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ATM card - can it be used in Denmark and Norway?

ATM card - can it be used in Denmark and Norway?

Apr 20th, 2010, 09:18 AM
  #1  
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ATM card - can it be used in Denmark and Norway?

On CruiseCritic somebody posted about a problem using ATM-only US card. Debit card has Visa or MasterCard logo, my card has only Cirrus and Maestro on the back of it.

Will I be able to use my ATM-only (not a debit card) for cash, not for purchases? Anybody has ATM-only card that was used?
Dayenu is offline  
Apr 20th, 2010, 11:52 AM
  #2  
 
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We used our ATM-only card when we were in both countries in 2004 without any problem, but we've since changed banks, so I don't know what was on the back. I'd check with your bank.
tom18 is offline  
Apr 20th, 2010, 12:02 PM
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Sure, I'll check with them before the trip, but if somebody in another country is handling those 800 number calls, sorry, I don't trust them!

I already had a bad experience when a voice with a foreign accent tried to convince me there are no flights from my city when the website had them.
Dayenu is offline  
Apr 20th, 2010, 12:04 PM
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I've used my ATM card on several visits to Denmark without problem - in fact i have never ever had a problem getting my card to work in any European country. You will need a 4-digit PIN number and should notify your ATM-issuing bank to alert then to foreign ATM transactions coming in - or they may well block it as a security measure. Ditto with credit cards, about notifying your bank.

Currently my credit cards get a better effective rate of exchange because they charge a flat 3% fee - my ATM withdrawals also cost 3% but my bank puts a flat $5 fee on each ATM transaction (so get you max of about $250/day out rather than five ATM withdrawals of say $50)- these are typical i think but some ATM/charge cards have lower fees but most do not.

Be sure your ATM card has a fairly new magentic strip on it - i did have one card that would not work in some Paris ATMs but would in others - i think the magnetic strip was not intact enough.

Credit cards are widely accepted, even at McDonalds and supermarkets, etc.
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Apr 20th, 2010, 12:13 PM
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Thank you, Pal, I always call ATM and CC banks and tell them "please make a note on my account..." With CC it's easy, they are used to it. ATM sends them into a panic mode, they always put me on long hold, and sometimes another person picks up the phone

They also give me a phone # to dial in case of emergency, specific to the country I'm visiting.

I will have a CC with me, but try not to use it as the US cards get additional charge from the locals.
Dayenu is offline  
Apr 20th, 2010, 12:32 PM
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Yes hotels, etc can tack on charges but many places do not - like chain stores and any large commercial enterprise - train stations, etc - any large store but yes that is a good tip - to ask about fees in places like restaurants and hotels before using it.
Palenque is offline  
Apr 20th, 2010, 01:46 PM
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Oh, you are giving me hope I like to use credit cards to earn points, but with the 3% fee I see on some restaurants' websites it's not worth it!

I will be buying 24hr bus tickets, probably shops - and I know already to warn them I don't have a pin, it should be signature transaction.
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Apr 20th, 2010, 03:19 PM
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Some people here have mentioned a few places where ATM only cards would not work, that they had to use debit cards. I did not have a debit card until I read this but I got one and now bring it with me just to be sure. I have encountered ATM machines in Italy and Portugal that would not accept my ATM only card but did accept my debit card. I do not know about Denmark or Norway, but I now always bring a debit card just in case.
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