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Can you "Debit" at stores in France (not just ATM's)?

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Jun 5th, 2007, 11:52 AM
  #61
 
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In the town I grew up, I've taken folks for a drive of the main street. I always say "now count the banks". In a 5 block stretch, there are over 10 banks - all different.
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Jun 5th, 2007, 11:57 AM
  #62
 
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I have used debit cards from two different banks, in multiple cities in Europe, and only had trouble in one specific location of one city [don't remember which]. My card [both banks] worked without using the pin number, despite being debit cards. Among the cities I've used debit cards: Paris, Amsterdam, Brussels, Rome, London, Edinburgh, Sydney and both islands of New Zealand. I think the one area I had difficulty [one store], was in New Zealand, in a relatively remote area.
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Jun 5th, 2007, 01:10 PM
  #63
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Makes me think of Steve Martin's "Fred's Bank" sketch
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Jun 5th, 2007, 01:25 PM
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toedtoes wrote: "In the town I grew up, I've taken folks for a drive of the main street. I always say "now count the banks". In a 5 block stretch, there are over 10 banks - all different."

In Ireland, we do that with pubs.
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Jun 5th, 2007, 01:39 PM
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We would have had a lot more fun growing up if we did like Ireland!
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Jun 5th, 2007, 01:57 PM
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I attended an investment meeting some years ago (at least 10) where they explained the difference in the small number of Canadian banks versus the large number of American.

In Canada you need 20 million dollars CASH to open a bank (10 to open the bank and another 10 in reserve). In the States, you only need something like $100,000 to open up a bank. Hence the few, big players in Canada and lots (little) players in the US. Not that they're aren't big ones in the US, but they don't need to be to play.
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Jun 30th, 2007, 07:06 PM
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Let me explain the confusion here.
Debit/Atm cards with the Maestro, and plus/interlink logo. It will work at merchants that take those cards using your pin. Sometimes a Maestro card will even work as a MasterCard and you can sign for it. So if a interac card has the Maestro or Plus(aka Visa plus) logo it will work as a pin purchase, same if a U.S. debit card has those logos as well. Interac card will now work at some merchants using a pin. Look for merchants that have the Nyce logo. U.S. debit Cards that have a MasterCard or Visa symbol can be used as a signature purchase, as well as a pin purchase. However, in Canada U.S. debit cards will normally work as a Credit Card only. For some reason interac system recognize this as a debit card. So, you must tell the merchant to run the card as a credit card. If the card happens to have the plus or the maestro logo on the card and the merchant takes those it should work as a pin purchase.

Maestro Card only work at a limited number of merchants in the U.S.

U.S. debit cards that have the Visa or Mastercard logo and you use it as a credit card (signature transaction). The transaction will be ran through the credit card network even through it will come out of your checking account.
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Jun 30th, 2007, 07:30 PM
  #68
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You cannot use your debit card ( Canadian) in Europe. Period,
When I used my Master card in Sweden, they asked for a PIN number - I told then we did not have PIN numbers for a Master card , it was O.K.
 
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Jul 1st, 2007, 06:12 PM
  #69
 
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"You cannot use your debit card ( Canadian) in Europe."

Well that depends on the type of card you have and the logos that are on your card.

I have used my U.S. debit card with a MasterCard symbol to order product from a Canada merchant. Other people have used a debit card in Canada and in Europe that have a Visa or MasterCard symbol on it.

You just don't understand how the debit card system works read me post above or read this blog.

http://creditcardanddebitcardinfo.blogspot.com/

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Jul 1st, 2007, 06:52 PM
  #70
 
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webworm - I suggest you read the whole post - I think you are incorrect regarding the use of Canadian debit cards (actually called Client Cards or Bank Cards in Canada) in stores in Europe.
I believe nbujic is correct.
They can be used in ATM's in Europe . but not stores.
That information is from two banks - RBC and TD - unless you have a source more reliable? You are aware that it is banks, not Visa or Mastercard, that issue debit cards (Client Cards) in Canada?
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Jul 1st, 2007, 06:58 PM
  #71
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thanks robjame
I have a debit card from the Bank of Montreal - it is not a Visa or Master card , it works at the ATM but you cannot use it in Europe to pay in stores, restaurants etc,
 
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Jul 1st, 2007, 07:29 PM
  #72
 
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robjame and nbujic.

Sorry. I had no Idea your bank resticts cards.

I was reading the RBC site.
So it is your bank that resticts the card to the atms.

I read Visa plus cards can be used at merchants that take those cards.

nbujic
You might consider upgrading to First Bank card. Maestro card may work at some merchants outside of Canada if the bank does not block it as a pin transaction. It may even allow you to make purchases in the U.S. using the nyce network.

http://tinyurl.com/2wx8hf

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Jul 1st, 2007, 07:39 PM
  #73
nbujic
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thanks, but I am o.k. ; I have a Master Card with a line of credit ( prime + 1%) so I just charge it!
 
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Jul 2nd, 2007, 02:24 PM
  #74
 
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CanuckV,

Just go back from France and Italy and I'm of the school that would put everything on the credit card. You get the benefit of a 30-day interest-free loan from the bank (assuming you pay-off in full) plus the Loonie's been rising against the Euro and you'll find that reflected in your CC statement when the piper needs to be paid.

Just my two bits FWIW
K
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Jul 2nd, 2007, 02:36 PM
  #75
 
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I just used a Bank of America Visa/debit card in Vienna, Prague and Berlin. A $5.00 charge if I used an ATM.

Lots of charges if I used the card in shops! I didn't take the time to figure the percentage. Figured it wouldn't do me any good to know.

The Capitol One Visa credit card...no extra charges. I know which I'll use next time I'm in Europe!
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Jul 2nd, 2007, 03:08 PM
  #76
 
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<<Loonie's been rising against the Euro>>

You are aware that the Loonie's strength is against the $US and not the Euro?
In fact the Loonie is at a 7 month low compared to the Euro and, in fact, the Euro was cheaper for us Canucks last July than it is right now.
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Jul 2nd, 2007, 03:14 PM
  #77
 
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Well, all I can say is that on the MC statement I just got back, the exchange rate shifted in my favour by 10 basis points over the course of 3 weeks. Either way, the underlying methodology's sound
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Jul 2nd, 2007, 03:30 PM
  #78
 
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Scratch that, should've said 100 basis points.
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Jul 2nd, 2007, 03:51 PM
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Interesting nick as the loonie has lost 140 basis points (1.4%) to the Euro since June 12.
Regardless, I do agree with your philosophy of using MC's free credit as well as getting charge card benefits and points and insurance and protection.
I do the same myself and it makes cents (sorry).
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