Whenever you travel abroad the question arises about how to organize your payments. With card or cash? With euros or with the local currency? But … what if you don’t need any of them? Now you can also pay with your mobile abroad, even in currencies other than the euro.
See this post on Instagram
Conditions for paying with your mobile phone abroad
What do you need to pay with your mobile anywhere in the world? Basically your smartphone and have the mobile payments option activated in the application of your bank. As simple as that.
The truth is mobile payment works the same wherever you are. France, England, United States, Japan, China, Argentina, India … Mobile payment technology is the same all over the world, as well as the requirements to use it:
|That your smartphone has NFC technology
Except for very old or entry-level mobiles, they all already have this technology, but if you have doubts, here you can check it for your device.
|Have the application with which you are going to pay installed
This application can be the bank’s own or other generic ones. With ING you can use Apple Pay if you have an iOS device or Google Pay if you have Android, for example.
|Link the cards with which you want to pay
Most mobile payment applications, such as Google Pay or Apple Pay, allow you to have several cards linked and choose which one you want to pay with at any time.
|Have activated payment outside Europe on your card
In the case of ING, to do so you just have to enter the app or in the Clients Area of the web and go to My Products> Choose the card> Configure and enable the “use outside Europe” function.
|That the business has a POS with the payment option contactless
Most merchants that accept card payment already accept payment contactless, although there may be exceptions.
Does this mean that you can leave your card at the hotel or at home? In theory, yes, but it is always advisable to carry it with you in case the store does not have payment contactless or in case you run out of battery in your mobile.
Is it necessary to have an internet connection to pay with your mobile?
The use of mobile data outside of Spain is one of the great concerns when traveling abroad, as it can involve an additional expense. Then… Does mobile payment use data? Do you need an internet connection to use it?
When paying with the mobile, the POS or dataphone will connect with the payment application through NFC, but this app You may need to connect to the internet to finalize the transaction depending on how it is configured. Typically allows a specified number of offline payments.
In which countries of the world can you pay with your mobile?
Mobile payments are still far from being the most common form of payment in the world, although the coronavirus pandemic has accelerated its adoption.
However, it is important to remember that, Even if mobile payment is not available for residents in the country you go to, you can continue to use your mobile to pay. It is only necessary that the payment terminal (the POS) has NFC technology, which is much more widespread, since it is also used for payment contactless with card.
As a reference of how widespread mobile payment is in the world, here you can check the list of countries in which Google Pay is available for residents, and here those of Apple Pay.
Mobile payment security tips
Is it safe to pay with your mobile? Yes, the NFC technology used by mobile payments is 100% secure and the new PSD2 payment policy makes it even more so for online purchases.
To get started, it is necessary that your mobile is less than 10 centimeters from the POS for the operation to complete. In addition, with Apple Pay you will need to identify yourself with Face ID or Touch ID, while with Google Pay you will need to have the phone unlocked.
However, depending on the country, with Google Pay it is possible to make a limited number of payments up to a certain amount (in Spain, € 50) without unlocking the terminal (you just need to have the screen on), and from that amount it will be necessary to have it unlocked.
Even so, there is two things that will help you improve the security of your mobile payment:
|Enable the “Secure NFC” option
This way, this technology can only be used with the screen unlocked. If you prefer, you can also activate and deactivate NFC technology manually only when you go to pay.
|Set a limit for purchases in stores
This limit can be easily configured and modified from your bank’s app.
And if I lose my travel mobile, what happens?
What happens to your bank information if you lose your mobile? In this case the mobile security system itself will be the first security barrier. That is why it is important to have a password to unlock the terminal and that the NFC only works when the screen is unlocked.
These two simple security measures will save you time while looking for the phone, which you can do as follows:
|If you have a smartwatch, use the option to locate the phone
If the mobile is nearby, it will begin to ring and you will be able to locate it.
|Use the “Find my device” tool from Google or “Search” from Apple
This feature is available for both Android (through your Google account) and Apple (through iCloud or the app «Search» from another Apple device with your account)
Remember that you can also call your bank to block the virtual card (which is the one linked to the app payment) remotely, without the need to block the physical card. So you can continue operating with the physical card and add it to a new mobile if you want.
Finally, if the mobile does not appearIn that case, you can block the SIM card by calling your operator and erase all the information on the mobile through your Google or iCloud account.
In Orange | Vacation guide
Image | Nathan Dumlao
Save on holidays, Mobile payments