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ATM cards - backup plans if u loose them!

Travel Forums Round the World Travel ATM cards - backup plans if u loose them!

1. Posted by fox1977 (Full Member 54 posts) 11y

Hi there folks,

just interested to find out any experiences anyone has had of loosing their ATM cards whilst away travelling? I know everyone says about taking atm and credit cards but what happens if you are a bit like me like a few too many beers and loose them!

Anyone been in this situation and how did they get out of it???/

cheers

john x

:(

2. Posted by kenofcork (Full Member 69 posts) 11y

Its always handy to have an emergency account and keep that card seperate to your main cards. Ask your bank about card protection or take out Sentinel Card Protection. They can stop all your cards for you in one phonecall and arrange some emergency cash for you if your stuck. Hopefully you'll never need it though.

3. Posted by leahrb (Full Member 209 posts) 11y

live on 5 euros a day for 6 days.

4. Posted by -kel- (Full Member 38 posts) 11y

i don't know if this will be much help but this year i went to italy with a group of school friends and on my 16th b'day(lucky me...)i went to get some money out and realised my ATM card wasn't where it should've been. Luckily before i left, i set up my bank account as well as getting a cash passport card and put half of my money in that. My mum had access to all my accounts at home and i gave her a quick call and she cancelled the card i had lost and transferred all that money into the card i still had on me. It wasn't such a disaster after it was all sorted out in about 20mins. again, don't know if it's any help but just a suggestion.

Cheers,
Kelly

5. Posted by -kel- (Full Member 38 posts) 11y

i don't know if this will be much help but this year i went to italy with a group of school friends and on my 16th b'day(lucky me...)i went to get some money out and realised my ATM card wasn't where it should've been. Luckily before i left, i set up my bank account as well as getting a cash passport card and put half of my money in that. My mum had access to all my accounts at home and i gave her a quick call and she cancelled the card i had lost and transferred all that money into the card i still had on me. It wasn't such a disaster after it was all sorted out in about 20mins. again, don't know if it's any help but just a suggestion.

Cheers,
Kelly

6. Posted by Gelli (Travel Guru 2457 posts) 11y

It's only happened to me once, and the machine ate my only card. I was about 16 and alone in Bulgaria, so wasn't overly chuffed at that moment, i must admit.

As for the beer thing, strangely i've never managed to loose it that way. Partly i'm extrenely paranoid, and even when drunk am being careful with my wallet etc (having said that, i have come back with a much emptier/lighter wallet than i should have on any number of occassions.... ;) ).

Best way(s) are: When going on the piss, go to the atm at the start of the evening or preferably earlier that day when sober-ish. Get out however much money you want then, and don't use the card again all night. Keep it in your money belt etc (and regardless of how p1ssed you are, try and learn never to touch your money belt) or even level it at reception/lock box in the hostel if you trust it/them enough, which is normally 50-50 at best, so you can't get at it. Then when your out of money, your out. I can recomend having a note in a different pocket for taxi/bus use though unless you love a long drunken stumble in a strange city at 5am, although in fairness some of my best experiences have come that way. In addition, and most obviously, take more than one card and DON'T KEEP THEM IN THE SAME PLACE - if you loose one, it's then annoying/pain in the arse, but at least you don't starve or die of lack of alcohol.

As for the keeping them together, i once played a admittedly nasty trick on a drunken American from our hostel - He bragged about how careful he was, how everybody loved americans and would never pickpocket him, how he would never loose his wallet, had loads of cards in case of emergency, etc, but kept them all/passport and all together. We all had a few, but he didn't hold his drink desperately well and after a while we carried him home. At that point, i decided to pick his pocket of the wallet (in fairness, he'd already dropped it twice so it was as much for it's safe keeping as anything else) and after emptying it of the cards/passport/id, handed it in to reception, saying we'd found it on the street outside.

The next morning after allowing him to suffer an hour hunting the hostel room, we suggested trying reception. He came back elated until he opened it. The scream of horror could be heard as far away as Versailles (we were in Budapest at the time). But after letting him stew for anotehr hour gave him his bits back. Lesson learn't though, and strangely he's become a good friend, and can't thank me enough for teaching him the hard way what can happen (it was probably reinforced by the fact that at some point that night he also managed to loose a shoe, and none of us have the faintest idea how or where).

Moral of this story? Urm. Not entirely sure. I'm rambling aimlessley now, as you've obviously guessed. So i'll say don't let Americans get drunk??

7. Posted by kirstyfly (Budding Member 10 posts) 11y

i wasn't worried about it getting lost i was more worried that an atm machine might swallow my card and not give it back.

that is why i always tried to us an atm which was attached to a bank so if anything happend to the card i could find out how to get it returend asap.

8. Posted by Gelli (Travel Guru 2457 posts) 11y

If it swallows it, it's then too late to worry about what to do. If you go into the bank, even assuming you manage to find somebody who speaks a language you can, they won't be able to help, and you have no chance in hell of getting your card back.

Make sure that somewhere safe and seperate to your card, you have the following written down: your card number, sort code, home bank address/phone #, as well as the lost/stolen phone number. Even if you call them straight away, have no problems being understood and it's already registered in their system, it will take a MINIMUM of 7 days to get a new card sent. And that will go home to you address. You then need to get it forwarded to Europe, so you could be talking 3 weeks or so before you get a card again. Sometimes they will agree to send it to a foreign address, but almost always it will be a major bank branch that you nominate, or sometimes something like a major international hotel or embassy, but somewhere where you have to show id/sign for it etc.

Basically, assume you have to get all your money from other sources for 3 - 4 weeks if the cards eaten. When i had mine eaten by the machine in Bulgaria, i then spent 7 days getting home during which time i had the sum total (scraps in about 6 or 7 diff currencies) of less than 20gbp. And no tickets....

9. Posted by paulr1981 (Budding Member 16 posts) 11y

Just had this happen to me and it was a bit of a nightmare.

I was at Bangkok airport and had just drawn money at the ATM to pay for my Visa overstay fine when I realised I didn't have enough cash left for my departure tax. So I went back to the ATM and proceeded to draw some more cash when much to my dismay my card was retained.

Although I was covered by my Sentinel card protection I mistakenly telephoned my bank in the UK direct and explained what had happened and asked them to cancel my card, then proceeded to continue on my journey to Singapore.

The next day I was out shopping and went to pay for a purchase on my Visa card, after numerous attempts by the shop owner my card failed and I had to leave the store without my purchase. I telephoned home to ask my parents to see if they could find out if there was a problem with my card and was horrified to discover that the wrong card had been cancelled. It was my flex debit card that had been lost but my bank had inadvertently cancelled my credit card and you've guessed it I had only taken these 2 cards with me on my travels.

To cut a long story short my mum contacted Sentinel who said they would arrange for an emergency cash advance for me (this was last Sunday)and that the money would be available for me to collect from the local Western Union office (I was now in Sydney). I am sorry to say that I was not impressed as the money had still not been made available to me by Christmas Eve and I had to beg and borrow money from my new found friends - who fortunately took pity on me. A further phone call home with my friends bank details resulted in my debt being paid and money being made available for me via my friends account. The cash advance is yet to materialise so needless to say I won't be renewing my subscription when it expires in February.

So whilst there are a number of solutions in such circumstances they are inconvenient and time consuming. So the motto of the story is make as many contingency plans as possible.