travel notice td bank

Please turn on JavaScript in your browser It appears your web browser is not using JavaScript. Without it, some pages won't work properly. Please adjust the settings in your browser to make sure JavaScript is turned on.

Do i need to notify a credit card company when traveling.

If you have planned travel coming up, alerting your credit card issuers about your vacation plans can help to ensure that your charges aren't declined when you arrive. Here's how you can prepare yourself and your credit card for your next trip.

What is a credit card travel notice?

A travel notice is an alert to your credit card issuer that you'll be going on a trip to a different location. By giving this notice in advance, you're letting your credit card company know that you may be making charges from a different state or country.

Why should you notify your credit card company  of travel?

Credit card companies check cardholders' accounts for any unusual or suspicious activity when a transaction occurs. If your company sees a charge from a location away from home, your issuer may think this is suspicious activity and decline the charge. If you're visiting a country or location where fraudulent charges occur more often, the chances of your credit card getting declined are higher when you don't alert your credit card issuer about your travel.

Do you need to notify your credit card  company?

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you. Check with your credit card issuer to see if they have travel notification capabilities.

Traveling outside your city

If you're traveling to an area not far from home, it's unlikely that any credit card charges will be declined, so setting a travel notification may not be a necessity.

Traveling outside your state

As you travel further from home, the chance of charges being declined is higher. If you're visiting another state, you can notify your credit card company that you're going away to avoid any hassles as you travel.

Traveling outside your country

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions. If you're in a different country you may have trouble with making an international call, an inconvenience that can prevent you from authorizing your charge and enjoying your trip.

Which credit cards require a travel notice?

Not all credit card companies recommend that you set a travel notice before you go away, including those with EMV chips that may provide added security when you travel. If your credit card doesn't have an EMV chip, you should contact your bank before you leave to make sure your trip goes smoothly.

Multiple credit cards

If you own multiple credit cards, you should set travel notifications for each of the cards you plan to use on vacation. Even if you plan to use one of the cards only in case of emergency, set a travel alert for it just in case.

Risks of not filing a credit card travel notice

If you don't give your credit card issuer a travel notice, the company won't know that you'll be making purchases in a new location. If the company starts to see charges on your credit card from a different state or country, it may flag these transactions as fraud. The credit card issuer may then put your account on hold and prevent you from making any purchases until you can authorize the charges.

Once a credit card is declined, the cardholder has to call the issuer or provide an app verification in order to prove that the purchase made was authorized. You may have difficulties contacting your bank for various reasons, such as if your vacation spot has bad cell service or if you didn't set up international calling for your phone plan. Notifying your credit card company before you leave on vacation will help you avoid this hassle.

How to notify your credit card company of travel

You can notify your credit card issuer about your vacation over the phone, online, through a mobile app or in person. You can also contact your credit card issuer to get a better understanding of how to set a travel notice.

Setting your travel notice online or through a mobile app

Setting your travel notification online or through an app can be easier than speaking with customer service, depending on your preferences. Log into your account on your credit card company's website or app and search for “travel notice" options. If you're unable to find where to set your travel notice, get in contact with your credit card issuer.

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system. If you have any questions or concerns about your travel notice, calling your credit card company is a good method to set the notification.

If you want to set your travel notice in person, go to your nearest branch to meet with a representative. Meeting face-to-face gives you the chance to ask any questions you might have.

Chase Sapphire is an official partner of the PGA Championship .

• card travel tips
• credit card benefits

What to read next

Rewards and benefits frequent flyer programs: a guide.

Frequent flyer programs offer a variety of perks. Learn more about what frequent flyer programs are and what to consider when choosing one.

rewards and benefits Are frequent flyer credit cards worth it?

Frequent flyer credit cards help frequent flyers earn and redeem points or miles towards the cost of their future travel plans. Learn more about their risks and rewards.

rewards and benefits Chase Sapphire Events at Miami Art Week

Learn about the exclusive events a Chase Sapphire Reserve cardmember can experience at Miami Art Week.

rewards and benefits How to choose a credit card to earn travel points

There are many things to consider when choosing a credit card with travel points - how travel points work, how to earn them, and so on. Learn more here.

• Customer Service
• En Español

Tips for Travelers

Save money with a little planning.

• Know what to expect for fees. 1 Usage, currency exchange, cash advance and non-TD ATM usage fees.
• Transfer funds to your primary checking account. Most foreign ATMs only allow you to withdraw cash from this account.
• Change your PIN before you leave, if necessary. Some foreign ATMs only accept 4-digit PINs.
• Cash: Get local currency before you leave for small purchases, like taxis and snacks
• Credit : For large purchases, like hotel and rentals
• Debit : For unexpected cash needs
• Call us at 1-888-751-9000 at least one week prior to travel to avoid a hold being placed on your account. For your protection, a block may still be placed if unusual activities or transactions occur. If this happens, please contact us immediately.
• Add our international number to your phone - +856-751-9000.
• To call collect from an international phone, call 215-569-0518 (will not work from U.S.-based mobile phones).
• Download the TD Bank mobile app.
• Photocopy your credit and debit cards.
• Carry cash just for incidentals and small purchases.
• Get travel and medical insurance.

Tips for Business Travelers

The world is your office.

• TD Business Visa ® Credit Card helps you track expenses
• TD Commercial Plus Card Call Treasury Management Services at 888-388-0408 to find out if this card better meets your business needs
• Trade, research and manage foreign transactions and exchanges TDFX
• Create letters of credit and drafts TD Bank Global Trade Finance
• Access history 24/7 International Payments

Tips for Canadian Snowbirds

Living in North America

• Get no-cost wire transfers 2 between your Canadian and U.S. TD accounts by calling 1-877-700-2913
• TD Canada Trust customers may add Borderless Plan to their U.S. Dollar account†
• Access your checking, savings, money market or home equity accounts
• Get a competitive exchange rate at the TD ATM
• Find a TD ATM near you
• Talk to the dedicated Cross-Border Banking Support Line 24/7 at 1-877-700-2913
• Open accounts in both the U.S. and Canada using your local address
• Visit a TD location near you to cash or deposit foreign drawn checks
• Log in to Online Banking
• Download the TD Bank Mobile Banking App
• Call LIVE Customer Service
• Log in to EasyWeb
• Download the TD Canada Trust Mobile Banking App
• Call EasyLine at 1-866-222-3456 (French: 1-800-895-4463)
• Keep copy of ATM and sales receipts Check against your account statement
• Sign up for Online Banking Look for exchange fees, overcharges and unauthorized transactions
• Check credit and debit card expiration date If expiring soon, get new cards before leaving
• Know who you can call Contact your tax professional for more information

Tips for Students studying overseas

Prepare for the extraordinary and the unexpected

• International Wires Receive cash from home directly to your account
• Open a TD checking account Deposits to your account can be made on your behalf
• TD Visa ® Debit Card Fees may apply for non-TD ATMs and/or outside North America
• TD Visa ® Credit Card For large purchases and emergencies
• Cross-Border Banking † Transfer money between your account in the U.S. and Canada at no cost
• Photocopy your credit and debit cards, plus your passport Leave copies with your parents
• Never carry more cash than you need for incidentals
• Learn local customs and travel with friends
• Learn the local language

Tips for moving to Canada

Must ♥ hockey

• Visit New To Canada †
• Cross-Border Banking † Call 877-700-2913 to wire money between your TD Bank and TD Canada Trust checking and savings accounts
• Register for EasyWeb †
• Download the TD Canada Trust Mobile Banking App †
• Call EasyLine at 866-222-3456 (French: 800-895-4463)
• Get to know your neighbors
• Meet your children's teachers and the other parents
• Join a church, temple or synagogue
• Visit your local library
• Pick a hockey team

Foreign Banking Tools

• Enroll in Online Banking
• Download the TD Bank mobile app
• Add our international number to your phone - +856-751-9000
• To call collect from an international phone, call 215-569-0518 (will not work from U.S.-based mobile phones)
• Cross-Border Banking
• Enroll in EasyWeb †
• Download the TD Canada Trust Mobile Banking app †
• Add our international number to your phone - +800-222-3456-1 (English), +800-233-2323-1 (French)
• Cross-Border Banking †
• Open accounts at TD Bank

1 See the fee schedule for complete details . Bank fee does not include the current exchange rate.

† By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

©2016 TD Bank, N.A. All Rights Reserved.

• Global Citizen
• Money Works
• Global Issues
• Getting Around
• WU Partners
• Regional News
• Europe & CIS
• Middle East & Africa
• Asia & Pacific

Why (and How) You Should Notify Your Bank Before Traveling

You’ve packed your suitcase, planned your itinerary, and checked into your flight. Surely you’ve done everything you need to prepare for your vacation, right?

There’s one small but crucial step that people often forget before traveling abroad: notifying the bank.

Notify your bank before using a credit or debit card when traveling

Banks do whatever they can to protect you from identity theft. But if you’re not careful, your bank’s eagerness could backfire when you travel. If they spot transactions in an unfamiliar location, your bank may assume your card is being used fraudulently and shut it off.

When you let your bank know that you’re going away, they add a record to your account and share it with their fraud detection system. This prevents your “abnormal” spending patterns from triggering a block on your card.

How to notify your bank of your travel plans

Every bank works a little differently. If you already use online banking, there’s likely an online travel notice where you can enter your destination and the length of your trip. If you’ve got multiple countries on your itinerary, you can specify that as well.

