Dutch Money

David Horne, _the_ chancellor (* wrote:
Mike Lane wrote:

David Horne wrote on Jan 26, 2011:

Mike Lane wrote:

S Viemeister wrote on Jan 25, 2011:

On 1/24/2011 9:18 PM, Erilar wrote:
Ken wrote:
On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:


American card issuers don't charge fees in euros. There are ATM card
issuers that don't charge a fee at all for foreign withdrawals but they
are becoming rare.


Can you mention which ATM issuers don't charge a fee for foreign
withdrawals?

My bank kindly tells me it's free at their ATMs, none of which are in
Europe of course 8-(

Some credit unions and smallish local banks offer free ATM withdrawals
at _any_ ATM.

I wish I knew of one in the UK.

http://www.moneysavingexpert.com/ gives advice. Halifax Clarity card
seems the best choice... at the moment.

Yes but that's a credit card - I don't want credit.

So, don't get it then.

As we all know if one
makes a cash withdrawal, one is charged interest from that day until it's
payed off.

It is nevertheless the best deal, working out at 1% charge if you get
the lower interest rate. Any other method you use for withdrawing money
from foreign ATMs on a UK bank account or card will be more expensive.

I would like an account which will allow me to withdraw my own cash without
charging me for the privilege.

So would I. It doesn't seem to exist.

Well, at least debit cards don't start charging interest from the moment
you make a cash withdrawal.

--
Erilar, biblioholic medievalist with iPad

Martin wrote:
On Wed, 26 Jan 2011 16:32:43 +0000 (UTC), Erilar
wrote:

Martin wrote:
On Tue, 25 Jan 2011 23:26:55 +0000 (UTC), David Hatunen
wrote:

On Mon, 24 Jan 2011 22:57:51 +0100, Martin wrote:

On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:

It seems to be a matter of having a US-issued card. I have no idea about
intra-European usage.

The machine charges you to use it irrespective of card,

As I mentioned before, I have never been charged by an ATM (actually, by
the institution, of course) in Europe for using a US-issued card; I
understand that this has been standard. I confess, though, to not having
used a European ATM for several years now. I also point out that I have
never used one of those ATMs not connected to a bank.

Exactly what point are you trying to make?

How silly their "free ATM use" is. If I'm standing outside the bank I
might as well go inside and skip some of the machine work.

Except if the bank is closed and if it is open you can stand in a long queue as
most banks have got rid of counter staff so as to increase profits.

I've never encountered a line of more than one at this bank 8-)
--
Erilar, biblioholic medievalist with iPad

Erilar wrote:

David Horne, _the_ chancellor (* wrote:
Mike Lane wrote:

David Horne wrote on Jan 26, 2011:

Mike Lane wrote:
[]
Yes but that's a credit card - I don't want credit.

So, don't get it then.

As we all know if one
makes a cash withdrawal, one is charged interest from that day until it's
payed off.

It is nevertheless the best deal, working out at 1% charge if you get
the lower interest rate. Any other method you use for withdrawing money
from foreign ATMs on a UK bank account or card will be more expensive.

I would like an account which will allow me to withdraw my own cash without
charging me for the privilege.

So would I. It doesn't seem to exist.

Well, at least debit cards don't start charging interest from the moment
you make a cash withdrawal.

That's irrelevant, unless there's one for the UK customer which has a
lower foreign exchange fee (and currency conversion markup) than 1%.
Maybe I should just stop answering this question in any detail at all,
and give the website for UK consumers. Then they can find the
information they need and go from there.

http://www.moneysavingexpert.com/

--
(*) of the royal duchy of city south and deansgate
www.davidhorne.net (email address on website)
"[Do you think the world learned anything from the first
world war?] No. They never learn." -Harry Patch (1898-2009)

David Horne, _the_ chancellor (* wrote:
Erilar wrote:


Well, at least debit cards don't start charging interest from the moment
you make a cash withdrawal.

That's irrelevant, unless there's one for the UK customer which has a
lower foreign exchange fee (and currency conversion markup) than 1%.
Maybe I should just stop answering this question in any detail at all,
and give the website for UK consumers. Then they can find the
information they need and go from there.

My debit card doesn't charge interest on my money, but they charge me for
using a foreign ATM. My credit card, which pays ME for using it as a
credit card, starts charging interest the minute I use it for a cash
withdrawal, so I don't use it thst way.



--
Erilar, biblioholic medievalist with iPad

Martin wrote:
On Thu, 27 Jan 2011 15:16:33 +0000 (UTC), Erilar
wrote:

Martin wrote:
On Wed, 26 Jan 2011 16:32:43 +0000 (UTC), Erilar
wrote:

Martin wrote:
On Tue, 25 Jan 2011 23:26:55 +0000 (UTC), David Hatunen
wrote:

On Mon, 24 Jan 2011 22:57:51 +0100, Martin wrote:

On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:

It seems to be a matter of having a US-issued card. I have no idea about
intra-European usage.

The machine charges you to use it irrespective of card,

As I mentioned before, I have never been charged by an ATM (actually, by
the institution, of course) in Europe for using a US-issued card; I
understand that this has been standard. I confess, though, to not having
used a European ATM for several years now. I also point out that I have
never used one of those ATMs not connected to a bank.

Exactly what point are you trying to make?

How silly their "free ATM use" is. If I'm standing outside the bank I
might as well go inside and skip some of the machine work.

Except if the bank is closed and if it is open you can stand in a long queue as
most banks have got rid of counter staff so as to increase profits.

