Traveling is an an incredible, mind opening experience, but it can be hard to know how to keep yourself – and your stuff – safe. And I don’t mean your physical safety; I mean your cyber safety.
With online banking, email, documents, passports, and more – all interconnected, there are a lot of components to protect.
In this guide, I outline all the different tactics you can use to protect your data, finances, and identity easily, even while you hop from one destination to another.
Table of Contents:
Chapter 1: How to Manage Finances Securely While Traveling
You need cash, but not too much of it (and not all in the same place).
You need a debit card, but not all your funds in the account linked to the card.
You need a credit card, but also to protect yourself from fraud.
And you’ll want to manage it all online, while still keeping your passwords safe and accounts free from internet fraud.
And of course, you want to limit the fees associated with all your transactions.
We cover a lot of this in our Ultimate Guide to Traveling with Money.
But let’s talk more about online banking. Here are just a few introductory tips to manage your finances securely while you’re on the road.
Most people manage their finances online already, but if you’re not completely set up to do everything from paying bills to getting paid, all online, then now’s the time. Here are some more advanced tips:
Setting up two-factor authentication provides an extra layer of security for your sensitive information and online accounts. If it’s available, then implement it for every account you have.
Password Setup and Management
Prudent security management dictates never using the same password twice, and including upper/lower case letters, numbers, and even symbols. Heed these recommendations! Hacking passwords is a sport for some people. And yes – this means you’ll have a million different complicated passwords. More on how to store and manage your passwords in Chapter 2.
While internet cafes are becoming a thing of the past, if you ever find yourself on a public computer, the best plan is not to access secure accounts at all. If that’s impossible, then take precautions such as signing out of secure websites, deleting your web browsing history and cookies, and closing the browser before leaving the computer.
Phone Security Protocols
I’m not a fan of accessing online banking and other sensitive accounts through apps on my phone. To me, it doesn’t feel secure; if somebody gets a hold of my phone, they could potentially have access to all my accounts! But I’ll admit I’m a bit of a dinosaur, and I probably worry too much. If you do set up online banking on your phone, take the following precautions:
- Create a mechanism to lock your phone so a user who doesn’t have your passcode (or fingerprint ID) can’t get in. Many phones also allow you to wipe the data entirely if somebody enters incorrect passcodes too many times.
- If you’re on a public WiFi connection, avoid entering passwords to access any of your online accounts (unless you’re using a VPN – which we’ll cover in Chapter 3).
Double-Check Everything – If you don’t check your bank account balance and activity, you may not even realize there’s money missing! Check your bank accounts, credit card statements, and monitor all activity on your accounts at least once a month to ensure nothing is awry.
Chapter 2: How to Protect Your Laptop and Data While Traveling
If you’re traveling with a laptop (even more so if your laptop is your career), you need to protect your laptop and data against all kinds of perils from hacking, to total systems failure, to loss, theft, and damage.
Protecting Your Laptop Physically
I’ve got a hard shell case on my laptop to handle scratches and little knocks, a keyboard cover for dust and (very) light spills, and a super-protective case for transporting my laptop that I can use on its own, or slip into my theft-deterring daypack.
I may be a wee bit over-the-top, but since my computer is the reason I can travel full-time in a financially sustainable way, I’m wrap it in every bit of protection I can find.
I used to say that I would throw myself in front of a bus to save my laptop, save for the fact that without me, my laptop wouldn’t be much good.
So now, I just protect my laptop as best I can.
Protecting Your Data
I’m equally as pedantic about backing up my data as I am about protecting my laptop. I’m not a fan of working solely in the cloud; I don’t know when online access might be limited (as can happen on the road), and call me a dinosaur – but I’m not comfortable with everything being online.
Having said that, pretty much everything I have is stored online…somewhere.
-insert foot into mouth-
In Chapter 3, we’ll take a closer look at exactly how to back up your data, as well as how to add an extra layer of protection for traveling with your data that I call the “USB Stick Trick” in Chapter 5.
