Planning a trip? Find out how you can use your bank card with confidence abroad as well!

 

Your bank card can be a useful and practical companion on your foreign travel. With some circumspection, you can benefit from all its advantages and avoid any inconvenience. Please read our advice so that you too can enjoy all the benefits of your card during your trips this winter.

1.When you use your card for payment on a foreign trip, you may be faced with questions you are not accustomed to or have never encountered before at home.

  • An example may be when, during a card payment or cash withdrawal transaction, the POS terminal or the ATM displays the payment amount in the local currency as well. This means that you can choose to have your account debited in euros, for instance, rather than forints. In such cases the conversion rate is set by the operator of the terminal/ATM. The advantage of this option is that you will know immediately the exact amount that will be debited to your account. Its disadvantage lies in the fact that the local operator/bank may set a conversion rate that is worse than that of your bank. In such cases, decide responsibly whether you opt for debiting in the local currency or HUF.
  • Service providers may accept only credit cards or embossed debit cards for hotel reservation or car rental. We recommend that you find out in advance whether a particular provider accepts the type of card that you have.
  •  When you make a reservation, ask the provider whether it will block a deposit against your card and if so, when it will release the blocking. You would do well to also ask/read about what items might be charged retrospectively to your account (such as minibar expenses or extra cleaning after a hotel stay, damage incurred in the case of car or other rental, amounts to cover fines). These details are usually described in providers’ General Terms and Conditions, and you are recommended to read these and even save a copy for future reference. Keep all invoices you receive from hotels and car rental companies for at least 60 days so that you can take action regarding the cancellation of reservations or any settlement disputes.

2.Nowadays most bank cards come with travel insurance. Still, we recommend that you check or ask your bank before leaving on your trip whether this insurance will cover all the events that may occur during your stay abroad. Especially if you are planning skiing, snowboarding or mountaineering.

3.The availability of contactless payments and the related amount limits may vary from country to country and you may be requested to enter your PIN code even with payments of smaller amounts. Please commit your PIN code to memory before you leave as you may need it at any time. To prevent fraud, do not write down your PIN code and do not save it in your phone.

4.   Do keep an eye on the expiry date of your bank card! You will be able to use your old card until the last day of the month of expiry. The bank will send you your new bank card in the second half of the expiry month.

5.Take note of these useful telephone numbers before you travel:

  • The phone number of our telephone customer service, which you can contact from abroad as well to ask for help with any issues in using your card or to request us to block your card: +36 1 (20/30/70) 325 3200.
  • If your bank card comes with travel insurance, keep the insurer’s phone number with you throughout your trip abroad: +36 1 270 0521

6.Please notify us in advance about your stays abroad, of any planned trips and card usage there, by contacting our telephone customer service. We also request that you keep updated the contact information (phone number, e-mail address) you have provided to us so that we can contact you as quickly as possible if any critical event impacting your bank card occurs. You can have your details updated on our records by visiting our nationwide branch network or calling our telephone customer service, where you will be first asked to complete the telephone banking identification process.

7.Debit and credit card transactions abroad are settled in accordance with the provisions of the Bank Card Business Conditions, and the fees and charges are stated in the List of Conditions on Bank Cards, Credit Cards and Electronic Services.

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