ATMs in Paris
Jul 24th, 2013, 09:22 AM
#21
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Meant to give you this link to read.
http://www.foxbusiness.com/personal-...nsaction-fees/
http://www.foxbusiness.com/personal-...nsaction-fees/
Jul 24th, 2013, 09:49 AM
#22
Absolutely any card with a Visa, MasterCard, Visa Electron or Maestro Card logo will work in any ATM in France. Visa & MasterCard are united in the French bank card system, so any card that they control is accepted.
Jul 24th, 2013, 07:19 PM
#24
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Yes, right, d_claude_bear. It's therefore often pretty easy to do back-to-back withdrawals if you watch the clock.
<<Second, you cannot use a Mastercard in an ATM that is not compatible with their system.>>
BS. As Kerouac rightly pointed out, any Mastercard is compatible with their system. Stop improvising!
<<Second, you cannot use a Mastercard in an ATM that is not compatible with their system.>>
BS. As Kerouac rightly pointed out, any Mastercard is compatible with their system. Stop improvising!
Jul 24th, 2013, 08:16 PM
#25
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<< <i>NO bank in France will limit how much you can withdraw</i>>>
wrong again, improv. As I posted, exactly this happened to me in the last month. This ATM clearly stated that withdrawals were limited to a certain amount. It was not a case of having reached my daily limit, as I took the max allowed from that ATM and shortly thereafter (and not at a time which would reflect a new calendar day back home) at another ATM successfully withdrew additional funds.
This is not the first time I have encountered this situation; it is not common, but it does occur.
wrong again, improv. As I posted, exactly this happened to me in the last month. This ATM clearly stated that withdrawals were limited to a certain amount. It was not a case of having reached my daily limit, as I took the max allowed from that ATM and shortly thereafter (and not at a time which would reflect a new calendar day back home) at another ATM successfully withdrew additional funds.
This is not the first time I have encountered this situation; it is not common, but it does occur.
Jul 24th, 2013, 08:28 PM
#26
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<i>This ATM clearly stated that withdrawals were limited to a certain amount. </i>
There may be limits on certain ATMs but not on BANK ATMs as those of us have carefully noted. Non bank ATMs, and there are a number of these, may have limitations of some type but I am firmly on the side of those who state that bank ATMs have no withdrawal limits.
Specifically Seamus, what bank did you find that imposed a withdrawal limitation that was clearly not one imposed by your local bank?
There may be limits on certain ATMs but not on BANK ATMs as those of us have carefully noted. Non bank ATMs, and there are a number of these, may have limitations of some type but I am firmly on the side of those who state that bank ATMs have no withdrawal limits.
Specifically Seamus, what bank did you find that imposed a withdrawal limitation that was clearly not one imposed by your local bank?
Jul 24th, 2013, 08:33 PM
#27
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I have encountered the same thing, Seamus, in rural France (Cordes-sur-Ciel, to be exact). Limit: 300 euros. My daily limit was 500. Went to another ATM and successfully got another 300. Same day - no time zone issues.
I've also encountered the Sunday morning no-ATM-availability issue, when apparently the US banks are re-engaging with the French ones and you can't get a darn thing out of any ATM machine anywhere. Usually resolves itself by after lunch.
I've also encountered the Sunday morning no-ATM-availability issue, when apparently the US banks are re-engaging with the French ones and you can't get a darn thing out of any ATM machine anywhere. Usually resolves itself by after lunch.
Jul 24th, 2013, 08:59 PM
#28
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Allen,
I would like to add just 1 thing to all the above. When we went over there we carefully placed enough money in our checking account to cover expected debit card usage. Never had a problem wherever we went at shops or ATMs. Imagine our shock when we got home and found that our bank took all the transactions from our SAVINGS account not our checking. Then they hit us with overdraft fees and moved money from our checking to our savings to cover and charged us for that too. I got that straightened out REAL fast. but just a word of caution. Check with your bank as to what their normal procedure is. This was a credit union. If using an ATM, be careful with your wallet. Pick pockets LOVE ATMs around major tourist sites and watch you like a hawk. Keep those wallets/purses in a safe place. Cards and serious in a neck looped pouch inside your clothes like those used for passports. Saved my butt a couple of times when my decoy wallet disappeared.