We’ve compiled a list of the online travel notification pages and resources for the top ten banks to make it easy for you:

If you don’t have online banking, call your bank to set up a travel alert on your account. You can also speak with a representative face-to-face in a branch.

Other financial precautions to keep in mind when you travel

Notifying your bank about your travel plans is not the only financial precaution you should take. You should always have copies of your important documents and information, like your bank’s 24-hour telephone and your account numbers. If possible, bring more than one credit or debit card with you and stash one in a safe space outside your wallet if your wallet is lost or stolen .

As with most things related to traveling and security, a little bit of effort goes a long way. Check out our latest tips on travel or sending and securing your money .

Send money with Western Union

Similar Blogs

How are currency exchange rates determined, what causes exchange rates to change, how often are exchange rates updated, protecting your finances: how to recognize and avoid tax scams.

• Customer Care
• Intellectual Property
• Terms & Conditions

Cookie Settings

How to Set a Travel Notice for Your Credit Cards

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

When I worked at a ski rental shop in Breckenridge, Colorado, I witnessed many international (and some out-of-state) customers’ credit cards get declined.

Not because their credit limits were too low or because they were purchasing too much — but because they failed to set up travel notifications with their card issuers.

So now, any time I travel to a foreign country, I always set up a travel notice on my credit card beforehand.

Since I travel with the Chase Sapphire Reserve® (Review), I create a Chase travel notice, but you can take this step with most major credit or debit cards. Here’s how.

What Is a Credit Card Travel Notice?

As a way to prevent fraud , your credit card issuer monitors your spending activity. If it notices a suspicious purchase — in an unusually large amount, or from a new location — it may decline the transaction. This could be more likely in countries where fraud is a bigger problem.

Which is why the answer to the question “Should I notify my credit card company when traveling?” is usually yes.

Although you can often get away with shopping in another state without triggering a red flag, international travel is another story. 

By notifying your credit card of your travel plans, you’ll reduce the chances of getting your transaction declined in the checkout line — which, trust me, is never fun — and having to call your card issuer to verify your purchases. It’s still possible to have your purchases declined after setting a travel notice, but it’s much less likely.

How to Set Up Travel Notices for 8 Major Credit Card Issuers

Ready to create your first travel alert? While you could call your card issuer, it’s easier to do it online.

Here’s how to set up travel notices with eight different credit card issuers.

When you visit MoneyTips, we want you to know that you can trust what’s in front of you. We are an authoritative source of accurate and relevant financial guidance. When MoneyTips content contains a link to partner or sponsor affiliated content, we’ll clearly indicate where that happens. Any opinions, analyses, reviews or recommendations expressed in our content are of the author alone, and have not been reviewed, approved or otherwise endorsed by the advertiser.

We make every effort to provide up-to-date information; however, we do not guarantee the accuracy of the information presented. Consumers should verify terms and conditions with the institution providing the products. Some articles may contain sponsored content, content about affiliated entities or content about clients in the network. While reasonable efforts are made to maintain accurate information, the information is presented without warranty.

Chase travel notice

Because of the company’s abundant travel perks and partnership with the Visa network — which is widely accepted worldwide — Chase cards are a favorite among globetrotters.

You can create Chase travel notifications up to a year in advance for credit cards, and up to 14 days for debit cards. Your travel dates can span an entire year — if you’re away for longer, you’ll simply have to adjust your dates once you’re on the road. Chase will have your request on file within 24 hours from the time you submit.

To set up Chase travel notifications, you’ll need to log in to your account and click on the credit card you plan to use. Under the “Things you can do” dropdown menu on the right, you’ll see the “Travel notification” option. That will take you to your “Profile & Settings” page, where you’ll be able to create a travel alert.

Insider tip

Depending on the type of Chase account you have, the process may be slightly different for you. In any case, just look for your “Profile & Settings” page, and then look for a button to set a travel notice.

Alternatively, if you’re already outside the country, you can call Chase collect at 1-302-594-8200 to alert the issuer of your travel plans.

Setting up a travel notice with the Chase bank app

After logging in to the Chase mobile app, tap the profile icon (this should appear as the outline of a person) and select “My settings.” Choose “Travel” within the settings menu and tap “Update” near any credit or debit card products you’ll be taking.

This will allow you to enter the details for your upcoming trip, which can be edited at a later time. Saving this information will successfully set up a travel notice.

Our favorite Chase travel card: While many Chase credit cards are adventure-ready, we’d recommend the Chase Sapphire Preferred® Card for new travelers. Not only does it earn 2X Chase Ultimate Rewards points per dollar on travel, but you’ll also get a great introductory bonus: 60,000 bonus points after spending $4,000 on purchases in the first 3 months. You’ll also earn 5X Ultimate Rewards points per dollar on Lyft rides and travel purchased through Chase Ultimate Rewards. You can transfer the points you earn to a variety of airline and hotel loyalty programs. The Sapphire Preferred has a $95 annual fee.

American Express travel notice

Surprise! You actually can’t create an Amex travel notice.

On its site, the issuer says it uses “industry-leading fraud detection capabilities” that help it recognize when you’re on the road, thereby eliminating the need to create an American Express travel notification.

The issuer does recommend you update your contact information, so it can reach you in case of any complications, and download the Amex app, so you can manage your account on the go.

Note that Amex credit cards aren’t as widely accepted across the globe. If you’re a frequent international traveler, we’d recommend looking for a card with a Visa or Mastercard logo instead because they’re accepted by most merchants.

Our favorite American Express travel card: For its $695 Rates & Fees annual fee, The Platinum Card® from American Express offers a slew of travel perks. They include extensive airport lounge access; 5X Membership Rewards points per dollar on eligible flights and hotels (starting 1/1/21, on up to $500,000 spent per calendar year); and up to $200 in Uber credits per year. Its introductory bonus is Earn 100,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu..

Capital One travel notice

As with Amex, there’s no need to set a travel notice for Capital One credit cards.

If you log in and click “Set Travel Notification,” you’ll be greeted by this window:

The issuer, long popular with international travelers for its lack of foreign transaction fees, says: “With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card.”

It notes Capital One will cover you with its $0 fraud liability policy, and will also be on the lookout for any suspicious activity.

Our favorite Capital One travel card: The Capital One Venture Rewards Credit Card is a fantastic, easy-to-use travel rewards card, offering 2X Venture miles per dollar on everything. The introductory bonus is 60,000 bonus miles for spending $3,000 in the first 3 months. It comes with a $95 annual fee.

Bank of America travel notice

Ready to travel with your Bank of America card? Log in to your account, and in the menu at the top right, you’ll see “Help & Support.”

Hover over those words, and a drop-down menu will appear. Click on “Set Travel Notice” — and voila! You’ll be able to add your travel dates and destinations, as well as extra details about your trip, like any planned layovers.

Setting a travel notice with Bank of America.

Bank of America cards allow you to set travel notices up to 60 days in advance, and they can last for up to 90 days. If you’ll be traveling longer than that you’ll need to adjust your travel notice later on.

Our favorite Bank of America travel credit card: If you don’t want to pay an annual fee, the Bank of America® Travel Rewards Credit Card might work for you. You’ll earn 3X points per dollar at the Bank of America travel center and 1.5X points on everything else. After you make $1,000 in purchases in the first 90 days, you’ll earn 25,000 points — enough for a $250 statement credit toward travel purchases.

Citi travel notice

If you have a Citi credit card, the first step is to log in to your account.

Then you should hover over the “Services” button in the menu, and then select “Travel Services.” Next you can select “Manage Travel Notices,” before selecting the card for which you want to set a notice. Unlike some other issuers, you’ll need to set a separate notice for each card you plan to travel with.

Citi advises making sure your contact information is up to date before traveling, and also to download the Citi Mobile App to more easily monitor your account.

Here’s what setting a Citi travel notice looks like:

Setting a travel notice with Citi.

Then, once you fill out your destination and dates and verify your info, you’ll be good to go!

Our favorite Citi travel credit card: The offers a generous 3X ThankYou points per dollar on air travel and at gas stations, restaurants, supermarkets, and hotels. You can earn None. There’s a None annual fee to pay for this card.

Discover travel notice

Although Discover credit cards aren’t the best for traveling internationally, as they aren’t accepted as widely as Visa or Mastercard, you should still set up a travel notice if you bring your Discover card overseas.

You can do this from your online account by selecting “Manage” at the top of your screen, then clicking “Manage Cards” and then “Register Travel.”

Setting a travel notice with Discover.

Our favorite Discover travel card: For a card with no annual fee, the Discover it® Miles isn’t a bad choice. You’ll get 1.5X miles per dollar spent on everything, with double your miles at the end of your first cardholder year.

PNC travel notice

If you have a PNC credit or debit card, the bank recommends you set up a travel notice, explaining: “You typically use your card at local merchants and online, but suddenly you’re buying tapas in Madrid or sushi in Tokyo. This unexpected activity is what triggers the alert. Although less likely, this kind of predicament also can happen when traveling domestically.”

To notify PNC, you can either call the financial institution at 1-888-PNC-BANK or set up an alert online. After logging in to your account, you’ll select: “Customer Service” –> “Account Services” –> “Debit/ATM Card Services” –> “Edit/View Preferences.”

Then, in the bottom right corner of your screen, you’ll see an option to “Notify PNC of Foreign Travel.” After filling it out with your dates, destinations, and phone number, you’ll be ready to go.

