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Don’t let a cashless payment be an inconvenience

Don’t let a cashless payment be an inconvenience

Written by R. A. Stewart

It’s a sign of the times when more and more businesses do not accept cash. This means that if you are on holiday, it is important to have a card which can be used for a tap and go with low bank fees. 

Most bank ATM cards will work in other countries but each withdrawal will be costly and if you are using this form of payment for small purchases at the checkout in another country, your bank fees will quickly add up as you will discover once you return home on your overseas trip.

Using a debit card is a handy option. These work in much the same way as a credit card but with one difference; you are using your own money. Once your balance is used up, that’s it, you cannot spend any more than what you have in that account. It is just a matter of topping it up. 

The Wise debit card is one which I have recently joined. This is a travel card which can be a useful addition to your payment options where cash is not accepted.

When you sign up you require an ID such as a passport or driver’s license. You also need to verify your address. This is done using a utility or a rates bill.

Ordering your card is simple. Just log into your wise account and order it from there. It costs $14.50 ($NZ). You will receive your card within two weeks. 

While the  wise debit card offers numerous benefits, it’s not without its limitations. Availability may be restricted in some regions, limiting its accessibility to a global audience. Additionally, ATM withdrawal limits and fees may vary depending on the user’s location and the currency being withdrawn. However, these limitations are relatively minor compared to the overall value proposition offered by the Wise Debit Card.

Note Wise was previously called Transferwise.

Join Wise Here

Wise may not be for everyone due to different personal circumstances; therefore, discretion is advised. I may receive a small commission if you sign up for wise.

Www.robertastewart.com

Posted on

Don’t let a cashless payment be an inconvenience

Written by R. A. Stewart

It’s a sign of the times when more and more businesses do not accept cash. This means that if you are on holiday, it is important to have a card which can be used for a tap and go with low bank fees. 

Most bank ATM cards will work on ATM machines in other countries ATM machines but each withdrawal will be costly and if you are using this form of payment for small purchases at the checkout in another country, your bank fees will quickly add up as you will discover once you return home on your overseas trip.

Using a debit card is a handy option. These work in much the same way as a credit card but with one difference; you are using your own money. Once your balance is used up, that’s it, you cannot spend any more than what you have in that account. It is just a matter of topping it up. 

The Wise debit card is one which I have recently joined. This is a travel card which can be a useful addition to your payment options where cash is not accepted.

When you sign up you require an ID such as a passport or driver’s license. You also need to verify your address. This is done using a utility or a rates bill.

Ordering your card is simple. Just log into your wise account and order it from there. It costs $14.50 ($NZ). You will receive your card within two weeks. 

While the  wise debit card offers numerous benefits, it’s not without its limitations. Availability may be restricted in some regions, limiting its accessibility to a global audience. Additionally, ATM withdrawal limits and fees may vary depending on the user’s location and the currency being withdrawn. However, these limitations are relatively minor compared to the overall value proposition offered by the Wise Debit Card.

Note Wise was previously called Transferwise.

Join Wise Here

Wise may not be for everyone due to different personal circumstances; therefore, discretion is advised. I may receive a small commission if you sign up for wise.

Www.robertastewart.com

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The Benefits of the Wise Travel Card: A Smart Choice for Global Travellers

The Benefits of the Wise Travel Card: A Smart Choice for Global Travellers

In an increasingly globalized world, managing money while travelling can be a challenge. Traditional bank cards often come with hidden fees, poor exchange rates, and limited flexibility when used abroad. That’s where the Wise Travel Card—formerly known as the TransferWise card—steps in to offer a smarter, more cost-effective solution for international travellers. With over 16 million users worldwide, Wise is revolutionizing how people spend, send, and receive money across borders.

Here are the key benefits of the Wise Travel Card and why it could be an essential companion for your next trip.

1. Real Exchange Rates with No Hidden Markups

One of the standout features of the Wise Travel Card is its use of the real mid-market exchange rate—the same rate you see on Google. Most banks and currency exchange services offer a marked-up rate to increase their profits, which can cost you extra every time you spend. Wise, however, charges only a small, transparent fee and passes on the actual exchange rate, ensuring you get more value for your money.

