installed. Not those who " ingest" cards inside the machine and " throw back" the card. There's 2 card reader systems. The " ingest one" should be illegal. Thank you.

@NoraDunn 20 дней назад

Oh dear - good to know! Good thing the "tap" style ATMs are becoming more common.

@dkgilmorejunkie Год назад

My tip is travel with two different cards and never store them at the same time/place - if the card is stolen, lost or stuck in the machine you still have a backup. Plus remember to open up the country if you have card Blocks on it

@NoraDunn Год назад

Great strategy and advice! Thanks :-)

@cltinturkey Год назад

I was super fortunate to have friends heading to Europe two months before me. I gave them USD and asked them to bring back Euros to get my trip off to an easier start. No need to worry about airport ATMs this time. Obrigado! If you have friends who travel often, ask if they'd like to sell you some foreign currency. One friend travels often to 27 countries and keeps an accordion folder for his currencies. He's always happy to pare down his stash.

@NoraDunn Год назад

Smart strategy for getting cash in advance! I’m currently making another video about a similar topic. Stay tuned!

@davorzmaj753 Год назад

You can buy major currencies at your local bank. (You can use a currency-exchange kiosk too, but the rates are likely to be higher.) If you want a large amount, call in advance to make sure they have enough in stock, or so they can get some in if necessary.

@NoraDunn Год назад

@@davorzmaj753 Yep! I talk about that in this video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-h34rK_SZZaw.html

@Petra44YT Год назад

If you don't have any travelbug friends, you could also try eBay. I once sold some of my GBP online because they were changing some bills and I was not planning to travel to the UK any time soon. Oh, I think they also changed some coins, which you can't exchange at a bank. So, I sold my small stash of GBP at a small loss, but still better than it becoming worthless some time down the line.

@NoraDunn Год назад

@@Petra44YT I've never considered selling/exchanging cash on eBay!

@Bohemiahotrodandcustom Год назад

I never use ATM'S overseas, if I need cash I go into a branch of a popular bank, I never carry more than $100 in local currency and I carry an old empty wallet as a decoy.

@NoraDunn Год назад

Good tips!

@walkietalkietraveller2932 Год назад

that's smart, Geoff :)

@Walleye5469 4 месяца назад

Does this mean that you do cash advances or?

@Bohemiahotrodandcustom 4 месяца назад

@@Walleye5469 I have a travel card with money pre loaded for example " citibank" , I can use that card to withdraw cash from most bank branches around the world, I just don't use ATM'S.

@peteplata 21 день назад

Tell me, how it works for you when arriving in front of the teller? You give that bank employee your card and ask for money? I'm asking because normally they refuse to serve you, and order you to use ATM.

@cltinturkey Год назад

Bravissima Nora! Thank you for this super helpful video. Heading to Portugal next week, so this is a great refresher. This is my first lengthy international trip since the pandemic, so I feel like a novice again. Hoping my many years of experience will come back to me. Hoping also to kick my travel back into high gear. Happy Trails!

@NoraDunn Год назад

Happy travels! Exciting stuff ✈️

@debracampbell1741 Год назад

Great information! I was already online with most of these tips but it hadn't occurred to me to physically check for skimmers, I will from now on! I was in France last year when I received an email from my MasterCard company (who obviously figured out I was travelling despite not having to inform them anymore 😉) advising me to let them do the conversions on purchases to get a better rate. I double checked the offered conversion at point of purchase compared to what I was charged by MC and it was in fact better every time. I've just recently discovered you and love your videos, thank you! 🇨🇦

@NoraDunn Год назад

Thanks Debra!

@alloursongs 10 месяцев назад

This is probably an advice that applies to European card holders: Be prepared that your cash card (and even your credit card) does not work in all the places. About 9 years back my daughter was not able to withdraw money from ATMs in Mexico for unknown reasons. She could not make purchases using her credit card either. After lengthy arguments with our (Austrian) bank it turned out that the response time of the Austrian (European) system was too long for the Mexican ATM machine (or system). - We then knew, that just a few international banks in Mexico (Bank of Scotland and HSBC) could communicate without problems with the European system. A few years later I had a similar experience in Peru. Whereas I had no problems to withdraw cash from ATMs in Lima, I could not do so in the province, when I needed it due to a health problem. I presume that that was for the same reason.

