debit card in bangalore

siri_uk · Feb 21st, 2008, 14:46

Hi i'm trying to use my debit card from lloydstsb in bangalore but am having probs. The machine keeps saying invalid transaction but it never occurred to me until today, do I put the english pound amount in the atm, I have been putting 2000 thinking i needed to put the rupee amount. Which amount is right to put

TIA

machadinha · Feb 21st, 2008, 14:50

Nope, you'd normally put it in local currency, unless perhaps it has some extra menu for foreigners and would specify a different currency (unlikely, never seen this, although you may or may not get a language menu to suit you). Maybe walk into the bank and ask them about it? Or call your own?

Did you tell them you were leaving for abroad? There are reports of banks automatically blocking your card in case of any irregular traffic. Which sudden substantial withdrawals in far-away places would certainly fall under. If so, you'd need to inform them to unblock it.

Other than that, your card needs to carry the right logo (and therefore chip) to match one of the logos on the machine to be accepted, but you'd better have thought of this before leaving...

batistuta · Feb 21st, 2008, 15:05

Mastercard and Visa electron are some of the common logos present in Debit cards here.

what is the logo that is present on your card Siri uk ?

siri_uk · Feb 22nd, 2008, 15:28

thx for the replies, the card has a visa logo on it

snowcrab · Feb 22nd, 2008, 16:09

Hi Siri uk

Just keep trying different banks. I had a real problem with one card because even at banks that used the chip on it I couldn't get money because my bank at home took so long the transaction kept timing out. citibank was the only bank I could find that would work for that card. My other card was good in a lot of different machines. So just keep trying different machines until you find one that works. Worst case scenario, I had to email money to a friend back home and get him to send me cash by Western Union when I was in a place that did not have a bank I could use for an extended period.

vargoje3 · Feb 22nd, 2008, 16:28

Whenever I used my ATM in India i always just used rupee amounts and never american dollars. You could be having a problem in that your bank is blocking the transaction due to security reasons. It might look a little odd to them if one week your using it in Europe and the next time it's used is in India. I made sure to tell my bank i would be in India for approx 5 months before I left and never had a problem and then informed them i was back in the US if any problems arose after i left.

shelley13 · Feb 27th, 2008, 19:50

Although my Canadian debit card worked in India, I had to try many different bank machines before finding one that did work.

I met other Canadians with the same problem as well. Not sure if this also applies to UK citizens. I found the banks with the PLUS sign was what worked for me. The cirrus sign was not enough. My debit card is not a Visa. And I am sure if I was taking advances out wiht my Visa card other banks would have worked.

So when in Bangalore/Pondicherry and Mumbai I used Citibanks or HSBC banks and never had a problem. I found the international or national banks worked as opposed to the state banks. When I used a State bank (State bank of Mysore for example) it gave the reply that my transaction was invalid.

Talk about stressful.

Oh, and yes you always take money out in local currency.

crvlvr · Feb 27th, 2008, 23:39

when you use the debit card as an ATM card, it does not uuse the VISA network (that is for purchase only) there should be other symbols on the back of your card. Check to see if atleast one of these (on the back of your card) matches with those on the ATM. If they don;t you may have to look for another ATM.

http://www.housatonictfcu.com/assets..._CARD_BACK.gif

The_Londoner · Feb 27th, 2008, 23:54

Hey Siri,

It may be as one said due to ATM you're trying to use the card at. Make sure the ATM does accept VISA.. It can also be due to your bank not authorising the transaction due to all cloning problems we have had in the UK. Best thing to do is to speak to your bank and make sure you are able to use your Visa Debit outside of UK. Although it is Visa, it is Visa Debit and there may be restriction set on using your Visa Debit by your Bank.

With regards to amount, you ALWAYS put local currency, not UK Sterling.

