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Travelling overseas with your credit card
If you're planning to travel overseas, it's good to be prepared for any unexpected situations that may affect you financially. We've put together some helpful tips for looking after your credit cards and to help you stay money-smart during your travels.
Let us know before you go
If you’re travelling overseas, we highly recommend you let us know before you travel. This helps us anticipate an increase in overseas purchases and avoid any unnecessary blocks on your card during this period. If your notify us online and your plans change, you can update your travel details online too.
Take more than one card
Depending on your circumstances, you may wish to consider taking additional ANZ cards, like an ANZ Access Visa Debit card. This can also help when using ATMs that don’t let you choose between transaction accounts and credit accounts to withdraw money, which may lead to additional transaction fees being incurred on your accounts. This will also mean you have a backup payment option in case of loss or theft.
Choose the right overseas ATM
Make sure the symbols on the ATM correspond with your card so you can access the account you want.
For access to:
- Visa credit and debit cards: use Visa Plus ATMs
- Savings* accounts on ANZ Access cards: use Maestro and Cirrus enabled ATMs.
Search for Visa ATMs worldwide.
Know your overseas fees/charges
If you make purchases overseas with your ANZ credit card, you may have to pay an overseas transaction fee. You may also have to pay a cash advance fee and an ATM operator fee if you use an overseas ATM. Other fees may also be applicable. For full details, please refer to the ANZ Personal Banking Account Fees and Charges (PDF) booklet and ANZ Credit Cards Condition of Use (PDF) booklet, available online and in ANZ branches in Australia.
Get a pin for your credit card
If you haven't already, make sure you get a PIN as merchants in some countries don't accept signatures to authorise transactions on a credit card. You can set a PIN for your eligible card using the ANZ App.
Set up automatic payments
If you’re away for a long time, it may be worth setting up automatic credit card payments to ensure your monthly ANZ card payments are on time. You can set up a future payment in ANZ Internet Banking or by CardPay Direct.
Check card expiry dates
Check the expiry date on all of your cards that you are taking with you to ensure they will not expire while you are away. If you need a replacement card, or want to apply for a different credit card, log on to Internet Banking or contact us.
Set up your online banking
Remember to set up your ANZ Internet Banking, ANZ App and ANZ Phone Banking before you go, so that you can access your ANZ accounts while travelling. If you're already set up and your CRN is your card number, we recommend changing over to a 9 digit CRN so that in the event your card is lost or stolen, you will still have access to your ANZ accounts.
Add cards to your digital wallet
Add your credit cards to the digital wallet on your smart phone before you go, for a more secure way to pay. And, if your physical card gets lost or stolen, you can request a replacement card which will automatically update in your digital wallet, ready for use.
Boost your online security
Find the security options you can adopt to improve your online banking security and access while abroad. Please note that one time passcodes are sent to your Australian phone number so you'll need to turn on mobile roaming to receive it.
Temporarily block your card
ANZ App users have the ability to temporarily block your card. This action will stop anyone from using your card until it turns up or you report it to us as lost or stolen.
How to temporarily block a card
And the beauty is, you can unblock your card in the ANZ App if you find it again.
Report your card as lost or stolen
Please report lost or stolen cards immediately. We’re available 24/7.
Report using the ANZ app Call +61 3 8699 6955
Want to avoid international call costs? You'll need to contact the local operator in the country you’re in from a landline and request a reverse charge call to the above number.
The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.
The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.