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Why (and How) You Should Notify Your Bank Before Traveling

You’ve packed your suitcase, planned your itinerary, and checked into your flight. Surely you’ve done everything you need to prepare for your vacation, right?

There’s one small but crucial step that people often forget before traveling abroad: notifying the bank.

Notify your bank before using a credit or debit card when traveling

Banks do whatever they can to protect you from identity theft. But if you’re not careful, your bank’s eagerness could backfire when you travel. If they spot transactions in an unfamiliar location, your bank may assume your card is being used fraudulently and shut it off.

When you let your bank know that you’re going away, they add a record to your account and share it with their fraud detection system. This prevents your “abnormal” spending patterns from triggering a block on your card.

How to notify your bank of your travel plans

Every bank works a little differently. If you already use online banking, there’s likely an online travel notice where you can enter your destination and the length of your trip. If you’ve got multiple countries on your itinerary, you can specify that as well.

We’ve compiled a list of the online travel notification pages and resources for the top ten banks to make it easy for you:

If you don’t have online banking, call your bank to set up a travel alert on your account. You can also speak with a representative face-to-face in a branch.

Other financial precautions to keep in mind when you travel

Notifying your bank about your travel plans is not the only financial precaution you should take. You should always have copies of your important documents and information, like your bank’s 24-hour telephone and your account numbers. If possible, bring more than one credit or debit card with you and stash one in a safe space outside your wallet if your wallet is lost or stolen .

As with most things related to traveling and security, a little bit of effort goes a long way. Check out our latest tips on travel or sending and securing your money .

Send money with Western Union

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Going travelling

If you’re planning a trip abroad, there are a few things you may need to consider before going away.  

If you’re planning on travelling within the EU, you don’t need to let us know that you’ll be going abroad. If you’re planning on travelling outside the EU, you’ll need to let us know. The easiest way to do this is to:

• log on to Online Banking
• choose ‘Account Services’, then
• click ‘Use card abroad’.

Coronavirus travel disruption

Affected by travel cancellations or restrictions.

If your trip has been affected by restrictions put in place to combat the spread of coronavirus, we may be able to help if you paid using your Santander credit or debit card. In the first instance, you need to contact your travel provider. They’ll be able to explain your options, which could include changing travel dates or offering you a refund. If your travel provider can’t help you or you’re not happy with what they’ve offered you, we may be able to help you claim a refund.

If I cancel my holiday will I get my money back?

If you decide to cancel your booking, it’s unlikely we’ll be able to help you claim a refund. Please contact your travel provider to discuss your options or refer to their cancellation policy. 

My travel provider has cancelled my trip

If the travel provider has cancelled the booking, they’ll probably contact you to discuss your options. If they can’t offer a solution, we may be able to help you claim a refund.

My travel provider has offered me a credit voucher rather than a refund, can I make a claim?

If your booking has been cancelled and you’re not happy with the solution offered by the travel provider, we can help you claim a refund.

My travel provider has offered me a refund but has said it will take longer than usual

If you’ve been offered a refund by your travel provider, you should wait for this to come through. If you don’t receive it within the timescales they’ve given or you’re not happy with how long the refund will take, we may be able to help you claim your money back. 

I’ve tried to contact my travel provider as my booking has been cancelled, but they’re not responding. What can I do?

If you haven’t had a response or you can’t get in touch with them, we can raise a claim on your behalf. Remember that some companies may take longer than they usually would to respond because of the current situation. 

I have been refunded for my flight, but not for add-ons such as luggage and seat selection charges, can I claim?

Speak to the travel provider first as they should refund these charges. If they don’t offer a refund, then a claim may be submitted to us if you paid using your Santander debit or credit card. 

I’m paying for my holiday by instalments, should I cancel my payment?

As cancelling your payment may invalidate your holiday, we strongly suggest you discuss it with your travel provider before stopping any payments.

Fraud awareness

Criminals may use the coronavirus as a cover story to try and scam you out of your money. .

Beware of criminals contacting you offering to help you recover money for cancelled travel plans. Find out more about current fraud and scams and how to protect yourself.

Your travel company has gone into administration

Claiming your money back if your travel company has ceased trading.

If you've been affected by your travel provider becoming insolvent, you can make a claim if:

• you paid using your credit or debit card, and
• your payment was made less than 540 days (approximately 18 months) ago, and
• you’re not covered by ABTA, ATOL or a similar financial protection scheme or your travel insurance provider (if any) has confirmed that it won’t cover your claim, or
• you’ve spoken to your travel provider, ABTA, ATOL, a similar financial protection scheme or your travel insurance provider and they’ve directed you to us, as your card issuer, to raise a claim.

The easiest way to do this is by using our claim form in Online Banking.

• Log on to Online Banking
• Click ‘Account services’ tab 
• Choose ‘Other services’ in the left-hand side menu 
• Scroll down to ‘Debit card services’ or ‘Credit card services’
• Click ‘Make a claim’ and start filling in the form 

If you don’t use Online Banking, please contact us

Want to sign up for Online Banking? Read our Online Banking page to learn how.

Please complete the form and upload your supporting documentation. 

Once you’ve submitted your form, we’ll:

• send you an email to confirm we’ve received your claim
• take a look at your documents and let you know if we need more information.

Submitting a claim by calling us

Once we’ve taken details of your claim, we’ll send you a disputed transaction form, which you’ll need to sign and return to us enclosing your supporting documents. Once we’ve received everything we need, we’ll be able to raise your claim for you. 

Supporting documentation

It’s important that you provide documents to support your claim. If you claim online, you’ll need to upload your documents when you submit your claim. If you call us to make a claim, you’ll need to return the documents to us along with the disputed transaction form that we’ll send to you. Without any supporting documents it may be difficult to assess whether your claim should be successful or not. Please keep the originals for your own records and avoid stapling your documents together or attaching them to the disputed transaction form.

Raising your claim 

Once we’ve received your claim and supporting documentation it will be assessed by a case handler and a decision will be made based on the information you’ve provided. If we then raise a claim with your travel provider, we’ll pay the amount you're claiming for back into the account it was paid from. This is done while we await the outcome of your claim and we'll send you a confirmation letter explaining what happens next.

Most claims take up to 45 working days (9 weeks) to complete, however some claims may take longer if, for example, lots of customers are claiming (for example when a larger travel provider becomes insolvent).

Your claim may be unsuccessful. If it is, we’ll explain why. 

Payments not made by debit or credit card

If you’ve paid by cash , cheque , or Direct Debit we’re sorry but we can’t raise a claim for you. Please speak to your travel provider, ABTA, ATOL, a similar financial protection scheme or your travel insurer for further guidance on making a claim.

Payments made through payment processors such as PayPal

If you paid your travel company using a payment processor such as PayPal, we can only process claims if you selected to pay using your credit or debit card. If you chose to pay directly from your nominated bank account using your account number and sort code (this will show as ‘DD to PayPal’ on your statement) you’ll need to refer to your travel provider ABTA, ATOL, a similar financial protection scheme or your travel insurer for further guidance on making a claim. 

Section 75 

Following the chargeback process set out above is usually the quickest and easiest way to try and recover sums paid. However, if you paid by credit card you may instead wish to make a claim under Section 75 Consumer Credit Act 1974 instead. More information on this can be provided on request. 

Criminals will use a company going into liquidation as a cover story to try and scam you out of your money. 

It’s important that you keep your personal, security and card information safe and secure as criminals may target your accounts. They may contact you pretending to be Santander, the police or another organisation and use this information to convince you they’re genuine. Take Five to check that you’re speaking to a genuine person by calling us directly using the number on our website before discussing any details about your account, card or claim.

