It’s one of the worst moments in travel. Your wallet is gone and your mind goes blank. Here’s exactly what to do, so you don’t make a stressful situation worse.
Step One: File a Police Report Immediately
This is one of the first things you should do. You will need a police report to claim lost cash and ID through your travel insurance, and most insurers won’t process a claim without one. Find the nearest station or ask your hotel for help locating it.
Step Two: Lock or Cancel Your Cards
While you’re on the way to the police station, lock your cards through your banking app or call your bank directly to cancel them. Most major Australian banks let you freeze a card instantly through the app, which buys you time before a full cancellation is processed. This also means that if your cards turn up, you can unlock them and continue to use them like normal. Do this as quickly as possible to limit any unauthorised transactions.
Why You Need A Backup Plan
A second card stored with your travel partner or locked in your hotel safe can get you through the next 24 to 48 hours while replacements are arranged. Keep your passport and ID stored separately from your wallet for the same reason. ID is the hardest thing to replace on the road, and losing it alongside your cards compounds an already difficult situation. Virtual cards set up on your phone are also worth considering as an additional layer of backup.
Set This Up Before Your Next Trip
The best time to prepare for a lost wallet is before you ever leave home. Split your cards, store your ID separately and make sure your travel insurance is sorted. A little preparation now saves an enormous amount of stress later.
Have you ever had your wallet stolen while travelling? Share what helped you in the comments below. Follow 5 Star Trip for more travel safety tips and practical guides.