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[Safety and Security
- Budget carefully!
- Prepare banking arrangements before
- Inform your bank and credit card company
that you will be traveling and what those dates of travel are. Your
credit card company, especially, as they may freeze your card if
they notice abnormal purchases away from your place of
- Check with your bank for information on
ATM services abroad.
- Your bank can advise if you need a new
personal identification number (PIN) for overseas access to your
- It may be easier to withdraw from a
cheqing account vs. “other” accounts
- Set up on-line banking if you may need to
transfer money from one account to the other – or check with
your bank on the best way to do this.
- Arrive with sufficient local currency -
ATMs are widely available but should be used during business hours,
inside a bank, supermarket, or large commercial
- Leave copies of your card cancellation
numbers with a family member in case of emergency.
- Traveller's cheques can be exchanged at
banks but are not usually accepted at retail outlets.
Credit cards will require the entry of a Personal Identification
Number (PIN). Although it is still possible to use a signature in
lieu of a PIN entry, some retailers may refuse to take payment by
this method because of the increased risk of fraud.
- Make other arrangements to obtain
additional funds if needed
- Taxation - Familiarize yourself with the
tax implications of your time abroad.
- Some countries impose a departure tax or
service fee at point of departure – set aside enough local
funds to pay this – see Country Travel Reports
- Customs: if you are away for more than 7
days, you may bring back goods worth up to $750 without paying
duties or taxes, but familiarize yourself with customs regulations
before you go and upon your reutrn.
- VAT (Value Added Tax) refund Retail
export scheme/premier tax free tax refund system – allows you
to reclaim the tax on some purchases – not all stores
participate, minimum purchase (varies by country), you have to fill
out a form in the store and keep receipts, only good for purchases
made 2-3 months before return to home country. (See printouts from
web for full info)
- Insurance - In addition to medical
insurance you may want to buy travel (cancellation) and personal
belongings insurance. Read the fine print. You’ll be
glad you read it all.