Criminals will sometimes use a tactic called ‘spoofing’ where they make it look as if their telephone number, email or text is from your bank (or other organisation) – they can even make them appear in the same thread alongside genuine messages. They may ask you to make a payment or share your security details, such as Online Banking passwords or One Time Passcodes (OTPs). These must never be shared with anyone even if they say they’re from Santander.

Using your card abroad

Let us know if you're travelling.

We will continue to monitor your account for fraud and unusual transactions whilst you’re abroad and we’ll contact you if we detect unusual activity. If you keep your mobile phone with you, you’ll be able to confirm genuine transactions as soon as we contact you.

We recommend you pay for your first purchase abroad by entering your PIN (rather than using contactless). This provides an extra layer of confirmation that your transactions are genuine.

If you’ve forgotten your PIN, you can use the mobile app  to view it.

If you need a new PIN, you can request a new one through Online Banking or contact us

If the PIN on your debit or credit card is locked for any reason, for example you entered it incorrectly 3 times or it’s a replacement PIN, you need to unlock it prior to travelling. This needs to be done at a Santander or Link cash machine before you leave the UK as it can’t be unlocked when you are overseas.

If you are travelling outside the EU, let us know so we can place a note on your account to say you are travelling.

The easiest way to let us know when you’re travelling outside the EU is to:

• choose ‘Account Services’, then 

Alternatively, you can contact us if you’d like more support. Remember, if you’re calling from outside the UK, please call the number on the back of your Santander card.

Fees and charges abroad - debit card

This depends on which card you hold with us and which type of transaction you make. The two kinds of transactions are:

Making a purchase abroad or online in a currency other than pounds to buy goods or services.

Withdrawing money (foreign currency) and buying traveller's cheques - withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Mastercard/Visa sign) in a currency other than pounds. 

When you use your card abroad you may be charged a foreign currency conversion fee, unless you have one of the following accounts**: 

• Santander Edge current account,
• Santander Edge Up current account,
• Private Current Account (v2)

You also won’t be charged a foreign currency conversion fee with the Zero debit card (which is not available to new customers).

The table below shows the charges on our cards when used abroad

*We won't charge you when you use your personal debit card to make withdrawals at Santander cash machines abroad. You'll find our cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA. Make sure you choose to pay in the local currency to avoid being charged any other fees.

**We won’t charge you for using your Santander Edge, Santander Edge Up or Private Current Account (v2) debit card to withdraw cash and make payments abroad. The 0% foreign conversion fee is applied 3 working days after you have opened or transferred to one of these accounts. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable. For more information, take a look at the Fee Information Document for your account. Local banks may charge their own fees when you use one of their cash machines.

Debit Mastercard - Illustrative Cost Examples based on a €100 (Euro) transaction

Visa - illustrative cost examples based on a €100 (euro) transaction.

For all other cards not shown here, please refer to your Key Facts Document (KFD).

^ Mastercard exchange rate of €1 = 0.86068 as at 1 June 2023 ^^ Visa exchange rate of €1 = 0.866278 as at 1 June 2023 ^^^ The 0% foreign conversion fee is applied 3 working days after you’ve opened or transferred to one of these accounts. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. This fee is non-refundable. For more information, take a look at the Fee Information Document for your account. Local banks may charge their own fees when you use one of their cash machines.

The exchange rates reflect the rate applicable when the payment scheme (Visa or Mastercard) processed the transaction and not the date on which the transaction took place.

Remember to pay using local currency

When you use your card abroad, retailers will often give you the choice of paying in either the local currency or pounds. Always choose to pay using the local currency unless you're sure the exchange rate is more favourable. If you choose pounds, the retailer will handle the conversion and may charge you a fee.

We will convert the foreign currency using the exchange rate set by Visa or Mastercard (subject to card type) on the date the transaction is charged to your account, together with any applicable foreign usage fees as set out in the table above.

The exchange rate used may differ from the rate that applied on the actual date of the transaction as exchange rates vary on a daily basis. The exchange rate used when the transaction is processed and the amount of the transaction in sterling after the application of the exchange rate will be detailed on your statement.

Using your card abroad calculator

You can use our calculator to see daily exchange rates and calculate the total cost of using your Santander debit or cash card abroad. For EEA currencies you’ll also be able to see how this compares to the ECB exchange rate.

• All main adult bank current accounts can benefit from fee-free cash machines withdrawals at Santander branded cash machines in Spain, Germany, Poland, Portugal, Argentina, Brazil, Chile, Mexico, Puerto Rico, Uruguay, and the USA, when using a Santander personal debit card and choosing the local currency.
• Daily cash withdrawal limits apply. Please see the General Terms & Conditions for full details (pdf) (289 KB)

Fees and charges abroad - credit card

This depends on which credit card you hold with us and which type of transaction you make. The two kinds of transactions are:

Making a purchase abroad or online in a currency other than sterling to buy goods or services.

Withdrawing money (foreign currency) and buying traveller's cheques - withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Mastercard/Visa sign) in a currency other than sterling. Please note there is no interest free period on cash withdrawals and interest will be charged from the date of withdrawal.

What are the charges?

When you use your card abroad you may be charged a non-sterling transaction fee or a cash transactions fee, depending on if you’re making a purchase or withdrawing money.

The table below shows the charges on our credit cards when used abroad.

Illustrative cost examples based on a €100 (Euro) transaction if using the Santander Edge, 1I2I3, All in One or Santander World Elite Credit Card

Illustrative cost examples based on a €100 (euro) transaction if using the everyday no balance transfer fee credit card or everyday long term balance transfer credit card, for all other cards not shown here, please refer to your key facts document.

^Mastercard exchange rate of €1 = 0.86068 as at 1 June 2023

The exchange rates reflect the rate applicable when the relevant payment scheme (Mastercard or Visa) processed the transaction and not the date on which the transaction took place.

You can use our calculator to see daily exchange rates and calculate the total cost of using your Santander credit card abroad. For EEA currencies you’ll also be able to see how this compares to the ECB exchange rate.

A daily cash withdrawal limit of £300 applies, unless otherwise advised.

Ordering your travel money

Over 60 currencies available from Australian Dollars, Euros, United States Dollars to Vietnamese Dong. 

Order before 3pm on a working day and we’ll aim to deliver your money the next working day to your home. You can also choose a Saturday delivery for an additional fee (Sunday deliveries aren’t available). 

Using the online form below you’ll see our conversion rates and, if you’re happy, you can order immediately with your Santander debit or credit card – commission free.

We don’t provide Traveller’s Cheques.

Order your travel money online

Arranging your travel insurance

Enjoy your time away knowing you and your family are covered.

Whether you're planning a journey for yourself or with your family, we can provide comprehensive travel insurance to give peace of mind in the event of a health or medical emergency, lost baggage or travel delays.

If you’re a Santander customer you’ll get a 30% discount if you apply online.

Santander Travel Insurance is provided by Chubb European Group SE (CEG).

Find out more about travel insurance

Using our mobile banking app abroad

Using Mobile Banking on your phone or device is an easy way to track what you're spending during your trip. Check the latest transactions and balances, transfer money and even report a lost or stolen card.

We recommend connecting to local Wi-Fi hotspots when using Mobile Banking abroad to avoid roaming data charges. Using the app through your mobile's 3G or 4G signal may incur charges, so please check with your mobile provider if your device is set up to use (has 'roaming') in the country you're visiting and what your charges may be.

Learn about Mobile Banking with us

Stay up-to-date with alerts

Our free text and email alerts let you stay up-to-date with what's happening in your accounts while you're away.

Learn more and how to set up your alerts

Ask us a question

When logged into Mobile or Online Banking, Sandi, our digital assistant, can help get the answers you need

Do your banking online

Ways for you to manage your money without leaving home

How to Set Up Credit Card Travel Notifications

Putting a travel notification on your credit card may prevent a major travel headache.

