Stay safe abroad

Before you travel, let us know your plans. You only need to notify us if you're travelling outside the EU or on a cruise ship. We won't be surprised by foreign transactions within Europe. There are three ways to add a travel note to your bank cards:

1. Log into the PTSB app > select "Cards" > select "Add a travel note" > follow the remaining steps on screen.
2. Log into Open24 Online Banking > select "Other services" > select "Manage travel notes" > add a new travel note > follow the remaining steps on screen.
3. Give us a call on 0818 502 424 or +353 1 212 4101(from abroad). Lines are open Monday to Friday, 9am to 5pm (excluding public holidays) and Saturday to Sunday, 10am to 2pm.

Save our number before you go: Store the PTSB Fraud Department number in your phone before you travel: +353 1 669 5851. If your card is lost, stolen, or compromised abroad, you'll need it immediately. Don't rely on finding it online in a stressful moment. You can also freeze your card in the PTSB app.

Think about what you're carrying: Take only the cards you need. Leave unnecessary cards, documents, and valuables in a secure location.

Staying safe at ATMs abroad

The same principles from our Safety at an ATM guide apply everywhere in the world, but risks can be higher abroad where you're less familiar with your surroundings.

• Have your card ready before approaching the machine so you're not distracted searching for it.
• Use ATMs attached to banks or located inside buildings where possible, avoid standalone machines in isolated or poorly lit areas.
• Inspect the machine before inserting your card. Look for anything loose, added on, or out of place around the card slot or keypad.
• If the machine looks tampered with or anyone is acting suspiciously nearby, cancel your transaction and walk away.
• Always shield your PIN. Use your free hand or wallet to cover the keypad every time, without exception.
• If your card is retained by the machine, do not walk away. Call our Fraud Department on +353 1 669 5851 immediately from a safe distance. Lines are open 24 hours a day, 7 days a week, 365 days a year.

Shopping abroad

• Keep your card in sight at all times when paying in shops or restaurants. Go with the staff member to the terminal if it isn't nearby.
• Check the amount on the terminal before entering your PIN. Once entered, PTSB will treat the transaction as authorised.
• Always shield your PIN at payment terminals, just as you would at an ATM.
• Never leave your card behind to cover a tab. Always ask for your card back and request a receipt.
• Ensure your card is returned to you after every transaction.

Online banking abroad

• Access your PTSB account by typing www.Open24.ie directly into your browser. Do not follow links from emails or text messages.
• Avoid banking on public or hotel Wi-Fi. Use your mobile data connection instead.
• Never send money to or share payment details with someone you haven't met in person.
• Be cautious of unsolicited emails or messages asking for card, PIN, or account details while you're away. Fraudsters target people on holiday knowing they may be less alert.

Keep your documents safe

• Keep passports, travel documents, and cards in a secure location.
• Never write down your PIN or store it on your phone.
• Change your PIN or password immediately if you suspect it has been compromised, and notify us straight away.
• Be mindful of who is around you when entering PINs or passwords, this includes people you know.