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#51
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Whilst not specifically relating to ATMs, the following might be of
interest - http://www.ballarat.edu.au/ard/resea...ndRegional.doc Geoff Lillico www.the-commissioner.com "Frank Slootweg" wrote in message ... Geoff Lillico wrote: I was simply concerned that "rural" might be interpreted by some as anything outside of the capital cities. Fair enough! For my education, can you (try to) give a description of what is meant by "rural", so that I can check if my interpretation/ usage of the term is (more or less) correct? Thanks. |
#52
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FWIW, I have successfully used an Australian ATM card (Woolies banking, thru CBA) linked to 'Cirrus' or 'Maestro', as an EFTPOS card in the USA recently. Even got 'cashback' (called 'cashout' here, I think). The same card also worked fine when used as an EFTPOS card at the 'pay at the pump' facilites at gas stations there. Dom "A Mate" wrote in message ... Sorry - I misread your reply. In fact EFTPOS has never worked for me, outside Australia, not even in NZ!! I 'run' a Visa (Plus affiliated) card, which is linked to an overdraft facility as well as having an inbuilt credit limit. A sort of hybrid debit/credit card - not uncommon in Australia. I can withdraw cash up to my balance + my credit limit. It has worked as an ATM card in locations as disparate as Turkey, Canada, Vietnam, Rome, Ireland etc etc; but I've never been able to use it for eftpos outside Australia!! "Frank Slootweg" wrote in message ... A Mate wrote: Frank, Plus is the Visa cash network - and while possibly unknown by name to many Europeans - in existence throughout virtually all the 'electronically connected' world. There are many interlocking and overlapping networks operating almost everywhere - most ATMs carry logos from the common networks in their neck of the woods only - but your bank should be able to tell you just which worldwide networks your card will operate on!! There would be very few cards which are not affiliated with Plus!! Note that I was talking about withdrawing money from an *EFTPOS* establishment (i.e. a shop, service station, etc.), *not* from an *ATM*. *ATMs* are indeed no problem for our European/Dutch debit cards (nor for our credit cards), but, as I wrote/detailed, *EFTPOS* *is*, as far as withdrawing money is concerned (for both our credit cards and our debit cards). FWIW, two of the non-working cards were issued by ABN-AMRO (perhaps known as ABN in Oz), which is a well-known world-wide bank. Bottom line: Don't assume that a *foreign* credit (or debit) card will work for *withdrawing* money from *EFTPOS*. Sorry for all the emphasis, but few people seem to understand the difference between pay/withdraw, credit/debit and ATM/EFTPOS. "Frank Slootweg" wrote in message ... Gerrit 't Hart wrote: "Frank Slootweg" wrote in message ... A Mate wrote: Travellers Cheques are no longer used much. ATM's are almost everywhere (even in the outback you can withdraw money through your credit card using eftpos). In our experience [1], that (withdrawing money using EFTPOS) only works for a *debit* card and then only for the *right* debit card. A (non-Oz) MasterCard credit card does *not* work an nor does a European "Europas" or "Worldpass" debit card. So beware. Hence my earlier advice. Theoretically using a credit card with the Plus symbol on it should enable you to withdraw direct from your Chequing account, or your savings account, whichever is connected on the card. However I would not bet on it. Several months ago we were in Europe (Netherlands) and tried to withdraw from my cheque account but the ATMs in Holland wouldn't let me do it! I checked with the bank (owning two of those ATMs and their staff didn't have a clue as to what the Plus symbol meant. So I gave up and used the credit card normally. Placed a fairly large credit onto the card account and so saved interest charges on withdrawals. BTW the Plus function works in Australia and Singapore. But if your own bank has a problem with this you could still be in hot water if you are relying on it. Indeed, "Plus" is unknown in The Netherlands and probably in most of Europe and quite possibly also in the UK where the OP is from. That is why I posted what I posted: I.e. Australians should not assume that just because they can do some thing with *their* (i.e. Australian) cards, that 'foreigners' can do the same with their (foreign) cards. So it would be nice if another person from the UK could post his/her positive/negative experience with withdrawing money from an Australian EFTPOS establishment. |
#53
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In Australia, withdrawing cash at the shop is called "cashout", or
