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Bezviz: Ukrainians suggested to choose a Bank card

Безвиз: украинцам подсказали, как подобрать банковскую картуHow to choose a Bank card to avoid problem situations abroad.

The European Parliament 6 April 2017 positively voted for provision of visa-free regime for Ukraine. Now it must be approved by the Council of the European Union, and possibly already in June, the Ukrainians will be able to travel to Europe without visas. However, when planning a trip abroad, you need to choose the right credit card to avoid any problem situations abroad.

Note that a credit card during the journey, eliminates the need to declare money while crossing the border. Just notify the customs service on you of this payment instrument. Another plus is that in most countries that are visited by Ukrainians, not difficult to pay by credit card.

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Which Bank card to go abroad

The main condition under which your card can be used in other countries — it should be international. Visa and MasterCard are accepted in most countries of the world. It is believed that MasterCard is more common in Europe, Visa Latin America, USA and Australia. However, this division is rather conditional, and most merchants accept the cards of both payment systems.

Experts recommend you take out travel cards of EMV standard (chip card), which provides a higher level of security of financial transactions. Chip cards are common in Europe.

Безвиз: украинцам подсказали, как подобрать банковскую карту

It is best for travel use Visa and MasterCard major classes Classic and Gold, and also Platinum. Such maps are provided as cash withdrawals at ATMs and non-cash transactions in retail chains and online.

You can also use Visa Electron or Maestro cards (often this salary cards). But in this case definitely need to call the Bank and verify that your card can pay abroad. As part of the payroll cards issued for use within one country, sometimes even the inscription “Valid only in Ukraine”. In addition, there is a risk that some outlets abroad may refuse to accept the Visa Electron card without explanation. Therefore, Visa Electron and Cirrus Maestro are often used only for cash withdrawal.

But for owners of cards of class of Gold and Platinum, on the contrary, provides various additional services, such as baggage insurance and the cardholder free access to business Lounges at airports, and so on.

How much is it

If during the journey, you need to get a new card in the Bank, you will have to pay, first of all, the fee for her release (from several tens up to a thousand hryvnia, depending on the class). There is also the annual maintenance fee, which depends on the number of services provided. Many banks offer a minimum set of services free of charge.

The fee for the card will increase depending on the tariff package of a particular Bank and the selected product. But it should be remembered that for the trading network, even in other countries, the Commission is not charged. But for cash withdrawals at ATMs you will pay a percentage of their, and the Bank that owns the ATM. If such a Commission is, you will be notified by a message on the screen of the ATM device.

Безвиз: украинцам подсказали, как подобрать банковскую карту

The most painful issue for tourists is to convert. If your account is opened in UAH, as at payment of purchases, cash withdrawals there was dual conversion.

For example, the user chose to pay with Visa card watch one of the shops in the Czech Republic. We will remind, the country’s currency — Czech Koruna. At the time of purchase terminal in the Czech store sends a Visa request at the cost of hours in the crowns. Visa converts Czech Koruna to the currency of settlement dollars for their course and the customer’s Bank sends the request on account of the last necessary dollar amounts. The Bank confirms this fact. The next day the Bank sends in the Czech Republic in the calculation of the authorized amount (value of hours), Visa again converts this amount into dollars at its exchange rate, which changes every day, and provides the Bank customer request to make payment. The Bank sees that the account of the client is blocked waiting for the write-off of means, and then writes off that amount if the client dollar account. Or in the case of UAH accounts first converts this amount into UAH at the commercial rate of the Bank. The Bank may charge another fee for conversion (1-2%).

In order to solve the problem of double conversion, it is best to open a card in the currency in which the calculations will be carried out. Often decorated card in dollars or euros — so at least you can avoid the Bank conversion, even if you are in a country with a different currency. You can also purchase a multi-currency card, which is tied to multiple accounts in different currencies. Conversion of payment systems Visa and Mastercard can be found on the official websites of these companies.

Practical tips

1. Warn your Bank about your trip

It is very important to call the Bank and warn about the upcoming trip-namely, which country are you going to go, how many days and what payment operations planning. Otherwise, the system may block the card at any attempt to pay off the card due to suspected fraud. At the same time ask the Bank employee, are there restrictions on different activities on your card (for cash withdrawals, Internet payments), if not previously done so. Another important point: write down and take with you to the service of the Bank through which you can lock the card in case of theft or loss.

Безвиз: украинцам подсказали, как подобрать банковскую карту

2. Make sure you choose the account currency

This will allow to avoid double conversion, and conversion in principle. Many banks use the scheme of settlements with international payment systems for transactions inside the country the Bank gives the payment system of the hryvnia; for transactions in EUR — Euro; for transactions in a currency other than the Euro — dollar. Accordingly, if you are planning to go to the country from the Eurozone, is to open an account in euros. If other EU countries that have not yet switched to the Euro in dollars.

3. Try to pay by card and not withdraw cash

The majority of Ukrainian banks for payments with in the trading network in Ukraine and abroad do not charge Commission. You can not say about the cash withdrawals from ATMs. Here banks set a certain percentage of the amount cashed out of funds plus a fixed Commission. In addition, the Bank or the company, serving the specific ATM, also keep a Commission for cash withdrawals. In most countries, especially Western Europe, the pay card will not be difficulties, because many of them are in the top cashless countries in the world.

4. Connect the mobile and Internet banking

If you still haven’t done that, be sure to connect the remote banking. This will allow you, firstly, to monitor all card transactions and respond quickly to suspicious transactions. Secondly, SMS-notification is necessary to monitor the state of your account, in order not to spend more than planned. Moreover, the mobile banking service works abroad as well as during the stay in Ukraine. And incoming SMS messages from the Bank completely free.

5. Put the money on the card stock

Given the fee and conversion, it is better to put the money on the card with the stock, not to be in an awkward situation. Of course, you can turn to family or friends in Ukraine with a request to top up your card via the cashier terminal or through Internet transfer. But it is also charged the fee.

It should also be remembered that, according to the current legislation of Ukraine, a natural person is entitled to carry abroad cash in the amount of 10 thousand euros (equivalent) without declaring at customs. If the sum exceeds the norm, will have to fill in the Declaration, and also documented the fact that money was withdrawn from Bank accounts during the previous 30 days.

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