No name international debit card -
Debit cards are easy to use and carry, fees are nominal and it's easy to cancel a debit card if it's lost or stolen while you're traveling, keeping your money safe.
What's a Debit Card?
A debit card differs from a credit card in that a debit card is tied directly to your checking account and the amount of money you can spend with it is limited to the amount of money you have in the bank.
How Does a Debit Card Work?
When you use a debit card, the transaction debits (withdraws) the amount of the transaction from your checking account, usually on the same day. You can use a debit card to get cash from ATM machines or have it swiped like a credit card at shops or restaurants or swipe it through a pay phone to make a call.
Making a Travel Budget With a Debit Card
Naturally, you can't rely on your debit card for all your international transactions -
How to Get a Debit Card
Chances are you were automatically offered a debit card when you opened your checking account. If you don't have a checking account, go open one now. Look for a bank that doesn't charge checking account fees, and ask for a debit card.
It takes a few days to two weeks to get a debit card after you order it. When the card arrives, sign the back; have photo id with your signature handy when you use the card -
How to Choose a Debit Card PIN Number
Your debit card comes with a PIN (personal identification number) which can be changed to a number you can easily remember. Memorize it; if you have to write it down, keep that separate from your card. Don't choose an obvious number, like your birthday, in order to lessen the chances of someone else being able to guess your PIN number if they come into possession of your card.
If You Lose Your Debit Card...
If your card is lost or stolen, call your bank asap before someone else spends your money. Write down your bank's number before you leave home and keep it in a couple of places -
When to Use Your Debit Card
Debit cards are handy when making a long distance room reservation or any internet reservation, including plane tickets. You can't use a debit card just like a credit card when renting a car -
About Debit Card Fees and Overseas Transaction Fees
International ATM machines will charge a fee when you use your debit card; the amount is determined by the ATM owner. Most fees are under $5 -
The real fee problem with a debit card comes from your own bank -