Whether you’re buying tapas in Spain or souvenirs in Japan, you can be confident you’re getting the fairest deal.

2. Hold and Spend in Multiple Currencies

The Wise Travel Card supports over 40 currencies, allowing you to hold balances and spend in the local currency without conversion fees. You can convert money ahead of your trip when the rates are favourable and spend like a local once you arrive.

For instance, if you’re travelling to the United States, you can convert British pounds to U.S. dollars before your trip and lock in the best rate. When you use your Wise card in the U.S., it deducts directly from your dollar balance—no surprise fees.

JOIN WISE HERE

3. Low ATM Withdrawal Fees

Wise gives you free ATM withdrawals of up to £200 (or equivalent) per month. After that, there’s a small fee, but it’s often lower than what traditional banks charge for foreign withdrawals. This makes it easy to access local cash without paying a premium.

Plus, because Wise uses the Visa or Mastercard network, your card is accepted in millions of locations worldwide.

4. No Monthly Fees or Minimum Balances

Unlike many travel cards and bank-issued alternatives, the Wise card doesn’t come with monthly maintenance fees or minimum balance requirements. You only pay for what you use, and all fees are clearly outlined upfront.

This makes it ideal not just for frequent flyers but also for occasional travellers who want a flexible, low-cost option for spending abroad.

JOIN WISE HERE

5. Secure and Easy to Manage

The Wise app allows you to freeze or unfreeze your card, view your spending in real time, and instantly convert currencies at the tap of a button. You can also receive push notifications every time your card is used, giving you full control and security on the go.

Additionally, you can get local bank details in multiple countries (e.g., UK, US, Eurozone, Australia), making it easier to receive payments from clients or employers abroad.

6. Perfect for Digital Nomads and Freelancers

For those who live or work remotely across countries, the Wise Travel Card offers unparalleled flexibility. Freelancers can get paid in multiple currencies without having to open foreign bank accounts. Digital nomads can manage their income and expenses from anywhere in the world with minimal hassle.

Final Thoughts

Whether you’re a casual holidaymaker, a frequent business traveller, or a global freelancer, the Wise Travel Card is a powerful tool to help you save money, manage currencies, and stay in control of your finances abroad. Its transparent pricing, real exchange rates, and multi-currency capabilities make it one of the best travel cards on the market today.

Before your next trip, consider signing up for a Wise account and ordering your travel card—it could save you more than just money; it could save you from financial stress.

JOIN WISE HERE

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“Holiday Crisis Solved: How to Handle a Lost or Stolen Debit Card”

What to Do If You Lose Your Debit Card While on Holiday

Losing your debit card while traveling can be a nightmare. Whether it’s stolen, misplaced, or simply left behind at a café, the sudden loss of access to your funds can leave you feeling vulnerable—especially in an unfamiliar place. However, acting quickly and methodically can help you minimize financial risks, secure your account, and find alternative ways to access money.

Here’s a detailed step-by-step guide on what to do if you lose your debit card while on holiday.

1. Stay Calm and Retrace Your Steps

Panicking won’t help, so take a deep breath and think back to where you last used your card. Check your wallet, bags, hotel room, or any recent shops or ATMs you visited. Sometimes, cards are simply misplaced rather than stolen. If you’re sure it’s lost or stolen, move to the next steps immediately.

2. Contact Your Bank to Block the Card

Time is critical—the sooner you report the loss, the lower the risk of fraudulent transactions.

  • Call your bank’s 24/7 emergency hotline (save this number before traveling).
  • Provide your account details and request an immediate card freeze or cancellation.
  • Ask if any recent suspicious transactions have occurred.

Many banks allow you to block your card via their mobile app, which is faster than calling. If you don’t have international roaming, use Wi-Fi to access online banking or ask a local shop/hotel to borrow a phone.

3. Monitor Your Account for Fraud

Even after blocking your card, check your account for unauthorized transactions. If you spot any:

  • Report them to your bank immediately—they may reverse fraudulent charges.
  • Change your online banking password for extra security.

If your bank offers instant transaction alerts, enable them before traveling to detect fraud early.