Set Up Credit Card Travel Notifications

Getty Images

Travel notifications prevent a credit card issuer from flagging a purchase you make out of the country as fraudulent.

You might be ready for an upcoming trip, but is your credit card? Depending on your card issuer, you might need to set up a travel notification for your account.

Adding a card travel notification is easy. For most credit cards, you'll follow these steps:

• Call your credit card company, log in to its website or access its app.
• Share your travel dates and locations, if applicable.
• Submit and verify your travel notification.

This will help you avoid potential hassles and embarrassing situations when you're away.

What Are Travel Notifications?

A travel notification is essentially a setting you activate on your credit card account. "Basically, you're just telling the credit card issuer you're going to be using the card outside of the normal places you (use it). That way, they don't think someone stole your credit card," says Simon Zhen, research analyst at personal finance website MyBankTracker.com.

If you're on a road trip, you could make a card purchase in one town and then try to shop in another distant location but have your card rejected. Dan Hanks, senior vice president of credit card loyalty and servicing at PNC Bank, says if a transaction appears to be fraudulent, it may be declined, even if it is a legitimate purchase. Purchase location is just one factor credit card companies consider when flagging fraudulent transactions .

"If a customer suddenly starts using a card in a place they've never been, especially in another country, it doesn't mean we'll decline them, but it increases the chance we might stop the transaction if we think it's fraud," Hanks says.

Transactions may be marked as fraudulent and your card deactivated as a precaution, particularly if your issuer can't reach you to confirm them. If you only bring one credit card on your trip, you may have a major problem on your hands. Luckily, setting up a travel notification before you leave is an easy solution.

How to Set Up Travel Notifications

A travel notification usually requires you to provide your planned destinations and trip dates to your credit card issuer. With that information, the issuer has more knowledge to weed out fraudulent transactions from legitimate ones.

You usually have a few options to set up a travel notification. First, you can call the card issuer. "Look on the back of the card, and you can find the phone number to call. You just tell the customer service rep that you'll be traveling," Zhen says. If you prefer digital communication, you can typically set up a travel notification through the credit card company's website or app.

Each credit card company has its own travel notification policies. While many companies allow you to set up travel notifications, others may not need you to tell them about your travel plans. Below are the policies of major credit card issuers:

American Express does not request travel notifications, citing industry-leading fraud detection capabilities.

Bank of America allows you to create a travel notice up to 60 days before your trip, and it can last up to 90 days from the first day of your excursion. With one travel notice, you can set up multiple itineraries for various cards. You must provide Bank of America a contact number for when you're away from home. You can also supply details about where you'll be staying, any planned layovers and other information that may help the company monitor your account for fraud while you're traveling.

According to Barclays , a travel notification is not mandatory, but it could be wise to avoid declined purchases simply because you are traveling abroad or to a different part of the U.S. Contact the bank by phone, or access your account online or with the Barclays app to set up a notification. If you will be traveling for more than 365 days, connect with the bank by phone to set up a notification.

Capital One doesn't need notification of travel plans because of the added security of the bank's chip cards.

Chase lets you set up a travel notification up to a year before your trip. The notification can last up to 90 days. You can apply the notification to multiple cards simultaneously and list multiple destinations.

Citi permits you to add a travel notification up to 180 days before your journey and up to 89 days after your trip begins. You can set the notification for more than one card and report several destinations with one travel notification.

Discover advises setting up a notification before you embark on a trip abroad. Your travel start date can be up to 24 months in the future, and travel notifications can last up to 24 months.

PNC Bank suggests notifying it of the locations and dates of your planned travel to help eliminate phone calls to confirm your account activities. You can create travel notifications up to two years before you depart, and notifications can last up to 30 days. If your travel plans exceed 30 days, you can set up more than one travel alert.

USAA recommends a travel notification to reduce the chance of your card being blocked or flagged for unusual activity. You can set up a notification up to one year before your trip, and the notification will last up to one year from your departure. USAA does not request travel destinations.

U.S. Bank allows you to establish a travel notification for any trip within the next 90 days. Notifications can last up to 90 days. If your travel plans exceed 90 days, you can set up an additional notification at a later date.

Wells Fargo favors notification of when and where you plan to travel. Wells Fargo's travel notifications do not have any time-based restrictions, so you can set up your travel alert for as long as you'll be away and not have to set up subsequent ones.

Overall, setting up a travel notification doesn't have a downside for the customer, Hanks says. Making travel notifications easy to activate is in a credit card company's best interest. And notifications reduce the chance that a real transaction may be classified as fraudulent, which makes everyone happier.

Don't Forget About Debit Cards

"Some people set up a travel notification on a credit card but forget to set one up on their debit card," Zhen says.

While credit cards offer many protections that can be useful when traveling, especially abroad, some people may still plan to use their debit cards. If you do, make sure you set up a travel notification on your debit cards, too, so your purchases on those cards don't get flagged as fraudulent transactions when you're on your next trip.

Tags: credit cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

8 WAYS TO PROTECT YOUR MONEY WHEN TRAVELING

Going on vacation should be a relaxing and enjoyable time. After all, you get to see new and exciting places, disconnect from the mundane of everyday life, and maybe experience new things.

Unfortunately, it’s all too easy to stand out as a tourist and let our guards down. When you do, you make yourself the perfect prey to pickpockets and thieves. Even worse, is that we often realize this after the fact, after the damage is done and our finances and identity have been compromised.

Thankfully, there are preventative measures you can take to protect your money and personal information. Instead of having your trip ruined, try these eight ways to protect your money when traveling.

1. Let Your Bank Know

Before leaving on vacation anywhere, it’s always a good idea to alert your bank and credit card companies beforehand. Let them know where you’re going and how long you’ll be gone for.

This way, the banks won’t deem any purchases you make while traveling as “unusual activity”. When this happens, your cards will be frozen and you might find yourself without money. Moreover, it may make your bank jump into action quicker should your cards get stolen or lost while you’re gone.

2. Go with the Bare Minimum

During your normal, everyday activities, you likely carry an array of items in your wallet. You probably have multiple credit and debit cards, cash, and multiple forms of ID. However, if you’ll be traveling, it’s a good idea to travel a little more lightly.

Bring only the forms of currency you know you’ll actually use and be sure to leave any document that has your social security number on it at home. If you do bring your debit card, it may also be a good idea to store it safely in another spot. If that gets stolen, your account is highly compromised.

3. Make Copies

Before heading off on your trip, make sure make copies of all your important documents. Have extras of your driver’s license, passport, and even your credit and debit cards. It may also be a good idea to write down your account number and the contact information for your bank. Leave a copy of these items with a friend or family member and email a set to yourself. That way, if something does happen, you’ll be able to prove your identity and quickly cancel anything that was stolen.

4. Don’t Keep Everything in One Place

While you’d normally keep all your currency and identification in one place, you may want to think twice when you’re traveling. This is especially true when it comes to cash.

Store some cash in your wallet and keep the rest in a safe place, think the safe in your hotel room. That way if you do get pick pocketed, everything won’t be lost. That being said, however, be sure not to leave any cash in your checked luggage. If it gets lost, you’ll be out that amount.

5. Be Wary of ATMS

If you find yourself in need of cash while traveling, it’s important to make yourself wary of where you get it. Steer clear of stand-alone ATMs that aren’t located in or near a bank, as they’re more easily surveyed and tampered with.

Furthermore, always be sure to carefully examine the ATM as well. Make sure nothing looks loose, altered, or broken on the machine. That could be a sign that it’s been tampered with.

