ABB Mircosite Traveler Tips - PowerPoint Presentation

1. ABB MircositeTraveler TipsV 1.0

2. American Express Travel Tips for Traveling Corporate CardmembersTRAVEL TIPS FACTSHEETTravel Tips are Web & Mobile–Enabled for your Accessibility and ConvenienceAs a Corporate Cardmember, you can access the recently refreshed version of American Express travel tips right from your Smartphone*.The travel tips provide city and/or country specific travel information for navigating local transportation to hosting meetings and events. Tips are available for frequently traveled cities around the world and are designed to provide you with relevant information on local American Express accepting merchants.Go to amextraveltips.com to access the American Express Travel Tips site for your mobile* or desktop.* Depending on your mobile carrier & service contract, data rates may applyLast updated: May 2015

3. American Express Travel Tips for Traveling Corporate CardmembersYou never know where business will take you… To make your life a little easier while on the road, American Express Corporate Travel Tips enables you to identify locations world-wide frequented by our Corporate Cardmembers. TRAVEL TIPS FACTSHEETGo to amextraveltips.com to access the American Express Travel Tips site for your mobile* or desktop.* Depending on your mobile carrier & service contract, data rates may apply Actually the website amextraveltips.com provides detailed information for following countries across the globe:Africa: Kenya, South AfricaAsia / Pacific: Australia, China, India, Indonesia, Israel, Japan, Malaysia, New Zealand, Philippines, Saudi Arabia, Singapore, South Korea, Taiwan, Thailand, UAE, VietnamEurope: Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Hungary, Ireland, Italy, Netherlands, Norway, Poland, Russia, Spain, Sweden, Switzerland, Turkey, Ukraine, UKNorth America: Bahamas, Canada, Costa Rica, Mexico, Puerto Rico, USSouth America: Argentina, Brazil, Chile, Colombia, Peru, UruguayLast updated: May 2015

4. American Express ATM Locator for Traveling Corporate CardmembersTRAVEL TIPS FACTSHEET The website amexatms.com provides detailed information for 133 countries across the globe where American Express Corporate Cardmembers can find cash terminals in the markets.ATM Locator The website has a search function for each country by address, airport code or financial institution. Cash terminals can be displayed in two options. The website shows the address of the terminal and in addition also a map. The logos of the participating ATM networks are shown for a reference. Last updated: May 2015

5. ArgentinaGeneral Card AcceptanceCajeros automáticos (ATMs) are found in nearly every city and town in Argentina and can also be used for cash advances on credit cards. They’re the best way to get money, and nearly all have instructions in English. You can withdraw AR$300 several times from the same machine (simply make another transaction), but most home banks charge a withdrawal fee of AR$15 or equivalent – per transaction.(1)4Commodity overviewATM American Express Argentina: please click hereAmerican Express Travel Tips for Argentina: please click hereCustomer Service & Support: 0-810-888-2677American Express credit cards are generally accepted at (1): RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel Agencies and AirlinesAmerican Express credit cards are valid in many establishments in Argentina. Some businesses add a recargo (surcharge) of 5% to 10% toward credit card purchases. The actual amount you’ll eventually pay depends upon the exchange rate not at the time of sale, but when the purchase is posted to an overseas account, sometimes weeks later. Some lower-end hotels and private tour companies are not accepting credit cards.(1)Estimated Spend Coverage = 97% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

6. BelarusGeneral Card AcceptanceIn Belarus, especially in Minsk, there are many ATMs where you can withdraw money. You can find an ATMs to withdraw cash with your American Express Corporate Card at BPS-SBERBANK branches (2).5Commodity overviewATM Non actual American Express program in Belarus American Express credit cards are generally accepted at (2): Up-market restaurantsTop-end HotelsCar Rental firmsMajor credit cards are accepted at many of the nicer hotels, restaurants, and supermarkets in Minsk, but travellers cheques are not worth the effort. Some businesses quote prices in Euros or US Dollars (using the abbreviation YE), but payment is only accepted in rubles (2).Estimated Spend Coverage = 7% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