4. Arrange a Replacement Card or Emergency Cash

Ask your bank about:

  • Emergency card replacement – Some banks can courier a new card internationally (though this may take days).
  • Temporary virtual cards – Useful for online purchases if your bank supports digital wallets (Apple Pay, Google Pay).
  • Emergency cash withdrawal – Certain banks partner with global networks (like Western Union) to provide emergency funds.

If you’re traveling with a companion, consider transferring money to their account temporarily.

5. Use Alternative Payment Methods

While waiting for a replacement, rely on:

  • A backup travel card (always carry a second card from a different account).
  • Cash (withdraw extra early in your trip as a precaution).
  • Prepaid travel cards (load funds before traveling).
  • Mobile payments (if your phone supports contactless payments).

6. File a Police Report (If Necessary)

If you suspect theft, file a report at the local police station. Some banks or travel insurance providers require this for fraud claims. Keep a copy for your records.

7. Prevent Future Issues

To avoid this situation again:

  • Carry multiple payment options (two cards + cash).
  • Use a money belt or RFID-blocking wallet to deter pickpockets.
  • Store bank contacts securely (in email or a password manager).
  • Enable transaction alerts for real-time monitoring.

Final Thoughts

Losing a debit card on holiday is stressful, but quick action can prevent financial loss. By staying calm, blocking the card immediately, and using backup funds, you can minimize disruption and continue enjoying your trip. Always prepare for the worst—carrying multiple payment methods ensures you’re never left stranded.

Safe travels, and may your next trip be hassle-free!

The Benefits of Having Two Debit Cards

Carrying two debit cards while traveling provides security and convenience. If one card is lost, stolen, or blocked, you’ll still have a backup for purchases and withdrawals. It also helps avoid issues like ATM declines or foreign transaction limits.

Additionally, you can separate expenses—using one card for daily spending and another for emergencies. Some banks offer better exchange rates or lower fees on specific cards, so having two allows you to optimize transactions.

With mobile banking, managing multiple cards is easy. Dual debit cards ensure financial flexibility, reducing stress during trips. Always keep them in separate places for extra safety!

The Benefits of Having a Travel Card

A dedicated travel card makes trips smoother and more secure. Unlike regular debit cards, travel cards often offer competitive exchange rates, low foreign transaction fees, and multi-currency support—saving you money on conversions.

If lost or stolen, travel cards can be frozen instantly via an app, protecting your funds without affecting your main bank account. Many also provide emergency cash replacement and 24/7 support.

Preloaded with a set budget, travel cards help control spending and avoid overspending. Some even offer rewards or insurance perks. For worry-free travel, a travel card is a smart financial companion.

Join Wise Here

https://wise.com/invite/dic/roberts10486

 

Posted on

Don’t let a cashless payment be an inconvenience

Written by R. A. Stewart

It’s a sign of the times when more and more businesses do not accept cash. This means that if you are on holiday it is important to be able to pay for things with a card and that does not mean signing up with a credit card. In fact I am going credit card spending because not only do you have a debt to pay but you have interest to pay on top of that.

Most bank ATM cards will work in other countries but each withdrawal will be costly and if you are using this form of payment for small purchases at the checkout in another country, your bank fees will quickly add up as you will discover once you return home on your overseas trip.

Using a debit card is a handy option. These work in much the same way as a credit card but with one difference; you are using your own money. Once your balance is used up, that’s it, you cannot spend any more than what you have in that account. It is just a matter of topping it up. 

The Wise debit card is one which I have recently joined. This is a travel card which can be a useful addition to your payment options where cash is not accepted.

When you sign up you require an ID such as a passport or driver’s license. You also need to verify your address. This is done using a utility or a rates bill.

Ordering your card is simple. Just log into your wise account and order it from there. It costs $14.50 ($NZ). You will receive your card within two weeks. 

While the  wise debit card offers numerous benefits, it’s not without its limitations. Availability may be restricted in some regions, limiting its accessibility to a global audience. Additionally, ATM withdrawal limits and fees may vary depending on the user’s location and the currency being withdrawn. However, these limitations are relatively minor compared to the overall value proposition offered by the Wise Debit Card.

Note Wise was previously called Transferwise.

Join Wise Here

Wise may not be for everyone due to different personal circumstances, therefore discretion is advised. I may receive a small commission if you sign up for wise.

Www.robertastewart.com