@NoraDunn 10 месяцев назад

It's odd where cards work and don't work! None of my debit cards worked at any bank on the Caribbean island of Grenada for some reason. That was where I learned the lesson about making ATM withdrawals using a credit card ;-)

@newgabe09 7 месяцев назад

Yes, strange things happen. I used my Australian credit card in every country including some 'strange' ones. Suddenly in Spain it wouldn't work. Fortunately the friend I was staying with had wifi so I could make calls and hang out on hold to my bank who didn't know what was happening, forwarding me - more on hold- to the actual issuer of the card. Turned out in Spain I could only use a Citibank ATM... fortunately I was in a large enough city that there actually was one. I had almost no cash on me - lesson learned. I always carry a fair bit with me now. Cards are just too 'computer says no' for constant comfort.

@NoraDunn 7 месяцев назад

@@newgabe09 "Computer says no" - Ha ha - fair enough!

@jayjaynella4539 Год назад

I remember when travelers cheques were the way to travel overseas. Fees less than 2%, cheques with serial numbers, and replaceable if stolen or lost. Far better than credit or debit cards. No scammers to steal your money and personal data. No lining up at atms wondering if you will get robbed. And great for buying stuff from individuals who did not have a business. Like buying a few books from someone on the street where you were staying. Great also for small purchases. Or for paying tips at restaurants and at airports. No hidden traps like the banks are springing on you at every turn now. And wait till the cashless economy comes, when your money deposits into your account expire after 6 days.

@NoraDunn Год назад

Wow! I'm not nearly as pessimistic about our current situation as compared to when we used travelers cheques. Perhaps I didn't travel in the "heyday" of travelers cheques - I found them difficult to cash, as they weren't widely accepted. I think the advances we have made technologically have more than made up for the challenges in managing it. But I do understand your point of view.

@MsShoshi99 Год назад

Yes, travellers' cheques were great. You could just go the the American Express office, which every major city and major tourist spot had (as well as many smaller locations) and take care of any theft issues, as well as cash them. They also gave you real-time awareness of how much you were spending.

@dirkderolf4021 Год назад

Thanks, Nora. You continue to educate me. Much appreciated!

@NoraDunn Год назад

You're welcome, Dirk!

@watchersmith806 Год назад

Thank You for sharing your experience and sharing tips with us!

@KenshoQuest Год назад

Great tips! We also switched to a Charles Schwab checking account. Not only does our bank not charge a foreign withdrawal fee, it also reimburses us monthly for any fees charged by the ATM. An excellent perk for long term travelers! Especially since some ATMs have a low withdrawal limit. I was confused by the whole ATM conversion option until recently. The wording can be really tricky! Thanks for your videos. 🌺✈️ Heidi

@NoraDunn Год назад

Yes, I hear Charles Schwab is the way to go for ATM fee reimbursements. Fantastic. Happy travels, Heidi!

@teresaforsyth6185 Год назад

Story about a cash advance on credit card to get my husband out of Barbados Hospital. All doctors required U.S. dollars direct handed to them, either at the hospital they owned or standing in the steps outside the office. Extortion? Yes, likely, but husband was seriously I'll and needed to be flown promptly to ICU in Washington, DC. Doctors In Barbados would not sign expatriation form without payment in full. Gratefully we had the cruise line insurance, but it did not cover my fees for transportation to the capital to the bank that would advance me the $15,000 or more, nor the fees associated with using the credit card!

@NoraDunn Год назад

@@teresaforsyth6185 Holy moly that's awful! I'm surprised the hospital in Barbados didn't have a direct pay feature so the insurance company could cover the bill directly. Glad you got it sorted out in the end, but WOW. Man. I hope your husband has recovered fully!

@NoraDunn Год назад

@SamBANKmanHeeb Great question. I personally have banked with TD since forever and they're pretty good. Most of the "Big 5" banks in Canada have various tiered types of accounts to choose from; consider choosing a tier that includes free foreign ATM withdrawals so you don't get popped for $5 each time. These types of accounts often come with a monthly fee, but that can be waived if you maintain a certain balance.

@karenryan5986 11 месяцев назад

EQ waives tx fees and withdrawal fees

@BGTuyau Год назад

A comprehensive set of smart, practical tips. The last one was a new one on me. Thank You. FWIW, my one mistake with an overseas ATM was being unaware of the net cost of a non-bank machine.