Feb 21st, 2008, 14:46	#1
siri_uk Member Join Date: Dec 2007 Location: UK/Bangalore Posts: 51	debit card in bangalore Hi i'm trying to use my debit card from lloydstsb in bangalore but am having probs. The machine keeps saying invalid transaction but it never occurred to me until today, do I put the english pound amount in the atm, I have been putting 2000 thinking i needed to put the rupee amount. Which amount is right to put TIA

Feb 21st, 2008, 14:50	#2
machadinha Not Your Guru Member Join Date: Jan 2005 Location: yörp Posts: 10,505	Nope, you'd normally put it in local currency, unless perhaps it has some extra menu for foreigners and would specify a different currency (unlikely, never seen this, although you may or may not get a language menu to suit you). Maybe walk into the bank and ask them about it? Or call your own? Did you tell them you were leaving for abroad? There are reports of banks automatically blocking your card in case of any irregular traffic. Which sudden substantial withdrawals in far-away places would certainly fall under. If so, you'd need to inform them to unblock it. Other than that, your card needs to carry the right logo (and therefore chip) to match one of the logos on the machine to be accepted, but you'd better have thought of this before leaving... __________________ Reading tips, all picked up at IndiaMike : INDAX's A Comprehensive Guide To India / Dinoj Surendran's Desi Humor / ITHVC on Culture Shock & Travel Health / JetLag Travel Guides For the Undiscerning Traveller / India Travel Links Last edited by machadinha : Feb 21st, 2008 at 18:01.

Feb 22nd, 2008, 16:09	#5
snowcrab Maha Guru Member Join Date: Jan 2005 Location: Alberta, Can Posts: 1,044	Hi Siri uk Just keep trying different banks. I had a real problem with one card because even at banks that used the chip on it I couldn't get money because my bank at home took so long the transaction kept timing out. citibank was the only bank I could find that would work for that card. My other card was good in a lot of different machines. So just keep trying different machines until you find one that works. Worst case scenario, I had to email money to a friend back home and get him to send me cash by Western Union when I was in a place that did not have a bank I could use for an extended period. __________________ http://indibliss.blogspot.com/

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Feb 21st, 2008, 15:05	#3
batistuta Maha Guru Member Join Date: Jan 2006 Location: Bangalore Posts: 1,729	Mastercard and Visa electron are some of the common logos present in Debit cards here. what is the logo that is present on your card Siri uk ?

Feb 22nd, 2008, 15:28	#4
siri_uk Member Join Date: Dec 2007 Location: UK/Bangalore Posts: 51	thx for the replies, the card has a visa logo on it

Feb 22nd, 2008, 16:28	#6
vargoje3 Fishing Master Join Date: Dec 2005 Location: Bakersfield, CA Posts: 177	Whenever I used my ATM in India i always just used rupee amounts and never american dollars. You could be having a problem in that your bank is blocking the transaction due to security reasons. It might look a little odd to them if one week your using it in Europe and the next time it's used is in India. I made sure to tell my bank i would be in India for approx 5 months before I left and never had a problem and then informed them i was back in the US if any problems arose after i left.

Feb 27th, 2008, 19:50	#7
shelley13 Senior Member Join Date: Feb 2008 Location: Hyderabad Posts: 112	Although my Canadian debit card worked in India, I had to try many different bank machines before finding one that did work. I met other Canadians with the same problem as well. Not sure if this also applies to UK citizens. I found the banks with the PLUS sign was what worked for me. The cirrus sign was not enough. My debit card is not a Visa. And I am sure if I was taking advances out wiht my Visa card other banks would have worked. So when in Bangalore/Pondicherry and Mumbai I used Citibanks or HSBC banks and never had a problem. I found the international or national banks worked as opposed to the state banks. When I used a State bank (State bank of Mysore for example) it gave the reply that my transaction was invalid. Talk about stressful. Oh, and yes you always take money out in local currency.

Feb 27th, 2008, 23:39	#8
crvlvr Guru Join Date: Sep 2004 Location: Hollywood Posts: 4,473	when you use the debit card as an ATM card, it does not uuse the VISA network (that is for purchase only) there should be other symbols on the back of your card. Check to see if atleast one of these (on the back of your card) matches with those on the ATM. If they don;t you may have to look for another ATM. http://www.housatonictfcu.com/assets..._CARD_BACK.gif

Feb 27th, 2008, 23:54	#9
The_Londoner Senior Member Join Date: Dec 2007 Location: London, UK Posts: 289	Hey Siri, It may be as one said due to ATM you're trying to use the card at. Make sure the ATM does accept VISA.. It can also be due to your bank not authorising the transaction due to all cloning problems we have had in the UK. Best thing to do is to speak to your bank and make sure you are able to use your Visa Debit outside of UK. Although it is Visa, it is Visa Debit and there may be restriction set on using your Visa Debit by your Bank. With regards to amount, you ALWAYS put local currency, not UK Sterling.

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