7. BulgariaGeneral Card AcceptanceATMs that accept major credit cards are an increasingly common sight and can be found in all sizable towns and cities. Carrying cash along will be useful in order to pay in commodities which do not yet accept credit cards (3).6Commodity overviewATM American Express Bulgaria: please click hereAmerican Express Partner Bulgaria: Post Bank.Customer Service & Support: 0800-18-333American Express credit cards are generally accepted at (3): Up-market restaurantsSouvenir shopsTop-end HotelsCar Rental firmsTravel AgenciesCredit cards are in general still not as common or reliable in Bulgaria as in Western Europe. However, credit cards are gaining ground and can often be used at up-market restaurants, souvenir shops, top-end hotels, car rental firms and travel agencies, but rarely anywhere else – despite signs indicating acceptance of credit cards. You cannot rely on using a credit card exclusively in Bulgaria; use it to get cash from banks and for major purchases only (3).Estimated Spend Coverage = 66% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

8. CanadaGeneral Card AcceptanceMany grocery and convenience stores, airports, and bus, train and ferry stations have ATMs. ATMs of Canada Post and INTERAC also spit out cash if you use an AMEX credit card.Visitors heading to Canada’s more remote regions won’t find an abundance of ATMs, so it is wise to cash up beforehand. (4)7Commodity overviewATM American Express Canada: please click hereAmerican Express Travel Tips for Canada: please click here and select your desired CityCustomer Service & Support: In Canada: 1-800-716-6661 / International: 905-474-9329 American Express credit cards are generally accepted at: RestaurantsPetrol StationsHotels and other LodgingsCar Rental firmsTravel Agencies and AirlinesMajor credit cards such as MasterCard, Visa and American Express are widely accepted in Canada, except in remote, rural communities where cash is king. You’ll find it hard or impossible to rent a car, book a room or order tickets over the phone without having a piece of plastic.(4)Estimated Spend Coverage = 80% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

9. ChileGeneral Card AcceptanceAccessing funds through an ATM, known as un Redbanc is by far the easiest and most convenient way of carrying money while in Chile. Most ATMs have instructions in Spanish and English. You may have to pick an option titled 'foreign card' (tarjeta extranjera) before starting the transaction. You'll find machines in most towns (with the exception of Chile's Pacific Islands and small highland villages) and they are often open 24 hours. They give decent exchange rates though your bank will probably charge a fee for each foreign ATM transaction.(5)8Commodity overviewATM American Express Chile: please click hereAmerican Express Travel Tips for Chile: please click hereCustomer Service & Support: 600-600-86-86American Express credit cards are generally accepted at (5): Up-market restaurantsTravel AgenciesTop-end HotelsCar Rental firmsDepartment storesIf you've got plastic in your pocket (especially Amex) you'll be welcome in most established businesses. Some businesses may charge up to 6% extra to cover the charge they have to pay for the transaction. Credit cards can also be useful to show 'sufficient funds' before entering another South American country.(5)Estimated Spend Coverage = 99% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

10. ChinaGeneral Card AcceptanceATMs are common in Hong Kong and Macau. On the mainland, ATMs that take international cards include branches of the Bank of China, China Citic Bank, China UnionPay and the Industrial and Commercial Bank of China, where you can use American Express to withdraw cash. The network largely applies to sizable towns, cities and large airports.(6)9Commodity overviewATM American Express China: please click hereAmerican Express Travel Tips for China: please click here and select your desired CityCustomer Service & Support: 400-800-5555American Express credit cards are generally accepted at (6): Up-market restaurantsTravel AgenciesTop-end HotelsCar Rental firmsDepartment storesForeign credit cards of all common providers are of limited use in China. Don’t expect to be able to use them everywhere, and always carry enough cash. Where they are accepted, credit cards often deliver a slightly better exchange rate than in banks. Credit cards can still not be used to buy train tickets.(6)Estimated Spend Coverage = 95% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