Online Password Storage Services
There are more and more online password storage services becoming available, allowing you to build a strongly encrypted database of all your usernames and passwords.
Sometimes these services also allow you to store image scans of official documents (like passports) for posterity, which is a great added-value benefit.
Some are free, and some have a monthly or annual charge for their services.
Personally? I store my passwords offline, using an encrypted program called KeePassX and my “USB Stick Trick”, which I’ll outline in Chapter 5.
Protecting Your Computer Files
One way to protect your information is to store it on your laptop in encrypted files. It’s not infallible, and shouldn’t be the only method you use to store your info, but it goes a long way to ensuring your data doesn’t fall into the wrong hands.
Now, if you’re searched, simple encryption won’t quite cut it. Some governments can request your laptop at customs and you have to give it to them with your login. One strategy to keep things private in this situation is to have hidden encrypted folders of the super-private things, and visible encrypted folders of less sensitive files.
You can even encrypt your entire hard drive. In addition to what might be available on your operating system, there is plenty of top file encryption software to help with this.
Having this many different layers of security doesn’t have to take a bunch of time, and could save you from massive hassles later on.
Me? I haven’t gotten on the computer encryption bandwagon (shocking, I know!), aside from encrypting my passwords (see my USB Stick Trick, below). I guess I’m more worried about my data and files being damaged or lost, than having somebody read my blog post drafts and other information that I believe to be fairly innocuous.
Chapter 3: How to Protect Your Information by Backing Everything Up
Backing up and protecting your information while traveling is a little more challenging than when you’re stationary, since you’re constantly hedging against not only damage of hardware or loss of files as can happen in the normal course of events, but also possible theft of your laptop and/or other devices.
Therefore when you’re backing up your information, hedge your bets and use multiple methods. For example, if you back up your laptop onto an external hard drive, and then your bag (containing both the external hard drive and your laptop) is stolen/lost/damaged, your backup won’t have done you much good.
With a proper backup system in place, then no matter what happens (shy of a global disruption of communication systems), you can continue business as usual almost seamlessly.
My way is (by far) not the only way to back up your stuff, but here’s what I do to sleep well at night:
While I used to manually back up my website to my laptop where I stored two months’ worth of website backups, since moving to a managed hosting service, website backups are taken care of for me. (See also: How to Start a Travel Blog – and Learn From My Mistakes)
Hard Drive Backups (Physical and Online)
On a weekly basis, I back up my entire laptop hard drive onto a rugged and durable external hard drive.
Since I have a MacBook Air, I use Apple’s proprietary time machine backup system, which appends new information to the last backup. But since I never know if the next computer I have to download my information to might be a Mac or not, I also manually copy all important files to the hard drive for easy extraction to either a PC or Mac.
Note: When I’m on the move, I keep my external hard drive and laptop in separate bags. Thus if one goes missing, I still ideally have the other.
And as an extra (extra!) layer of protection, I also back up my entire hard drive to the cloud, using an encrypted automatic online backup service. Online backup services are rampant these days; in choosing the best one for you, you’ll want to weigh up factors like cost, capacity, features, OS and device support, privacy, reliability, and speed.
Overwhelmed? Don’t be; it’s not that hard, and most services use an industry-standard level of encryption, so you can’t really go wrong. To pick the best online hard drive backup service for you, check out review posts like this one or this one.
Documents (Sync Backups)
With a goal to be able to pick up from wherever I left off at any given minute, I need my documents (which I’m forever creating and editing) to be constantly up to date.
While online backup services are great for overall hard drive backups, they don’t always have the most current copy of your files. This is where online sync backups come in.
For this, I use Dropbox (free), which mirrors selected folders on my computer. If I have a connection, then every time I press “save” on a document, Dropbox gets the changes too. And if I’m offline, Dropbox syncs the changes as soon as I get a connection.
