ATM Charges in Thailand

Jun 30th, 2009, 06:11 AM
  #21  
 
Join Date: Feb 2003
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Thanks Kathie,

I just called etrade. I happen to have a dormant account there. The person I spoke to put me on hold for sometime to figure out my question. She came back and said that ' the atm activity in S.E. Asia is restricted'. i said what does that mean. She said you cannot use your etrade atm card there.

She said i could use it as a debit card for point of sales. I said i have my amex, master and visa for that.

I am thoroughly confused now. So were you able to draw money out of the atm machine in S.E. Asia?
mohan is offline  
Jun 30th, 2009, 07:58 AM
  #22  
 
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I've used my ATM card in SE Asis several times. Each time I have called (as I do with all ATM cards and credit cards) to let them know wher I would be. Personally, I don't use debit cards anywhere - especially outside the country - as you don't have the protections you do with credit cards. Someone could empty your account, and the bank can take their own sweet time replacing your money.

I'm going to call them today and see if they have a new policy. (I always do this several months in advance of a trip anyway, as policies, charges, etc are always changing.) I'll post back.
Kathie is offline  
Jun 30th, 2009, 08:12 AM
  #23  
 
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Thanks Kathie.

She also said the surcharge in general is 1 % of the withdraw.

I'll be calling some banks myself later this week. I'll post when I find something good.
mohan is offline  
Jun 30th, 2009, 08:16 AM
  #24  
 
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Mohan, I just got off the phone with E*Trade. The guy I spoke with was surprised that you had received that answer. He quoted from the terms of the card, which say the card can be used at any ATM world wide that has the Visa/Plus logo. I have had no difficulty using my card in Thailand or Nepal or Sri Lanka.

I notice that the website says under the ATM info that they will refund ATM fees for ATMs within the US but I've had them do it internationally.

It does not inspire confidence that we received two different answers to this question!
Kathie is offline  
Jun 30th, 2009, 10:34 AM
  #25  
 
Join Date: Jun 2003
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What is the maximum amount you can withdraw from an ATM at a time? I'm paying cash for airport transfers (using ACC limo - thanks, Kathie) and also a private tour with Tong. I'd like to minimize the 150 baht charge fee. I called my US bank and they said that it depends on the foreign ATM bank. My bank's daily limit is high enough to not be an issue. I'll be wearing a silk money belt (one you put under clothing), so I'm comfortable with decent amounts of cash on me. Also, I can leave cash in our hotel's in-room safe.
Nena is offline  
Jun 30th, 2009, 10:45 AM
  #26  
 
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That depends on the ATM. My last trip, I withdrew 10,000 baht from the aiport ATM (about US$300). I'm not sure that was the upper limit, it was just how much I expected to spend. Hanuman or MichaelBKK may know about limits.
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Jun 30th, 2009, 01:55 PM
  #27  
 
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So Kathie, I just got off the phone with Etrade. The rep said she suspect your card is a credit card. She said my card is a debit card even it has the visa logo on it. Again it cannot be used in S.E.Asia as an atm card.

SO is your card a credit card?

If you want to clarify with her directly, her name is Bathel at ext. 2047324.

Thanks.
mohan is offline  
Jun 30th, 2009, 02:00 PM
  #28  
 
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No, my card is a debit card, attached to my ETrade checking account.

I will call her when I have a moment during her business hours, probably tomorrow morning.
Kathie is offline  
Jun 30th, 2009, 02:15 PM
  #29  
 
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The maximum withdraw per transaction at the Bangkok Bank ATM is 25,000 Baht. The Siam Commercial Bank, Krungsri Bank and K-Bank is 20,000 Baht. The limit per day depend on your arrangement with the banks.
Hanuman is offline  
Jun 30th, 2009, 02:23 PM
  #30  
 
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Hanuman - Thank you for the helpful information. I should be all set.
Nena is offline  
Jun 30th, 2009, 03:34 PM
  #31  
 
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Kathie,

That rep will be at that ext until 1:30 am eastern time. The phone is 1-800-387-2331.

My account is a saving/checking account that ties to my brokerage account.

Thanks.
mohan is offline  
Jun 30th, 2009, 04:19 PM
  #32  
 
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i always take multiple cards from various accounts to assure that i am not left high and dry....
rhkkmk is offline  
Jun 30th, 2009, 06:18 PM
  #33  
 
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mohan, I tried to call the rep you spoke with, but have been unsuccessful. When reps put me through to her extension, I get a general voicemail message, and it doesn't recognize her extension. In the meantime, I have spoken with three different reps, all of whom confirm that the card is useable world-wide. One rep suggested that perhaps she misunderstood your question and thought that you were a resident of SE Asia.

I have multiple ETrade accounts, this debit card is tied to the ETrade Bank checking account.
Kathie is offline  
Jun 30th, 2009, 07:28 PM
  #34  
 
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There are 2 possible limits on withdrawals - yours and the machines. If you have a Thai a/c you can reset your limit at the AYM. whether you can do this with a foreign bank i don't know.
khunwilko is offline  
Jul 1st, 2009, 04:29 AM
  #35  
 
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Thanks Kathie.

I guess we probably have different type of cards. i am going to stop by and speak to customer service in person in the near future and possibly read the small print myself.

I learn from the lounge that credit unions don't charge any processing fee. I happen to have one so I'll check into that too.

I'll report back.
mohan is offline  
Jul 1st, 2009, 05:18 AM
  #36  
 
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It's true that some credit unions don't charge. But Guenmai did run into a problem where her credit union actually didn't allow the debit card to be used in Thailand. She's informed the teller she would be in Bangkok and the teller so noted on her record, but the teller later admitted that she didn't know Bangkok was in Thailand!

Once you get this figured out with ETrade, do let me know, please.
Kathie is offline  
Jul 1st, 2009, 07:59 AM
  #37  
 
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first, a teller is not the person to speak to....talk to their telephone service directly...

many credit unions do not charge for such usage....

but i have had trouble in some countries with my CU cards...
rhkkmk is offline  
Jul 19th, 2009, 05:15 PM
  #38  
 
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Kathie:

I haven't had a chance to stop by Etrade but I had to call them for something else so I threw in the question again. This time the rep said no problem and I could withdraw up to $1000 dollars a day. So I said i had called twice before and i was told no twice. She promptly put me on hold, when she came back she said ATM activity is indeed restricted in S.E. Asia but there are exceptions. So i asked what are the exceptions. She told me to call Visa at 1-866-226-4565.

I don't need to call as I have made up my mind that I will be carrying several cards and etrade won't be one of them. The credit union I belong to has a branch in BKK so I feel pretty good about that. Fidelity also does not charge processing fee but i have not read the small print yet.

I also called citibank to see if they could waive the processing fee, the rep in India apologised and politely said no. I probably carry the citicard just in case.
mohan is offline  
Jul 19th, 2009, 09:16 PM
  #39  
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There have been a number of new players entering the UK travel money market of late offering cards thta can be pre-loaded with Euros or USD and then used just like a normal card. The fx rates and cahrges seem very competitive. Not sure whether there is anything similar available in the US

http://www.fairfx.com/
crellston is offline  
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