I would like to add just 1 thing to all the above. When we went over there we carefully placed enough money in our checking account to cover expected debit card usage. Never had a problem wherever we went at shops or ATMs. Imagine our shock when we got home and found that our bank took all the transactions from our SAVINGS account not our checking. Then they hit us with overdraft fees and moved money from our checking to our savings to cover and charged us for that too. I got that straightened out REAL fast. but just a word of caution. Check with your bank as to what their normal procedure is. This was a credit union. If using an ATM, be careful with your wallet. Pick pockets LOVE ATMs around major tourist sites and watch you like a hawk. Keep those wallets/purses in a safe place. Cards and serious in a neck looped pouch inside your clothes like those used for passports. Saved my butt a couple of times when my decoy wallet disappeared.
Jul 24th, 2013, 09:09 PM
#29
When there are limits on the amount you can withdraw, it is for your protection, not because the bank is being mean. If your card and PIN are stolen, the restrictions are a godsend.
I really cannot imagine using a decoy wallet just to tempt pickpockets.
I really cannot imagine using a decoy wallet just to tempt pickpockets.
Jul 25th, 2013, 08:58 AM
#32
My own (French) bank's website informs me of my restrictions for withdrawals:
460€ a day from a BNP Paribas ATM (although my bank is not BNP Paribas, it has close relations with it)
310€ per 7-day period from the ATMs of other banks
3050€ of Visa debits per 30-day period in France
3360€ of Visa débits per 30-day period in foreign countries
340€ per 7-day period from foreign ATMs
So it's all pretty complicated but clearly outlined by the bank. One thing for sure is that I would never be able to get enough money out of a foreign ATM like a lot of you need to do for those apartment rentals.
460€ a day from a BNP Paribas ATM (although my bank is not BNP Paribas, it has close relations with it)
310€ per 7-day period from the ATMs of other banks
3050€ of Visa debits per 30-day period in France
3360€ of Visa débits per 30-day period in foreign countries
340€ per 7-day period from foreign ATMs
So it's all pretty complicated but clearly outlined by the bank. One thing for sure is that I would never be able to get enough money out of a foreign ATM like a lot of you need to do for those apartment rentals.
Jul 25th, 2013, 10:49 AM
#33
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Reminder -
An ATM machine in France [all of Europe??] will take cash from whatever account is the PRIMARY account. I *believe" that with credit unions, the savings account is primary. The option which account to use for funds withdrawals is not given, which is why it defaults to primary account. You need to ask your bank which is your primary account. Lesson learned, burbil.
An ATM machine in France [all of Europe??] will take cash from whatever account is the PRIMARY account. I *believe" that with credit unions, the savings account is primary. The option which account to use for funds withdrawals is not given, which is why it defaults to primary account. You need to ask your bank which is your primary account. Lesson learned, burbil.
Jul 25th, 2013, 10:58 AM
#34
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When in Germany, we ask our bank(s) at home to allow up to $1500 per day withdrawal from ATMs. Thus, we can quite easily get 1000 euro without problems at the atm machines we've located and keep using, since we know it is not going to give us a problem. I guess I did not ask my bank to raise my daily limit for Paris... didn't really need more than 300 euros per withdrawal anyway, but when I asked for more than 300 (but less than my home bank limit) I was turned down. 300 max.
Switzerland also does not restrict, once we've asked our bank(s) at home to raise the daily amount.
Switzerland also does not restrict, once we've asked our bank(s) at home to raise the daily amount.
Jul 25th, 2013, 11:03 AM
#35
allen - are more than one of you travelling? just get €300 out each.
just one of you? carry two cards.
it's a good idea to do this anyway [and keep them in different places] so that if one is lost/stolen/won't work, you've got the other one.
just one of you? carry two cards.
it's a good idea to do this anyway [and keep them in different places] so that if one is lost/stolen/won't work, you've got the other one.
Jul 25th, 2013, 11:48 AM
#36
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I suspect every ATM and every bank is different. In May, in Venice, an ATM outside my nearby bank would not process my card, but the machine inside the bank did...go figure!
Makes me think Lasoy24 is probably right about ATMs that experience high fraud rates are set up to be pickier about what kinds of cards and from what other banks and countries they will accept transactions.
SS
Makes me think Lasoy24 is probably right about ATMs that experience high fraud rates are set up to be pickier about what kinds of cards and from what other banks and countries they will accept transactions.
SS
Jul 25th, 2013, 01:23 PM
#37
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I didn't intend to start a hail storm here, but there seems to be enough of you who ran into "limits" for whatever reason that I will likely take out the money on 2 separate days, which should avert any problems. Thanks again folks.