@NoraDunn Год назад

Ooh - non-bank ATMs are the worst! Sorry you had to learn that one the hard way.

@BGTuyau Год назад

@@NoraDunn Thanks for your reply. I recall that it was a Geldautomat in Germany. In my case, it was no big loss -and I learned that not all ATMs are created equal. Your nicely-done video is must-viewing for all overseas-bound travelers.

@NoraDunn Год назад

@@BGTuyau Thank you so much!

@Ghatbkk 9 месяцев назад

The image of ATMs at 7.42 in the video are ALL bank ATMs (Thai banks, in fact). From left to right - Siam Commercial Bank, Thai Farmers Bank, Bangkok Bank, Krunsri Bank and Bank of Ayutthaya.

@NoraDunn 9 месяцев назад

Thanks for weighing in!

@pamsmith7369 6 месяцев назад

ALWAYS, ALWAYS, ALWAYS carry cash! Not only are ATMs dangerous to use (even in the states) but the fees are totally unnecessary! We went to a BANK to convert US $$ to foreign. Not our home bank (which has awful rates) but a foreign bank. Go inside the bank and convert! Train stations are sometimes OK but not if you’re traveling alone! Only works if you’re in a group and watching out for each other. If a kiosk for tickets or a restaurant only takes card, then use a card but most like the American $$.

@NoraDunn 6 месяцев назад

I believe carrying too much cash is a way bigger security risk than using ATMs. If you know what to look out for in terms of ATM scams and safety, it's a better way to go. But....different strokes for different folks. If you prefer to carry all the cash you need for your trip, go for it. It's impractical for me since I travel for months at a time.

@Mr.DJones 4 месяца назад

Thank you for your time and posting. Always great editing. I took lots of notes. :)

@NoraDunn 4 месяца назад

You're very welcome!

@llinnick Год назад

Great channel. Nice to see fellow Canadian’s making great content.

@NoraDunn Год назад

Woohoo! Thanks :-)

@LEXPIX Год назад

Great tips and love the last one the most. Keep up the good work.

@NoraDunn Год назад

Thanks!!

@mireyam4661 Год назад

Woau!!! Awesome 👌 video. Thank you soooo much for the information.😊

@NoraDunn Год назад

Glad you enjoyed it!

@richardsimms251 Год назад

Really great video

@VegasNegus Год назад

Such valuable information Nora. ❤ it!

@NoraDunn Год назад

Thanks!

@nagamachiku8699 6 месяцев назад

Beautifully presented. Eliminating background music is a triumph. Thank you for that. I’m proud of you. Stay safe always…

@NoraDunn 6 месяцев назад

Thank you very much!

@Alan-bj9nb Год назад

Lots of great advice! Thank you!

@NoraDunn Год назад

So glad you enjoyed!

@Mr.DJones 2 месяца назад

Update: My Wells Fargo ATM card will give me ONE free foreign withdrawal each month. But that may be fine in Vietnam. And for anyone visiting VN, a vlogger (Trinh Nguyen) posted the withdrawal fees for the top banks there. Thanks again. And I'll probably watch this again. :)

@NoraDunn 2 месяца назад

Thanks David!

@roverdover4449 10 месяцев назад

Really well made video. Thanks.

@NoraDunn 10 месяцев назад

Thank you!

@FernandoVictorino 10 месяцев назад

I love the vídeo. Thanks for your time 😊

@NoraDunn 10 месяцев назад

Thanks for watching!

@designwishesbypamela Год назад

Nora, I love your videos! Just subscribed to your channel. I've traveled outside the US before and instinctively used common sense. However, your videos take common sense to the next level when traveling abroad. Which, coincidentally, I will be doing soon! So, thanks again, I plan to employ tips from this video as well as others you have produced.

@NoraDunn Год назад

Thank you so much, Pamela!

@mobycat33 Год назад

Ugh, dynamic conversion/tip one happened to me just a couple of weeks ago, and I knew better. 😩 Great video!

@NoraDunn Год назад

Aw, sorry that happened to you! It gets us all at some point. I've been burned too.

@charlieb893 3 месяца назад

With all this great info, it just might be easier for me to take the hit and get Euros at the bank.. I might pay a fee, but well worth it. I won't have to look over my shoulder, or look for scammers etc.