Recommended PNC travel credit card: Like the BofA card, the PNC Premier Traveler® Visa Signature® isn’t the best option out there — but it’s fine for PNC loyalists. It offers a 30,000-mile introductory bonus when you spend $3,000 in the first three billing cycles, and 2X miles per dollar spent on everything. Its $85 annual fee is waived the first year.

Wells Fargo travel notice

If you’d like to tell Wells Fargo of your travel plans, you can either call the number on the back of your card, use the bank’s mobile app, or log in to your online account.

If you choose the latter method, you’ll hover over the “Accounts” dropdown menu, then click on “Manage Cards” –> “Manage Travel Plans.” As with the other issuers, you’ll enter your dates and destinations before submitting.

Recommended Wells Fargo travel credit card:  There aren’t any Wells Fargo travel cards at the moment.

If you’d prefer a Visa card from Wells Fargo for traveling, consider the Wells Fargo Active Cash℠ Card . It offers 2% cash back on everything you buy, with a solid introductory bonus, but it also has a foreign transaction fee.

4 Things to Consider When Choosing a Travel Credit Card

If you’re looking for another piece of plastic to add to your wallet, here are four things to consider when choosing the best travel rewards credit card:

• Foreign transaction fees:  Some credit cards charge a 3% fee for making purchases in a foreign currency. If you plan to travel abroad, make sure your chosen card has no foreign transaction fees.
• Annual fees:  Many of the top-tier travel rewards credit cards have hefty annual fees. But before getting scared off, see if the card offers any credits or benifits that offset it. For example, while the Chase Sapphire Reserve® has a $550 annual fee, it also offers a $300 annual travel credit that applies toward flights, car rentals, and even Lyft rides.
• Rewards and perks:  One of the most compelling reasons to get a travel credit card is the opportunity to earn points and miles that you can exchange for free travel. So take a look at your potential card’s introductory bonus and earning ability. You should also read the fine print to learn all about its travel perks, which might include airport lounge access or travel insurance.
• Loyalty programs: The majority of hotel chains and airlines have co-branded cards that earn additional rewards when you spend money with them. So if you are loyal to a particular brand, it’s wise to consider the co-branded options. For hotel cards, examples include the IHG® Rewards Club Premier Credit Card, Marriott Bonvoy Boundless™ Credit Card, and The World of Hyatt Credit Card. For airline cards, you can choose from options like the United℠ Explorer Card or Southwest Rapid Rewards® Plus Credit Card.

Whichever card you choose, be sure to set a travel notice before you board your next train or cruise or flight — and then enjoy your vacation free of worries!

You don’t have to stick to “travel credit cards” just because you want to, you know, travel with your credit card. As long as you set up a travel notification when you go, you can use any card you’d like. So, in case they’re a better fit, here are links to the best cash back, balance transfer, and 0% intro APR credit cards.

Share Article

On This Page Jump to Close

You should also check out….

• Tour Account ›
• Travel Forum ›
• Travel Forum
• General Europe
• No more need to n...

No more need to notify banks about your travel plans (maybe)

I've received this notice from two different banks so far this year:

"You no longer need to notify us if you’re planning to use your credit card or debit card while travelling. No matter where you are, our fraud systems will monitor your account for suspicious and unauthorized transactions. Please keep your contact information up-to-date in the “My Profile” section of Online Banking in case we need to reach you."

So, at least in Canada, it appears we no longer need to notify our banks about travel plans to avoid having them refuse charges from overseas. Has anyone in the States received similar notices? Shall we stop giving new travellers advice to call their banks before leaving?

My cards have told me not to tell them about US travel but they're still taking my out of country travel info. I think I'll keep letting mine know for now - mostly because every time we use our US cards to pre-buy things....train tickets, plane tickets, hotel reservation, we inevitably have the cards "shut down" for fraud activity. I'd rather take care of that before I leave than try to do it on my cell phone while I'm traveling.

Most likely because our neighbors to the north use "smart cards" - chip and pin and down here were relegated to chip and scribble. DUMB! A few years ago, I lost three prime seats at the Formula 1 Grand Prix in Montreal because Amex decided it was a fraudulent purchase. Still trying to get seats as good.☹️ Most cc companies here still recommend notification of foreign travel.

Rather than a convenience, not having to notify them would make me feel less safe. In fact I'd like to do the reverse and ask them to block any charge that appears from outside the US, unless I notify them. That would be customer service.

As long as my bank/credit card company has a "travel notification" section online, I will fill it out. Annoyingly, Charles Schwab and Bank of America have a 30-day limit so I have to re-notify them just before the first notice expires. And the Schwab debit card DOES have a chip. Side note for Stan -- you CAN have some cards set up to alert you whenever there is a foreign transaction.

Unwise not to notify them. Lets say you don't take your main cell phone with you that is on record, but get one at your destination or a local SIM card. While the bank is trying to contact you at home or your cell & unable to, they decide to block any further purchases or withdrawals. Not good at all.

I noticed that trend last fall as I went through the list to notify my financial institutions. Several of them had recorded messages stating that notification was no longer required. However there were a few that still wanted the information, including travel dates and which countries I'd be visiting. When I go through the list this year, I'll make a note of which ones no longer want to be notified.

I might be wrong (it's happened before -- a lot) but "...no longer need to notify us..." is probably not for your convenience, but the bank's convenience. They'd rather suffer a small loss than hire enough people to really be able to have real customer service. So far as not being liable for fraudulent charges, that is, to me, a secondary consideration --- the pain in the anatomy aggravation of having a card blocked and having to get it unblocked while overseas is a much greater consideration. Continuing to notify them will not do any harm, and might just be good insurance since computerized systems don't always work as they should.

Continuing to notify them will not do any harm,

My last trip I had forgotten that Chase doesn't need travel plans anymore and sent them a message via their home banking site. They sent back an automated message reiterating the new policy, so I essentially spun my wheels .

Over the years I have had my cards blocked a few times despite notifying the banks in advance. It's never been a major hassle getting them unblocked. Took no more than five minutes via a collect call, customer service is available 24/7.

Regarding Chase--two months ago we were RVing the Phoenix area and Chase blocked our credit card--they said we had not notified them that we were traveling out of California--In less than two weeks we'll be in Italy, and we called Bank of American and Chase and our credit union; they all took the messege--It would not be much fun to arrive in Milan and find our card blocked at the ATM in the airport--that happened on a previous trip in 2006 by B of A, even through we had in person notified them about our European travel dates

I have notified Chase on several occasions prior to travelling to Europe and also told them I was also going to make some international on-line transactions (like purchasing rail tickets) using my Visa card before our travel dates. Yet, on several occasions over the past 5 years, I have had to call them a second time because VISA International blocked the transaction. So, apparently, the bank and Visa International don't necessarily communicate until the customer runs into a problem.

"In addition to the fact you should be using Project Fi or TMobile instead of messing with local sim cars"

I think it's important to point out that people don't have to be using T-Mobile or the very limited service offered by Project Fi in order to achieve the same results. Anyone roaming with their home cell network is also able to receive phone calls or E-mails from their financial institutions regardless of whether they're using AT&T, Verizon or in my case the Canadian networks. I know that as I've received calls from my credit union while I was travelling in Europe regarding "suspicious" activity on my account. Even if someone is only travelling with an iPad or Netbook for use in Wi-Fi areas, E-mail is still possible.

I do agree that "messing with local SIM cards" is not a good idea as each time the user changes cards, their phone number and terms of servcie change. That makes it very difficult for financial institutions or others to know how to contact them. It also forces the banks to make an international long distance call, which they may not be willing to do (easier just to "freeze" the account and wait for the customer to call them).

The only credit card I have that does not want international travel notification is American Express. They have been that way for several years now.

All of the others I have prominently display "International Travel Notification" links on their online banking web pages. That includes Chase, Bank of America, Capital One, and others. What may have been eliminated is notification for travel within the US (or your home country). I have never had cards where I had to let them know if I was traveling outside my home state but still within the US probably because I have always traveled a lot.

Until those web forms go away, I will continue to tell the issuers of whatever cards I decide to take with me that I will be traveling internationally. I will also continue to suggest that other travelers do the same.

"VISA International blocked the transaction"

Convenient excuse, isn't it? :-) Absolutely not true unless your bank was unavailable for approval when the transaction came through. Visa International just routes the transaction through the network from the merchant to your bank and back again. If your bank is unavailable for whatever reason (weekly computer reboot for example), the network has no choice but to decline. It is more likely that they forgot to enter the travel notice into their system, or it was still making its way through the bureaucracy, to be active.

While I notify BOA and Cap One when I travel to Europe, I've never bothered to notify Andrews FCU, and I've never had a rejected credit card transaction. Maybe it's because they cater to people who travel.

What I meant by the "very limited service" is that Project Fi only operates on a very few Android phone models. For the huge number of people using iPhones or other models, it's completely useless.

I don't remember "calling the combined coverage areas of the sprint and tmobile networks "limited". Whenever one travels overseas, mobile phone users are accessing the cellular networks of local network providers who operate the towers and other infrastructure in their respective areas (which is what you were doing when you were texting from the wilds of Ecuador). Project Fi is a "mobile virtual network operator" and it doesn't own or operate any cellular networks, but rather contracts to use those of Sprint or T-Mobile, or their roaming partners.

