Travellers cheques

About Visa Travellers Cheques

Visa Travellers Cheques currently in circulation are issued in U.S. dollars, Pounds Sterling, Euro, Australian dollars, Canadian dollars and Japanese yen. They are accepted at millions of banks, financial institutions and merchants around the world, according to local customs and practices. Dual-Signature Visa Travellers Cheques are also in circulation and carry two people's signatures as original holders yet may be used independently by either of the holders.

What if they are lost or stolen?

Visa Travellers Cheques can be refunded if lost or stolen, subject to certain terms and conditions being satisfied. These conditions are set out on the reverse of the Purchase Agreement Form, which you signed at the time of purchasing the cheques. If travellers cheques are lost or stolen, you should immediately call the Visa Travellers Cheque Global Refund Service (GRS) for assistance or the Issuer, if the number is available on the reverse of the Purchase Agreement Form. The GRS is available 24 hours a day, 365 days a year and can be contacted free of charge from a number of countries. Where this facility is not available please call the Bahrain number listed after the toll-free numbers and our staff will call you back to answer your questions and assist you as necessary.

Choose the country you are in from the list below

If you're travelling in Call
Australia 1800-882-426
Austria 0800-296102
Bahrain 8000-0014
Belgium 0800-15448
Bermuda 1-800-623-0677
Brazil 0800-891-7942
Canada 1-800-227-6811
Caribbean 1-800-227-6811
China North 10-800-744-1103
China South 10-800-441-0165
Cyprus 800-95163
Denmark 80-01-04-48
Finland 0800-115089
France 0800-90-94-82
Germany 0800-181-4070
Greece 00800-44-13-14-10
Hawaii (866) 503-9312
Hong Kong 800-967-769
Hungary 06-80-015261
Iceland 800-8175
Indonesia 001-803-0441-1208
Ireland 1800-411-055
Israel 180-944-1343
Italy 800-87-41 55
Japan 00531-78 0112
Luxembourg 800-2-3827
Macau 0800-258
Malaysia 1-800-80-2267
Mexico 01800-123-4824
Netherlands 0800-022-5484
New Zealand 0800-447-002
Norway 800-18-128
Philippines 1800-1-442-0082
Poland 0-0800-441-23-37
Portugal 800-844-857
Puerto Rico 1866-503-9267
Russia 810-800-2077-2044
Singapore 800-441-1222
South Africa 0800-99-0956
South Korea 00798-44341157
Spain 900-948978
Sweden 020-79-3108
Switzerland 0800-558-450
Taiwan 00801-044-214
Thailand 001-800-442-085
Turkey 00800-4463-2090
United Arab Emirates 800-0440-084
United Kingdom 0800-895078
United States 1-800-227-6811

If the country you are in is not listed, or if you experience any difficulty in connecting, please call Bahrain +973-17290808 or fax +973-17910494 or send an email to vtcassistance@afs.com.bh.

If the Visa Travellers Cheques bear the name of Bank of America please call collect 1-415-436-3659 Monday through Friday from 8 am to 5 pm Pacific time or send an email to travchdept@bankofamerica.com.

If the Visa Travellers Cheques bear the name of Citicorp please contact the company directly at toll-free 1-800-645-6556 (from the United States) or call collect 1-813-623-1709, Monday through Friday from 6:30 am to 2:30 pm EST. Outside these hours calls will be recorded and responded to the next business day. Alternatively, please send an e-mail to citicorp_travellers_cheques@citi.com.

If the Visa Travellers Cheques bear the name of Interpayment Services Ltd or Banco do Brasil or Chase Manhattan please call UK +44-1733-457026 7 days a week from 8 am to 8 pm (GMT or BST) or send an email to tcassistance@travelex.com.