@NoraDunn 3 месяца назад

True, but then you have to carry cash (which can get lost or stolen)! It's a trade-off, and a personal choice.

@marcietownsend3635 Год назад

Great video. I also try and use an ATM in a bank during business hours since it did happen once that an ATM in Mexico ate my debit card. I was banging on the bank window and yelling like a banshee in order to get my card back within the five minute window of opportunity. I got my card back! I also scope out bank ATMs that give the card back BEFORE dispensing cash so in case I space out, I get my card back.

@NoraDunn Год назад

Glad you got your card back, Marcie!

@peteplata 21 день назад

But Marcie, how do you know which ATM that give the card back BEFORE dispensing cash and those who don't? To my knowledge, it's not posted on machines...you know after the fact right?

@marcietownsend3635 21 день назад

@@peteplata Yes. Santander Bank gives the card back before dispensing cash.

@peteplata 21 день назад

@@marcietownsend3635 Santander, got it, thanks Marcie.

@davide07373 Год назад

Thanks, great information. I would add that some banks have partner banks in some countries. When I visited France (from US) a few years ago I checked the BankofAmerica website and they partnered with BNP Paribas and using BNP’s ATMs would avoid the non-BankofAmerica-ATM fee of $5. Still had to pay the 3% international transaction fee. Unfortunately I was in a small mountain village that only had an agricultural bank. Luckily I ordered euros from BOA that showed up in 3 days and I had estimated the right amount for 2 weeks $800. I brought crispy new $100 bills as a backup ($1,000), but I didn’t have to convert. We were in an AirBNB and I felt safe leaving cash back at the house hidden.

@NoraDunn Год назад

Thanks for the tip, David!

@bernie.b 6 месяцев назад

Hi Nora; EQ Bank has a great prepaid credit card available.... load it up, earn interest and cashback on purchases..... no extra fees. We have also used the prepaid CIBC AC conversion card, load it up, convert any amount to the currency you need and use like a debit card abroad. Also cashback and no fees. Great video and great advice.

@NoraDunn 6 месяцев назад

Ooh - great tips, Bernie - thank you!

@hartplanet356 Месяц назад

I never realized that making a cash withdrawal on your credit card meant the entire balance due would be charged at the cash withdrawal rate. That sounds criminal.

@NoraDunn Месяц назад

It's a terrible practice. Though apparently not all credit card companies do this any more. You'd have to sift through a ton of fine print to find out, but if you're inclined to make cash withdrawals with your credit card, it could be worthwhile.

@msbrownbeast 5 месяцев назад

You will likely run into a similar problem every time you use the credit card too, whether at a restaurant or at a store. After all making a credit card purchase overseas is the same as making a cash withdrawal.

@NoraDunn 5 месяцев назад

Actually that's not true. A credit card purchase abroad is not the same as a cash advance. I charge almost all my expenses abroad to credit cards.

@jd3422 Год назад

My greatest ATM mistake - which, at this point, could amost be considered a hobby - has been to leave my ATM card in the machine and then walking away from the ATM with the card in it. I have done this on four different continents: Africa, Europe, North America, and South America.

@NoraDunn Год назад

Ha ha - wow! You only have a few more continents to go, and then you get the ATM prize! ;-)

@zoemurillo6838 Год назад

Great idea on not accepting the exchange rate on the ATM✍- taking notes for upcoming trip!

@NoraDunn Год назад

Thanks Zoe!

@AnneMB955 Год назад

Thx for all these valuable tips. I was stung at a bank in Paris. Vowed never to withdraw cash there again. Have bought Euros here in 🇦🇺 before I go. The rest of the time I’ll use my contactless card. This vid of yours is needed. Thx.

@NoraDunn Год назад

Thanks Anne! I too use credit cards / contactless payments wherever and whenever possible.

@AnneMB955 Год назад

Yes Nora, contactless cards are the way. Bringing a little cash for possible gratuities and if needed in my countryside foray. Thx again for your tips.

@bretsbrit 3 месяца назад

My bank in England does not charge us to withdraw money when abroad. Yet those pesky machine owners charge $10 dollars per transaction. Even when we go inside the bank to use machines we are charged again. It’s the same in Spain also.

@NoraDunn 3 месяца назад

Thanks for sharing!