6. Opt for Credit Cards

Your debit card is a direct access to your bank account, which is why it greatly puts you at risk if it’s stolen. Thieves would have immediate access to your account. Plus, it can take a much longer period of time to have your money reimbursed. And you’ll be without access to the account should it be compromised.

This is why you should opt to use a credit card instead. They’re generally safer when traveling since the money won’t immediately be withdrawn from your account, and they tend to have better legal protection as well.

7. Opt for Alerts

This is generally a good idea even for every day monitoring to protect your money. However, if you haven’t signed up to receive alerts on your account, definitely do so before traveling. By doing so, you’ll be alerted via text or email of irregular activity or when a transaction has been made that’s higher than a certain amount. You’ll be able to keep a watchful eye on your account and be able to immediately alert the bank should fraudulent activity take place. All in all, account alerts can help you drastically keep any possible financial damage at bay.

8. Don’t Leave Valuables Vulnerable

Whenever you’re traveling, always err on the side of caution. Don’t put your wallet in an obvious and easily obtainable place, such as your back pocket or the front pocket of your purse. It may be a good idea to carry a money belt in lieu of a wallet or purse to ensure your money’s safety. Always make sure it’s somewhere a thief couldn’t easily get to it.

Moreover, if you do leave items in your hotel room, be careful as to where you keep them. Don’t leave all your cash and cards in one spot or in the same pocket of your bag. Lock it up in the safe or find a better place to put it. Or, you could opt to divide it up and carry it discretely on your body.

It may seem like a hassle to take a lot of precautions when traveling, but you’ll be glad you did. While having your information or financial materials stolen never seems like it’ll happen to you, it’s unfortunately all too easy for some thieves, and in an instant all your valuables could be gone. Don’t let yourself fall victim to a pickpocket. Take the proper precautions and always be aware of your surroundings. By doing so, you’ll put your mind at ease and be able to fully enjoy your vacation.

This article was written by Kayla Sloane from Everything Finance and was licensed from NewsCred, Inc. Santander Bank does not provide financial, tax or legal advice and the information contained in this article does not constitute tax, legal or financial advice. Santander Bank does not make any claims, promises or guarantees about the accuracy, completeness, or adequacy of the information contained in this article. Readers should consult their own attorneys or other tax advisors regarding any financial strategies mentioned in this article. These materials are for informational purposes only and do not necessarily reflect the views or endorsement of Santander Bank.

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How To Communicate With Your Bank When You Travel

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You’re checking in at a hotel for a weeklong stay at a luxury resort across the world, or across the country, and the agent at the front desk informs you that your credit card has been declined. How can that be, you wonder? You have plenty of credit available, and your monthly Netflix charge is the only action this card ever sees.

Given the sparse use of the card and the lack of any prior travel purchases, your issuer flagged your account for potential fraud. That leaves you stuck in an embarrassing situation at the desk, along with a problem you must fix before your vacation can proceed.

Financial institutions employ a mix of algorithms and artificial intelligence to keep your account safe, and atypical transactions or expenditures could raise suspicion — and be declined — if they don’t fit a pattern of previous purchases. That’s why some banks advise you to notify them if you’re traveling out of your home region or making an unusually large purchase, even in your own ZIP code, to assure the transaction will occur without a hitch.

Notifying Your Card Company

When you’ve confirmed your travel dates and destinations, many banks advise that you take the extra step of notifying your credit card company of the details so that you can travel confidently. Wells Fargo, for one, recommends calling to speak with a customer service representative or adding your travel plan via your online account or mobile app. Citizens Bank, U.S. Bank, Citi and PNC Bank are among other banks that accept travel notifications online.

However, a growing number of major banks no longer advise letting the bank know of your travel plans because of their own increased security measures, with Bank of America, Chase and Capital One among them.

“With the added security of your Capital One chip card, travel notifications are no longer needed on your credit card,” reads a notice posted to Capital One cardholders. “You don’t have to tell us when and where you’re traveling, inside or outside the United States. Your credit card is 100% covered for fraud while you’re traveling and we will alert you if we see anything suspicious.”

Taking Extra Steps Before Travel

One area where the banks agree is the need to update your mobile account before your departure to keep your account secure while traveling. With 89% of respondents in the Insider Intelligence’s Mobile Banking Competitive Edge Study saying they use mobile banking, the majority of credit card holders can help themselves.

Banks, such as Capital One and Bank of America, advise making sure your contact information is up to date. If your cellphone won’t work internationally, it’s vital to have a current email address on file — and be sure to monitor the account. Then, set your account to receive alerts in case the bank needs to notify you about activity on your card. With many card issuers, you can sign up to receive instant notifications of purchases to help you stay on budget — and also to remain confident that no one else has tapped into your account.

Through mobile banking, you also may freeze your account should you misplace your card while traveling.

Following Other Travel Tips

Wells Fargo recommends traveling with two credit cards — one you carry with you as your primary mode of spending and a secondary that you keep secured in a separate place in case you lose or experience another problem with your main card. Also, make note of the bank’s international customer service number should you need to get in touch while on the road and store it with your passport, per Wells Fargo. The number likely is on the back of your card.

Bank of America also recommends making two copies of your credit cards, as well as your passport and other travel documents. Take a copy with you on your trip and store it in a secure place; leave the second one with a relative or trusted friend. Or, upload photos of them to the cloud to access your data from abroad. So far from home, it’s wise to have access to this vital information in the event of loss, theft or another unforeseen event.

If in doubt about your bank’s preferences when it comes to hearing your travel plans, reach out and ask, either in person with your teller, by telephone or via online chat. The adage “better safe than sorry” certainly applies here.

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Do i need to notify a credit card company when traveling.

If you have planned travel coming up, alerting your credit card issuers about your vacation plans can help to ensure that your charges aren't declined when you arrive. Here's how you can prepare yourself and your credit card for your next trip.

What is a credit card travel notice?

A travel notice is an alert to your credit card issuer that you'll be going on a trip to a different location. By giving this notice in advance, you're letting your credit card company know that you may be making charges from a different state or country.

Why should you notify your credit card company  of travel?

Credit card companies check cardholders' accounts for any unusual or suspicious activity when a transaction occurs. If your company sees a charge from a location away from home, your issuer may think this is suspicious activity and decline the charge. If you're visiting a country or location where fraudulent charges occur more often, the chances of your credit card getting declined are higher when you don't alert your credit card issuer about your travel.

Do you need to notify your credit card  company?

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you. Check with your credit card issuer to see if they have travel notification capabilities.

Traveling outside your city

If you're traveling to an area not far from home, it's unlikely that any credit card charges will be declined, so setting a travel notification may not be a necessity.

Traveling outside your state

As you travel further from home, the chance of charges being declined is higher. If you're visiting another state, you can notify your credit card company that you're going away to avoid any hassles as you travel.

Traveling outside your country

You should definitely consider filing a travel notice for every trip outside your country. If you don't file a travel alert with your card issuer, your credit card may get declined and you might need to contact your credit card company to approve your transactions. If you're in a different country you may have trouble with making an international call, an inconvenience that can prevent you from authorizing your charge and enjoying your trip.

Which credit cards require a travel notice?

Not all credit card companies recommend that you set a travel notice before you go away, including those with EMV chips that may provide added security when you travel. If your credit card doesn't have an EMV chip, you should contact your bank before you leave to make sure your trip goes smoothly.

Multiple credit cards

If you own multiple credit cards, you should set travel notifications for each of the cards you plan to use on vacation. Even if you plan to use one of the cards only in case of emergency, set a travel alert for it just in case.

Risks of not filing a credit card travel notice

If you don't give your credit card issuer a travel notice, the company won't know that you'll be making purchases in a new location. If the company starts to see charges on your credit card from a different state or country, it may flag these transactions as fraud. The credit card issuer may then put your account on hold and prevent you from making any purchases until you can authorize the charges.