11. EstoniaGeneral Card AcceptanceATMs that accept major credit cards are an increasingly common sight and can be found in all sizable towns and cities. Carrying cash along will be useful in order to pay in commodities which do not yet accept credit cards. (7)10Commodity overviewATM American Express Estonia: please click hereAmerican Express Partner Lithuania: Swedbank.Customer Service & Support: +372-6-310-310American Express credit cards are generally accepted at (7): Up-market restaurantsPetrol StationsTop-end HotelsCar Rental firmsRestaurant chainsOn the 1st of January 2011, Estonia joined the euro-zone and switched the Estonian Kroons to Euros. Credit cards are generelly accepted at most of the larger hotels, restaurants and shops but travellers are also advised to take travellers cheques in US Dollars or Pounds Sterling. (7)Estimated Spend Coverage = 97%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

12. IndiaGeneral Card AcceptanceModern 24-hour ATMs are found in most large towns and cities in India, though the ATM may not be in the same place as the bank branch. Away from major towns, always carry cash or travelers cheques as backup.(8)11Commodity overviewATM American Express India: please click hereAmerican Express Travel Tips for India: please click here and select your desired CityCustomer Service & Support: In India: 1800-419-1222 / International: +91-124-280-1222 American Express credit cards are accepted at (8): AirlinesTravelHotelsCar Rental firmsRestaurantsCredit cards are accepted at growing numbers of shops, up market restaurants, and midrange and top-end hotels in India. You can also use them to pay for flights and train tickets. However, be wary of scams. Cash advances on credit cards are also possible at some banks without ATMs.(8)Estimated Spend Coverage = 66% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

13. LithuaniaGeneral Card AcceptanceATMs that accept major credit cards are an increasingly common sight and can be found in all sizable towns and cities. Carrying cash along will be useful in order to pay in commodities which do not yet accept credit cards. (9)12Commodity overviewATM American Express Lithuania: please click hereAmerican Express Partner Lithuania: Citadele Banka.Customer Service & Support: +44-(0)-1273-576-141 American Express credit cards are generally accepted at (9): Up-market restaurantsPetrol StationsTop-end HotelsCar Rental firmsRestaurant chainsCredit cards are widely but not universally accepted in Lithuania. They are less popular in smaller towns and are never used in traditional marketplaces. Chain stores and restaurants are more likely to accept cards than independent alternatives. ATM machines are readily available, especially near main supermarkets.(9)Estimated Spend Coverage = 68%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

14. MexicoGeneral Card AcceptanceATMs (caja permanente or cajero automático) are plentiful in Mexico, and are the easiest source of cash. You can use Amex to withdraw pesos from ATMs. The exchange rate that banks use for ATM withdrawals is normally better than the ‘tourist rate’ for currency exchange.To avoid the risk of ‘card cloning, ’ use ATMs only in secure indoor locations, not those in stand-alone booths. (10)13Commodity overviewATM American Express Mexico: please click hereAmerican Express Travel Tips for Mexico: please click here and select your desired CityCustomer Service & Support: 01-800-0220770 American Express credit cards are accepted at (10): AirlinesTravelHotelsCar Rental firmsRestaurantsThe most convenient form of money in Mexico is a major international credit card or debit card. American Express cards can be used to obtain cash easily from ATMs in Mexico, and are accepted for payment by most airlines, car-rental companies and travel agents, plus many upper midrange and top-end hotels, and some restaurants and stores. Occasionally there’s a surcharge for paying by card, or a discount for paying cash. Making a purchase by credit card normally gives you a more favorable exchange rate than exchanging money at a bank. (10)Estimated Spend Coverage = 81% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

15. NorwayGeneral Card AcceptanceNorwegian ATMs allow you to access cash in your home account with an ATM card from your home bank. ‘Mini-Banks’ (the Norwegian name for ATMs) are found adjacent to many banks and around busy public places, such as shopping centers. They accept major credit cards.(11)14Commodity overviewATM American Express Travel Tips for Norway: please click here and select your desired CityCustomer Service & Support: 22-96-08-00 American Express credit cards are accepted at (11): AirlinesTravelHotelsCar Rental firmsRestaurantsAmerican Express cards are widely accepted throughout Norway. Although credit or debit cards allow you to avoid the fees charged for changing cash or travellers cheques, such gains can be cancelled out by bank fees and not all places accept debit cards. Credit cards can be used to buy train tickets and are accepted on some (eg Hurtigruten), but not all, domestic ferries. (11)Estimated Spend Coverage = 70% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