@johnnybgood3909 Год назад

Most apps have the facility to place your card on hold. I leave mine on hold till i need to use it then take it off hold. After use, place it back on hold. Always take more than 1 card if travelling.

@NoraDunn Год назад

Great suggestions! Thank you

@solo.life.travels7215 Год назад

This will be me 1st time exchanging money, going to Seychelles. Very helpful video, thank u

@NoraDunn Год назад

You may want to check out my episode about currency exchange! Some great tips in there: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-h34rK_SZZaw.html

@plovenmark6424 Год назад

Wow, this is such useful information. Some things this experienced traveler was not aware of. Thank you soooo much for this education ❣️❣️This all requires some intense planning ahead, which I realize I must be better at!

@NoraDunn Год назад

I'm so glad you learned something new! Thanks for watching.

@selenaphillips6971 Год назад

When traveling overseas bring a credit card that is acceptable (last year in Mexico a store didn't accept American Express credit cards) and cash. Leave your ATM card at home, try to avoid using ATM machines, and avoid doing Zelle like transactions.

@NoraDunn Год назад

Amex is the least-accepted card. I always make sure I have at least one Visa/Mastercard. I DO bring my ATM card though; sometimes you need cash, and using a credit card in the ATMs is not advised.

@caroleanne8529 Год назад

We also rely on credit cards. Husband and I take different ones, so if one gets shut off or declined, we can use the other one. We order a small amount in cash before leaving home for taxis from the airport, etc. and each take an ATM card (different accounts) just in case. So far it has worked for us.

@NoraDunn Год назад

@@caroleanne8529 Fabulous strategies!

@bretaskinner3143 Год назад

Great advise, I didn't think about checking for the currency exchange before going to the machine so you can gauge how much to withdraw. Love your necklace!

@NoraDunn Год назад

Thanks, Breta! Glad my tips helped.

@comboga 9 месяцев назад

A big tip is to let your bank know you're traveling international just in case your transaction gets blocked for security reasons depending on your bank. Make sure you ask them about it.

@NoraDunn 9 месяцев назад

I used to alert my bank, but it didn't eliminate (or even reduce) the number of times my debit card got flagged and blocked when used abroad. I asked my bank (as well as a credit card company) about it a few years ago, and they said it's largely unnecessary, but can't hurt. I'll also note I haven't had a debit card blocked/flagged since 2017, but that could be as much about where in the world I've been since then as it is about technological advances since then.

@pedrotorres4360 Год назад

Thanks for the tip good video👍💯

@NoraDunn Год назад

Any time!

@jfrancobelge 10 месяцев назад

I can only concur with you. As a past frequent traveler, that was the first thing that instantly came to my mind when I saw the title of this video: never let the ATM do the conversion for you, always withdraw an amount in the local currency and let your bank do the conversion afterwards. Another point, though I don't k now if it's valid worldwide (I live in the EU): even at home I never withdraw money with a Visa card, their commission is outrageous, I always use my Maestro card instead, at home or not.

@NoraDunn 10 месяцев назад

Thanks for sharing!

@MyBelch 11 месяцев назад

Tip Number Eight 7:32 "If you can avoid them, don't use private ATMs. These are ATMs not associated with a major bank." Shows an image of five ATMs -- Siam Commercial Bank, Kasikorn Bank, Bangkok Bank, Krung Thai Bank, and Krung Sri Bank -- all major banks. The last tip is useful. I load extra money on my credit card (above my credit limit) before travelling and then I'm not charged interest on cash withdrawals.

@wfdTamar 6 месяцев назад

Really like your videos. (BTW - I think the Australia on your necklace is back to front.)

@NoraDunn 6 месяцев назад

Thanks! (And, interesting observation about the necklace! I'll have to take a look. It's far from exact! And of course NZ is missing)

@MVR0001 Год назад

Thank you for providing a simple explanation on how credit card ATM withdrawals work! I've been confused by the murky guidelines on how the credit card companies and banks apply these!

@NoraDunn Год назад

Glad it was helpful!

@MVR0001 Год назад

@@NoraDunn If you're ever in the Caribbean again (Trinidad to be specific), lunch is on me!

@NoraDunn Год назад

@@MVR0001 Thanks!

@Cowboy77 3 месяца назад

Wow, this is some incredibly helpful advice

@NoraDunn 3 месяца назад

Thank you so much!