Once a credit card is declined, the cardholder has to call the issuer or provide an app verification in order to prove that the purchase made was authorized. You may have difficulties contacting your bank for various reasons, such as if your vacation spot has bad cell service or if you didn't set up international calling for your phone plan. Notifying your credit card company before you leave on vacation will help you avoid this hassle.

How to notify your credit card company of travel

You can notify your credit card issuer about your vacation over the phone, online, through a mobile app or in person. You can also contact your credit card issuer to get a better understanding of how to set a travel notice.

Setting your travel notice online or through a mobile app

Setting your travel notification online or through an app can be easier than speaking with customer service, depending on your preferences. Log into your account on your credit card company's website or app and search for “travel notice" options. If you're unable to find where to set your travel notice, get in contact with your credit card issuer.

Setting your travel notice over the phone or in-person

To set a travel alert for your credit card over the phone, call the number on the back of your card to get in touch with your bank. The customer service line will either let you speak to a representative on the phone or work with an automated system. If you have any questions or concerns about your travel notice, calling your credit card company is a good method to set the notification.

If you want to set your travel notice in person, go to your nearest branch to meet with a representative. Meeting face-to-face gives you the chance to ask any questions you might have.

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Knowledge base, how do i add, edit, or delete a travel notification on my card.

If you're traveling anywhere within the United States, there's no need to let us know. We'll continue to monitor your account for fraudulent activity. 

If you're traveling internationally and expect to make charges, let us know ahead of time through digital banking. You can:

• Add the notification(s) as much as 90 days before your travel date.
• Edit or delete notifications as many times as you'd like.
• Add multiple trips or destinations, as long as the dates for each don't overlap.

Letting us know you're traveling internationally will helps us protect you against potentially fraudulent activity.

How to add travel notifications using Online banking

• Choose an account from your dashboard then select the Account services tab. 
• Select Travel notifications from under Alerts & notifications .
• Choose  Add a trip  or if there's a previously entered notification you want to modify, select  Edit trip  or  Delete trip.
• Enter another country, then choose Add to include up to five destinations. 

How to add travel notifications using the U.S. Bank Mobile App

• Open the main menu then select  Manage cards.
• Select the card you'll be traveling with, then  Travel notification.
• Select  Add trip,  or if there's a previously entered notification you want to modify, select  Update trip  or  Delete trip.
• Select + Add destination to up to five countries.  

More information

If you have any questions, please call us. We accept relay calls. 

• Debit cards: 800-USBANKS (872-2657)
• Consumer credit cards: 800-285-8585
• Business credit cards: 866-485-4545

Please be aware transactions in the following countries cannot be approved due to current sanctions:

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• Burma (Myanmar)

To freely explore our digital banking services without using your own account, visit our  Digital Banking Simulators  page. If you'd like a step-by-step tutorial on how to use a specific service or feature, check out our  Digital Explorer  page.

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Do You Need To Set Up a Travel Notice for Your Chase Credit Cards?

Katie Seemann

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Why Would You Want To Notify Chase of Your Travels?

Personal chase credit cards with no foreign transaction fees, business chase credit cards with no foreign transaction fees, final thoughts.

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If you aren’t a frequent traveler, you might be wondering about everything you need to do to prepare for a trip abroad. Of course, you’re considering what to pack and whether or not you should buy travel insurance , but what about your bank?

One of the things you might want to think about is adding a travel alert notification to your credit cards. While this isn’t required, it has historically been helpful to avoid the unnecessary hassle of credit card problems while traveling.

In this post, we’ll talk about setting up a travel notification on your Chase account , whether or not it’s even necessary, and how to avoid foreign transaction fees when using your Chase credit cards abroad.

So, why would you even want to add a travel notification to your accounts in the first place?

Previously, charges from outside the U.S. could trigger a fraud alert, which would temporarily shut down your credit card even if you were traveling abroad. That’s not a great way to start a vacation.

An easy way to avoid that risk was to place a simple travel notification on your Chase account. This allowed your Chase credit cards to be used outside the U.S. without problems.

Thankfully, it’s no longer necessary to set up a travel alert notification with Chase when you’re planning to travel outside the U.S.

Previously, you’d set up a travel alert on your Chase account online or through the Chase mobile app.

You would do this by going to your account, clicking on Profile & settings , navigating to Account Settings , and then clicking Travel .

Now, when you follow those same steps, you get a message from Chase saying that it’s not necessary to set up a travel alert notification anymore .

Setting up a travel alert notification on your Chase account is no longer necessary when you’re planning to travel outside the country.

How To Avoid Foreign Transaction Fees

While you no longer need to set up a travel alert for your Chase credit cards, choosing the right credit card is important to avoid foreign transaction fees.

Certain cards carry a 3% foreign transaction fee anytime you use them outside the U.S. The good news is plenty of cards waive this fee — just be sure to know which cards have no-additional fee and try to use only those on your trip.

Multiple Chase credit cards waive the standard 3% foreign transaction fee. Be sure to carry at least 1 of these while traveling abroad.

The following Chase credit cards do not have any foreign transaction fees :

• Aer Lingus Visa Signature ® Card
• Aeroplan ® Credit Card
• Amazon Rewards Visa Signature Card
• British Airways Visa Signature ®  Card
• Chase Sapphire Preferred ® Card
• Chase Sapphire Reserve ®
• Iberia Visa Signature ®  Card
• IHG One Rewards Premier Credit Card
• Instacart Mastercard ®
• Marriott Bonvoy Bold ® Credit Card
• Marriott Bonvoy Boundless ® Credit Card
• Marriott Bonvoy Bountiful™ Credit Card
• Prime Visa card
• Southwest Rapid Rewards ® Priority Credit Card
• Southwest Rapid Rewards ® Premier Credit Card
• The World of Hyatt Credit Card
• United Club℠ Infinite Card
• United℠ Explorer Card
• United Gateway℠ Card
• United Quest℠ Card
• IHG One Rewards Premier Business Credit Card
• Ink Business Preferred ® Credit Card
• Ink Business Premier ® Credit Card
• Southwest Rapid Rewards ® Performance Business Credit Card
• United℠ Business Card
• United Club℠ Business Card
• World of Hyatt Business Credit Card

Adding an alert to your Chase account before you travel internationally is no longer needed. While this used to be a way to let Chase know you would be out of the country so international activity on your card wouldn’t trigger a fraud alert, today’s more sophisticated technology makes this step unnecessary.

The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bountiful™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

How do i set up a travel alert with chase.

You don’t. Setting up a travel alert with Chase is no longer necessary.

Do I have to let Chase know that I am traveling?

No, letting Chase know when you travel internationally is no longer required. It used to be common practice to set up a travel alert so international charges didn’t trigger a fraud alert on your credit cards, but today’s more sophisticated systems have made this step unnecessary.

Does Chase no longer require travel notice?

That’s correct. Chase doesn’t require a travel notice at all anymore. The ability to set up a travel notice on Chase’s website has been removed.

Do I need to notify Chase of International travel?

No, it’s no longer necessary to notify Chase of any upcoming travel, including international travel. The ability to add a travel alert notification has even been removed from Chase’s website.

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About Katie Seemann

Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.

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These business conduct standards mandate that Santander provide certain disclosures of material information at a reasonably sufficient time prior to entering into a swap or SBS transaction with its swap counterparties (other than counterparties that are swap dealers, major swap participants, SBSDs or major SBS participants (“ Regulated Swap Entities ”)) to allow the counterparty to assess the material risks and material characteristics of the swap or SBS and the material incentives and conflicts of interest that Santander may have in connection with the swap or SBS.

