Flight is booked, passport updated and your pets have a place to stay. But before you hop a plane, train or automobile for foreign borders, be sure you can pay while you're there. Check out our handy guide to traveling – and spending – around the globe.
BECU certainly cares about you and your financial wellbeing! It's why we would be quick to flag a purchase in Greece as fraud. Such flagging is helpful … unless you are actually in Greece. Before you use your BECU Visa or Mastercard internationally, contact us. Doing so ahead of departure helps prevent any disruption using and paying with your card.
Phone: (800) 233-2328
Online: Log in to Online Banking; click Message Center (located at the top of the webpage, next to Search, Locations and Support); select Send Message.
BECU representatives are available Monday – Friday, 7 a.m. – 7 p.m.; Saturdays, 9 a.m. – 1 p.m. (PST)
Read the international calling instructions.
That peace of mind you constantly feel? It's from knowing BECU ensures you are making your purchases. Our system goes the extra mile ensuring your purchases are legitimate, overseeing your normal spending habits. A day trip is most likely not going to trigger fraud. However, a purchase in Iceland may alert the system to ice your account.
If suspicious charges occur, Card Member Security will attempt to contact you before ultimately locking the account. You will be contacted by email or phone (not text). Double check BECU has your current contact number and email address; simply log in to Online Banking and click the Edit Profile link.
Because long distance communication involves time zones and a potential trip disruption, it's always best to notify us before you travel.
The global community often requires chip-enabled cards. As with all international trips, you will want to pack your patience! Some unattended terminals will require a PIN; others simply do not accept U.S. issued debit cards – those purchases may appear as “Transaction Cancelled.” It may be due to the merchant's technology.
If possible, ask the clerk for assistance. Transaction cancelled at an unassisted terminal? We always recommend bringing a backup card, and carrying emergency cash on you. Don't forget, you can always call BECU for help, too.
Have yet to receive your chip-enabled credit or debit card? Request a new card – be sure to mention it is needed for foreign travel.
Fees*: NO foreign-transaction fee, NO ATM fee (the institution that owns the ATM might) and NO cash-advance fee
$0 fraud liability (report lost card ASAP)
$500,000 Worldwide Travel Accident Insurance
Travel and Emergency Assistance Services
Lost Luggage Reimbursement
Baggage Delay Protection
Trip Cancellation/Trip Interruption
EMV chip-enabled: Accepted (and preferred) almost anywhere in the global community! Find more info.
Lost Luggage Reimbursement
You packed your passport and your BECU card – what more do you need? One more card. Traveling abroad isn't always easy, and a card could be lost, stolen or compromised. You may also experience emergencies and require more funds than your card's limit.
Bringing at least two current cards with you helps ensure a smoother, safer journey. Review a few quick tips when organizing your wallet.
You're on vacation time, but your bills are on real world time — don't let those mundane tasks at home, such as paying bills, interfere with your travels. Review our handy checklist to ensure you can get away on your getaway:
*BECU's credit card rates range from 7.9% to 21.90% variable APR and are subject to change without notice. The actual APR will be determined when you apply and will be based on your credit worthiness.
**0.20% currency conversion fee may be included in the purchase or withdrawal's overall total when using a debit card; however, the fee will be refunded within 3 business days contingent upon the account being open at the time of refund.