It might help for people to understand how banks detect fraud. There are 3 ways:

Geographically. The computer is set up to flag any transaction outside of a geographical area or from certain locations. International is a very common setting (ie: if a transaction originates outside your country of origin, it will be flagged). This is the main reason why most banks require notification of foreign travel. But is also easy for banks to adjust internally and explains why some banks no longer require notifications.

Algorithms. Your bank's computers have complicated algorithms on your spending habits. Make a purchase outside those parameters and it might be flagged. This explains why you might get a call or email after a purchase. It also is why the bank almost always will know your card has been stolen or copied before you do. These systems have gotten much more sophisticated in recent years and is why some banks are eliminating the travel notifications.

Reporting. If you or a merchant reports the card stolen or is being fraudulently used. This used to be the most common method many decades ago and why banks have a requirement that you notify them if your card has been lost or stolen or you could be on the hook for the charges. But method 2 has made this almost obsolete.

Every bank has its own policies and systems so just because one bank tells you no longer to notify them of travel doesn't mean another bank won't still require it. And even if you don't have to notify them (and sometimes even if you did notify them), the bank's computers may still flag a foreign purchase if it doesn't fit within the algorithm of your usage.

People should still make the effort to notify their banks of foreign travel and if it isn't required by their bank, they will be told. Some banks though may remove the notification from their webpage (one of my CC's doesn't have a website notification anymore). So our advice to travelers here should still be to notify their banks but that some may not require or accept it anymore.

While AmEx may no longer require notification of out of country travel, I still call and their customer service people seem happy to record my travel plans and dates. On the other hand PNC Visa's algorithms are for sh*t as far as our household is concerned. My husband purchases things over the Internet regularly, but their fraud protection people call him almost every time he makes an online purchase. And it's a fully automated call so he has to wade through the call handling system once for each purchase. He can't just tell a person that everything's OK and be done with it.

My biggest gripe is that I live in Detroit a 20 minute drive from the Canadian border. We drive from Detroit to Windsor for dinner, concerts, and shopping. Yet our bank can't deal with the fact that, to many of us, it's all one big metropolitan area. I have to call them every time I want to use a credit card across the river though, fortunately, my bank's ATM card always works just fine.

I just got a letter from AmEx explaining why they did not need notification. The gist of it being that they were monitoring purchases and could see planned travel. I infer that they meant that if you bought airplane tickets with your AmEx, they would know when and where you were going. Seems like that's a bit of a leap to me.

I'm planning a trip to France next month. The 2 banks and 1 credit union where I have cards have the online capability of informing them you plan to use your cards abroad -- so I assume this is still of some value to them. I will continue to inform them as long as they allow me to.

I haven't heard anything like this from my credit union and I'll continue to notify them indefinitely, not only about international trips but also domestic ones.

We were in London in October and my sister notified US Bank before she left, that she'd be using her debit card in London. When she arrived, she tried to withdraw cash from 3 different ATMs but each transaction was denied. When she called the bank, she found out they hadn't received notice of her trip. Whoever she talked to forgot to note it in her account. After the phone call, she tried another withdrawal but that was denied, so she had to call the bank a second time. Finally, after that call, she was able to use her card. Apparently in some cases it's worth calling not just once, but perhaps twice!

If you notify them online, some banks will send a confirmation notice (I printed it out, but not sure what good it will do if some human intervention is required and the human ... forgot.)

We continue to notify our credit card issuers (especially Chase), and have even found cases where we told them about future travel, and on a subsequent call (but before leaving the USA) they indicated they didn't have that prior information in their records! We've even had a few cases where making a purchase from home (like for tickets to the Tattoo in Edinburgh), the transaction was questioned, and we had to contact Verified by VISA to confirm our purchase before they'd let it go through. It must be simpler/safer in Alberta and Canada?

" It must be simpler/safer in Alberta and Canada?"

That's certainly possible. I rarely have any problems of the type you mentioned when notifying my financial institutions. One call and it's done!

Further to my post above -- if you notify a card issuer and there is a problem with your account, they WILL get back to you. I gave Schwab a detailed list of countries and got an email back that they could not process my request; turns out that when I pulled the card out of my money belt, where it lives next to my passport between trips, I mis-read the expiration year and the card had already expired. NOT what you want to learn a week before a major trip! FedEx will be delivering the reissued card the day before we leave. (Note to self -- test the card well in advance of departure date.)

I think the algorithms used must be pretty sophisticated. I have had apartment deposits, admissions, and train tickets that charged for future Europe travel on cards I hardly use, not the one I used to book the airline tickets, but the charges go thru without any prior notification. Yet the guy I sit next to at work gets called for DOMESTIC fraud abuse pretty much as soon as it happens. How do they know that a New York charge is bad for him, but an Italy charge is good for me?

Because they know everything about you, and the algorithms reflect that. They know that you're reading the Rick Steves site, and that you look at Italy more often. The fraud alert kicks in if you book a non-RS hotel! Or if you order a 35" suitcase.

I had to jump thru hoops like Sarah's sister did when I went to London last year. I had gone in to notify my small credit union because I know UK is on their fraud list because one time, long ago and far away, someone committed fraud there. I discussed this with the teller, she did the extra step necessary to take care of it. I got to London and tried my card (Labor Day here in US) and it didn't work. Tried it again later in the day at another ATM/cashpoint. No dice. Tried it again Tuesday AM, and it didn't work. Fortunately there is a place on the form to designate someone to act for you and I had filled that out. I notified my brother via email and he called the bank, sure enough someone had forgotten. It was available within the hour. So my plan for this year is to again go in 2 weeks before my trip for the travel notification. Go in again the week before and make sure the paperwork has been processed AND have my brother on the account again so he can take care of things if needed. Plus I brought home a wad of £'s and €'s to get me started!

My Chase card still has a travel notification section online as well. As someone else said upthread, it does irk me that you can only put in a travel notification for 30 days.

Was in my bank today, the TD bank. Helped my dd set up an account just for her trip. I asked about the " no need to notify" and the account rep told me " thats what they say, but i still let them know, phone number on back of cards" .

I was booking travel in Europe yesterday and one of my chase cards kept getting rejected. The first time I got a text asking if it was me trying to charge. The second one I didn't. I called Chase and they didn't know why it was rejected.

The strange thing, I tried a different Chase card to book these things and it wen't through without a problem.

The first person I spoke to took all my travel info and put that on all my Chase cards. I'm going to double check before I leave.

This topic has been automatically closed due to a period of inactivity.

• Small Business
• Investing & Wealth

TD Alerts lets you customize your notifications to fit your daily banking needs—like staying on top of your everyday spending and helping to keep your accounts secure. Set up personalized alerts for your debit card, checking account, savings account, credit cards and small business account .

Money's personal. Staying on top of it should be, too

Set up TD Alerts in Online Banking and the TD Bank app so you can: 

• Stay in the know Track your balance and manage transactions in the moment so you always know what to expect when it comes to your accounts and cards
• Defend against fraud Bank with confidence knowing fraud alerts are always on for your TD Debit or Credit Card. See how TD helps keep your accounts secure
• Plan ahead Hit your financial goals by monitoring account activity and utilizing balance alerts

Set up alerts for your TD accounts

Conveniently set up alerts for your accounts using your TD Bank app or in Online Banking.

• Log in to the TD Bank app
• Log in to Online Banking 

TD Alerts puts you in control

Staying informed with customizable alerts can help you know when to take action to help keep your TD accounts and cards secure.

Temporarily lock your TD debit or credit cards while you research the charge

Report a debit or credit card lost or stolen 

Transfer money between accounts to avoid overdraft fees

Report fraud

TD Alerts when and where you want them

TD Bank offers customizable alert types for all your accounts and cards providing relevant information when you need it, delivered how you want it. 

Checking & Savings Account

Get notified in the moment when your checking or savings account balance is above or below your selected dollar amount. With customizable alerts, managing your money has never been easier.

Low balance alerts keep you informed. You can take action when needed to:

• Transfer money, deposit a check or reduce spending
• Track your balance when multiple people use the same account

High balance alerts keep you in the know so you can:

• Stay on track with your financial goals
• Earn more by transferring money to a higher interest account

Overdraft alerts send you notifications to:

• Alert you when your account is overdrawn
• Help you prevent overdraft fees

Direct deposit alerts 1 notify you when your funds are available so you can: 

• Do more with your money sooner, like get a jump start on bills and access your funds when you need them most
• You will also be notified if your deposit comes early with TD Early Pay 2

Want more help setting up alerts?

• Our digital tutorials can help guide you step-by-step. Set up alerts in the TD Bank app

Easily track your spending and keep your accounts secure by enrolling in TD Alerts for your TD Bank Debit Card. In the moment alerts allow you to customize your preferences and always be in the know. Available alerts are:

• Online or phone transaction
• Transaction threshold
• Declined transaction
• Gas station transaction
• International transaction
• ATM withdrawal

Our digital tutorials can help guide you step-by-step 

• Set up alerts in the TD Bank app
• Set up alerts in Online Banking 

Credit Card

With sixteen different alerts and the ability to receive them as SMS notifications, e-mail updates or both, you can spend confidently while closely monitoring your card activity. Available alerts include: 

• Purchase amount
• Payment due
• Internet purchase
• Payment processing
• Declined authorization

See the full list of available alerts and start customizing your preferences now in your TD Bank app or in Online Banking

Set up all your alerts in the TD Bank app or Online Banking .

Don't have a TD Checking account?