@davidwestmoreland3909 Год назад

When I was in Trinidad W.I. I used an ATM at a bank and before I could take my money from the machine it went back into the ATM. I talked to the bank person and they “checked” the machine and informed me that there was nothing wrong and would not give me my money. I notified my USA bank and disputed the transaction and they got the problem sorted out and the bank gave me my funds. This took several days so if you were a tourist it could have been a problem. My suggestion is to grab your money as soon as it is dispensed .

@NoraDunn Год назад

Wow - That's an odd thing to happen! Mental note: grab money and run ;-)

@MsShoshi99 Год назад

Years ago I was using an ATM and it simply swallowed my card after I entered the PIN incorrectly a couple of times. Fortunately the bank was open and they were able to unlock the ATM and retrieve my card, as well as let me set a new PIN. It was the bank that issued the card. Don't know if this might still happen but it was harrowing!

@NoraDunn Год назад

@@MsShoshi99 Glad you got your card back! This is testament to using a bank ATM attached to the bank itself.

@dougkeirnes4540 11 месяцев назад

Great stuff!

@NoraDunn 11 месяцев назад

Thanks!

@1215cheshire Год назад

I haven’t been ripped off by an ATM. However was with a friend at a $ exchanger and he was pick pocketed right there at the window. He got his money put it into his bag and when we walked outside he reached into his bag and it was gone. Obviously he didn’t close his bag.

@NoraDunn Год назад

WOW that's unfortunate. I have another video coming soon about exchanging money and scams and such.

@bluetrue6062 5 месяцев назад

Wow! Good info here. Thanks!!!

@NoraDunn 5 месяцев назад

Glad it was helpful!

@denisehall5145 Год назад

Thank you for this valuable advice.

@NoraDunn Год назад

With pleasure!

@wrldtrvlr4vr Год назад

Great tip about the cash advance!

@sealand000 Год назад

The last tip is a good one - pay in advance for the amount you might withdraw, and then some, just to be safe. The balance for no-fee foreign withdrawals is crazy high, like 200K

@madeketir 6 месяцев назад

There may be reason to deliberately use a credit card to withdraw cash in foreign ATM's. On mine (a US$ card) keeping a positive account balance waives all fees and no interest is charged. Check first these rules with your issuing bank.

@NoraDunn 6 месяцев назад

Interesting!

@samialkhammash1985 2 месяца назад

In some countries, it might be better to just send yourself a western union transfer, then pick it up from an agent office in a prime location.

@NoraDunn 2 месяца назад

Aren't the admin fees exorbitant?

@samialkhammash1985 2 месяца назад

@@NoraDunn Considering all costs, large Western Union transfers with fixed fees per transfer can be cheaper than multiple ATM withdrawals with per-withdrawal fees. Additionally, using ATMs carries the risk of your card being retained by the machine. For most countries its around 15 USD per transfer + 1% markup fees for the currency conversion.

@NoraDunn 2 месяца назад

@@samialkhammash1985 Thanks for the info!

@celestepalm6949 Год назад

Much Appreciated!!! Gawd, those skimmer things are _awful._ How creepy! Super wise tip to stick with established bank atms, & especially indoor ones in the later hours...

@NoraDunn Год назад

Also, unless I can help it, I never use ATMs after banking hours. And never ever late at night when the chances of ATM-related thefts are higher.

@hasanmatloob3788 7 месяцев назад

Never put your debit card in ATM machines located at Metro stations or inside convenient stores, even if they belong to well known banks. Because if the machine eats your card, no one would take responsibility. The Metro station or the store will say its bank's property so they can't touch it. And when you will contact the bank's helpline, they won't have an idea which branch's jurisdiction does the ATM fall into. Even if the helpline identifies the respective branch, the branch manager is more likely to ignore or delay the request. Since the ATMs at remote locations are not visited by branch staff frequently and therefore is low on their priority.

@NoraDunn 7 месяцев назад

Absolutely - I agree 100%! This is why I advocate for using ATMs connected to or inside the banks themselves.

@inquisitvem6723 6 месяцев назад

Convenient store atm like 7 eleven stores are the best in Japan

@NoraDunn 5 месяцев назад

Really? Interesting.