"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is not available when doing a VISA / MasterCard purchase transaction (regardless of where the VISA / MasterCard card was issued). To make things clear, "EFTPOS" is where you swipe your card through the terminal at the shop, press the "cheque" or "savings" button (not the "credit" button) on the terminal, check the amount, and then enter your PIN (4 - 12 digits). The funds are immediately withdrawn from your account. As far as I am aware, the only overseas-issued card that will work for EFTPOS transactions in Australia (and hence the only overseeas-issued card that could possibly be used for EFTPOS cashout) is the (overseas-issued) Maestro card. However, unlike Australian cards, the (overseas-issued) Maestro card will only work at EFTPOS merchants using the Commonwealth Bank as their acquirer. http://www.maestrocard.com Among the major Commonwealth Bank EFTPOS merchants (they display the Maestro sticker) are Woolworths / Big W, and Australia Post. So for the major supermarkets in Australia, the (overseas-issued) Maestro card should work at Woolworths (Commonwealth Bank EFTPOS merchant), but not at Coles (National Australia Bank EFTPOS merchant). Note: * I am not aware of anyone actually having done this transaction. * I don't know which button you would need to push - cheque or savings. You may have to try both, or either might work. * EFTPOS merchants set their own policies regarding EFTPOS cashout. Supermarkets allow up to about $500 cashout. Many EFTPOS merchants have a policy of "No EFTPOS cashout", such as Australia Post (Post Offices). Frank Slootweg wrote: Guys, can you *please* pay attention? As I have mentioned umpteen times in *this* thread, "taking cash out with a purchase" at EFTPOS does *not* work with *foreign* (debit/credit) cards. As this is a travel group and many people, including the OP, are not from Oz, please do not give advice which happens to work for you, but does not work for foreigners. Let's make this deal: Until there is a reliable report from a 'foreigner' (with exact details about the type and brand of card (s)he used) that it *is* possible, the Aussies in this group will refrain from saying that it is possible to take cash out with a purchase at EFTPOS. So I called you on, apparently, not reading the "*foreign* (debit/credit) cards" bit in the part which you quoted. And by the way, that was not the first time I mentioned foreign cards (in this thread). I have been doing that all along (as soon as the withdrawing money from EFTPOS came up), the first time on "Date: 14 Dec 2004 14:08:42 GMT", i.e. six days earlier, in . I hope this clears up the confusion. Anyway, all this is rather moot because, as I said, your quote from the website confirms what I have experienced and have been saying all along, namely that foreign cards do not work for withdrawing money (from EFTPOS). |
#54
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"Frank Slootweg" wrote in message ... artwahh wrote: We are travelling to Oz very shortly. We are seeking advice on the best way to take the cash there. We have debit cards, credit cards and money in the savings. Do we get travellers cheques? or take our cards?????? Any help would be much appreciated Thanks A credit card and a spare one (in case anything happens to the first one) and some cash (drawn from an ATM upon arrival) to get you through the next few days (in case there is no ATM, it is closed/broken/empty/limited/etc.). Mind that yo don't keep all your cards together (I just sent my wallet on an unaccompanied cab ride around Singapore) and check that cancelling a primary card won't automatically disable your backups. Dave Campbell |
#55
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On Tue, 21 Dec 2004 16:28:00 +0900, z wrote:
In Australia, withdrawing cash at the shop is called "cashout", or "EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is not available when doing a VISA / MasterCard purchase transaction (regardless of where the VISA / MasterCard card was issued). It has been known to happen however. Dave ===== NSW Rural Fire Service - become a volunteer today. http://www.rfs.nsw.gov.au/ |
#56
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I have Australian Credit Union, Visa card ANZ master card, and live in
Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos weekly for the last two years, Mastercard no cashout. I asked both banks b4 leaving Aus.. It must be able to be programmed onto visa card somehow, or in the system somewhere, whether the card is permitted to cash out -- Adaware http://www.lavasoft.de spybot http://security.kolla.de AVG free antivirus http://www.grisoft.com Etrust/vet/CA 12 Month free trial (till Feb 2005) http://www.my-etrust.com/microsoft/ Etrust/Vet/CA.online Antivirus scan http://www3.ca.com/securityadvisor/virusinfo/scan.aspx Panda online AntiVirus scan http://www.pandasoftware.com/ActiveScan/ Catalog of removal tools (1) http://www.pandasoftware.com/download/utilities/ Catalog of removal tools (2) http://www3.ca.com/securityadvisor/n...aspx?CID=40387 Blocking Unwanted Parasites with a Hosts file http://mvps.org/winhelp2002/hosts.htm links provided as a courtesy, read all instructions on the pages before use Grateful thanks to the authors/webmasters _ "Dave Proctor" wrote in message ... On Tue, 21 Dec 2004 16:28:00 +0900, z wrote: In Australia, withdrawing cash at the shop is called "cashout", or "EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is not available when doing a VISA / MasterCard purchase transaction (regardless of where the VISA / MasterCard card was issued). It has been known to happen however. Dave ===== NSW Rural Fire Service - become a volunteer today. http://www.rfs.nsw.gov.au/ |