Dropbox has the added benefit of being a good file-sharing conduit, allowing you to create folders and share them with anybody.
Chapter 4: How to Use a VPN Service to Protect Your Data
VPN Services are not only for online businesses but also for internet security in general. You never know when somebody lurking in the shadows of that internet cafe or coffee shop (or hotel, or hostel, or airport) are hacking into your emails, passwords, finances, and life.
Here are a few reasons to have a VPN service:
- You can surf securely on unsecured networks (in hotels, coffee shops, etc)
- You can access sites that are blocked in certain countries (such as Facebook in China)
- If you are addicted to Hulu, Netflix, or other country-specific streaming services and websites, you can continue to access your accounts abroad
- You can even strategically use a VPN to save money on flights!
But the first benefit of surfing securely can’t be emphasized enough, as cyber-crime is pervasive and on the rise.
What’s a VPN Service?
A VPN service creates a firewall that encrypts your traffic (browsing, emails, downloads, uploads) and allows you to surf anonymously with a different IP address.
What to Look For
Your VPN service needs may vary, depending on your security needs, and whether you work with others in the scope of your work on the road.
- Ability to choose from multiple IP addresses, from different countries
- Licensing/connectivity for all your devices, including your smartphone
- Ability for multiple users in the same location to use it (in which case, you’ll need to pay attention to the service’s ability to deal with multiple operating systems)
Once you have a VPN service installed, try doing a few speed tests with and without the service connected. Check different IP address locations to get a good connection, but don’t be too obsessive about it (I spent the better part of a day determining that connection speeds ultimately vary minute to minute).
The benefits of surfing securely can’t be stated enough. When you’re at the mercy of dodgy connections the world round, this is a handy tool.
VPN Services I Recommend
Over the years, I’ve tried and tested quite a few VPN services. Below are my two favourites.
(I have used – as in, paid for! – both of these services and as such I endorse them. If you click either link and make a purchase I will earn a small commission which doesn’t affect your price. Thanks in advance for your support!)
TunnelBear is not only one of the leading VPN services on the internet; it’s also cute and ridiculously easy to use. And it has bears n stuff.
The free version (offering 500mb/month) is all but useless since it runs out in a few days, but the upgraded unlimited version (at $60/year) is fast, and seamlessly worked for me across multiple devices even when uploading and downloading items.
Not a lot of VPN services work with all devices and operating systems (Windows Phones being the trickiest to accommodate). But IP Vanish does.
It’s also fast, reliable, and allows you to choose from over 1,000 servers in 60+ countries. This is important, because it allows you to specifically choose a server that isn’t currently being overloaded with traffic, so you can maximize connection speeds.
For this (and other) added benefits, you pay a wee bit more for IP Vanish, at $78/year.
Chapter 5: Ultimate Password and Identity Protection With My Special USB Stick Trick
I know travelers who scan their official documents and store them in their email account (by emailing the scans to themselves) so they’re accessible from anywhere.
I have a problem with this.
The information being stored is very personal, and email account hacking is child’s play for internet fraudsters. Accessing an email account that has passwords, copies of ID, and other official documents would be a veritable gold mine.
So instead, I use my trusty USB Stick Trick.
I first learned about internet security from a travel colleague and former white collar hacker, who helped me devise the following plan:
- I use the free application called KeePassX both on my computer and on a USB stick. It creates an encrypted database that not only helps you manage your passwords, but allows you to store scans, additional notes, and information associated with each item.
- I have scans of all the ID and cards in my wallet, along with passwords and account numbers, and even relevant emergency numbers to call in case of loss or theft. I also store all my account numbers and passwords (from email to frequent flyer accounts and beyond), official documents, and of course – my passport.
- In addition to the KeePassX encrypted ID/password database, my trusty USB stick also has a few non-encrypted documents like any itinerary items I have (flight tickets or confirmation of reservations).
