How can I utilize my travel card effectively?

I am planning to go abroad. Recently, I updated my travel card password through a Nepali ATM. However, I’ve heard suggestions about using it for point-of-sale transactions or online payments. When I mention POS, i believe it’s similar to making purchases at a local market, but I’m unsure about the process of sending money to someone without having to withdraw cash from an ATM. I hold a travel card with Sanima Bank.

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