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• ISDA-General-Disclosure-Statement (November 2023)

relating to particular swap and SBS transaction types, which describe the following:

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The terms of any Transaction that you and we enter into will be set forth in the confirmation or other agreement evidencing the Transaction, including any terms incorporated by reference therein. Subject to the exceptions described below, any Transaction that you and we enter into will have the terms that you and we expressly agree upon (orally, via email or in any other manner) in connection with the Transaction and other terms determined as follows:

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The description above of the manner in which the terms of any Transaction that you and we enter into will be determined is subject to the following important exceptions.

(A) If you and we enter into a Transaction that is cleared through a clearing organization or clearing agency or executed through an execution facility that prescribes the terms of the Transaction, the Transaction will have the terms specified by the applicable clearing organization or clearing agency or execution facility and, subject to the rules of the clearing organization or clearing agency or execution facility, any additional terms that you and we expressly agree upon in connection with the Transaction.

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Underlying specific terms:

• Rates: MarkitSERV – Material Economic Terms for Rates  * Non-MarkitWire METs  * 2006 ISDA Definitions  ** 2021 ISDA Interest Rate Derivatives Definitions **  
• Credit MarkitSERV – Material Economic Terms for Credit  * Non-MarkitWire METs  * 2003 ISDA Credit Derivatives Definitions  ** 2014 ISDA Credit Derivatives Definition  **  
• Equities: 2002 ISDA Equity Derivatives Definitions  ** User’s Guide to the 2002 ISDA Equity Derivatives Definitions  ** Confirmations for use with the 2002 ISDA Equity Derivatives Definitions  ** 2006 ISDA Fund Derivatives Definitions  ** 2011 ISDA Equity Derivatives Definitions and Appendix  **  
• FX: 1998 FX and Currency Option Definitions  ** User's Guide to the 1998 FX and Currency Options Definitions  ** Compendium of Amendments to Annex A to the 1998 FX and Currency Option Definitions  ** EMTA Template Terms – FX and Currency Derivatives Templates EMTA Template Terms for Non-Deliverable FX Forward Transactions, Non-Deliverable Currency Option Transactions and Non-Deliverable Cross Currency Transactions for various currency pairs are set here . These Template Terms, in each case, are the terms currently recommended by EMTA for forwards, options and cross currency transactions for each such currency pair. The Template Terms are not intended to be a substitute for a confirmation, but are intended to reflect market consensus on material non-trade terms that may be incorporated into a trade confirmation, unless otherwise agreed by the parties. (*)   To request the password please contact  [email protected] (**) No ISDA Document may be reproduced or distributed without ISDA’s written permission except the ISDA Master Agreements, ISDA Credit Support Documents and standardized general and product specific risk disclosures published by ISDA, which may be reproduced and distributed solely for use in documenting specific commercial transactions. ISDA holds copyright on certain ISDA Documents and that such works may not be reproduced or distributed without ISDA’s written permission except the ISDA Master Agreements, ISDA Credit Support Documents and standardized general and product specific risk disclosures published by ISDA, which may be reproduced and distributed solely for use in documenting specific commercial transactions. ISDA Content use should be undertaken only after securing appropriate legal advice on its provisions. ISDA makes no warranty, express or implied, concerning the respective instruments’ suitability for use in any particular transaction and bears no responsibility or liability whatsoever, whether in tort or in contract, in respect of any use of these instruments. In no event may any copyright or trademark notice be removed. ISDA, its officers, directors, employees, subcontractors, agents, successors or assigns (collectively “Covered Parties”) shall not be liable to You or any of Your Clients for any loss, injury, claim, liability or damage of any kind whatsoever resulting from, arising out of or in any way related to: (a) any errors in or omissions from the ISDA Content; (b) the Client’s use of the ISDA Content; (c) the Client’s use of any equipment or software in connection with the ISDA Content; or (d) any delay or failure in performance. The aggregate liability of the Covered Parties to a Client in connection with any other claim arising out of or relating to the ISDA Content shall not exceed $500.00, which right shall be in lieu of all other remedies that the Client may have against ISDA. In no event shall the Covered Parties be liable for any special, indirect, incidental or consequential damages of any kind whatsoever (including, without limitation, attorneys’ fees), lost profits or lost savings in any way due to, resulting from or arising in connection with the ISDA Content contained therein, regardless of any negligence of the Covered Parties.

These documents, their contents and any related communication are issued by Santander, exclusively for its trading counterparties falling within the classification of being US Persons under the Dodd–Frank Act or who are trading through a US branch or affiliate of Santander. It is not being distributed to, and must not be passed on to, any other entity or to the general public.

This communication does not constitute or imply any commitment whatsoever on the part of Santander. Any such offer may only be made once appropriate documentation has been negotiated and agreed.

This communication does not constitute a financial promotion or form part of any invitation, offer, or solicitation to buy, sell, subscribe for, hold or purchase any securities or any other investment or to enter into any transaction and under no circumstances is it to be construed as a binding offer to buy/sell any financial instrument. Santander is not acting in the capacity of a financial advisor.

DISCLOSURE OF PRE-TRADE MID-MARKET MARK

Pursuant to the CFTC’s rules, as a registered swap dealer, Santander is required to disclose at a reasonable time prior to a trade, along with the price of the swap, the mid-market mark of such swap ( Pre-Trade Mid-Market Mark ) to any counterparty who is not a Regulated Swap Entity.

Pre-Trade Mid-Market Mark Disclosure To satisfy this requirement, Santander will provide the Pre-Trade Mid-Market Mark to you either:

• in writing via electronic mail or chat (e.g., Bloomberg chat) or any other means of electronic communication.
• orally, including over a phone that is a recorded device, followed up with a post-trade written confirmation (provided that you have either consented in writing or made the relevant election under the ISDA 2012 DF Protocol and Questionnaire to receive oral Pre-Trade Mid-Market Marks).

Election to opt-out from this disclosure Santander will not be required to provide a Pre-trade Mid-Market Mark for certain transactions covered by CFTC no-action letters 12-42; 13-12; 12-58 if a counterparty has agreed in advance, in writing, that Santander need not disclose such Pre-trade Mid-Market Mark. Participants in the ISDA August 2012 DF Protocol may provide notice of such consent through IHS Markit’s Counterparty Manager: ISDA Amend by completing Addendum II to the ISDA August 2012 DF Protocol Questionnaire which is available here .

If you have any questions regarding these materials, please contact your usual Santander representative.

General Information On The Pre-Trade Mid-Market Mark The Pre-Trade Mid-Market Mark does not include amounts for profit, credit reserve, hedging, funding, liquidity, or any other costs or adjustments. Please note that any Pre-Trade Mid-Market Mark Santander provides to you may not necessarily, and would often be expected not to be, a price at which either we or you would agree to enter into or terminate a swap. You should not regard any Pre-Trade Mid-Market Mark that we provide to be an offer to enter into or terminate the relevant swap at that value or price. Furthermore, any margin calls related to swaps may be based on considerations other than the Pre-Trade Mid-Market Mark and the Pre-Trade Mid-Market Mark may not be the value of the swap that is marked on Santander's books. For liquid products, you should regard the mid of bid and offer as our Pre-Trade Mid-Market Mark.

Because a Pre-trade Mid-Market Mark does not include amounts for profit, credit reserves, hedging, funding, liquidity and other relevant costs, reserves and adjustments, it is highly likely to differ from the price at which Santander is willing to enter into the relevant proposed swap. That difference is not indicative of the profit, if any, that Santander will realize from the relevant proposed swap, which will be dependent on a number of variables including, without limitation, price volatility, market liquidity and relevant hedging activity, if any, by Santander.

Each Pre-Trade Mid-Market Mark is provided solely for the information of the counterparty to the swap and is not intended for the benefit of any other party.

