Achtung vor Missbrauch: Konto-Check nach Reisen: Warum Belege jetzt Gold wert sind

Restaurant visits, surf lessons or souvenir purchases: While on vacation, the payment card or its digital equivalent may glow with activity. After all, it is practically always with the owner in swimwear on the smartphone or smartwatch. What should happen after returning from vacation is a check of the invoices to ensure they are correct.

This guarantees that the amounts were correctly debited. The German company Euro Kartensysteme highlights this. To compare, collect receipts during the trip or note expenses somewhere. This allows them to be matched against bank movements and credit card statements, even at home or while still traveling through the banking app. This is important even for small transactions that often go unnoticed in everyday life.

Discrepancies may indicate misuse. Anyone noticing inconsistencies or unauthorized debits should check if the card may have been lost or stolen. If so, they should lock it immediately. This applies to digital payment cards as well. Locking can be done directly through the respective credit institution or around the clock via the emergency call 116 116.

Alternatively, the lock app can be used. Many institutions support this function, as Euro Kartensysteme indicates. Unauthorized debits can then be retrieved from the bank or credit union, depending on the provider and card. Different procedures and deadlines apply, according to the German Association of German Banks. However, the institution usually provides a complaint form.