How not to lose your money when you travel

There is one and probably the only way on how not to lose your money while traveling, no matter what country, even in Thailand these cases are not uncommon. And this type of crime is often committed by Russian tourists in Thailand. Although there have been cases of fraud by Thais. Fortunately, such cases are rare, because Thais are more honest people than we are))). Also, this article will come in handy for booking a hotel in Thailand, because there are cases of money theft there too.

To reiterate, in Thailand, the cases of theft of money from bank cards have increased lately. So I want to protect you from all this hassle. This information will help you not to lose your money on vacation in any country, especially in Russia.

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I’d like to point out that Sberbank cards in Thailand work great! True, you will be charged a small fee, and if you want to get a card in baht, you will need to open an account with a Thai bank.

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Opening bank cards

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Get yourself two bank cards with chips, like MasterCard or Visa, these are the ones that will help you not lose your money when you travel. On the backs of both cards wiped with a blade three-digit CVV-code, so that no one on vacation your card can not use, usually in online shopping. Why chip cards? It’s all about security. Magnetic cards like Visa Electron and Maestro are easily hacked, and all data is copied to a duplicate.

This type of card can be hacked:

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  1. In store terminals at the cash register. In practice, there are cases when such terminals are purposely overwritten by malefactors. They copy the information from the magnetic tape and the pin-code you entered and then store them in their internal memory. Later they copy the information to a new bank card. If possible, try not to pay with an ATM, as you can’t tell if it’s wired or not by eye.
  2. At ATMs
  3. At ATMs. Skimmers in Thailand have been breaking records lately. The criminals install reading equipment on ATMs, these are: skimmer (reads information from the magnetic tape); camera, aimed at the keyboard, or a hinged keyboard that reads the pin codes of the bank card. An inexperienced eye simply won’t notice such equipment. Pay attention to the ATM so that there is nothing unnecessary hanging on it, the front part should be monolithic and the same shade. Only after checking, insert your bank card.

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See visually how skimming equipment looks like on ATMs.

In theory, these methods can steal money in travel and from chip cards, but few people want to mess with them. It’s all about the encryption algorithms in the chip. It takes a lot of time and effort to decrypt it. Such a bank card is profitable to hack only if its account is more than 200 thousand rubles.

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Why two bank cards?

And two bank cards are needed to:

  • the first holds the main funds;

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  • on the second – everyday.

Thereby being on vacation and not to lose your money, you just need from time to time through mobile or online bank to transfer a small amount to the second card for small expenses. Mobile banking usually works via SMS or Internet (sorts of Internet in Thailand).

There are cases when, when you are traveling and withdrawing cash, ATM machines show an error, but at the same time they give you the required amount, but the phone receives an SMS that you have been charged three times more! In this case, you should immediately go to the bank which serves the ATM and preferably to the Thai tourism police.

Connect mobile bank

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Even before you leave for your vacation, you’ll need to connect these bank cards to mobile banking and sms-alerting to stay up to date on mobile transactions and manage card-to-card transfers. In Sberbank mobile bank on the cards MasterCard and Visa will cost 60 p / month, in others – unfortunately, I do not know. Also take care of what currency to take to Thailand.

Divorce-personnel-in-hotels

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To avoid losing your money, never leave it in plain sight or in closets after checking into the hotel, as there are cases of theft among the staff or they may count the money as tipping in Thailand. Keep small amounts of money in a safe (in rooms they should be obligatory), and large – on the card. And never carry large amounts of cash, it is better to lose your bank card than cash itself. On How they cheat in hotels in Thailand, we have already judged.

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P.S. Dear readers, even before I learned about the above scams, from my bank card Maestro, 60 thousand rubles were withdrawn by malefactors. And they withdrew it in Moscow, even though I live in St. Petersburg. I often paid with this card in all sorts of terminals, so I must have malfunctioned. Fortunately, after a month the bank refunded me, now I am more careful than ever. And you, hopefully, after reading my article will not fall for these tricks with bank cards. đŸ˜‰

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VIDEO: How to steal money from bank cards

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