@briancrocker9926 11 месяцев назад

I lived in Senegal for years but my banking was in Canada. Only my credit card worked at the local atm. I always kept 1000 or so in credit balance in my credit card and so avoided all cash advance fees

@NoraDunn 11 месяцев назад

Thanks for sharing, Brian! Good call on keeping the credit balance!

@aussiebornandbred Год назад

That's some great advice Nora, thank you very much,, I'm going to México in a few months,(first time overseas ever) and I have to say that using the ATM'S and being ripped off is my biggest concern 🤣, thanks very much from Australia

@NoraDunn Год назад

Have a great trip! Glad these tips helped.

@stanleystuart2008 Год назад

In Thailand you can actually go into the bank and withdraw through the teller there's only a small fee from the bank

@NoraDunn Год назад

Great tip Stanley!

@mjordan812 11 месяцев назад

I had an ATM in Austria eat my debit card on a Friday evening. As I was passing through. On Day 2 of an 18 day motorcycle ride. Yeah. This was 14 years ago and it's still fresh in my mind. Re: interest charges on cash withdrawals - normally only the amount advanced is subject to interest charges. But that depends on your specific bank's policies. I do like your tip on establishing a positive balance for an advance to draw against and, of course, you can go online and pay the card's balance from your hotel that night - assuming online banking.

@NoraDunn 11 месяцев назад

I'm sorry you had that trouble in Austria! Indeed those memories tend to feel just like yesterday - ha ha!

@jd3422 Год назад

That skimmer problem is real! I had my ATM card skimmed in a grocery store ATM in Port au Prince. Somebody I was traveling with had it done in Cape Town. Fortunately for me, my bank covered the charge and took the loss, so I was a bit inconvenienced, but not out any money. And one important thing: I have one of those home bank accounts where the bank pays for all the fees, everywhere in the world.

@NoraDunn Год назад

Glad your bank covered the fraudulent charges! Also, great tip about having a bank account that reimburses for foreign ATM fees. Which bank is it?

@RnR-Rebel Год назад

@@NoraDunn - We have Chase & they remove all extraneous fees from ATMs anywhere in the world. We’re “premiere” (that & a metro card gets me on the subway😂!) customers but I think it’s the basic “signature” account that does it for all. Oh & in the U.K. they got rid of all ATM surcharges (excepting currency exchange fees) maybe 15 or so years ago. You’d only pay whatever bank fees your bank charges & for the 45 yrs of travelling overseas currency conversion which is *always* best thru your bank. Just found your channel in time for our next visit overseas & so glad I’m binge watching! Thanks for all the fab info! 🧡🎸🎶⚡️ PS btw nearly no one except the chemists & supermarkets take cash in London. I see the travel advantages for those of us privileged to have CCs etc… but it makes me think of all the people who can’t get one & the DISadvatages for them😢.

@shetuamin Год назад

Thanks for this video. I did not know about private atm.

@NoraDunn Год назад

Glad it was helpful!

@tedrick4713 Год назад

Good stuff, thanks.

@dellnichols4625 Год назад

#10 is major! A friend used a bank ATM after banking hours in Italy. Luckily we were not leaving that town until a couple of days after so she could go to the bank the next morning when it was open to retrieve her card.

@NoraDunn Год назад

Whew! I'm glad she got her card back!

@shelleybergen1232 Год назад

Here is a great tip, before you leave on your trip, talk to your bank and tell them where you are going. Many banks have "sister" banks in foreign countries where you can use their ATMs and pay no fees. We did this the last time we were in England and France and we only used the sister banks ATMs and we paid no fees for our entire trip! It is also good to let your bank know where you are going and when so that they don't see an expense in a foreign country and think your card has been stolen. This has happened to many people I know!

@NoraDunn Год назад

Great advice Shelley!

@shirnettbrown8365 Год назад

Great information, learning alot. Thanks

@NoraDunn Год назад

Thanks Shirnett!

@SuzanneU 11 месяцев назад

I have autopay on my bills. No problem! I also have alerts on my bank account. Every time a transaction is made, an alert comes up on my phone. All of these tips are very necessary within the USA as well as abroad.

@NoraDunn 11 месяцев назад

Great tips, Suzanne!