Find an account that meets your needs and your budget with the perks you want and open an account online in minutes.

Important Disclosures

1 TD receives the information for your direct deposit at various times throughout the day. Based on the time we receive it and circumstances beyond our control, we may not be able to alert you.

2 For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening. 

If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA) . Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

Have a question? Find answers here

Popular questions, helpful related questions, did you find what you were looking for.

Sorry this didn't help. Would you leave us a comment about your search?

See you in a bit

You are now leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

With so much to do, how do you keep an eye on your money all the time? It’s simple. Let TD Alerts do it for you! TD Alerts sends you notifications promptly by text, email, or via your mobile app when you shop online, cross a threshold, or when you need payment reminders. You simply choose a TD account….  Select one or more alerts … And customize options like spending thresholds. Modify your alerts any time you like. If you get an alert, you go to the TD Bank app or Online Banking to check details safely and securely. For peace of mind, set up TD Alerts now!

• Travel Insurance
• TD Bank Travel Insurance Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TD Bank Travel Insurance Review 2024

Updated: Feb 28, 2024, 7:37am

The travel insurance offered by TD Bank is affordable—but it offers bare bones coverage. This insurance might work best as a supplement to a TD travel credit card , which offers additional protection such as more generous coverage limits, travel accident insurance and delayed and lost baggage insurance . Travellers looking for more comprehensive protection might want to check out the standalone plans offered by TD Insurance, also part of the TD Bank Group.

• Affordable emergency medical coverage
• Couple and family coverage available
• Lower coverage levels than other plans
• Medical questionnaire required at age 60
• No baggage coverage or accident/flight insurance

Table of Contents

About td bank travel insurance, what travel insurance does td bank offer, td bank travel insurance plans, summary: plan comparison, td bank travel insurance cost, comparing td bank travel insurance with other insurers, optional add-ons for td bank travel insurance, does td bank travel insurance offer any discounts, does td bank travel insurance offer annual multi-trip plans, td bank travel insurance 24/7 travel assistance, does td bank travel insurance have cancel for any reason (cfar), does td bank travel insurance have interruption for any reason (ifar), td bank travel insurance and pre-existing medical conditions, td bank travel insurance exclusions, td bank travel insurance eligibility, how to file a claim with td bank travel insurance.

Toronto-Dominion Bank, or TD Bank, is one of the Big Six banks of Canada. The travel insurance policy offerings by TD Bank are stripped down versions of the more comprehensive insurance offered by TD Insurance. The travel insurance offered by TD Bank is only available to clients of the bank.

TD Travel Medical Insurance is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes).

Here are the key types of travel insurance coverage offered by TD Bank:

• Emergency medical insurance: If you get ill or are injured on your trip, travel medical insurance can pay for emergency medical expenses, up to the coverage limits in your plan. These expenses can include doctor and hospital bills, medication and lab work.
• Trip cancellation insurance: If you cancel a trip for a reason listed in your travel policy before departure, trip cancellation insurance can reimburse you for prepaid, non-refundable costs. Some of the covered causes include if you or your travelling companion gets sick, your airline goes on strike or you lose your job.
• Travel interruption insurance: Trip interruption insurance, which kicks in after you leave home, can pay for a last-minute flight home in an emergency and money that you lose by cutting a trip short, such as non-refundable activities and hotel stays. It may also cover expenses if your return is delayed to a medical emergency or if your flight is cancelled due to weather, an accident or your plane’s mechanical failure.

TD Bank offers two insurance plans for trips outside of Canada: Travel Medical insurance and Trip Cancellation and Trip Interruption insurance. You can select single coverage, couple coverage (if you are under age 65) and family coverage.

Travel Medical: This coverage offers financial protection if you are injured or become ill while travelling outside of Canada.

Emergency medical treatment includes:

• Hospital accommodation
• Physicians’ fees
• Private duty nursing up to $5,000
• Diagnostic services (if approved in advance) including MRI, CAT scan, sonogram, ultrasound or any invasive diagnostic procedures, including angioplasty
• Ambulance (ground and air)
• Professional fees for treatment by a chiropractor, physiotherapist, chiropodist, podiatrist, osteopath. (up to $300 per profession)
• Medical appliances including casts, splints, trusses, braces, crutches or the rental of a wheelchair
• Prescription drugs
• Emergency dental treatment due to a blow to the face (up to $2,000)
• Emergency dental treatment due to illness, excluding roots canals or damage to dentures (maximum $200)
• Hospital allowance for long distance calls, TV rental when hospitalized for at least 48 hours (up to $50 per day to a maximum of $500)

Trip Cancellation and Trip Interruption: Trip cancellation offers financial protection if unexpected events happen before you leave on your trip and you have to cancel your plans. Trip interruption kicks in once you’re on your trip and covers interruptions due to medical emergencies, a change in travel advisories or delays in return due to weather or cancelled flights due to mechanical issues, for example.

Related: Should You Buy Travel Insurance And Is It Worth It?

We’ve highlighted key benefits of TD Bank travel insurance to help you identify which plan is the best fit for you. You can select one or both coverage options.

The price of a TD Bank travel insurance plan depends on factors such as the cost of your trip, your age and the amount of coverage you choose.

Here are some examples of the cost for TD Bank travel insurance single trip plans for healthy travellers based in Ontario.

• AMA Travel Insurance

Emergency medical: $5 million Cancel For Any Reason: Yes, 50% within three hours Baggage insurance (maximum): $1,500

Related: AMA Travel Insurance Review

Manulife Financial

Emergency medical: $10 million Cancel For Any Reason: No Baggage insurance (maximum): $1,000

Related: Manulife Financial CoverMe Travel Insurance Review

Emergency medical: $5 million Cancel For Any Reason: No Baggage insurance (maximum): $1,500

Related: Blue Cross Travel Insurance Review

TD Bank does not offer any optional riders or add-ons.

Yes. You can save money by buying multi-trip insurance if you travel more than once a year for multiple individual trips. TD Bank’s Annual Plan offers emergency medical coverage for trips of nine, 17, 30 or 60 days. Trip Cancellation and Trip Interruption must be purchased separately.

Here’s how the prices between single trip and multi-trip insurance compare:

Emergency assistance is available 24/7, 365 days of the year via TD Bank’s partner Global Excel Management. When you call you’ll need to provide your name, policy number, your location and the nature of your emergency.

If you don’t contact Global Excel before receiving medical treatment, you may be limited to reimbursement of 80% of eligible medical expenses, to a maximum of $30,000.

TD Bank travel insurance will not pay for expenses that arise from a pre-existing medical condition that is not stable at the time you leave for your trip. For a condition to be considered stable, all of the following conditions must be met:

• There has not been any new treatment prescribed or recommended, or changes to any existing treatment (including a stoppage in treatment).
• There has not been any change to any existing prescribed drug (including an increase, decrease or stoppage to the dosage) or any recommendation of starting a new prescription drug.
• The condition has not become worse.
• There have not been any new, more frequent for more severe symptoms.
• There has been no hospitalization or referral to a specialist.
• There have not been any tests, investigation or treatment recommended but not yet completed, nor any outstanding test results.
• There is no planned or pending treatment.

The time period within which your medical condition must be stable depends on your age. For example:

For travellers under age 59 and travellers age 60 to 64 for a covered trip of 29 days or less, TD Bank will not pay any claims due to your medical condition or related condition (whether a diagnosis has been made) that is not stable in the 90 days before your departure date.

For travellers aged 60 to 64 for a covered trip of 30 days or longer,  your condition must be stable for 90 days before your departure date, and you will be assigned to either rate category A or B and charged a higher premium.

For travellers aged 65 and older for all covered trip durations, your condition must be stable for 180 days before your departure date, and you will be assigned to either rate category C, D or E and charged a higher premium.

There are a number of scenarios not covered by travel insurance and it’s critical to know what not to do before you make a claim only to be told you’re on the hook for all associated costs. The following are some of the most common issues not covered by TD Bank travel insurance:

• A claim against a pre-existing medical condition that is not stable
• Non-compliance to prescribed medical treatment
• Abuse of alcohol, drugs or intoxicants
• Sports and high-risk activities, including scuba diving outside the limits of your certification, parasailing and any extreme sport or activity involving a high level of risk, including bungee jumping, cave exploration or skydiving
• A child born during the covered trip
• Claims related to pregnancy, delivery or complications of either
• Intentional self-inflicted injury
• A claim related to an illegal act
• Any loss resulting from an act of terrorism, war or civil unrest
• Travelling against medical advice or not following medical advice in regards to treatment
• A travel visa not issued in time due to a late application
• Non-emergency, experimental or elective treatment, including cosmetic surgery, chronic care and rehabilitation

Travellers over the age of 65 must complete a health questionnaire. If you respond yes to certain conditions or situations, you will be considered ineligible for any coverage under a policy with TD Bank. Some of those conditions include:

• You have been diagnosed with a terminal illness or metastic cancer.
• You have been advised by a physician not to travel.
• You require ongoing dialysis.
• Over 10 years ago you had surgery for heart bypass, valve replacement or angioplasty
• In the last 12 months you’ve been hospitalized for a heart condition or been prescribed oxygen for a lung condition.
• In the last six months you’ve had a stroke or transient ischemic attack.
• You require assistance with activities of daily living (bathing, toileting, etc.).