Before a refund can be arranged, the GRS will ask a few simple questions:
  • What are the cheque serial numbers? They can be found on the Purchase Agreement, which you signed when you bought the cheques. Remember to keep this separate from the cheques.
  • Where and when did you buy the cheques?
  • How and when do you think the cheques were lost or stolen?
  • Who is the Issuer of the travellers cheques? The name can be found on the right hand side of the Visa logo. The name of the Issuer is also stated on the reverse of the Purchase Agreement form given to you. The refund can usually be arranged within 24 hours, subject to certain terms and conditions being satisfied.
Tips before you travel
  • Do not countersign the cheques until you want to use them.
  • Make a note of the serial numbers and keep them separate from the cheques.
  • Be as careful with your cheques as you would be with cash.
  • Make a note of the Visa GRS contact numbers for your destinations - and keep them separate from your travellers cheques.
  • Keep the copy of the purchase agreement form separate from your cheques.
Do not be a victim of Travellers Cheque Scams

Visa Travellers Cheques are a safer and more secure form of payment than cash and are accepted around the world at millions of banks, financial institutions and merchants (according to local customs and practices). But like all forms of payment, criminals are increasingly targeting consumers with counterfeit travellers cheques. It is important that consumers be alert for scams and consider the following security tips when using Visa Travellers Cheques:
  • Safeguard the cheques against loss or theft as you would safeguard cash.
  • Keep the Purchase Agreement Form, which lists cheque numbers and contact information, separate from the actual cheques.
  • Notify the police in case of loss/theft.
  • Do not use the cheques in any illegal game or prohibited activity.
  • Do not accept Visa Travellers Cheques from a third party, if unknown to you and you have no recourse against that party.
  • Do not accept Visa Travellers Cheques that have been sent to you unsolicited or from an unknown source via mail or courier. Report their receipt immediately to the police. DO NOT ENCASH TRAVELLERS CHEQUES FOR THIRD PARTIES WHO ARE NOT KNOWN TO YOU.
Accepting Visa Travellers Cheques

Check the Visa Travellers Cheque(s) for the following security features:
  • Paper - Feels like currency (A counterfeit cheque generally does not feel right - It usually feels smoother or thicker).
  • Watermark - A watermark should be visible on the front side of the cheque when the cheque is lifted to the light (A counterfeit cheque may not have a watermark on the front side or the watermark may appear on the back side of the cheque).
  • Raised texture - (A counterfeit cheque generally does not have this feature).
  • Holographic thread - The current design contains a silver, metallic, shiny strip with the word 'secure' repeated (A counterfeit cheque may have a dull strip).
If you are in possession of cheques and suspect they may be fraudulent, please call Visa 24 hours a day, 365 days a year for free cheque verification service. Call toll-free on the relevant customer service number listed above.

If the Visa Travellers Cheques bear the name of Bank of America please call collect 1-415-436-3659 Monday through Friday from 8 am to 5 pm Pacific time or send an email to travchdept@bankofamerica.com.

If the Visa Travellers Cheques bear the name of Citicorp please contact the company directly at toll-free 1-800-645-6556 (from the United States) or call collect 1-813-623-1709. Automated cheque verification is available 24 hours a day, 7 days a week (if you select the English or Spanish option). If you need to speak to a customer service representative you can do so Monday through Friday from 6:30 am to 2:30 pm EST. Outside these hours calls will be recorded and responded to the next business day. Alternatively, please send an e-mail to citicorp_travellers_cheques@citi.com.

If the Visa Travellers Cheques bear the name of Interpayment Services Ltd or Banco do Brasil or Chase Manhattan please call UK +44-1733-457026 7 days a week from 8 am to 8 pm (GMT or BST) or send an email to tcassistance@travelex.com.

Acceptance and Verification

For your protection, please follow these 5 simple steps when accepting Visa Travellers Cheques.
Step 1. Check the Visa Travellers Cheque(s) for the security features mentioned above.
Step 2. Ensure that the presenter countersigns the cheque in the lower left corner in front of you.
Step 3. Ensure that the signature and counter-signature match.
Step 4. If the cheque is already counter-signed, ask the presenter to sign it again on the reverse side and ask for identification.
Step 5. Ensure the amount presented is consistent with your normal business transactions.

If you have any questions about the above procedures, please contact the Visa GRS (toll-free numbers are listed above). If you require Acceptance Guideline brochures, please send an e-mail to vtc@visa.com.
More Information
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