@robertgundy9606 Год назад

Another common issue is using the card too many times, even if it is at different ATMs. I have had my card taken because my pathetic bank (Bank of America) kept declining my ATM usage despite telling them I would be traveling. I got left without cash for a week in Costa Rica because I tried to get cash on a Friday and the personnel that opens the ATM machines at the branch only came on Thursdays. I had tried 5 or 6 times at different ATMs and different banks entirely. If it doesn't work after one or two tries, try the next day.

@NoraDunn Год назад

Ooh - wow - that’s really good advice about waiting until the next day. I have had debit cards not work because I’m abroad (even though there was a travel alert on my account). Now, if it doesn’t work once, I immediately call my bank - they usually know what’s up and can release the freeze on the card.

@karenvonbargen4472 Год назад

A similar thing happens in Santiago, Chile, but it’s Friday. All atm’s run out of money pretty rapidly on Friday so beware!

@rebeccagutierrez1960 Год назад

Rick Steves says to withdraw no more than $200 at a time, and on that very day, don't do it again.

@richardfox2865 6 месяцев назад

We travel all the time. Definitely, have 2 or 3 online banks that contain little money. Never use your main bank account; never use your credit card: these are for emergency use only. Always use a private sim card... so, in a new country, get a sim for that country. Never use public wifi to do any online booking, banking, etc. If you do be prepared to get all your details stolen... Never let your cards out of your sight. Never do this. No business needs to make copies of your card numbers, but some businesses try this. Stay safe.😊.

@NoraDunn 6 месяцев назад

Thanks for the tips, Richard!

@well-blazeredman6187 Год назад

Really interesting, Nora. I was expecting the last tip to mention interest payable, immediately, but only in relation to the cash withdrawn, not the whole balance. This Brit will look at his cards' Ts & Cs more closely. In Rio a couple of weeks ago. Had difficulties sourcing Brazilian currency before I got there so planned on using my debit card in local ATMs - and, one after another, they declined the transaction. The lifesaver was the Spanish bank Santander. And having some dollars in my pocket.

@NoraDunn Год назад

It's always good to have some dollars on hand! Interesting the Brazilian ATMs didn't want to play nice with your debit card. Are credit cards widely accepted there?

@well-blazeredman6187 Год назад

@Nora Dunn I tried the debit card at 2 Airport ATMs - my pre-paid taxi hadn't materialised, BTW - and at 3 Brazilian bank branches. My Mastercard worked well, in the hotel, at the tourist sites and in local restaurants. A number of vendors on the beach also had card-machines with them. I declined offers to use those!

@EricPham-gr8pg 4 месяца назад

That is why i return all atm card and credit card. Use traveller check or cash only or selling buy products in luggage is better than money like bose speaker or luxury watch or jewelry or computer or game machine or educational gift

@NoraDunn 4 месяца назад

I didn't think traveller's checks were accepted anywhere. Where have you used them?

@KathyKaddoura-yx8qn Год назад

Try to use an atm with a companion. Try not to go alone. Don’t let unknown people “help”. You might lose a card in a switch. We stopped this once. Scary.

@NoraDunn Год назад

Great advice, Kathy!

@susana6917 6 месяцев назад

Great vid, TY! Just wondering what all one would need cash for, given ease and security of Visa/MC (heading to Ireland / Scotland soon for a month)?

@NoraDunn 6 месяцев назад

In Ireland/Scotland, you'll be able to pay for pretty much everything with cash I would assume. Not always possible in some countries.

@peli71 10 месяцев назад

Tip 11: arrange a backup credit and debit card with ATM functionality. Of course with another bank than your main cards.

@NoraDunn 10 месяцев назад

Great tip!

@GibbAsp 11 месяцев назад

Thanks for this useful information 😀. Other options after having your card eaten by atms could be mobile phone payments using apple or google. Doesn't help if you are in country where only cash can be used.

@NoraDunn 11 месяцев назад

I pay by card / mobile payments as much as possible anyway. But yes, doesn't help in places where cash is required.

@LawrenceStevens01 6 месяцев назад

I was recently traveling in Chiang Mai, Thailand. All the 🏧 's in the main tourist area would only allow a withdrawal converted to usd, incurring a poor conversion rate, in addition to a $6 withdrawal fee. Luckily, my Schwab bank reimburses worldwide withdrawal fees.

@NoraDunn 6 месяцев назад

I had similar challenges in Chiang Mai a few years back. Too bad it's still happening.