Multi-account ATM Cards

LHD · Sep 9th, 2008, 08:30

Quote:

Originally Posted by Paresh

Two, $5 per transactions!!! Personally, I would try to get another type of card of use another bank for this. $5 in India converts to more than 200 bucks and can get me 40 cigarettes or 100 cups of tea!!!

Withdrawing $ from international ATMs (debit accounts) attracts a $5 charge irrespective of your banking institution in Australia.

We have no choice but to accept the transaction fee, unless we chose to use archaic travellers cheques or carry cash

Aishah · Sep 9th, 2008, 10:34

Like you, LHD, I have an Australian ATM card and have to 'suffer' that $5 withdrawal fee - however, I always withdraw the maximum amount at any one time. I find it is still cheaper for exchange rate taking fees into account, than exchanging money or TC at a money exchange place.

Darryl · Sep 14th, 2008, 06:27

...I'm showing ignorance here, but it suddenly occurred to me as I tried to get my head around what using atms in India would be like - wouldn't screen text,display etc all be in hindi?...

robbiej · Sep 14th, 2008, 07:41

We had no problems using our NAB card in Rajasthan last month. But we took a few travellers cheques with us just in case and I would advise having a back up in case you get stranded.
The one occasion we needed them was because the only ATM was out of service!!! It is always handy to have some cash or TQ to exchange in a crisis.

synthette · Sep 14th, 2008, 07:58

Quote:

Originally Posted by Darryl

...I'm showing ignorance here, but it suddenly occurred to me as I tried to get my head around what using atms in India would be like - wouldn't screen text,display etc all be in hindi?...

...I was just going to post the same question....

(the scariest thing I ever saw in the US was Drive-Thru ATM's....in Braille !!

)

GoanCanuck · Sep 14th, 2008, 08:34

Quote:

Originally Posted by Darryl

...I'm showing ignorance here, but it suddenly occurred to me as I tried to get my head around what using atms in India would be like - wouldn't screen text,display etc all be in hindi?...

All the ATMs have English as an option. You have to keep in mind that English is the offical language in India as far as banking is concerned.

Darryl · Sep 14th, 2008, 09:47

...thanks everyone...shows you how quickly things have changed since I last travelled os...think I'll carry keycard as backup to travellers cheques....

Aishah · Sep 14th, 2008, 10:39

Darryl - it's a perfectly legitimate question! We have only had ATM's here for about the last 3 -4 years, and what a difference they have made for me! No more long hours in the bank, just to get your money out. The ATM's are very similar to the ones in Oz -and you will have no trouble with finding your way around their menus. Make sure your card has Maestro, cirrus or Visa Mastercard type logo on it and can be used overseas.

maedchen · Oct 9th, 2008, 17:03

Quote:

Originally Posted by synthette

yes - that's right, LHD. I've accounts with TD trust (Toronto Dominion Bank) in Canada - my ATM card has the "Plus" logo (as well as Interac) - so I checked with TD, and there are many many banks in every city in India which allow debits from overseas accounts - however, in the case of TD bank - your ATM allows withdrawals from chequing or savings accounts - the TD Visa allows cash advances from Visa credit card (but don't forget the heinous credit card charges on cash advances.....). I know you can use debit cards pretty much worldwide - so long as the logo is appropriately linked.
I just googled 'Visa Plus' and got tons of info re bank ATM's in India - so daresay you can do the same for any bank these days.

I'm in India and tried to accesss my TD account with my bank card, at an appropriate ATM and it wouldn't work

. It said something about an invalid account! I don't suppose you have any idea? Did you have to do anything at your bank in NS before you came to India? I'm very frustrated right now and really not wanting to pay the exorbiant fees to have to cash advance from my credit card for the two months I'm here! Thanks for your help.

Aishah · Oct 9th, 2008, 18:18

You can ring your bank and ask them to check they have validated your card for overseas - this needs to be done before you travel, as often it is not done automatically. The other thing may be that the ATM is only used for a specific bank - not all ATM's are valid for other banks' cards. Check there are symbols displayed in the ATM for Visa, Cirrus, Mastercard, Maestro etc. You mention 'appropriate' so I guess that ATM did have all these symbols there.

hal2004 · Oct 9th, 2008, 20:54

Quote:

Originally Posted by maedchen

I'm in India and tried to accesss my TD account with my bank card, at an appropriate ATM and it wouldn't work

. It said something about an invalid account! I don't suppose you have any idea? Did you have to do anything at your bank in NS before you came to India? I'm very frustrated right now and really not wanting to pay the exorbiant fees to have to cash advance from my credit card for the two months I'm here! Thanks for your help.