I've never encountered a line of more than one at this bank 8-)

Piggy Bank? :-)

Do you buy all the foreign currency for your holiday there?

Sometimes, if I'm going to a non-euro country, I'll get some so I don't
have to find and deal with a new kind of ATM with a bad combination of jet
lag and exhaustion in a strange airport. Been there, done that--very
unhappily.

As I said, my US bank is going to charge me a fee anywhere except at their
own ATMs and there are none out of the US anyway, so any ATM I can figure
out will do.


--
Erilar, biblioholic medievalist with iPad

Martin wrote:
On Thu, 27 Jan 2011 14:57:23 +0000 (UTC), Erilar
wrote:

Mike Lane wrote:
Erilar wrote on Jan 26, 2011:

Martin wrote:
On Tue, 25 Jan 2011 23:26:55 +0000 (UTC), David Hatunen
wrote:

On Mon, 24 Jan 2011 22:57:51 +0100, Martin wrote:

On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:

It seems to be a matter of having a US-issued card. I have no idea about
intra-European usage.

The machine charges you to use it irrespective of card,

As I mentioned before, I have never been charged by an ATM (actually, by
the institution, of course) in Europe for using a US-issued card; I
understand that this has been standard. I confess, though, to not having
used a European ATM for several years now. I also point out that I have
never used one of those ATMs not connected to a bank.

Exactly what point are you trying to make?

How silly their "free ATM use" is. If I'm standing outside the bank I
might as well go inside and skip some of the machine work.


You are very fortunate. When I am standing outside a bank, I quite often find
it is closed.


Life style difference 8-). If I'm somewhere where that bank has an ATM and
need more cash than I have with me, it's at a time when the bank would be
open. Places where I need more cash aren't in the same country as this
bank and its ATMs.

Never been caught out by bank holidays when not in the same country?

If I'm in another country my bank has no ATMs, so there are no free ones
anyway.
--
Erilar, biblioholic medievalist with iPad

On Thu, 27 Jan 2011 17:31:18 +0100, Martin wrote in post :
:

On Thu, 27 Jan 2011 12:47:05 +0100, "Tim C." wrote:

On Thu, 27 Jan 2011 11:03:10 +0100, Martin wrote in post :
:

Some credit unions and smallish local banks offer free ATM withdrawals
at _any_ ATM.

Mine does as well, anywhere in the Eurozone as long as the bill/cash is in
Euros.

Part of the Euro rules?

I don't think it can be, or there would be no discussions about Euro ATM
charges.

How naive can you get? LOL

Somebody has to be :-)

I can use my Dutch card in any bank ATM without charge.

My bank doesn't specify only bank ATMs. I regularly use ones here in petrol
stations and supermarkets and so on.

--
Tim C.
Two aerials meet on a roof - fall in love - get married
The ceremony was rubbish but the reception was brilliant.

Tim C. wrote on Jan 27, 2011:

On Mon, 24 Jan 2011 21:29:02 -0500, S Viemeister wrote in post :
:

On 1/24/2011 9:18 PM, Erilar wrote:
Ken wrote:
On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:


American card issuers don't charge fees in euros. There are ATM card
issuers that don't charge a fee at all for foreign withdrawals but they
are becoming rare.


Can you mention which ATM issuers don't charge a fee for foreign
withdrawals?

My bank kindly tells me it's free at their ATMs, none of which are in
Europe of course 8-(

Some credit unions and smallish local banks offer free ATM withdrawals
at _any_ ATM.

Mine does as well, anywhere in the Eurozone as long as the bill/cash is in
Euros.


I think in the UK, ATMs that charge a fee will always charge it, whatever
card you use.

--
Mike Lane
UK North Yorkshire
mike_lane at mac dot com

On Fri, 28 Jan 2011 08:18:10 +0000, Mike Lane wrote in post :
edia.com :

Tim C. wrote on Jan 27, 2011:

On Mon, 24 Jan 2011 21:29:02 -0500, S Viemeister wrote in post :
:

On 1/24/2011 9:18 PM, Erilar wrote:
Ken wrote:
On Mon, 24 Jan 2011 19:53:02 +0000 (UTC), David Hatunen
wrote:

American card issuers don't charge fees in euros. There are ATM card
issuers that don't charge a fee at all for foreign withdrawals but they
are becoming rare.

Can you mention which ATM issuers don't charge a fee for foreign
withdrawals?

My bank kindly tells me it's free at their ATMs, none of which are in
Europe of course 8-(

Some credit unions and smallish local banks offer free ATM withdrawals
at _any_ ATM.

Mine does as well, anywhere in the Eurozone as long as the bill/cash is in
Euros.


I think in the UK, ATMs that charge a fee will always charge it, whatever
card you use.

Probably true, but there will be no other charges added by the banks.
Luckily charging for ATM use hasn't caught on here, I've never seen one.
--
Tim C.
Why are there snakes on my windscreen? Those are my vipers.

Martin wrote:
On Fri, 28 Jan 2011 08:16:16 +0100, "Tim C." wrote:


I regularly use ones here in petrol
stations and supermarkets and so on.

I pay for most things with it and without charge.

It sounds to me as if you are talking about using it as a credit card.
When I use my debit card as a credit card, there is no charge ; the charge
is for using it in a non-USBank ATM. My regular credit card doesn't charge
unless I don't pay the whole bill each month(which I do) AND pays ME for
using it.


--
Erilar, biblioholic medievalist with iPad