In addition, you can apply for this coverage if you:

• Are at least 18 years old on the effective date of your coverage
• Are a resident of Canada
• Are a TD Bank Group customer or the spouse or dependent child of a TD Bank Group customer
• Are in Canada when you buy the coverage
• Purchase coverage for the full duration of your trip

For medical coverage, you also need to be:

• Under 60 years old and purchasing coverage within 240 days before your effective date
• Are covered under a valid provincial or territorial health care plan

You can submit a claim online via the TD Bank travel insurance website. There you can start your claim, upload your required documents and track your claim status.

You will also need to provide documentation to substantiate your claim, such as:

• Original itemized receipts from all bills and invoices
• Proof of travel
• Medical records included complete diagnosis by the attending physician or documentation by the hospital that the treatment was medically necessary
• Proof of the accident if you are submitting a claim for dental expenses
• Your historical medical records
• Written evidence of the covered caused of cancellation, interruption or delay
• Original unused travel tickets and vouchers

You must report your claim and provide supporting documentation no later than one year after the date of the incident to be eligible for reimbursement.

TD Travel Bank Travel Insurance (FAQs)

Does td bank travel insurance pay for medical costs upfront.

Yes, in most cases claims partner Global Excel will pay hospitals, physicians and other medical providers directly and “manage the medical emergency from the initial report through to its conclusion.” However, the insurer notes that if a direct payment cannot be arranged, you may be asked to pay for services and then submit a claim for reimbursement.

Does TD Bank travel insurance offer coverage extensions?

Yes. Your coverage is automatically extended for 72 hours starting on the final day of your trip due to carrier delays. If you are hospitalized, your coverage is automatically extended for 72 hours beyond the end of your medical emergency. You can also request an extension if you want to stay longer provided you apply before the expiry date of your policy and you haven’t made any claims or you’re not currently seeking treatment.

Does TD Bank travel insurance require a medical questionnaire?

Yes. Travellers over age 65 (or between 60 and 64 or travelling for over 30 days) must complete a health questionnaire that asks you to select any conditions that apply such as: I have been advised by a physician not to travel at this time, I require assistance with activities of daily living, I have been diagnosed with metastatic cancer or a terminal illness, require on-going dialysis, for example. You will also be asked questions regarding your health history for issues such as cancer, digestive tract disease, liver or kidney disease, dementia or Alzheimer’s disease, as well as if you’ve been a smoker (tobacco, nicotine or marijuana) and if you’ve had a medical checkup in the last 18 months. Your answers to these questions will either deem you ineligible for coverage or assign you a higher premium rate.

Does TD Bank travel insurance have any age restrictions?

There is no noted maximum age for coverage but there are restrictions based on your age. For example, travellers over age 65 can not apply for couples coverage.

When does my coverage with TD Bank travel insurance begin?

If you purchase cancellation coverage, it begins the day you buy your policy and ends the day when you make a claim or leave on your trip. Your interruption and delay coverage, as well as your emergency medical coverage, begins when you leave home.

Can I get a refund with TD Bank travel insurance?

The single trip medical plan is fully refundable if you cancel before the effective date, which is your scheduled departure date. Partial prorated refunds are possible as long as there is no claim made on the policy. All requests must be made in writing or by phone.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

• Goose Travel Insurance Review
• CAA Travel Insurance Review 2023
• TuGo Travel Insurance Review
• Blue Cross Travel Insurance
• Manulife Financial CoverMe Travel Insurance
• World Nomads Travel Insurance Review
• Medipac Travel Insurance Review
• RBC Insurance Travel Insurance
• TD Insurance Travel Insurance Review
• Johnson MEDOC Travel Insurance
• Allianz Global Assistance Travel Insurance
• CUMIS Travel Insurance Review
• GMS Travel Insurance Review
• CIBC Travel Insurance Review
• BMO Travel Insurance Review
• Desjardins Travel Insurance Review
• Travelance Travel Insurance
• Scotia Travel Insurance Review
• How To Get Pre-Existing Conditions Covered By Travel Insurance
• Should You Buy Travel Insurance And Is It Worth It?
• Why Travel Medical Insurance Is Essential

Do I Need Travel Insurance When Travelling Within Canada?

• Trip Cancellation Travel Insurance
• How To Get Reimbursement For A Travel Insurance Claim
• Do Canadian Travellers Need Schengen Visa Insurance?
• How Travel Insurance Works For Baggage
• How To Travel To The U.S. From Canada
• Do You Need Annual Multi-Trip Travel Insurance?
• Travel Insurance For Trips To Europe
• What Travel Insurance Does Not Cover
• Top 10 Travel Insurance Tips For 2023
• Travel Insurance For A Mexico Vacation
• How To Read The Fine Print Of Your Travel Insurance Policy
• 5 Top Tips For Handling Flight Cancellations Like A Pro
• What Does Travel Delay Insurance Cover?
• Advantages Of Buying Travel Insurance Early
• Travel Insurance For U.K. Trips
• Travel Insurance For Trips To Italy

More from  

$10 etias travel pass for europe visits pushed to 2025, what’s the purpose of an etias travel authorization, bcaa travel insurance review 2024, pacific blue cross travel insurance review 2024, cumis travel insurance review 2024.

• ABM Locator
• Savings Account
• Tax-Free Savings Account
• Retirement Savings Account
• Retirement Income Fund Savings Account
• US$ Savings Account
• Children’s Savings Account
• View All Savings Accounts
• Looking for Guaranteed Investments (GICs)?
• No-Fee Daily Chequing Account

Credit Cards

• World Mastercard®
• Money-Back Credit Card
• Compare Credit Cards
• Guaranteed Investment (GICs)
• Mutual Fund Investments
• Tax-Free Savings Account (TFSA)
• Retirement Savings Plan (RSP)
• Retirement Income Fund (RIF)
• Non-Registered Investment
• Home Equity Line of Credit
• Line of Credit
• View All Borrowing Options
• Learning Centre | The Juice
• Money Management Tools
• Help Centre
• Business Savings Account
• US$ Business Savings Account
• Business Guaranteed Investment
• US$ Business Guaranteed Investment
• Learning Centre - The Juice
• Retirement Savings Account (RSP)
• Retirement Income Fund Savings Account (RIF)
• View All Borrowing Solutions
• Learning Centre
• Money-back Credit Card
• Guaranteed Investments (GIC)
• US$ Guaranteed Investments (GIC)

How to protect your money when you travel

August 11, 2023

Written by Barry Choi

Written by Barry Choi

Key takeaways

Be cautious of any calls or websites offering free or deeply discounted travel deals.

Keep the contents of your travel wallet to a minimum.

Never travel out of country without having a travel medical policy in place.

Article content

• Things to do before you take off

Get your cards ready for travel

Beware of your surroundings, the final word.

Yet when something goes wrong, it can also be a nerve-racking experience. When we travel it's easy to let our guards down, making tourists an easy target for thieves and pickpockets. There's no worse feeling than having your finances compromised when you're away from home.

Follow these tips, and your money will be better protected wherever you travel.

Things to do before you take off 

Beware of deals: Some travel scams happen before you even depart. Be cautious of any calls or websites offering free or deeply discounted travel deals. It's recommended to only book with reputable sites or through a professional travel agent. Remember, if a deal looks too good to be true, it probably is.

Empty your wallet : When travelling, it's best to keep the contents of your wallet to a minimum. I suggest just one credit card, your debit card, a single piece of ID, and a little bit of cash. There's no need to carry non-essential cards, or items such as your Social Insurance Number or birth certificate.

Get travel insurance: The cost of medical attention outside Canada can be expensive, so never travel out of country without having a travel medical policy in place. Fortunately many employers and credit card providers offer a comprehensive package as a standard benefit , but you'll want to read the details of the policy. If you're not covered, you can purchase your own policy which is usually reasonably priced.

Make copies of your documents: You'll want to write down or take photos of all your important documents, including your passport, travel itinerary, insurance policies and the contact numbers for your debit and credit card providers. Email this information to someone you trust and yourself so you have everything available in case of an emergency. 

Inform your debit and credit card providers: Thanks to increased security measures with debit and credit cards, the major banks no longer require you to alert them of your travel plans. However, if your credit card is issued by a different provider, it's still a good idea to let them know that you'll be away so your cards don't get blocked.

Bring an extra credit card: It's always a smart move to bring another credit card just in case your main one gets lost or stolen. Keep that secondary card somewhere secure, such as in your hotel safe. Never carry both of your credit cards in your wallet at the same time.

When to use it: While travelling, your credit card's built-in benefits, such as extended warranty and purchase protection, can offer additional peace of mind.  

Watch out for suspicious ABMs: Check with your bank about any partner ABM networks that you can use while travelling. You can also check with VISA and Mastercard for their partner ABMs. You'll want to avoid individual machines, which may not be as secure or may charge you a higher exchange rate. Don't forget to always cover the keypad when entering your PIN. 

Look up common scams: In many places around the world, there are some common scams you should look out for. Broken taxi meters, “free" religious items or bracelets, and spills on your clothing are just a few ways scammers try to get at your money. Always research local scams before you depart.

Keep an eye on your valuables: Pickpockets lurk in many major cities, so don't make yourself an easy target. Never leave your bag unattended, not even for a second. Whenever you're on public transportation or in a crowded space, keep your valuables close. 

No matter how prepared you are, there's still a chance that you may become a victim. Just prepare as best you can and don't let thieves ruin your travels.

