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Do You Need a Chip & PIN Card?

Q: What’s a Chip & PIN card, and do I need one if I’m going to Europe?

A: For the past decade, Europe has been moving away from the swipe-and-sign credit cards that we use domestically and toward those employing a Chip & PIN system (also called EMV). These cards protect users from fraud by asking them, with each purchase, to confirm a numeric code that’s stored in the card’s data chip. But although Chip & PIN is now the primary payment method in much of Europe, you can still get by with your American plastic—just as long as you can find an attendant to process the transaction. Even so, it’s best to prepare for the rare occasion when nobody is available. If you don’t already use one, call your bank to establish a four-digit PIN, which will make any card compatible with EMV machines. And while some travelers may feel it’s more hassle than help, you may buy a Chip & PIN Cash Passport from Travelex which allows you to preload euros or British pounds on to a universally accepted card (leftover cash can be transferred back into your bank account).

Send your dilemmas to news editor Amy Farley at tripdoctor@aexp.com. Follow @afarles on Twitter.

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