Withdrawing from an ATM abroad
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Well I don't pay anything here either. When i asked at the foreign exchange desk they told me it's free within the Eurozone and I definitely wasn't charged extra.
I guess that means you can spend more treating yourself while away
BTW, that's right, once your card has the Cirrus logo it'll work.
I guess that means you can spend more treating yourself while away
BTW, that's right, once your card has the Cirrus logo it'll work.
PatriciaFox
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If the logos are on the back of your laser card, you should be good to go.
You can use it as you would a laser card here also....in shops, bars, etc, although I've been asked for ID when using it shopping in Spain, which was a first ever, anywhere.
You can use it as you would a laser card here also....in shops, bars, etc, although I've been asked for ID when using it shopping in Spain, which was a first ever, anywhere.
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This is a result of Regulation 2560/2001 of the EU which essentially says that charges for card transactions executed in euro in Europe should be the same as the charge for the same transaction in the cardholders home country. So if an Irishman and a Frenchman both draw cash from an ATM in Spain, the Irishman will be charged Irish charges, while the Frenchman will be charged French charges.
PatriciaFox
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AFAIK, if you pre-load your credit card and its swiped fraudulently, the amount in credit is not covered by standard VISA insurances. Check the T&cs with you Credit card and travel insurance.
My banking experience is a couple of years old, but from what I remember Visa charge a standard Cash withdrawl charge - not your bank, which is up to a certain amount, and a percentage thereafter.
Read the T&Cs
I usually use online banking (taking the usual security precautions when accessing it) to transfer money to the CC in dribs and drabs as needed rather than in one go.
That's for cash advances and not cash withdrawals from an account preloaded with cash. And it's normally a percentage of the amount advanced subject to some minimum amount. Some cards also charge interest from the time of the advance. Others (e.g. my PTSB VISA) do not and treat it like any other purchase once the cash advance fee has been charged. Some ATMs may also unilaterally charge a fee for withdrawals (e.g. some in the US do and state this up front).
Many Irish Credit cards also charge for a cash withdrawal, even when the card is in credit: eg: AIB EBS MBNA GE money Ulster bank etc Itsyourmoney.ie
Well it must include support for something like Cirrus or Maestro if you got cash abroad. My latest PTSB card is a combined cheque guarantee, ATM, Laser, Cirrus and Maestro.
Yes some probably do. But you seemed to suggest that ALL VISA cards did:
Well, I didn't actually....
I just provided the reference to itsyourmoney where the information is.
Nicola
Well if it does it doesn't say so on the card, it has NO Cirrus or Maestro symbols on it.