Tips for using your card abroad
18 June, 2025Tips for Using Your Debit Card Abroad
Planning your next international adventure? Taking your First South Credit Union debit card abroad makes managing expenses easy and secure. However, to get the most out of your card while avoiding unnecessary hassles, it’s important to follow a few simple tips. Here are some essential things to keep in mind.
1) Check for Fees Before You Go
Before you jet off, find out if there are any fees associated with using your First South Credit Union debit card abroad.
The good news? If you’re using your FSCU debit card for euro purchases, there are no additional fees. However, for non-euro transactions, it’s wise to be aware of conversion fees and to use our Currency Conversion Calculator.
Additionally, be cautious of point-of-sale fees or ATM operator charges abroad. While these can’t always be avoided, understanding them in advance can help you make wiser financial decisions.
Pro Tip: The full breakdown of fees for FSCU debit cards is available on our Fees and Charges page. Planning ahead ensures smoother spending while travelling.
2) Notify Us About Your Travel Plans
Before you leave, inform us of your travel plans. This helps us flag any suspicious activity on your account and ensures your card stays active during your trip.
You can notify us easily by calling our card services team, available 24/7, on + 353 (1) 693 3333. Knowing where you’re travelling allows us to protect your funds and ensures that your transactions are seamless, giving you peace of mind as you explore.
3) Use a Secure PIN at All Times
For your safety, always use a secure PIN when using your debit card abroad. A strong PIN protects your account from fraud and unauthorised transactions. Here are some tips to keep your PIN safe:
- Choose a unique PIN that isn’t easy to guess (avoid birth dates or simple sequences like 1234).
- Never write your PIN down or store it on your phone.
- Change your PIN regularly to keep it secure.
You can change your PIN at any ATM if needed. If you forget your PIN while travelling, call the card services team on + 353 (1) 693 3333 for assistance. The team is available 24/7 to help you.
4) Monitor Your Account Balance Regularly
Keeping an eye on your account balance while abroad is key to managing your money and staying within budget. Use our mobile app, available on the Google Play Store and Apple App Store, to check your balance quickly and securely.
Having a clear view of your spending can help you avoid overdrawing your account, especially with fluctuating currency rates. Don’t forget to request receipts for each transaction to keep track of what you’ve spent.
If you’re planning significant purchases or experiences, review your budget ahead of time. This way, you won’t face any surprises when the conversion rates are applied.
Take the Stress Out of Your Next Adventure
Your debit card from First South Credit Union is your reliable travel companion, making international spending simple and stress-free. By following these tips, you can enjoy your holiday without worrying about unexpected fees or complications.
Safe travels and happy exploring!