This USB stick then fits into a tiny pouch that I can keep under my clothes at all times, or in a belt (see Chapter 6 for information on the StashBelt – which is the perfect USB Stick companion!).
Basically, if something awful happens and I’m stripped of absolutely everything, I can wander into the nearest consulate with my trusty USB stick and start the process of reinstating my ID, cancelling stolen cards, and getting on with my life.
KeePassX does double-duty: Because I also maintain a copy of KeePassX on my computer, it serves as an ongoing easy reference for stored passwords and other sensitive information. I use this instead of online password storage services, as discussed in Chapter 2.
Chapter 6: How to Carry Cash (and USB Sticks!) With StashBelt
Hopefully, you’re now a convert for the USB Stick Trick, and are setting up one for yourself!
I started out stashing my USB stick – along with some cash and a backup credit card – in a little underclothes pocket. But it wasn’t always as ideal – or stealthy – as I wanted it to be.
Enter: The StashBelt.
The folks at StashBelt contacted me because they knew of my USB stick trick and wanted to give me an alternative way to carry it around.
What sets StashBelt apart from other money belts? It has a special pocket for a USB stick.
They’re also a Canadian company (go, Canada!), and they were featured on Dragon’s Den, where they snagged a pretty sweet deal.
I’m a sucker for fashion + function on the road (as can be evidenced here), so I said they could send me a StashBelt to test out.
StashBelt – The Product
StashBelts are made of 100% genuine pull-up leather (which, if you know about leather, means it’s good stuff, since not all leather belts are actually all leather). And although the use of leather may not earn bonus points with vegans, the cows are free-grazed and grass-fed. It has a lifetime warranty.
It’s also versatile; the buckle can easily be removed in case you have your own belt buckle or like to change them up.
There’s a long zipper on the inside revealing a pocket that can hold some precious items, most notably folded up cash.
And of course – the piece de resistance – StashBelt’s slim 4GB USB stick, which slides into a little dedicated pocket near the buckle.
StashBelt – The Company
This is where the story gets even more interesting. StashBelt is a Canadian company working in partnership with African artisans in Kenya. The leather is sourced, treated, and made into belts in Kenya, providing sustainable jobs in a socially-responsible way.
In addition, 10% of all StashBelt profits are used to make “angel investments” in Kenyan startup businesses.
Since their modest start with just the belt, they now also carry other products sourced and manufactured the same way, including bags, wallets, and toiletry kits.
StashBelt – My Take
The belt is extremely well made. The leather is very stiff, but this is good; a sign of something that will last a long time, and it moulded to my body as I continued to use it.
This also meant, however, that initially getting the USB stick in and out of its pocket was difficult. And because of the slim profile of the slot, you can only fit a very slim USB stick into the belt; thus, if you need to replace the USB stick provided by StashBelt, not just any one will do.
I’ve never used a money belt before, but I appreciate the ability to stash some extra cash in a secure spot using the zippered pocket. I wish it could fit a credit card (in order to make the StashBelt a true replacement for my USB Stick underclothes pocket), but that would make the belt way too wide for most belt loops. So, I concede, and I stash my backup credit card elsewhere.
And a note on sizing: pay special attention to the measurement guidelines on the site, since they don’t match up with trouser sizes. I measured according to their directions, and I have a perfect fit, with just enough slack to allow for a wee bit of weight gain/loss.
So would I recommend StashBelt? If you like belts and want the additional functionality of a money belt while you travel, and if you like my USB Stick Trick, and you like the idea of a Canadian-based socially responsible company, that’s enough reasons for me to say: go for it.
Special Discount For You!
Would you like to try out a StashBelt for yourself? Enter the code “prohobo” at checkout to receive 10% off your entire order!
Chapter 7: How to Protect Yourself from Theft with a Decoy Wallet
Carrying a decoy wallet can help protect you from financial theft as well as identity theft.