Unless otherwise indicated, all Pre-Trade Mid-Market Marks are provided in the same currency as the live trading price quoted to you by Santander.

The Pre-Trade Mid-Market Mark for a swap can change from day to day as a result of changes in the relevant economic markets.

A swap’s value may not be readily observable in the market and is therefore subjective. Accordingly, Santander's Pre-Trade Mid-Market Mark may vary significantly from the pre-trade mid-market mark provided by other market participants for a swap.

To the extent that the Pre-Trade Mid-Market Mark may be based on inputs or information obtained from external sources, Santander believes any such sources to be reliable but makes no representations or warranties with respect to the accuracy, reliability or completeness of such data or information, or the resulting Pre-Trade Mid-Market Mark. Swap prices will also vary among swap participants based on the various inputs used by market participants in quoting and executing swaps, such as costs to cover the transaction risk, profits, credit spreads, underlying volatility and credit support terms.

In certain cases, the Pre-Trade Mid-Market Mark will be provided to you by the electronic platform on which you may execute your swap transactions (such as in the case of certain FX execution platforms).

Santander makes no representations or warranties that any Pre-Trade Mid-Market Marks are suitable for complying with any financial or tax reporting obligation, determining net asset value, computing any tax liability or any other purpose and, except as otherwise agreed, Santander disclaims any liability for all loss or damage (whether direct or indirect, incidental or consequential) for any such use or reliance by you. Please note that Santander is under no obligation to provide you with any Pre-Trade Mid-Market Mark for an SBS.

DAILY MARKS

Santander is required to provide daily marks to you in accordance with CFTC Rule 23.431(d)(2) and SEC Rule 15Fh-3(c)(2) in respect of uncleared swaps and SBS. For cleared swaps originally executed between you and Santander, you have the right, upon request, to receive a daily mark from the futures commission merchant through which you clear such cleared swap or the relevant derivatives clearing organization (“ DCO ”) or another third party in accordance with CFTC Rule 23.431(d)(1). For cleared SBS originally executed between you and Santander, Santander will provide to you upon request, for the life of the SBS between Santander and you until such time as the SBS is terminated upon the novation and termination as part of the clearing process, the daily mark that Santander receives from the appropriate clearing agency, or Santander will arrange for the clearing agency, clearing member, or other agent to provide the daily mark to you directly.

For both cleared and uncleared SBS, Santander will provide the daily mark free of charge and without restrictions on your internal use.

Santander (in its sole discretion) determines the mid-market mark of the swap or SBS based on market-standard discounted cash flow methodologies combined with market-standard net-present-value derivative valuation models. The value of a swap or SBS may not be readily observable in the market and is therefore often subjective. Accordingly, Santander’s daily mark may vary significantly from the daily mark provided by other market participants for a swap or SBS. To the extent that such marks may be based on inputs or information obtained from external sources, Santander believes any such sources to be reliable but makes no representations or warranties with respect to the accuracy, reliability, or completeness of such data or information, or the resulting daily mark.  

Unless otherwise agreed with Santander in writing, any daily marks provided by us to you will be calculated by Santander as of the close of business on the prior business day. 

Pursuant to CFTC Rule 23.431(d)(2) of the CEA, the daily mark for swaps is exclusive of several additional factors that may influence our pricing of swaps, namely, profit, credit reserves, hedging costs, funding and liquidity or any other costs or adjustments.

SCENARIO ANALYSIS

Santander discloses to you that pursuant to CFTC Rule 23.431(b), for any swap transaction that is not “made available for trading” on a designated contract market or swap execution facility under CEA Section 2(h)(8), you can request, and consult on the design of, a scenario analysis to allow you to assess your potential exposure in connection with a swap.

CLEARING RIGHTS AND NOTICE

Pursuant to CFTC Rule 23.432 and SEC Rule 15Fh-3(d)(1), with respect to any swap or SBS that is subject to the mandatory clearing requirements under Section 2(h) of the CEA or Section 3Ca-1 of the SEA, you have the sole right to select the DCO or clearing agency at which the swap or SBS will be cleared; and with respect to any swap or SBS that is not subject to such mandatory clearing requirements, you may elect to require clearing of the Covered Product and you have the sole right to select the DCO or clearing agency through which the Covered Product will be cleared.

A list of all clearing agencies that accept SBS is available at: https://www.isda.org/2021/05/03/current-security-based-swap-clearing/ . The list of clearing agencies for which Santander has clearing privileges for certain products includes: ICE Clear Credit and ICE Clear Europe.

You are hereby notified that, upon acceptance of a swap or SBS by a DCO or clearing agency, the original swap or SBS between Santander and you is extinguished; the original swap or SBS between Santander and you is replaced by an equal and opposite swap or SBS with the DCO or clearing agency; and all terms of the swap or SBS shall conform to the product specifications of the cleared swap or SBS established under the DCO or clearing agency’s rules.

SPECIAL ENTITIES

If you are an employee benefit plan defined in Section 3 of ERISA that is not subject to Title I of ERISA, you have the right to elect to be treated as a special entity pursuant to CFTC Rule 23.401(c)(6).

If you are an employee benefit plan defined in Section 3 of ERISA that is not subject to Title I of ERISA, you have the right to elect to not be treated as a special entity pursuant to SEC Rule 15Fh-2(d)(4), by notifying us in writing.

SUITABILITY DISCLOSURE

Santander hereby discloses to you (which disclosure is deemed repeated by Santander as of the occurrence of each communication between Santander and you regarding a swap or SBS) that Santander is acting in its capacity as a counterparty and is not undertaking to act in your best interest or to assess the suitability of any swap or SBS or trading strategy involving a swap or SBS for you.

INITIAL MARGIN SEGREGATION NOTICE 

For swap transactions not submitted for clearing, pursuant to CFTC Rule 23.701, you have the right to require that any initial margin you provide in connection with the swap be segregated in accordance with CFTC Rules 23.702 and 23.703. This right does not apply to variation margin payments. If you elect segregation, the terms of such segregation must be established by written agreement. Your election may be changed at your discretion upon written notice, and any such changed election will supersede any prior election with respect to any uncleared swap that is entered into after delivery of such changed election.

For SBS transactions not submitted for clearing, Santander is not a registered broker-dealer that is subject to SEC Rule 15c3-3 and is exempt from omnibus segregation requirements under SEC Rule 240.18a-4 pursuant to Rule 240.18a-4(f). Santander hereby notifies you that pursuant to SEC Rule 240.18a-4(d) (as required pursuant to section 3E(f)(1)(A) and Section 3E(f)(1)(B) of the SEA), you have the right to require segregation of the funds or other property supplied to margin, guarantee, or secure uncleared SBS in a segregated account at an independent third-party custodian separate from the assets and other interests of Santander and designated as a segregated account for you.  This right to require segregation applies only to SBS that are not submitted for clearing to a clearing agency and does not apply to variation margin payments. Such right is independent of other applicable laws, rules or regulations, if any, that may require segregation of SBS margin or collateral.

Please, click  here  to review the “Non-Reg IM Right of Segregation Notice” document for more details.

