LCL City Explorer

Note: if you Leave France with species, Whatever the country in which you go, you must make a customs declaration for an amount of cash transferred greater than 10,000 euros or its equivalent in foreign currency (this limit is applicable for a single person, a couple or a family )).

LCL Cityexplorer, your payments and withdrawals abroad at no cost

In the banking world, competition is increasingly harsh. Indeed, the actors present on this market are today very numerous and compete in inventiveness to attract customers. As such, many online banks have recently offered new offers targeting travelers. The key: very preferential prices on payments and withdrawals abroad, or even free operations when traveling outside France. In this context, LCL has also decided to take the plunge thanks to its LCL Cityexplorer offer.

LCL Cityexplorer, what is it ?

LCL Cityexplorer is an activated or deactivable option at any time, and allowing an exemption from payments and withdrawal operations in foreign currency. This can be put into service at any time since the LCL my account application, provided simply with respecting some criteria:

• If you are between 18 and 29 years old, LCL Cityexplorer is available regardless of the bank card you have in your possession;
• If you are over 30 years old, LCL Cityexplorer is only available for Visa Premier, Mastercard Platinum+ card holders and Visa Infinite.

The advantages of the LCL Cityexplorer offer

If the LCL Cityexplorer system is not free, it is offered at a completely affordable price and above all prevents you from very unpleasant surprises during your trips abroad. Indeed, without him, when you pay in currencies, or when you withdraw outside the euro zone, additional LCL costs are invoiced to you. With LCL Cityexplorer, unforeseen bills at the end of your journeys are just a distant memory !

For this to be more concrete, let’s take an example, for 2 withdrawals of $ 150 and 5 payments of $ 40 in the United States:

• Without the LCL Cityexplorer option, this will cost you 24.67 euros in additional costs;
• With the LCL Cityexplorer, these operations are completely free !

Note, however, that the LCL Cityexplorer is unlimited for payments, but that it is limited to five withdrawals per month in automatic distributors of foreign tickets, whatever the currency.

How to subscribe to the LCL Cityexplorer offer ?

To subscribe to the LCL Cityexplorer offer, it is a real child’s play ! In your LCL my account application, go to the “Cards” section, then in “Options”. Then select “Voyage abroad” and click on “Fresh abroad”. Then click on “Learn more”. The price in force and the conditions of use of this service are then indicated to you. From this page, you can activate this service immediately. Your personal code is requested to confirm its activation. The package is renewable and valid over 30 days.

To deactivate the LCL Cityexplorer on your return from travel, go to your bank card options at any time. LCL Cityexplorer can be activated and deactivated as many times as you wish. LCL then offers an offer in tune with the times, adapted to its urban customers with Citystore and Nomad with Cityexplorer !

Traveling abroad: how to pay and ensure ?

Before leaving abroad for a vacation or a long -term stay, it is important to find out about the possible means of payment to settle the different expenses on site: cash, bank card, travel checks, transfers. Our advice to anticipate and calmly enjoy your stay abroad !

Travel cancellation insurance

L’Travel cancellation insurance Allows you to pay, in part or in whole, the costs corresponding to the services canceled if the cause of the cancellation is provided for by the contract (death of a loved one, accident, illness…).

There Cancellation warranty Can be included in the price of the stay, being offered by the stay organizer, being included in a travel insurance contract subscribed individually or being part of the guarantees associated with your payment card.

How to pay abroad ?

Pay in cash abroad

If you go to a member country of the euro zone, You can use all the parts and all the tickets in euros in the euro zone.

On the other hand, if you stay Outside the euro zone, You must get local currency. For this, you have several possibilities:

• Change your euros in France, with your bank or a exchange office ;
• Remove species directly abroad in an automatic ticket distributor with your bank card;
• change your money abroad with a local bank or exchange office.

L’currency exchange operation cause fees. There Commission withdrawn may vary strongly from one establishment to another. Be sure to compare the prices practiced.

Note: the currencies of certain countries are only convertible on site (Tunisia, Vietnam, Cambodia, Israel, etc.) or can only be exchanged for a limited amount (Morocco, Egypt).

Note: if you Leave France with species, Whatever the country in which you go, you must make a customs declaration for an amount of cash transferred greater than 10,000 euros or its equivalent in foreign currency (this limit is applicable for a single person, a couple or a family )).

Pay with his bank card abroad

The bank card constitutes The most economical means To settle his expenses abroad. However, check that your bank card can be used in the destination country.

If you stay in a member country of the euro zone, the card payments are free And withdrawals are invoiced as withdrawals from automatic ticket distributors belonging to a bank of another network than that of your bank.

