As the weather heats up, it can often mean one thing: summer.
You might be among the many Filipinos booking their flights abroad for a much-needed vacation, whether it be around the Southeast Asia region, such as Singapore, or even further West like the Americas or Europe.
Whether or not it’s your first time to travel, one of the most important aspects to secure while you’re on your trip is your finances. The exchange rate shouldn’t be your only concern.
Cashless and contactless payment is growing in popularity in many places abroad. That’s why if you want to unlock more convenience and excitement with your travels, you can consider using your Atome Card abroad.
What You Need to Know About Atome Card
Atome Card provides you with a pay later card with an assigned spending limit up to ₱200,000. It also allows you to pay later at 0% interest for your monthly purchases up to 40 days, as well as splitting your bill into more manageable 3 or 6-month installments.
Applying to the card is simple and quick; all you need to do is scan the QR code below to download the app and begin your Atome Card application process.
How does Atome Card work internationally?
What enables you to use Atome Card internationally is the fact that it’s a Mastercard. Mastercard is one of the most well-known payments networks worldwide. Countless merchants that accept card payments will accept a Mastercard, more often than not.
It’s also what allows you to take advantage of plenty of the latest Atome Card promos that unlock savings and elevate your experience with Atome.
5 Safety Tips for Using Your Atome Card Abroad
Although you can follow the safety tips for using your Atome Card in the Philippines, you’ll have to practice even more caution when you’re abroad. For one, you may be going to unfamiliar locations, which could make you more susceptible to fraud. For another, the
1. Be mindful of your surroundings and belongings
Pickpockets and snatchers tend to focus on foreigners because they tend to be less aware of the country’s customs and culture. But it’s more than being on the lookout for shady individuals; it’s just as important to observe and stay away from locations that may jeopardize your safety, such as a poorly lit ATM late at night.
It’s always essential that you keep your belongings close to ensure you return home with everything you packed.
2. Understand the associated fees
What is a cross-border fee? What are the exchange rates? You might’ve asked yourself these questions when considering your itinerary for the trip. They’re valid questions to ask and important to understand to be a responsible Atome Card user abroad.
Cross-border fees occur because there are more parties involved in processing your transaction abroad. The added expense is meant to ensure your protection and as a payment for the services you’re using.
Atome has a Foreign Exchange Conversion Fee of 3.10%. The amount is the sum of the 1.98% service fee and 1.12% cross-border process that Mastercard levies.
That said, it’s always possible that you spend more than you realize and may want to reverse the transaction.
Fortunately, Atome allows you to reverse certain cross-border transactions. If the transaction is pending and hasn’t yet been processed, Atome can refund the transaction amount and the associated cross-border fees. However, if the transaction has already been processed, Atome will only refund the transaction amount.
3. Monitor your transactions
For many travelers, shopping is an essential part of any trip. It’s the perfect time to take advantage of fashion deals you wouldn’t find at home or buy exclusive items only available in the country you’re visiting.
Although you may be boundless fun, it’s important not to get too carried away. Always be mindful of your transactions when you use Atome Card internationally just as you would locally. This practice helps you avoid spending more than you budgeted or, worse, finding expenses you didn’t make.
4. Avoid using public Wi-Fi
Making online payments is popular around the world, but that doesn’t mean it’ll be safe globally. Scammers can hack into devices connected to a similar network as they are, and steal personal information to commit crimes. It’s common for scammers to rename their wireless network into one that sounds legitimate.
Here are a few ways you can spot international Wi-Fi networks you shouldn’t trust:
- It doesn’t require a password
- It has a misspelling
- You aren’t sure where the network is even coming from
Stay away from these types of wireless internet connections to keep your sensitive personal details safe and out of the hands of international scammers. Consider safer alternatives to connect to the internet, such as carrying a mobile hotspot device or using a travel SIM card that allows for data connection.
5. Setup your Atome Card account properly
After you apply for your Atome Card and receive your approved application, you’ll need to go through the Atome Card setup process.
One crucial step you should be mindful of accomplishing is nominating your PIN. This will provide a layer of security on your card so that only you can confirm transactions that appear on your account when you use Atome Card internationally.
It also helps to configure your Atome app to send a push notification to your smartphone whenever a transaction occurs. Finally, keep your app updated to ensure you have the latest security patches to keep you safe wherever you’re transacting with your Atome Card.
Enjoy Worry-Free Travels Thanks to Atome Card
Traveling is meant to be a relaxing and exciting time to experience new cultures and see breathtaking sites. An effective way of keeping your trip stress-free is by using your Atome Card wisely.
This helps you avoid potential scams and fraud. That way, you can focus on spending it on making memories, such as discovering new flavors, visiting gorgeous tourist spots, and shopping for attractive souvenirs for your friends and family back home.
If you still don’t have your Atome Card, now is the perfect time to apply before you go on your next vacation. Scan the QR code below or visit the App Store or Play Store to begin your download now!