By having a wallet with a little bit of cash (this could be your spending cash for the day) plus a few cards that you don’t mind losing or which are duds (like membership cards or inactive credit cards), you have something expendable should you be involuntarily parted with your wallet.
Your perpetrator won’t know the cards are useless until they’ve made their getaway, and you won’t have lost all your cash by handing over a “real” wallet with everything in it.
Just don’t look too enthusiastic or smug when giving it up!
Although you can make your own decoy wallet, beware of what cards you put in it. For example, even inactive/expired credit cards contain private information you might not want to part with. For an alternative option, check out these ready-made Decoy Wallets.
Chapter 8: How to Carry and Store Your Passport the Safe Way (and What to Do if It’s Lost/Stolen)
Having your passport lost or stolen on the road sucks. Trust me: I know.
Our passports are our golden tickets into – and out of – any country, and the loss of one can range from being a mere inconvenience to a full-on drama (and an expensive one at that).
Not only can it interrupt your travels, but losing your passport is a major risk for identity theft.
Thus, I’m fairly diligent about how I carry and store my passport (and other official documents), and I’ve created a set of backups (with backups of the backups…and a few more backups for overkill – if you haven’t already figured it out, I’m pedantic about backups) to ease the burden of a potential loss.
Passport Carrying Techniques
I employ multiple techniques for carrying my passport (and copies thereof) such as:
Always Keep it in the Same Place
My passport is always in one of the following places:
- An underclothes neck wallet when I’m actively traveling
- Locked up in a hotel room safe
- Locked up in a special pocket in my luggage when I’m staying somewhere for a while
Carry a Copy at All Times
Technically if you’re in a foreign country and are stopped by an official, you should be able to produce your passport. But having your passport on you at all times is not only impractical, but an additional security risk.
Instead, I store a photocopy of the picture and signature page of my passport in my wallet. It’s with me always.
Keep a Scan
I have passport scans available on my computer and on my special USB stick. In both cases the scans are kept in an encrypted database. (This was covered in Chapter 5).
Leave a Copy at Home
In addition to carrying photocopies and electronic scans of my passport, I also leave a copy at home, in the care of a family member who can advocate on my behalf if necessary.
What to do if Your Passport is Stolen
My passport fiasco in 2013 was a hard-knocks lesson in what happens when you are abroad without a passport – and need a new one lickedy-split for upcoming travel.
Here is a step-by-step process of what to do when your passport is lost or stolen:
1 – Call your consulate/embassy
Let them know as soon as possible what has happened. They will guide you through the process and send you any necessary forms.
Your country’s embassy/consulate website should also be of assistance, providing not only contact numbers, but also some guidance as to what to do when your passport is lost or stolen, often providing forms for downloading and printing.
2 – Get a Police Report
This is a debatable requirement depending on the circumstances, however when I spoke to my consulate representative, she insisted that even if my passport was lost, a police report would expedite the process as legal documentation of what happened.
3 – Passport Photos
If you don’t already have a few on hand, then off to the photo store you go to get some passport photos – which you’ll need with your application for a new passport.
4 – Relevant Applications and Forms
You’ll need a new application form, and probably some additional forms like declarations of lost/stolen passports. Read and fulfil the requirements carefully to avoid delays; a reader recently cited having his application refused seven times when his passport was lost/stolen abroad – each time because of a minor error in the application.
5 – Identification
With your application, you’ll likely need to submit a piece of photo ID like a driver’s license, as well as a citizenship document. You’ll need to provide originals; if you must relinquish them during the passport application process, make sure you’ve got copies on hand in the meantime.
6 – If You’re Traveling
If you have travel plans, you can expedite the passport application process by providing proof of travel, such as a plane ticket. If they can’t expedite the full application in time, You’ll receive a temporary passport (which allows you to continue your trip until you exchange it for your replacement passport – the length of validity and specifics vary).