Travelling can be a thrilling experience — whether you're venturing abroad or into your own backyard, there's nothing more exciting than exploring someplace new. 

Things to do before you take off 

Make copies of your documents: You'll want to write down or take photos of all your important documents, including your passport, travel itinerary, insurance policies and the contact numbers for your debit and credit card providers. Email this information to someone you trust and yourself so you have everything available in case of an emergency. 

When to use it: While travelling, your credit card's built-in benefits, such as extended warranty and purchase protection, can offer additional peace of mind.  

Watch out for suspicious ABMs: Check with your bank about any partner ABM networks that you can use while travelling. You can also check with VISA and Mastercard for their partner ABMs. You'll want to avoid individual machines, which may not be as secure or may charge you a higher exchange rate. Don't forget to always cover the keypad when entering your PIN. 

Look up common scams: In many places around the world, there are some common scams you should look out for. Broken taxi meters, “free" religious items or bracelets, and spills on your clothing are just a few ways scammers try to get at your money. Always research local scams before you depart.

Keep an eye on your valuables: Pickpockets lurk in many major cities, so don't make yourself an easy target. Never leave your bag unattended, not even for a second. Whenever you're on public transportation or in a crowded space, keep your valuables close. 

If you liked it, why not share?

Legal stuff.

This article or video (the “Content”), as applicable, is provided by independent third parties that are not affiliated with Tangerine Bank or any of its affiliates. Tangerine Bank and its affiliates neither endorse or approve nor are liable for any third party Content, or investment or financial loss arising from any use of such Content.

The Content is provided for general information and educational purposes only, is not intended to be relied upon as, or provide, personal financial, tax or investment advice and does not take into account the specific objectives, personal, financial, legal or tax situation, or particular circumstances and needs of any specific person. No information contained in the Content constitutes, or should be construed as, a recommendation, offer or solicitation by Tangerine to buy, hold or sell any security, financial product or instrument discussed therein or to follow any particular investment or financial strategy. In making your financial and investment decisions, you will consult with and rely upon your own advisors and will seek your own professional advice regarding the appropriateness of implementing strategies before taking action. Any information, data, opinions, views, advice, recommendations or other content provided by any third party are solely those of such third party and not of Tangerine Bank or its affiliates, and Tangerine Bank and its affiliates accept no liability in respect thereof and do not guarantee the accuracy or reliability of any information in the third party Content. Any information contained in the Content, including information related to interest rates, market conditions, tax rules, and other investment factors, is subject to change without notice, and neither Tangerine Bank nor its affiliates are responsible for updating this information.

Tangerine Investment Funds are managed by 1832 Asset Management L.P. and are only available by opening an Investment Fund Account with Tangerine Investment Funds Limited. These firms are wholly owned subsidiaries of The Bank of Nova Scotia. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

This article or video (the “Content”), as applicable, is provided by independent third parties that are not affiliated with Tangerine Bank or any of its affiliates. Tangerine Bank and its affiliates neither endorse or approve nor are liable for any third party Content, or investment or financial loss arising from any use of such Content.

The Content is provided for general information and educational purposes only, is not intended to be relied upon as, or provide, personal financial, tax or investment advice and does not take into account the specific objectives, personal, financial, legal or tax situation, or particular circumstances and needs of any specific person. No information contained in the Content constitutes, or should be construed as, a recommendation, offer or solicitation by Tangerine to buy, hold or sell any security, financial product or instrument discussed therein or to follow any particular investment or financial strategy. In making your financial and investment decisions, you will consult with and rely upon your own advisors and will seek your own professional advice regarding the appropriateness of implementing strategies before taking action. Any information, data, opinions, views, advice, recommendations or other content provided by any third party are solely those of such third party and not of Tangerine Bank or its affiliates, and Tangerine Bank and its affiliates accept no liability in respect thereof and do not guarantee the accuracy or reliability of any information in the third party Content. Any information contained in the Content, including information related to interest rates, market conditions, tax rules, and other investment factors, is subject to change without notice, and neither Tangerine Bank nor its affiliates are responsible for updating this information.

Tangerine Investment Funds are managed by 1832 Asset Management L.P. and are only available by opening an Investment Fund Account with Tangerine Investment Funds Limited. These firms are wholly owned subsidiaries of The Bank of Nova Scotia. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

• ATM locations
• ATM locator

Estás ingresando al nuevo sitio web de U.S. Bank en español.

Knowledge base, how do i add, edit, or delete a travel notification on my card.

If you're traveling anywhere within the United States, there's no need to let us know. We'll continue to monitor your account for fraudulent activity. 

If you're traveling internationally and expect to make charges, let us know ahead of time through digital banking. You can:

• Add the notification(s) as much as 90 days before your travel date.
• Edit or delete notifications as many times as you'd like.
• Add multiple trips or destinations, as long as the dates for each don't overlap.

Letting us know you're traveling internationally will helps us protect you against potentially fraudulent activity.

How to add travel notifications using Online banking

• Choose an account from your dashboard then select the Account services tab. 
• Select Travel notifications from under Alerts & notifications .
• Choose  Add a trip  or if there's a previously entered notification you want to modify, select  Edit trip  or  Delete trip.
• Enter another country, then choose Add to include up to five destinations. 

How to add travel notifications using the U.S. Bank Mobile App

• Open the main menu then select  Manage cards.
• Select the card you'll be traveling with, then  Travel notification.
• Select  Add trip,  or if there's a previously entered notification you want to modify, select  Update trip  or  Delete trip.
• Select + Add destination to up to five countries.  

More information

If you have any questions, please call us. We accept relay calls. 

• Debit cards: 800-USBANKS (872-2657)
• Consumer credit cards: 800-285-8585
• Business credit cards: 866-485-4545

Please be aware transactions in the following countries cannot be approved due to current sanctions:

• North Korea
• Burma (Myanmar)

To freely explore our digital banking services without using your own account, visit our  Digital Banking Simulators  page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our  Digital Explorer  page.

• Find a Branch
• Schwab Brokerage 800-435-4000
• Schwab Password Reset 800-780-2755
• Schwab Bank 888-403-9000
• Schwab Intelligent Portfolios® 855-694-5208
• Schwab Trading Services 888-245-6864
• Workplace Retirement Plans 800-724-7526

... More ways to contact Schwab

  Chat

• Schwab International
• Schwab Advisor Services™
• Schwab Intelligent Portfolios®
• Schwab Alliance
• Schwab Charitable™
• Retirement Plan Center
• Equity Awards Center®
• Learning Quest® 529
• Mortgage & HELOC
• Charles Schwab Investment Management (CSIM)
• Portfolio Management Services
• Open an Account

How to set up a travel notice on Schwab Mobile

Transcript of the video:

Upbeat music plays throughout

Video intro plays

Narrator: Looking to set up travel notices on one or more of your Schwab issued debit cards using Schwab Mobile?

Screen fades to Schwab home page

Narrator: Travel notices help inform Schwab about activity outside of your usual routine, allowing for more effective monitoring of your account. To get started, navigate to your profile, then tap Manage Cards.

My profile icon is tapped, then Manage Cards is selected

Narrator: Select Set up Travel Notices. Then tap Add Travel.

Set up Travel Notices is selected, then Add Travel is tapped

Narrator: First, select the card that you’d like to add a travel notice for.

A card is selected

Narrator: It’s important to note that if you’d like to set up a travel notice for multiple cards on your account, you’ll need to add them individually. Select Set up Travel Notices, then tap Add Travel.

Narrator: Fill out the relevant details about your travel notice on your screen, then tap Continue.

The travel notice form is filled out, then Continue is tapped

Narrator: Once you confirm that the information you’ve entered is correct, tap Submit Travel Notice and you’re done.

Submit Travel Notice is tapped

Narrator: If you’d like to submit another travel notice, tap on Create Another Notice, otherwise select Done.

Done is selected

Narrator: To delete a travel notice, swipe left on the travel notice you’d like to delete, then tap Delete.

The travel notice is deleted

Video outro plays

Have travel plans? Schwab Mobile makes it easy to set up travel notices on your Schwab issued debit card.

Download Schwab Mobile app App Store® or  Google Play™

Related Content

• How to see how much buying power I have
• How to sell a bond before maturity
• How to rename an account

GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site. We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products.

TD Bank Wire Transfer: How To Send Money and What Fees To Expect

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology .

20 Years Helping You Live Richer

Reviewed by Experts

Trusted by Millions of Readers

Wire transfers are one of the fastest and safest ways to send money, which is why they’re the standard payment method for major transactions such as home and car purchases. You can send a transfer through TD Bank’s wire transfer service, using your TD bank account to fund the payment.

How To Send Wire Transfers From TD Bank

The networks TD Bank uses for wire transfers have complicated protocols for moving funds, but the process is fairly simple for TD customers.

To send a domestic or international wire transfer through TD Bank, you’ll have to visit a branch location and provide the information TD needs to get the funds to the right receiving account.

For domestic transfers, bring the following when you go:

• Receiving bank’s name, address and routing number
• Name of the receiving account
• Recipient’s name and complete mailing address
• Recipient’s bank account number

Contact TD Bank at 888-751-9000 to find out the specific information you need to send an international wire transfer. Customer service is available 24 hours a day, seven days a week.

How To Receive a Wire Transfer

If you want to receive a wire transfer to your TD Bank account, provide the sender with the following information:

• TD Bank name and Wilmington, Delaware, as the location
• Routing number 031101266
• The number for the account you want to receive the funds

TD Bank makes wired funds available to you the same day the bank receives them.