Ah, good old TD. I've been there, done that, got the useless form letter from their customer service department telling me they work anywhere the PLUS symbol is displayed.

They do not work at every ATM with the PLUS symbol, only at HDFC and Citibank. But there are lots of HDFC ATMs around, plus Citibank in the major cities.

GoanCanuck · Oct 9th, 2008, 22:54

Quote:

Originally Posted by maedchen

I'm in India and tried to accesss my TD account with my bank card, at an appropriate ATM and it wouldn't work

.

Maedchen, your TD bank card will definitely work at all ATMs belonging to HDFC. If you can tell us which city in India you are currently staying in then I can give you a list of HFC ATMs in that particular city.

snowcrab · Oct 10th, 2008, 13:27

TD is a kind of pain in the neck because so few machines accept it. Might be something in the security, I always have to insert the card twice to refresh data, maybe only a few machines will work with it. CIBC cards work in a lot more machines. If you don't want to keep money in CIBC you can always just open up an account and do an email transfer for the amount you want to withdraw before you go to the ATM. (More fees of course)

Sep 9th, 2008, 10:34	#17
Aishah She-who-must-be-obeyed! Join Date: Mar 2007 Location: Jaisalmer Posts: 5,682	Like you, LHD, I have an Australian ATM card and have to 'suffer' that $5 withdrawal fee - however, I always withdraw the maximum amount at any one time. I find it is still cheaper for exchange rate taking fees into account, than exchanging money or TC at a money exchange place. __________________ "Life can only be understood backwards, but it must be lived forwards."

Oct 10th, 2008, 13:27	#28
snowcrab Maha Guru Member Join Date: Jan 2005 Location: Alberta, Can Posts: 1,054	TD is a kind of pain in the neck because so few machines accept it. Might be something in the security, I always have to insert the card twice to refresh data, maybe only a few machines will work with it. CIBC cards work in a lot more machines. If you don't want to keep money in CIBC you can always just open up an account and do an email transfer for the amount you want to withdraw before you go to the ATM. (More fees of course) __________________ http://indibliss.blogspot.com/

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Sep 14th, 2008, 06:27	#18
Darryl Member Join Date: Nov 2006 Location: Australia Posts: 64	...I'm showing ignorance here, but it suddenly occurred to me as I tried to get my head around what using atms in India would be like - wouldn't screen text,display etc all be in hindi?...

Sep 14th, 2008, 07:41	#19
robbiej Member Join Date: Jul 2008 Location: Australia Posts: 53	We had no problems using our NAB card in Rajasthan last month. But we took a few travellers cheques with us just in case and I would advise having a back up in case you get stranded. The one occasion we needed them was because the only ATM was out of service!!! It is always handy to have some cash or TQ to exchange in a crisis.

Sep 14th, 2008, 09:47	#22
Darryl Member Join Date: Nov 2006 Location: Australia Posts: 64	...thanks everyone...shows you how quickly things have changed since I last travelled os...think I'll carry keycard as backup to travellers cheques....

Sep 14th, 2008, 10:39	#23
Aishah She-who-must-be-obeyed! Join Date: Mar 2007 Location: Jaisalmer Posts: 5,682	Darryl - it's a perfectly legitimate question! We have only had ATM's here for about the last 3 -4 years, and what a difference they have made for me! No more long hours in the bank, just to get your money out. The ATM's are very similar to the ones in Oz -and you will have no trouble with finding your way around their menus. Make sure your card has Maestro, cirrus or Visa Mastercard type logo on it and can be used overseas.

Oct 9th, 2008, 18:18	#25
Aishah She-who-must-be-obeyed! Join Date: Mar 2007 Location: Jaisalmer Posts: 5,682	You can ring your bank and ask them to check they have validated your card for overseas - this needs to be done before you travel, as often it is not done automatically. The other thing may be that the ATM is only used for a specific bank - not all ATM's are valid for other banks' cards. Check there are symbols displayed in the ATM for Visa, Cirrus, Mastercard, Maestro etc. You mention 'appropriate' so I guess that ATM did have all these symbols there.

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