If you carry out a bank card operation in a country located excluding euro zone, a fixed commission and costs proportional to the amount of the operation are deducted. It is therefore preferable to Remove a significant amount of money in one go rather than regularly removing small amounts.

Before your departure, check certain information relating to your bank card:

• her due date : if necessary, ask for an early renewal for Get a new bank card before your departure ;
• THE withdrawal and payment authorization ceilings : if they seem insufficient, ask for a temporary increase in the ceilings for the duration of your stay.

ID to be provided to change your money

Since January 1, 2016, the presentation of an identity document has been compulsory for any exchange operation in France, the amount of which exceeds 1,000 euros.

Virements abroad: SEPA transfers and international transfers

You can send money of Your bank account to an account opened abroad. This is a Secure means of settlement to be preferred to settle significant sums.

Between countries of the European Economic Area (except Switzerland), the SEPA transfers are billed under the same conditions as a national transfer and executed within one working day.

About the International transfers (excluding the euro zone), the costs levied may vary depending on the bank and are generally borne by the transfer transmitter. The period of execution of an international transfer depends on each banking establishment.

Be well insured during his stay abroad

Home insurance

If You rent accommodation abroad, Find out about the owner or the intermediary organization to find out if the accommodation is provided or if you need to take out specific insurance.

In addition, concerning your home in France, know that some Home insurance contracts contain a clause that suspends the flight warranty beyond a Inhabitation period determined (60 or 90 days depending on the contracts). In this case, it is necessary to contact your insurer if, during your stay abroad, no member of your family resides at your home for a period greater than that provided by your contract.

Complementary health insurance

It is important to take out additional health insurance To complete Social Security services In the event that you are confronted with an accident or suffering from an illness during your stay. Otherwise, you will only be reimbursed for expenses incurred on the Social Security Prices Base.

If you stay in Europe, think of Ask for the European Health Insurance Card (CEAM) with your primary health insurance fund. It allows the coverage of medical costs according to the scale of reimbursement of the costs of the country of stay. Note: CEAM is individual and nominative. Each member of your family must have his own.

Corporal accident insurance

You can also take out a contractInsurance of life accidents in order to benefit from services allowing you to meet expenses not supported by social security and your complementary health in the event of an accident. Check that your contract does not provide for territorial limits before your departure.

Civil liability insurance

L’Civil liability insurance is generally included in your contractHome Insurance. Check that your contract covers the country of destination throughout your stay. You can request a warranty extension if you make a long -term stay.

Assistance services abroad

In the event of a problem during your stay abroad, you can benefit fromUseful aids and services By subscribing to a specific assistance contract:

• assistance to people which can predict the repatriation, transport and admission to the hospital in the event of an accident or illness, the Reimbursement of medical expenses incurred abroad, The management of transport costs in the event of interruption of the trip following the death of a loved one, the round-trip ticket for one of your loved ones, if you are hospitalized more than 10 days without possible repatriation, etc. ;
• Automobile assistance :: repatriation of your vehicle If it is impossible to drive it, covered towing and troubleshooting costs in the event of a breakdown or puncture, accommodation costs during the period of the repair.

Goods insurance (luggage, valuables)

For Protect your property during your stay abroad, You can subscribe to several types of guarantees:

• there Vacuum Vargegiature (generally included in multi -risk home contracts), which covers lost or damaged goods during stays outside the home, in France or abroad;
• there luggage warranty, which covers personal effects and goods carried away or bought abroad against loss, theft, disappearance, deterioration. Some bank cards include this guarantee;
• there “All risks” guarantees various objects, Who supports theft, loss, and sometimes breakage of certain valuables (jewelry, cameras, mobile phone, etc.).

Travel cancellation insurance

L’Travel cancellation insurance Allows you to pay, in part or in whole, the costs corresponding to the services canceled if the cause of the cancellation is provided for by the contract (death of a loved one, accident, illness…).

There Cancellation warranty Can be included in the price of the stay, being offered by the stay organizer, being included in a travel insurance contract subscribed individually or being part of the guarantees associated with your payment card.

For further :

• High holidays: Prepare the essentials of summer
• Travel abroad: Go well insured
• Summer holidays: for your safety, adopt the right reflexes.

Visa first LCL card

The Visa Premier LCL Bank Card (1) is a high -end bank card that guarantees you tranquility and security. The Visa Premier card allows you to pay your purchases, withdraw money in more than 200 countries, and to benefit from assistance and insurance services, in France and abroad.