Yes, a Hong Leong Bank debit card can be used overseas for point-of-sale retail purchases and international ATM cash withdrawals, provided that specific security protocols are met. Due to regulatory fraud-prevention requirements mandated by financial authorities, cardholders are typically required to explicitly "opt-in" for overseas transactions before travelling. This can be easily managed and activated directly through the HLB Connect mobile banking application, via internet banking portals, or by contacting customer service. Users must enable features such as "Overseas Retail Purchase" or "Overseas ATM Withdrawal" prior to departure; otherwise, any card swipe or withdrawal attempt outside the home country will be automatically declined by the security system. Additionally, users should be mindful of potential foreign exchange conversion spreads and international transaction fees that may apply when utilizing the card at foreign merchants or overseas ATM terminals.