ATM surcharges - TravelPUNK Backpacker College Student Budget Travel Message Boards!



Go Back   TravelPUNK Backpacker College Student Budget Travel Message Boards! > Members Lounge > General Travel Tips, Education, Advice > Travel Budget, Money Matters, Financial Talk

Travel Budget, Money Matters, Financial Talk Mom, can I borrow ten grand?! Gimme yo mastercard! How the heck can I pay for my trip?! Ideas for making money. How much dough do I need?

Raileurope.com: See Europe by train
Reply
 
LinkBack Thread Tools Display Modes
Old 07-28-2006, 02:43 PM   #1
Members
 
Join Date: Jun 2006
Location: Richmond VA USA
Posts: 86
Thanks: 0
Thanked 0 Times in 0 Posts
Default

Anybody know what kind of ATM surcharges there are in Europe when you use a debit card to get cash? Are there things like surcharges when you use debit/credit cards to buy train tickets etc.? I'm trying to budget! thanks guys!
farfaraway is offline   Reply With Quote
Old 07-28-2006, 03:03 PM   #2
Minister of Offense
 
omisan's Avatar
 
Join Date: Jun 2004
Location: San Fran Disco
Posts: 6,561
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to omisan Send a message via Yahoo to omisan
Default

It mostly depends on the vendor. Most banks charge a small fee for debit card purchases (pricing structure varies whether it's done as a PIN-based or Visa/MC transaction), and it's up to the vendor whether or not they want to pass on the cost as a fee...
__________________
¿Donde esta Omid? Omi-san wa doko desuka? Ou est Omid? Wo ist Omid?

Find out @ http://omidabroad.blogspot.com

omisan is offline   Reply With Quote
Old 07-28-2006, 09:44 PM   #3
T-PUNK VICE ADMIRAL
 
Join Date: Jan 2005
Location: Atlanta, GA USA
Posts: 1,315
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to foofiter Send a message via MSN to foofiter Send a message via Yahoo to foofiter Send a message via Skype™ to foofiter
Default

Best bet is to ask your bank. Most ATMs in Europe will not charge you a fee to withdraw. Your bank, on the other hand, may charge you for using an ATM that they do not own. As far as debit charges thru visa/mc omi is right. Some merchants pass the fee onto you. I found that most train stations eat the fee just like here in the USA.

Foo

__________________
"To Alcohol! The cause of--and solution to--all life's problems." -- Homer J. Simpson
"I didn't get to where I am today worrying about how I am going to feel in the morning." -- Ron White (Blue Collar Comedy Tour)
"I was born to lose and destined to fail." -- Mike Ness, Social Distortion
"Eat healthy, exercise daily, die anyway" -- My motto
"Everyone I know, goes away, in the end...I will let you down, I will make you hurt..." -- Johnny Cash (NIN Cover of "Hurt")

I am traveling around the world until I find something that makes me want to stop. I am an aspiring photographer and hope to find whatever it is I am looking for...
foofiter is offline   Reply With Quote
Old 07-30-2006, 04:18 AM   #4
TPunk Emeritus
 
Join Date: Oct 2003
Location: Northern British Columbia Canada
Posts: 928
Thanks: 0
Thanked 1 Time in 1 Post
Send a message via MSN to TheWills
Default

One thing you really wanna do is go to your bank and ask them if they have any partners in Europe, for example my bank is a partner with DeutscheBank so I dont get dinged a fee at all if I use DB If I use any other bank its 5 dollars per withdrawl......ouch!!!!

Or you can ask them if there is a plan you can set up like you pay a flat rate of 25 dollars a month for example and then take out as much cash as you want thats what my buddy is doing over here cause before he called the bank and straightend it out he would pay 3 dollars per withdrawl again that adds up!

You also probably wont be able to use your debit card to purchase stuff from vendors, my mate tried it a couple times but it wont go through so your gonna probably have to carry cash all the time!

good luck though
wills
TheWills is offline   Reply With Quote
Old 07-30-2006, 09:03 AM   #5
T-PUNK RANGER
 
Join Date: Mar 2006
Location: vancouver island, canada
Posts: 84
Thanks: 0
Thanked 0 Times in 0 Posts
Default

im in europe right now and all i have been doing is takeing out large amounts of cash from the tellers. my bank charges $5 for each withdrawl, so i just take out enough to last a while. the debit card doesnt usually work at the shop but any type of credit card will, just make sure you pay your bills.
__________________
"its only after you lose everything, that you are free to do anything" -Fight Club
thekid is offline   Reply With Quote
Old 08-22-2006, 03:01 PM   #6
Members
 
Join Date: Aug 2006
Location: san francisco
Posts: 13
Thanks: 0
Thanked 0 Times in 0 Posts
Default

I just called up washington mutual (in california). They charge $3 per foreign atm use (in addition to what the european bank charges) and don't partner with any bank overseas. The operator told me you can use your your debit card without charge at say a restaurant, but perusing these emails it doesn't seem there are too many places thatt will accept them. Good Luck...the rule of thumb seems to be: nothing to excess. I'm planning on a bit of traveller's cheques, use my atm for larger amounts of money that I'll use carrying around (and ask my hotel/ hostel where I might get the best atm conversion rates) , a little bit of credit card purchase and perhaps a bit of winky-wink barter/exchange.
rugbyrne@hotmail.com is offline   Reply With Quote
Old 08-22-2006, 03:34 PM   #7
Minister of Offense
 
omisan's Avatar
 
Join Date: Jun 2004
Location: San Fran Disco
Posts: 6,561
Thanks: 0
Thanked 0 Times in 0 Posts
Send a message via AIM to omisan Send a message via Yahoo to omisan
Default

I have WaMu and get the foreign ATM charge, but luckily, I have yet to encounter an ATM in Europe (or anywhere else outside the US, for that matter) that has dinged me for using their machines. Perhaps it's a courtesy for foreign users, as I've noticed Barclays Bank ATMs have signs on them that claim no-fees for out-of-network users.
__________________
¿Donde esta Omid? Omi-san wa doko desuka? Ou est Omid? Wo ist Omid?

Find out @ http://omidabroad.blogspot.com

omisan is offline   Reply With Quote
Reply






Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On



All times are GMT -7. The time now is 08:23 PM.



 

Search Engine Optimization by vBSEO 3.2.0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121