If that still won’t cut it, or if you simply need to return to your home country, you might be able to get an Emergency Travel Document, issued by the country you are visiting, to allow you to return home without a passport. Some airlines accept these documents and others don’t; be sure to check with the airline before you go down this road. I did this when I was in Grenada (and enroute to Panama); despite the 4,000km detour to Canada to get a new passport, it was quicker than applying for a new passport in Grenada since there’s no Canadian embassy/consulate in Grenada and I would have had to mail documents to Barbados (with a few extra requirements that made it far from a smooth process).
Chapter 9: What to Do if Your Identity is Stolen
Given all the incredible methods of protecting your data, identity, and finances that we’ve discussed in this guide, hopefully you’ll never have to deal with identity theft.
But unfortunately no one is impervious to it, and even the most diligent person may have to contend with identity theft.
In fact, I’d wager that travelers are at an even higher risk of identity theft, for two reasons:
- When you travel, it’s easier to misplace things – including credit cards and such
- In many places around the world, you are a target for all kinds of theft (especially if you’re a visible minority or look particularly flashy in juxtaposition to your surroundings)
There are numerous measures to help you protect various accoutrements against theft, such as advising your bank and credit card companies in advance of your travel plans, and carrying a decoy wallet.
But you needn’t even have anything stolen for your identity to be at risk. And depending on how long you go between checking your online accounts, a fair amount of damage can be done before you realize what’s happened.
You can make the process of recovering your identity much easier if you have backups of everything and follow my trusty USB stick trick (in Chapter 5), which gives you a leg up on making all the necessary phone calls to cancel and reissue various cards and accounts.
What to Do if Your Identity is Stolen
Whether at home or on the road, here is the standard procedure for dealing with identity theft:
File a Police Report
The first thing you’ll need to do is file a police report immediately. You’ll want to make sure you get lots of copies of the report, as you’ll need them for other steps to let various agencies and services know.
Check Your Social Security/SIN Number
Then you should try to discover if your social security number has been used fraudulently. You can start that process here.
Call Bank/Credit Card Providers
You’ll need to inform your bank and credit card companies of the identity theft. You might even need to close your accounts and open new ones. This is one situation where having copies of a police report will be handy.
Change Your Passwords
Make sure that any new accounts you open use completely different PIN codes and passwords. While you’re at it, best to change all your existing passwords too, just in case.
Review Your Statements
Closely review your account statements to spot any fraudulent charges so that you can have them reversed.
Get a Credit Check
A credit report will reveal if new applications for fraudulent accounts have been made in your name. If you see something suspicious, contact that institution’s fraud or security department so you can close any accounts you didn’t open and reverse any transactions you didn’t make.
And (this is very important) make sure they provide the corrected information to the credit bureaus.
For any accounts you close, charges you remove, or information on file that you correct, make sure that you always ask for confirmation letters from the organization.
There you have it, folks: the ultimate guide to Travel Security, and keeping your finances, hardware, software, data, and even your identity safe on the road.
By using the techniques outlined in this guide, you will reduce your chances of being financially or logistically inconvenienced by loss, damage, or theft of your physical – or digital – belongings.
You’ll protect your data, passwords, and accounts, and manage them securely.
You’ll mask your internet activities against lurking perpetrators and hackers.
You’ll have multiple backups of everything (even your wallet!), so the loss of one version isn’t the loss of all.
And you’ll know exactly what to do if everything goes wrong anyway.
A few years ago, I had my purse stolen in Cusco. Having “lived” in Peru for quite some time already, I had become complacent about personal and travel security, and I made a bunch of mistakes that rendered the event much more of an inconvenience than it needed to be.
But even so, because of the other systems and backups I had in place – systems and backups outlined in this very guide, I was back up and running with replacement ID and cards in a ridiculously short period of time. Even I was amazed at how effective my own systems were!
While I hope you’ll never have to learn first-hand the importance of travel security, with the tips and techniques in this guide, any security breaches – physical or digital, can be dealt with quickly and effectively.