The Old ATM Question Ally Bank Debit Cards in Europe today
#1
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The Old ATM Question Ally Bank Debit Cards in Europe today
Hello,
My friend and I will be traveling in Spain (Madrid and Galicia) and England (London and surrounding areas) next month.
My question is whether the Ally debit card is accepted by most ATMs in London and Madrid. The Ally debit card is MasterCard, but it does not have a Cirrus logo.
I know that Ally no longer reimburses ATM fees abroad. That's not the question.
My concern is whether the card works on all (or only some) ATMs in Europe. I would particularly like to hear from people who have traveled with the Ally card in the past two years or so, but all advice is welcome.
It would be a major hassle to get to Europe and find that my card didn't work. (It happened once before with a major US bank card. It wasn't fun.)
Thanks,
My friend and I will be traveling in Spain (Madrid and Galicia) and England (London and surrounding areas) next month.
My question is whether the Ally debit card is accepted by most ATMs in London and Madrid. The Ally debit card is MasterCard, but it does not have a Cirrus logo.
I know that Ally no longer reimburses ATM fees abroad. That's not the question.
My concern is whether the card works on all (or only some) ATMs in Europe. I would particularly like to hear from people who have traveled with the Ally card in the past two years or so, but all advice is welcome.
It would be a major hassle to get to Europe and find that my card didn't work. (It happened once before with a major US bank card. It wasn't fun.)
Thanks,
#2
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Interesting question...my debit card, issued by a US bank, is also MasterCard and doesn't have a Cirrus logo either. I live in the UK, use the card regularly for ATM withdrawals, and it has been accepted by every ATM I have tried it in, both in the UK and in other European countries. That doesn't mean yours will work, but mine certainly does.
#3
I would be more concerned about having money in Ally bank. I'd never heard of it and looked at wiki. Doesn't sound good.
http://en.wikipedia.org/wiki/Ally_Bank
http://en.wikipedia.org/wiki/Ally_Bank
#4
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Just looked it up...apparently Cirrus is operated by MasterCard, so all MasterCards by default should also be Cirrus.
http://www.mastercardbrandcenter.com/us/moreabout/
http://www.mastercardbrandcenter.com/us/moreabout/
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>
"Should" doesn't get the OP the certainty he needs.
To the OP: First, call your bank and find out. If not, immediately switch to a bank that you can actually use. Cap One offers online banking and others do too. So do credit unions, which are far less expensive on foreign exchange transactions than the average bank.
Second, check the back for a Plus logo - that's the other major cash exchange but I think it's run by Visa.
This is evidently a common issue - I checked my various cards and just over 25% of them have a Cirrus or Plus logo on them but I'm thinking each would work in an ATM . . .
"Should" doesn't get the OP the certainty he needs.
To the OP: First, call your bank and find out. If not, immediately switch to a bank that you can actually use. Cap One offers online banking and others do too. So do credit unions, which are far less expensive on foreign exchange transactions than the average bank.
Second, check the back for a Plus logo - that's the other major cash exchange but I think it's run by Visa.
This is evidently a common issue - I checked my various cards and just over 25% of them have a Cirrus or Plus logo on them but I'm thinking each would work in an ATM . . .
#6
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My VISA debit cards no longer carry the Plus or Cirrus logos and we've never had a problem using any major bank ATM in Europe. Just be sure your bank knows you will be using the card while traveling in Europe, otherwise it will be blocked.
#7
>>Just be sure your bank knows you will be using the card while traveling in Europe, otherwise it will be blocked.Scotland" I kid you not !!
I received a VERY apologetic phone call from my branch manager the next morning.
Be sure you know the access phone number from overseas (the US 800 number won't work and there is often a collect call number they will provide you)
I received a VERY apologetic phone call from my branch manager the next morning.
Be sure you know the access phone number from overseas (the US 800 number won't work and there is often a collect call number they will provide you)
#8
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Thanks all. The bank told me the card would work in Europe. But so did my big national full service bank eight years ago and there I was in Heathrow without a debit card the ATM would accept. It was a Visa and apparently the ATM in question only liked MasterCard.
The Ally card would be my second debit card. The other card is a Visa. There would be no point in taking the Ally card if not having the Cirrus sign limited international use, so I am glad to hear others have MasterCards without Cirrus on the card.
The Ally card would be my second debit card. The other card is a Visa. There would be no point in taking the Ally card if not having the Cirrus sign limited international use, so I am glad to hear others have MasterCards without Cirrus on the card.
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"Should" doesn't get the OP the certainty he needs.
How could I give the OP that certainty? It goes without saying the OP should check with his/her bank rather than just take the word of someone replying on a travel forum. Judging from some of the other replies on this thread even that sometimes doesn't work. ;-)
How could I give the OP that certainty? It goes without saying the OP should check with his/her bank rather than just take the word of someone replying on a travel forum. Judging from some of the other replies on this thread even that sometimes doesn't work. ;-)
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Why did he need a PIN? When my US card is swiped I merely sign the receipt. The only time I need a PIN is in an ATM machine. Occasionally I run into a sales clerk that doesn't know the procedure, though.
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I wouldn't use my year of birth--too obvious if someone stole my wallet which has drivers license (with dob) as well as cards. I use the last four digits of my childhood best friend's telephone number. I don't remember my own number from that time period, but my friend's number stuck in memory.
Regarding why the ATM at Heathrow didn't work that time, all I cared about was that it didn't work and that I ended having to get the money through a Mastercard credit card. Later in the trip my Visa debit card worked fine. Probably Janisj is right and it was just a fluke, but because of the timing a very inconvenient fluke.
You are all correct about the importance of checking with one's bank. I'm asking for personal experience in addition to asking the banks though--just in case.
(Thanks, Cosmia for telling me your Ally card worked.)
F
Regarding why the ATM at Heathrow didn't work that time, all I cared about was that it didn't work and that I ended having to get the money through a Mastercard credit card. Later in the trip my Visa debit card worked fine. Probably Janisj is right and it was just a fluke, but because of the timing a very inconvenient fluke.
You are all correct about the importance of checking with one's bank. I'm asking for personal experience in addition to asking the banks though--just in case.
(Thanks, Cosmia for telling me your Ally card worked.)
F
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Hey FerrisFar - Have you gone to Spain yet? I also have an Ally card and am curious if it will work (I'm only going to Spain, so it doesn't help that it worked in other countries).
Also, what fees were you charged? I have BofA and Ally. BofA charges a flat fee ($5 I think) + 3% of the total (its currently 1%, but will increase in November 2013 which is before my trip). According to Ally's customer service, they only charge a 1% fee, and no flat rate fee, but warn that foreign ATMs may charge their own fees. I would think if foreign ATMs are going to charge a fee, that will apply to any card used - BofA or Ally, on top of whatever my bank is charging, right?
Also, what fees were you charged? I have BofA and Ally. BofA charges a flat fee ($5 I think) + 3% of the total (its currently 1%, but will increase in November 2013 which is before my trip). According to Ally's customer service, they only charge a 1% fee, and no flat rate fee, but warn that foreign ATMs may charge their own fees. I would think if foreign ATMs are going to charge a fee, that will apply to any card used - BofA or Ally, on top of whatever my bank is charging, right?