What bank/credit card do you use? - TravelPUNK Backpacker College Student Budget Travel Message Boards!



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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?

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Old 01-13-2009, 01:41 PM   #1
 
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Default What bank/credit card do you use?

It has come up several times in my reading, and I've even posted a few questions about it myself. If there is no "best" bank out there when it comes to international service, and atm fees, which banks are at least ok? which banks to the tpunk travelers use??? damn financial institutions.
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Old 01-13-2009, 02:17 PM   #2
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I know Royal Bank and Scotiabank are both $5.00 an international transaction.

I transferred extra money onto my VISA card and took out a cash advance when my debit card wouldn't work and it didn't seem to cost me anything extra, from what I could see on my VISA statement.
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Old 01-13-2009, 02:54 PM   #3
 
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I just had a thought. What about prepaid visa cards. What would happen if one were to load one of those up with some cash, would it circumvent any of the credit card fees?????
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Old 01-13-2009, 08:08 PM   #4
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^^^That's what I did. I loaded up my credit card and used it as a bank card, because the transaction fees were lower than my regular bank card. And no, no credit fees whatsoever. :D
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Old 01-13-2009, 08:20 PM   #5
 
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Capital One seems to charge the lowest fees. Unfortunately they do not have a checking account option, however if you need a credit card you may look with them.

Otherwise I have a ETrade savings account that I'll transfer money to my Australian Bank Account that I'll be setting up once I get there. Pay with cash is my best advice, ATM's give you the best rate and sometimes are free of surcharge.
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Old 01-14-2009, 04:32 AM   #6
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I know if you are a Westpac customer in Australia (or St George as they are now the same company), you can get free ATM transactions at Bank of America, Barclays, Deutsche Bank, Scotiabank and a few others. So I'm guessing if you're with one of those, you get the same deal? they're in some kinda network I guess.
I'd always rather pay a few bank fees than carry around large wads of cash and risk losing it, but everyone has different preferences for how they deal with money overseas.
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Old 01-14-2009, 01:48 PM   #7
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my main acct is with Wachovia however i just looked at my BBT acct (keep some money there in case my wachovia card gets rejected) statement...do not use them for intl withdrawals...jacked up fees!

wachovia only charges $2 plus a small %
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Old 01-14-2009, 01:52 PM   #8
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And as for credit card, if you are going to Europe, Visa is more widely use over there.
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Old 01-14-2009, 02:49 PM   #9
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Found this link with all atm/credit card fees. I use hsbc and was almost always able to find an hsbc atm. no fees at there atms and $1 at all others.

Credit/Debit/ATM Cards and Foreign Exchange - FlyerGuide Wiki
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Old 01-14-2009, 06:48 PM   #10
 
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Wow, tons of great responses. Thanks!:D
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