Accessing bank from abroad.

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JA.
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Accessing bank from abroad.

Postby JA. » Tue Dec 18, 2012 4:53 pm

Does anyone know if I would have to contact my bank if I were to send a online payment to my credit cards from my online bank account while I'm in a different country?

I remember checking my secured email from when I was in China and a couple days later it suggested me to change my password.

So I was wondering if this would pull a red flag if I were to send a payment online from abroad.
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djrez4
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Postby djrez4 » Tue Dec 18, 2012 5:00 pm

Most banks suggest giving them a heads-up if you plan to travel abroad. That should be enough to take care of it.

Alternatively, you could set up an auto-payment to take care of it while you're gone.
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Postby silver6054 » Wed Dec 19, 2012 10:07 am

So what exactly are you planning to do?

a) Login to your online banking account and push a payment to your credit cards
b) Login to your credit card accounts and make a payment (using ACH from your bank)

In general, banks may have better security and ask for additional authentication if logging in from a "suspicious" country. This can cause issues if for example you have enhanced security that sends a PIN to your US mobile phone and you haven't included the +1, or the phone isn't with you etc.

But once you are logged in to either system, nothing knows or cares, an ACH payment gets made.

Some banks ask you to inform them of travel, but this is really for using credit cards abroad, so they don't decline activities outside your normal patterns. Payment shouldn't matter.


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djrez4
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Postby djrez4 » Wed Dec 19, 2012 1:13 pm

That was a much better response than mine.
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JA.
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Postby JA. » Thu Dec 20, 2012 1:15 am

yes, I just wanted to push a payment through while im in a different country, That pretty much answered my question. Thanks!
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Postby nishant » Thu Dec 20, 2012 10:49 am

For security reasons, most banks do not allow you to login into your bank account even with your password when IP address is outside north america or sometimes even in Canada unless you verify the code which bank sends you by text or email.

If you are using local SIM card in other country then text is not an option.

You enter the code received together with your password which allows you to log into your account.

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Postby JA. » Thu Dec 20, 2012 12:21 pm

I would be using a local sim. So is my best bet just to contact my bank before hand and give them the heads up?
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Postby nishant » Thu Dec 20, 2012 1:18 pm

Email is a better option to get security code from bank and then log on with your password



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