Any margin collateral received and held by Santander in respect of uncleared SBS will not be subject to a segregation requirement under SEC Rule 18a-4.  Accordingly, in the event of an insolvency proceeding, receivership or similar process in respect of Santander, absent an effective segregation of such margin collateral from the property of Santander established by contract or other law, such a claim could be treated as a general creditor claim against Santander or its estate.  To the extent that you have posted initial margin to us with respect to uncleared swaps pursuant to § 237.3 (12 C.F.R. § 237.3) of the margin requirements of the Board of Governors of the Federal Reserve System (as amended, supplemented or replaced from time to time) (the “ Fed Margin Rules ”), such margin must be segregated in accordance with § 237.7 (12 C.F.R. § 237.7) of the Fed Margin Rules.  To the extent that you have posted initial margin to us with respect to an OTC derivatives contract not cleared by a central counterparty pursuant to Article 13 of Commission Delegated Regulation (EU) 2016/2251 of 4 October 2016 (as amended, supplemented or replaced from time to time) (the “ EMIR Margin Regulation ”), such margin must be segregated in accordance with Article 11(3) of Regulation (EU) No 648/2012 of 4 July 2012 (as amended, supplemented or replaced from time to time), and Articles 19 and 20 of the EMIR Margin Regulation. 

RESOLUTION AUTHORITY NOTICE

Santander hereby notifies you that Santander is not a Covered Financial Company [2] or an Insured Depository Institution. [3]

If either you or we are (i) a Covered Financial Company or (ii) an Insured Depository Institution for which the Federal Deposit Insurance Corporation (“FDIC”) has been appointed as receiver (a “covered party”), certain limitations under Title II of the Dodd-Frank Act or the Federal Deposit Insurance Act of 1950 may apply to the rights of the non-covered party to terminate, liquidate, or net any swap or SBS by reason of the appointment of the FDIC as receiver, notwithstanding any agreement between you and us. In such case, the FDIC may have certain rights to transfer swaps or SBS of the covered party under 210(c)(9)(A) of the Dodd-Frank Act, 12 U.S.C. § 5390(c)(9)(A), or 12 U.S.C. § 1821(e)(9)(A).  

[1] These disclosures are generally not required for swaps or SBS executed by Santander through a non-U.S. branch or affiliate with non-U.S. persons, but are generally required when SBS trades are arranged, negotiated, or executed by U.S.-based personnel of Santander.

[2] “Covered Financial Company” means a “covered financial company,” as defined in Section 201(a)(8) of the Dodd-Frank Act, 12 U.S.C. § 5381(a)(8).

[3] “Insured Depository Institution” means an “insured depository institution,” as defined in 12 U.S.C. § 1813. 

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How do I submit a travel notification?

You can submit a travel notification through Online Banking or the mobile app ( App Store | Google Play ) to ensure that we don’t block your debit or credit card due to suspicious activity:

• Log into Online Banking or the mobile app ( App Store | Google Play )
• Click Services
• Choose MORE OPTIONS from the drop-down menu
• Select Travel Notification under Card Services
• Then follow the prompts (please list all destinations you may be visiting and any layover cities)
•  Click Submit (once it is submitted, you will receive a secure Message confirmation that it was received)

If you already started your trip, please call 888.723.7328 for assistance.

Note : We do not allow card transactions in countries sanctioned by the U.S. or prohibited by U.S. law.

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Resource Topics   >   Digital banking   >   Setup Account Alerts

How do I set up email and text alerts for my accounts?

To receive alerts via Email/SMS Text, you will first need to activate the service, add a valid email address and/or cell phone number that you would like to use, and accept the Terms and Conditions of the feature.

To Activate Alerts:

• Log in to your account
• From the Navigation menu, under Alerts, select “Manage Alerts”
• Click “Activate” Result: The Alerts Delivery Option Details screen displays
• Select a valid Email Address from the drop-down menu
• Select a valid Cell Phone from the drop-down menu
• Click “Continue” IMPORTANT! An Activation Code will be sent to the cell phone number we have in our records.
• Confirm Alerts Delivery Options
• Enter Activation Code
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• Select “I have read and accept the Alerts Service Terms and Conditions”
• Click “Continue” Result: The following Message displays: You have successfully activated the alerts service with the information shown above. Please, in order to start using the service now you will need to set up your alerts.
• Press "Manage Alerts" button to continue Result: The Manage Alerts screen displays

You will now be able to manage and customize your Online Banking Email & Text Alerts to your liking at any time.

To Manage alerts:

For each alert you choose to enable, you must select a delivery method and confirm the email address and/or cell phone number that will receive the alert.

• Select the account to view and/or modify your alert settings and click “Go”
• Select the Alert(s) you wish to enable
• Under Details, enter the Value amount, if applicable
• Under Delivery Method, select applicable Email Address and/or Cell Phone number.
• Click “Continue”
• Review Alert Details and click “Continue” Result: The following message displays: Confirmation: Your deposit alerts were updated successfully.

IMPORTANT! If the email address and/or cell phone number you want to use for alerts is not listed, you can update your contact information by clicking on the Navigation Menu, selecting My Profile ►Profile Management ►Manage Contact Details.

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How to set up a travel notice on Schwab Mobile

Transcript of the video:

Upbeat music plays throughout

Video intro plays

Narrator: Looking to set up travel notices on one or more of your Schwab issued debit cards using Schwab Mobile?

Screen fades to Schwab home page

Narrator: Travel notices help inform Schwab about activity outside of your usual routine, allowing for more effective monitoring of your account. To get started, navigate to your profile, then tap Manage Cards.

My profile icon is tapped, then Manage Cards is selected

Narrator: Select Set up Travel Notices. Then tap Add Travel.

Set up Travel Notices is selected, then Add Travel is tapped

Narrator: First, select the card that you’d like to add a travel notice for.

A card is selected

Narrator: It’s important to note that if you’d like to set up a travel notice for multiple cards on your account, you’ll need to add them individually. Select Set up Travel Notices, then tap Add Travel.

Narrator: Fill out the relevant details about your travel notice on your screen, then tap Continue.

The travel notice form is filled out, then Continue is tapped

Narrator: Once you confirm that the information you’ve entered is correct, tap Submit Travel Notice and you’re done.

Submit Travel Notice is tapped

Narrator: If you’d like to submit another travel notice, tap on Create Another Notice, otherwise select Done.

Done is selected

Narrator: To delete a travel notice, swipe left on the travel notice you’d like to delete, then tap Delete.

The travel notice is deleted

Video outro plays

Have travel plans? Schwab Mobile makes it easy to set up travel notices on your Schwab issued debit card.

Download Schwab Mobile app App Store® or  Google Play™

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The Travel Sisters

How to complete a bank of america travel notice online.

by The Travel Sisters | Mar 12, 2017 | Credit Cards | 1 comment

One of the things I do before I travel, is to let my banks that issued my credit or ATM cards know that I will be traveling abroad.  While you can call your bank, some banks make it easy to quickly notify them of your travel plans online. Fortunately, Bank of America has an online travel notification form which makes it really easy to let them know of your travel plans.

When Should You Notify Bank of America of Your Travel Plans?

According to BofA, a travel notice can be set no more than 60 days prior to departure and can last for up to 90 days from the first day of your trip. Also, you can only have one travel notice set at a time.

While I usually complete travel notifications only when traveling internationally, the form also allows you to notify Bank of America when traveling to another state in the US. If you will be charging a lot of things on your credit card, it does not hurt to take a minute to complete the form.

How to Set Up a Bank of America Travel Notification Online 

Log into your bankofamerica.com account and hover your mouse over “Help & Support” on the top right.

You will see a few options – click on “Set Travel Notice” and the Travel notification form will come up.

If you click on “Help & Support” you can reach the travel notification form either by clicking on “Set Travel Notice” under  “Common Topics” or by clicking under “Travel Information”:

Complete, the Travel Notice form. You can complete the form for either domestic travel or international travel. The form even has a box where you can provide details of your trip.

While some people don’t notify their banks before travel and they don’t have any issues, I always make sure to complete an online travel notification form online.  It only takes a minute and it is worth it to avoid getting your credit card declined in a foreign country.

Hello this Ysabel and Francisco Collado, we’re going to Europe and want to know we’re we can use atm in Rome to withdraws euro. Also let you guys know we’re goin away.

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