Protecting your money overseas

Before you travel - checklist:

No need to tell us about your travel plans. Our security measures are always in place, whether you’re in Australia or overseas. If we spot anything suspicious, we’ll text or call you. But watch out for scam calls and texts from scammers claiming to be us – we'll never ask you to give us a One-Time PIN (OTP) for any reason, including cancelling a fraudulent transaction.

• ✔ Make sure we can contact you. Let us know if you'll be using a new number while travelling, so we can get in touch if anything suspicious comes up. If we can’t reach you, we’ll temporarily block your card to protect your account. You can update your overseas number via Citi Online. You'll need your current number or your Citi Mobile^® Token so you can get a One-Time PIN and approve the change.
• ✔ Download the Citi Mobile^® App. Manage your money seamlessly, lock your card instantly, and keep your account secure while you’re on the move.
• ✔ Set up your Citi Mobile^® Token to generate a One-Time PIN (OTP) from your app—no SMS needed. Essential for when you're travelling or offline, and can’t receive OTPs via SMS due to coverage or restrictions (some countries block SMS communications from senders they don't recognise). An OTP is needed to authorise certain transactions online or access some Citi Online features, so make sure you set up your Citi Mobile^® Token before you leave.
• ✔ Add your card to your digital wallet. It’s one of the safest ways to pay, as you're not sharing your card details. And if your card is lost or stolen, the digital wallet will update with the replacement card details, so you can keep using it.
• ✔ Check your card expiry. If it’s time for a new card, let us know. If you have a new card, remember to Activate it. Use the Citi Mobile^® App or jump online to get your new or replacement card ready.
• ✔ Memorise or change your PIN. Some destinations only accept a PIN for payments. If you don’t remember your PIN, you can change it through the Citi Mobile^® App or Citi Online.
• ✔ Automate your repayments with Easi-Pay. Travel stress-free knowing your minimum payments are automatically paid every month with Easi-Pay.
• ✔ Be travel-smart. Stay updated with travel tips and safety advice on Smartraveller.

While you’re away

Never leave your card in unsecured places or with unattended luggage.

✔ Watch the swipe

If a merchant swipes your card on multiple machines or if anything seems suspicious, call us straight away on +61 2 8225 0615.

✔ Protect your PIN

Don’t write it down or make it easy to guess like your birthdate or phone number. When entering your PIN, block it from people’s view. NEVER share your password or One-Time PIN with anyone, even with us.

Lost or stolen card? Take control instantly.