16. PhilippinesGeneral Card AcceptanceCredit cards can be used to get cash from thousands of ATMs throughout the country. Cash advances from ATMs are in local currency, and may be subject to a daily withdrawal limit apart from the American Express cash limit. Particularly in the big cities, ATMs operate 24 hours daily, and can be found in department stores, supermarkets and shopping malls, in addition to banks. Note that ATMs in the Philippines have a curious system of posting 'online' or 'offline' signs to indicate whether or not the machine is in operation. (12)15Commodity overviewATM American Express Philippines: please click hereAmerican Express Partner Philippines: BDO Unibank Inc.American Express Travel Tips for Philippines: please click hereCustomer Service & Support: In Philippines: 631-8000 / International: +800-8-631-8000 American Express credit cards are generally accepted at (12): (Chain) RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel AgenciesMany shops, restaurants, hotels and resorts accept payment by credit cards. A shop-front sign that reads ‘American Express Cards Welcome‘ may well refer only to the Philippines-issued version, so check with the shop personnel by showing them your card. There are incidents of credit card fraud in the Philippines. To prevent this, keep a close look on your card at all times - never, for example, allow a shop clerk to disappear into a back room with it. (12)Estimated Spend Coverage = no current figures available2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

17. Saudi ArabiaGeneral Card AcceptanceBanks (with ATMs that accept international cards) are ubiquitous throughout the country. For exchanging cash, you’ll get a much better rate at one of the many money changers, whose bureaus are found in most town centers. (13)16Commodity overviewATM American Express Saudi Arabia: please click hereAmerican Express Travel Tips for Saudi Arabia.: please click hereCustomer Service & Support: In S.A.: 800-440-0004 / International: (+96611) 474-9034American Express credit cards are generally accepted at (13): (Chain) RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel AgenciesThe credit card market in Saudi Arabia is prospering, with greater penetration of Sharia-compliant cards extended by traditional and Islamic banks to meet the increased customer demand. Therefore, more and more establishments are accepting credit cards including most medium to large-sized hotels, restaurants, airline offices and shops. (13)Estimated Spend Coverage = 80%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

18. TurkeyGeneral Card AcceptanceATM machines are everywhere in Turkish cities, airports and even in most small towns. Note that Turkish ATM keypads usually do not have alphabetical keys (ABC for 2, DEF for 3). If your PIN/password is actually a word, and you're used to pressing the letter keys, you'll have to translate your password into numbers. (Your mobile phone keypad may have the letters on it).(14)17Commodity overviewATM American Express Turkey: please click hereAmerican Express Partner Turkey: T. Garanti Bankası AŞ American Express Travel Tips for Turkey.: please click hereCustomer Service & Support: In Turkey: 444 0 333American Express credit cards are generally accepted at (14): (Chain) RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel AgenciesThe credit card market in Turkey is prospering. You can use major credit cards to pay for most purchases like hotel rooms, rental cars, airline tickets and more substantial souvenirs. At some places even soft drink machines do accept credit cards. Turkey uses European credit card systems whereby you are required to use a PIN when making charges.(14) Estimated Spend Coverage = 83%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Confidential, Proprietary and Trade Secret Information of American ExpressLast updated: May 2015

19. UkraineGeneral Card AcceptanceAutomated teller machines (ATMs) dot the landscape in Ukraine. Bankomats, as ATMs are known locally, are also found in major airport terminals, hotel lobbies, central post offices and Bars, as well as on the street. At Boryspil airport there are several in the arrivals hall. Some ATMs also distribute US Dollars (15).18ATM American Express Partner Ukraine: UKREXIM.American Express Travel Tips for Ukraine: please click hereCustomer Service & Support: 0-800-50-44-50Credit cards are in general still not as common or reliable in the Ukraine as in Western Europe. However, credit cards are gaining ground and can often be used at up-market restaurants, top-end hotels and car rental firms, but rarely anywhere else – despite signs indicating acceptance of credit cards. You cannot rely on using a credit card exclusively in the Ukraine. This method of payment is still very unpopular in Ukraine. Be ready to pay cash everywhere. Credit card and ATM fraud are wide-spread. Ukraine generally operates as a cash economy, and money scams are common. Although credit card and ATM use among Ukrainians is increasing, it is strongly recommended to exercise caution and use credit cards only at reputable businesses. You should avoid using ATMs on the street or in public places whenever possible. Machines located inside bank branches are generally safer.(15)Estimated Spend Coverage = 5% 2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