#57
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On Wed, 22 Dec 2004 18:52:03 GMT, "AlmostBob"
wrote: I have Australian Credit Union, Visa card ANZ master card, and live in Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos weekly for the last two years, Mastercard no cashout. I asked both banks b4 leaving Aus.. It must be able to be programmed onto visa card somehow, or in the system somewhere, whether the card is permitted to cash out It is a mindlessly trivial thing to do, as long as the credit card system is not linked to the cash register - i.e. a stand alone system. If the stuff you are buying is worth $45.20 (as an example) and you want $30 cash, you just run the charge through for $75.20. Dave ===== NSW Rural Fire Service - become a volunteer today. http://www.rfs.nsw.gov.au/ |
#58
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Dave Proctor wrote:
On Wed, 22 Dec 2004 18:52:03 GMT, "AlmostBob" wrote: I have Australian Credit Union, Visa card ANZ master card, and live in Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos weekly for the last two years, Mastercard no cashout. I asked both banks b4 leaving Aus.. It must be able to be programmed onto visa card somehow, or in the system somewhere, whether the card is permitted to cash out It is a mindlessly trivial thing to do, as long as the credit card system is not linked to the cash register - i.e. a stand alone system. If the stuff you are buying is worth $45.20 (as an example) and you want $30 cash, you just run the charge through for $75.20. But that's exactly the problem! In most shops they *are* 'linked'. Hence my "Date: 14 Dec 2004 14:08:42 GMT" response ) . I.e. in your scenario, the cash register (till?) will have a shortage of $30 and the credit card account/registration/whatever will have a surplus of $30 (for 'good/services' payed, but not delivered). In most shops, the *attendant* (i.e. not owner) will not be able to cleanup the resulting administrative/accounting mess and therefor will be unable to help you out. Only in *exceptional* situations like the one I described (i.e. the owneress of a caravanpark helping us out), will you be able to get cash from these *normal*, 'linked' systems. So what you describe is (IMO) the *exception* not the rule. We tried at four shops (In Leigh Creek) (and the caravanpark (in Copley)) and only the caravanpark owneress could help us out. So I repeat my very first advice (for *foreign* travellers): Get some cash (drawn from an ATM) to get you through the next few days (in case there is no ATM, it is closed/broken/empty/limited/etc.). |
#59
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Dave Proctor wrote:
On Wed, 22 Dec 2004 18:52:03 GMT, "AlmostBob" wrote: I have Australian Credit Union, Visa card ANZ master card, and live in Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos weekly for the last two years, Mastercard no cashout. I asked both banks b4 leaving Aus.. It must be able to be programmed onto visa card somehow, or in the system somewhere, whether the card is permitted to cash out It is a mindlessly trivial thing to do, as long as the credit card system is not linked to the cash register - i.e. a stand alone system. If the stuff you are buying is worth $45.20 (as an example) and you want $30 cash, you just run the charge through for $75.20. But that's exactly the problem! In most shops they *are* 'linked'. Hence my "Date: 14 Dec 2004 14:08:42 GMT" response ) . I.e. in your scenario, the cash register (till?) will have a shortage of $30 and the credit card account/registration/whatever will have a surplus of $30 (for 'good/services' payed, but not delivered). In most shops, the *attendant* (i.e. not owner) will not be able to cleanup the resulting administrative/accounting mess and therefor will be unable to help you out. Only in *exceptional* situations like the one I described (i.e. the owneress of a caravanpark helping us out), will you be able to get cash from these *normal*, 'linked' systems. So what you describe is (IMO) the *exception* not the rule. We tried at four shops (In Leigh Creek) (and the caravanpark (in Copley)) and only the caravanpark owneress could help us out. So I repeat my very first advice (for *foreign* travellers): Get some cash (drawn from an ATM) to get you through the next few days (in case there is no ATM, it is closed/broken/empty/limited/etc.). |
#60
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In article , Frank Slootweg
says... So I repeat my very first advice (for *foreign* travellers): Get some cash (drawn from an ATM) to get you through the next few days (in case there is no ATM, it is closed/broken/empty/limited/etc.). We could link this one to the "Security in Sidney" thread for a discussion on getting money without a valid card... |
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