Simple Money Tips for Vacationing Abroad

Preparing your finances before traveling to a foreign country should no longer seem like a foreign concept.  Use these tips to prepare financially for your next globetrotting adventure.

  • Notify your bank or card issuer of travel plans.  Provide each destination and dates of your trip to avoid having your credit card blocked because of suspicious activity. For First Hawaiian Bank credit or debit cardholders, call (808) 844-4444 or toll-free at (888) 844-4444.
  • Bring copies of important documents such as your passport ID page, itinerary, credit cards that you are bringing on the trip, the credit card emergency phone numbers, and your driver’s license or state ID.  If your health insurance provides overseas coverage, then bring a copy of your health insurance card as well.  Store these copies in a secure place like a hotel safe where you can easily access them should you lose your wallet and even consider leaving another set of copies at home with a friend you trust.
  • Check if your credit card charges foreign transaction fees.  Don’t be surprised by foreign transaction fees when you return from your exotic tour around Asia. Many major credit cards will tack on 1%-4% for every foreign transaction, which can quickly add up.  Consider getting a credit card with no foreign transaction fees, such as the Priority Destinations World Elite MasterCard1 that also comes with other perks, such as travel accident insurance and lost or damaged luggage insurance that could come in handy when traveling. 
  • Get the best exchange rates.  Start by looking up what the current rate is online and use that as a point of reference when comparing to exchange rates at banks, post offices, hotels or the airport. 
  • Research your destination.  Besides finding the best restaurants and tourist attractions, learn if there are currency restrictions for entry or exit, vaccination requirements, tourist visa or passport validity requirements to visit the country.  There are some countries that require your passport to be valid for at least 6 months after the dates of the trip. Check the requirements of your destination with the U.S. Passports & International Travel:

1Subject to credit approval. Priority MilesSM have no cash value except as described in the Priority Destinations World or World Elite Program Agreement. See the Priority Destinations World or World Elite Program Agreement for details. For additional information regarding fees and rates, click here. Booking travel subject to availability. First Hawaiian Bank reserves the right to cancel or change the Program at any time without prior notice. MasterCard® is a registered trademark of MasterCard International incorporated. 

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First Hawaiian Bank Wealth Management Group provides financial products and services through First Hawaiian Bank and its broker dealer Raymond James Financial Services. First Hawaiian Bank and its affiliates do not provide tax or legal advice.

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