Do You Need To Inform Your Bank When You Travel?

TTT 23
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Jenn: Hey, everyone. Welcome back to travel tip Tuesday. Um, This week's advice started as a question that formulated in my brain. Do you still need to inform your bank? That you were traveling.

Meggan: I think this is a wise question.

Jenn: Let's talk about it. So I remember back in the day, calling my bank to tell them that I would be traveling out of the country. And then I was like, oh, I can do it in my online banking. This is very convenient. And then I went to do it online and they're like, you don't need to do it. So I was. What is this?

Meggan: Why has this changed?

Jenn: What is going on? So I still see it advising your bank that you're traveling on a lot of travel tip lists. So I decided to dive in a little bit we are both,

Meggan: we're doing the research for you this week people.

Jenn: Yes. This week sort of. We're in Nova Scotia. I personally bank with Scotia bank and they do not need to be informed because of their quote unquote advanced fraud protection, whatever that is protects you, wherever you go.

And somehow they know that you're traveling. I don't know.

Meggan: I wonder how they, that part freaks me out. Like how do you know it's me?

Jenn: I don't know. I sometimes

Meggan: it's advanced

Jenn: its so advanced. Sometimes I buy stuff like at the airport with my credit card to be like, look I'm in the Halifax airport. I don't know if they look at that.

Meggan: What are you like Hansel and Gretel like leaving little like bread crumbs for them.

Jenn: I dunno if that makes a difference. I have no idea.

Meggan: I love that. Look at me now I'm buying a sandwich at the Halifax airport.

Jenn: I dunno. So I dove it anyway. Most banks in Canada do not need to be notified anymore. But they do suggest making sure that your contact information is up to date so that they can contact you. If they're like what's going on? Um, However, I did see that some or a lot of American banks still want slash need you to notify them of travel. So keep that in mind if you're listening from the us.

Meggan: Well I think the us banking system, I think what's pretty different. There is there's tons of different even like local state banks that are not Countrywide.

Jenn: Yeah.

Meggan: Here, we sort of have the big five plus a few others.

Jenn: Yeah.

Meggan: But I think there, and they may not have, because of the smaller nature of some of the banks, they may not have the advancements.

Jenn: Yes.

Meggan: But logically, they might still need you to inform them cuz they just don't have like the technology to know that could be it.

Jenn: Yeah. I mean that seems fair. Just a couple of other banking related type of tips. If you don't have a chip debit slash credit card yet, where have you been get one of those now? Yeah, it definitely makes traveling so much easier, especially in Europe. It, a tap. Tap is huge.

Meggan: I love tap.

Jenn: We love tapping. And then if you don't have a credit card, a visa debit card is a thing that makes things a lot easier. I also suggest finding a partner bank with your bank. If you wanna,

Meggan: I never thought of this before. Tell us why you should do that.

Jenn: Oh my God. Well, you can save some money on the fees. So for example, my bank Scotiabank is partnered with Barclays in the UK or the bank of America in the us. So I can use their ATMs without incurring international ATM fees.

Meggan: I didn't know that.

Jenn: Meggan, where have you been.

Meggan: I don't know, apparently not working at a bank.

Jenn: Apparently get getting fees, get clear, like

Meggan: just, just having some fees. I love all of this. I knew that I no longer had to inform. I always felt like when I called my bank, that I was like, Calling someone to like, be like, so I'm traveling. Um, Could you make a note Jim, of where I'm going? um, And it always felt silly, so I, but obviously necessary, but I'm really glad we've sort of gotten, you know, more advanced with that. I think all this is great. I'm definitely gonna look up like literally when we hang up the partner bank thing, I think that's really cool and never thought of that.

So. I mean, I got nothing else to add, but thanks for sharing this very useful info.

Jenn: You've learned something, hopefully those out there listening, hopefully you've learned something due and we can all pay less bank fees at or

Meggan: We're changing lives out here. I mean, saving money at least.

Jenn: Exactly. Uh, Thank you so much for listening to this travel tip Tuesday, listening to the travel mug podcast. We're so happy that you were listening to us. As always, you can find us on our website, travel mug, podcast.com on the socials travel mug podcast. Um, Support the show by buying us a coffee, kind of like Patreon, but not Patreon. And you'll get fun. Blooper-y extra content things that I upload there and share the show with the travel loving pal.

And we'll talk. Why not? Again, real soon. Bye. Bye