Getting cash as a full-time traveler is both essential, and requires careful preparation in case things go south.

I’m in Argentina at the moment, which is quite an interesting place when it comes to cash. Among other things, there are presently only 1,000 notes, worth about a dollar, and everyone carries wads of cash around town. 

For the first time in my over six years of full-time travel, I lost my debit card. It’s made me aware of a few tips I want to share with you.

Always Carry Backup

You should always carry at least two debit cards. If you’re traveling solo, this means, before you leave on your full-time travel adventure, I suggest you have two separate bank accounts, each linked to a separate debit card. This way, if you lose one, you can still get cash with the other.

Make Sure You Can Lock Your Card

Check with your bank, before getting your card, that they have an app or online tool (which you should only ever access with a VPN) that allows you to lock your card. This way, if you do lose your card or have it stolen, no one can use it. The worst thing you want to avoid is having your account frozen for fraud concerns, and having no access to cash. Being able to lock your card to block potential fraud is essential.

Ideally, Get A Card That Reimburses Fees

If possible, be sure that both your debit cards do not charge international transaction fees, and better yet, reimburse you for ATM fees. For example, in Argentina, it costs roughly $10 per transaction, at present. And, they limit you to how much you can withdraw, per transaction. I’ve saved at least $60 so far because of my ATM card with fee reimbursement!!

Discuss Replacement Card Procedures

This is a big one. I just found out that to get a replacement card, I can get an emergency backup to use immediately, but only for purchases, not ATM withdrawals, so no help. The physical card, itself, will only be mailed to the address on file with the credit card company. So, I can’t get a replacement here in Argentina. Sucks, but now I know better – make sure to find out if your preferred company will be able to mail you a replacement card anywhere in the world.

Take Photos Of The Front And Back Of Your Card

Do this only if you can save the photo securely on your phone. If you lose your card, you’re going to have to call an 800 number. Instead of having to look that up online, it’s nice to have easy access to the international number you need, and, the number of your card, which the automated message will ask you for before connecting you with an agent.

Don’t Panic

If your card is gone, it’s gone. Once you remove the fraud risk, ideally by locking your card, accept the situation and move on. Try to use your credit cards (which should also not have international transaction fees) as often as possible.