How Much Does It Cost To Send a TD Bank Wire Transfer?

TD Bank charges a fee for incoming and outgoing wires.

• Incoming wires, domestic and international: $15
• Outgoing domestic wires: $30
• Outgoing international wires: $50

Pros and Cons of TD Bank Wire Transfers

TD Bank’s wire transfer service comes in handy when you need to send money. However, it’s not necessarily your best choice.

• TD Bank wire transfers are a secure way to send large payments.
• Sending wire transfers from your own bank could help you avoid or resolve issues with the transfer.
• You’ll have to visit a branch location to send a wire.
• TD Bank’s wire transfer fees are relatively high.

How Do Wire Transfers Work?

Wire transfers are network-based transactions consisting of messages that tell the sending and receiving banks how to withdraw money from the sender’s account at one bank and credit it to the receiver’s account at another bank.

Several networks can process these transactions. Fedwire is the one most U.S. banks use to transfer funds between other U.S. banks. Owned by the Federal Reserve Banks, the Fedwire network processes transactions immediately. There’s no waiting for physical money to arrive or for the sender’s bank to clear a cashier’s check. The messages contain all the information needed for that to happen. The transfer occurs and clears immediately when the messages reach the receiving bank.

International wire transfers work differently. Banks usually use the network operated by the Society for Worldwide Interbank Financial Telecommunication and owned by member banks. The SWIFT network lets banks transmit messages with instructions for handling the funds, but it can take a couple of days for the transfer to settle, or clear.

Alternatives to TD Bank Wire Transfers

You might have no choice but to use a wire transfer if you’re buying a home, but for smaller payments, you likely have other options.

TD Bank has several digital transfer services that let you transfer money to yourself, to another person or to a company. For example, you can transfer money between your TD Bank accounts or between your TD account and an account at another bank.

For payments between friends and family, Zelle is a free option that lets you send money to or request money from just about anyone with a U.S. bank account. TD Bank also offers bill pay, which you can use to pay any bill, even the ones you can’t manage online, such as rent.

When time is not of the essence, a cashier’s check might be a good option. Cashier’s checks come from the bank’s account, not the customer’s, so they’re essentially guaranteed to clear. Alternatively, you can purchase a money order from banks, some retail stores and any U.S. post office. Money orders are similar to checks, but they can’t bounce because you pay for them upfront.

• You can visit a TD Bank branch to send a domestic or international wire transfer .
• The fee ranges from $15 for an incoming domestic or international wire transfer to $50 for an outgoing international one.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Share This Article:

• Banking 101 Guide
• Banking Terms
• What are the biggest banks in the U.S.?
• Best Bank Promotions for this month

GOBankingRates' Best Banks

• Best High-Yield Savings Accounts
• Best Checking Accounts
• Best CD Accounts & Rates
• Best Online Banks
• Best National Banks
• Best Neobanks
• Best Money Market Accounts
• Best Premium Checking Accounts
• Best Regional Banks

Related Content

Wells Fargo's April 2024 Highlights: Promo Codes, Bonuses & Exclusive Offers

April 23, 2024

Here's Your Fulton Bank Routing Number

Here's Your Flagstar Bank Routing Number

Newest Fifth Third Bank Promotions, Bonuses, Offers and Coupons: April 2024

April 22, 2024

Top CD Rates Today: April 22 -- Earn Up To 6.00% APY

Here's Your Washington Federal Routing Number

I'm a Bank Teller: 3 Times You Should Never Ask For $100 Bills at the Bank

April 21, 2024

What Do You Need To Open a Bank Account?

April 19, 2024

Here's Your City National Bank Routing Number

32 Best Banks for Early Direct Deposit

Huntington Bank Promotions of April 2024

Discover April 2024's Premium Citi Offers: Unique Promo Codes, Bonuses and Coupons

Here's Your Citi® Routing Number

I'm a Bank Teller: Here's How Often You Should Visit Your Bank in Person

April 18, 2024

Frost Bank Hours: Full Hours and Holiday Schedule

Chime Routing Number: What To Use for Direct Deposit

Sign Up For Our Free Newsletter!

Get advice on achieving your financial goals and stay up to date on the day's top financial stories.

By clicking the 'Subscribe Now' button, you agree to our Terms of Use and Privacy Policy . You can click on the 'unsubscribe' link in the email at anytime.

Thank you for signing up!

BEFORE YOU GO

See today's best banking offers.

Sending you timely financial stories that you can bank on.

Sign up for our daily newsletter for the latest financial news and trending topics.

For our full Privacy Policy, click here .

Be Smart About Your Money When You Travel Overseas

6 minute read

Planning an international vacation can seem like a lot of work from figuring out your itinerary to making sure your passport is valid and even deciding on what clothes to pack. But one aspect many fail to consider until the last minute involves financial details of how much cash you will need and the best way to plan ahead of time.

Here are some tips on how to be smart about your money while traveling abroad from James Wolanski, Managing Director, TD Bank Global Foreign Exchange.

Be prepared

Where cash is concerned, it’s best to take the amount you need with you, so put a little thought into how much cash you’ll need each day.

If you’re headed to places like Nassau, Cabo, London, Rome, or Paris, you can pay with a credit card in many stores and restaurants. But if your destination is off the beaten path, such as in parts of Asia, Latin America, Africa, or Australia you may need to pay for things with cash in their local currency.

The general rule of thumb is to take with you the equivalent of $50-$100 USD per day. But if you like to shop, you might want to take more. It’s also best practice to tip restaurant staff in the local currency. Otherwise, your server must go to the bank after work to exchange your dollars and lose a few percentage points in doing so.

Do a little homework

Unsure of whether your destination is a cash economy? Do some research online, check in with your local travel agent, or ask friends who have been there for insight.

Get your cash early

If you’ll be traveling to more than one destination, it’s a good idea to visit your bank and request all the different currencies you’ll need at once. You should do this at least two weeks ahead of your departure date, so the bank will have time to fill your order.

Depending on how much you need, and what currency you need it in, it may take a few business days. While some banks hold foreign currency on hand so you can exchange same day, it's better to reach out to your bank as you begin your pre-trip planning.

The dollar is strong, but inflation is high

The U.S. dollar is strong right now and while that can make a holiday seem cheaper, remember that, in most parts of the world, inflation has risen alongside the dollar’s value. You may get more local currency for your dollar, but things may cost more. It would be wise to research the costs for certain items at your travel destination before your trip.

As exchange rates fluctuate, if the rate is favorable, consider paying for larger purchases, such as your hotel, ahead of time if you can.

Avoid scams and added fees

If you need more local currency after arriving at your destination, bank ATMs are your safest source and can offer the best exchange rates. If you get cash from an ATM after arrival at your destination, be aware that fees can be high. This is particularly true in places like airports and cruise ships, where your currency exchange options are typically limited.

If you can, go physically into a bank. But whether you do that or use an ATM, be sure they are a reputable establishment. Look for a corporate logo and use an ATM locals appear to use.

Avoid privately-owned ATMs, which are often found as standalone machines on the street or in convenience stores. As with any ATM, use only those that are well lit and in common public areas for ultimate safety.

Finally, when using an ATM internationally, remember to take it slow when reading through the prompts as some ATMs have specific surge pricing depending on locations and times used.

For many ATMs, this could include dynamic currency conversion, or DCC, which converts user transactions into their home currency. This could lead to bigger surcharges depending on the ATM network. Be sure to read all the fine print and understand the terms before opting for this service. Travelers should determine whether the rates and service works in their favor — or not. After all, conversions are often cheaper when billed in the destination’s local currency.

When traveling abroad, have a mix of cash and credit cards on hand. You may find yourself in an establishment that doesn’t take credit cards, or conversely, one that you don’t feel comfortable paying with a card.

It’s also important to take only the payment methods you need when you’re out and about at your destination. Take just one credit card at a time and a little cash with you and leave the rest of your credit cards and cash behind in a secure place like your hotel room’s safe. This way, if you lose your purse or wallet, you still have access to some money resources.

Being prepared means you have options. When you have options, it’s easier to relax and enjoy your vacation. With travel restrictions significantly reduced, this is the perfect time to get out of town and explore. When you do some planning ahead of time, everything about your trip will go smoother. And isn’t the whole point of a vacation to relax and have some fun? Make sure this trip is memorable by doing a little homework first.

For more tips, check out the TD Bank international travel page .

For More on Personal Finance Topics

If you have more questions about other personal finance topics that matter to you, visit the Learning Center on TD Bank’s website .

We hope you found this helpful. This article is based on information available in February 2023 and is subject to change. It is provided as a convenience and for general information purposes only. Our content is not intended to provide legal, tax, investment, or financial advice or to indicate that a particular TD Bank or third-party product or service is available or right for you.

For specific advice about your unique circumstances, consider talking with a qualified professional.

Links to third-party sites do not constitute an endorsement or an approval by TD Bank of any of the products, services or opinions of the corporation or organization or individual. TD Bank bears no responsibility for the accuracy, legality, or content of the external site or for that of subsequent links. Any third-party trademarks or service marks mentioned herein are the property of their respective owners. Contact the external site for answers to questions regarding its content. See our website Terms of Use for more information.

Join our newsletter

Sign up for the latest updates from TD Stories delivered to your inbox twice a week.

See you in a bit

You are now leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.