20. U.A.E.General Card AcceptanceThere are ATMs on major streets, in shopping centers and sometimes at hotels. All major credit cards are accepted. (16)19Commodity overviewATM American Express U.A.E.: please click hereAmerican Express Travel Tips for U.A.E.: please click here and select your desired CityCustomer Service & Support: Dubai (+971) 4 4492222 / Abu Dhabi (+971) 2 5996299 American Express credit cards are generally accepted at (16): (Chain) RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel AgenciesMost internationally recognized credit cards (e.g. American Express) are accepted by car rental companies, larger shops, hotels and some restaurants. However, you should carry some cash for general shopping and eating out at smaller establishments. Some small retailers, even if they do accept credit cards, may charge an additional 5 per cent for processing your payment with a credit card. (16)Estimated Spend Coverage = 79%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

21. VenezuelaGeneral Card AcceptanceATMs of Corp Banca that accept Amex credit cards are an increasingly common sight and can be found in all sizable towns and cities. Carrying cash along will be useful in order to pay in commodities which do not yet accept credit cards. (17)20Commodity overviewATM American Express Venezuela: please click hereAmerican Express Partner Philippines: Corp Banca Customer Service & Support: 0500-AMEX(2639) American Express credit cards are generally accepted at (17): (Chain) RestaurantsPetrol StationsTop-end HotelsCar Rental firmsTravel AgenciesCredit Cards are accepted as a means of payment for goods and services (though many tour operators may refuse payment by credit card or charge 10% more for the service). They are also useful for taking cash advances from banks or ATMs. Make sure you know the number to call if you lose your credit card, and be quick to cancel it if it’s lost or stolen. Also remember that just because an establishment claims that it takes credit cards, doesn’t mean that their machine functions correctly. (17)Estimated Spend Coverage = 83%2012 Spend Coverage*Source *American Express 2012 Spend Coverage Study.Last updated: May 2015Confidential, Proprietary and Trade Secret Information of American Express

22. Appendix21References:Read more: http://www.lonelyplanet.com/argentina Read more: http://www.lonelyplanet.com/belarus; http://www.belarus.by/en/travel/moneyRead more: http://www.lonelyplanet.com/bulgariaRead more: http://www.lonelyplanet.com/canadaRead more: http://www.lonelyplanet.com/chile Read more: http://www.lonelyplanet.com/chinahttp://www.insightvacations.com/uk/travel-tips/baltic-states Read more: http://www.lonelyplanet.com/india http://lithuania.embassyhomepage.com/money; http://www.truelithuania.com/credit cardsRead more: http://www.lonelyplanet.com/mexicoRead more: http://www.lonelyplanet.com/norwayRead more: http://www.lonelyplanet.com/philippinesRead more: http://www.lonelyplanet.com/saudi-arabia; http://www.euromonitor.com/financial-cards-and-payments-in-saudi-arabia/reportRead more: http://www.turkeytravelplanner.com/details/Money/CreditCards.html; http://www.turkeytravelplanner.com/details/Money/ATMs.htmlRead more: http://www.lonelyplanet.com/ukraine; http://www.discover-ua.info/money; http://travel.state.gov/ukrainehttp://www.uaeinteract.com/travel/payment.asp; Read more: http://www.lonelyplanet.com/united-arab-emiratesRead more: http://www.lonelyplanet.com/venezuela *Source American Express 2012 Spend Coverage Study.Spend coverage percentages are based on internal American Express estimates that compare Cardmember spending on our merchant network with our estimate of what Cardmembers would spend if all merchants that accept general purpose credit and charge cards accepted American Express Cards.