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atms
Moore-
I have a Chase debit card (MasterCard logo) and a Chase Visa. I never get them confused. If your telling me we more or less have the same system then you must have a different type / level of account than my normal checking account. I was told the only way to get around it would be to have a higher level account with Chase where they don't charge you this fee as a courtesy. Can you maybe pm me and tell me what you have? I plan on going to Chase in person tommorow. I've never noticed this before. I never take money out on my CC for those exact reasons you mentioned.
Diggler- I was surprised to see a Citibank in Buenos Aires period. I've never seen them before in any other country I've been too. Usually there are 2 or three banks which I always see but can't produce the names for you at this moment. Again what kind of an account do you have set up? Pm me if you can.
Have you traveled to other countries and gotten the same service / courtesy?
I guess I need to make the max withdrawl everytime. It's difficult since I always go to crazy countries (in a good way) Buenos Aires would have been someplace I could have brought more cash.
I'll see what my bank offers or I'll just add it to my expenses while I plan my trip.
Thanks
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I dont think my cards / accounts are special. Yes the CC (both have visa logos on them) has a pretty high limit but its not "platinum" or anything like that so far as I know. No annual fee and interest is 19.8% , which I never incur. My checking (called value) is as basic as it gets, I never have hardly any money in there unless something is in transit for a day. No monthly fee ($10) if I maintain >$500 balance. Everything, except ATM fees, is free with it. Unlimited checks, electronic payments, etc.
I don't know what else to say - I log on to both accounts at Chase.com.
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I still find that Paypal is the best overall debit card that I've found. $1 fee to withdraw, and 1% conversion fee (goes to Visa / MC) only. These will work in any ATMs around the world.
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paypal
Can you request paypal from any bank or does your bank have to use the Paypal system?
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[QUOTE=Artisttyp]Can you request paypal from any bank or does your bank have to use the paypal system?[/QUOTE]You need to have a Paypal account to do it. Pretty easy to do, though.
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I still swear by USAA Federal Savings Bank out of San Antonio. An "internet bank" with home office in San Antonio. Originally designed solely for members of the Armed Services and their families. In fact, most of their current services are not available to the general public. Their banking services are, however, as they must offer them to the public by law. They are very expat friendly as you might imagine, great customer service, and I pay 0 fees or % drawing on my debit card in BA. I am not a financial wiz, so I can't go into detail about all the benefits. They were recommended to me by an expat who was down here before I relocated. Check out their website:[url]https://www.usaa.com/inet/ent_logon/Logon[/url]
Dog
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Artisttyp-
There are Citibank locations throughout Latin America in Argentina, Bahamas, Brasil, Chile, Colombia, Dominican Republic, Mexico, Peru, Puerto Rico, Uruguay, and Venezuela. The Citibank ATM network is the same worldwide, all this according to the citi.com website.
All I have is a standard checking account with no minimum balance and a backup line of credit that has an interest rate so low it is almost non-existent. I do not have any fees or minimum balance because I was able to secure a year fee waiver by flashing my old student ID card when I opened the account last August.
Suerte,
Dirk Diggler
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ass raped again
Ok I just came back from Chase and had a disscusion about the 3.5% fee on top of the normal $3 fee. The fee is waived only if you have an account with $75,000. So everybody who has a chase account with less pays.
I was told on the phone its always been there but just hidden in the statement. Today she told me it just started a year ago. I will check out Citibank and see what they say.
Yet another reason to hate this fucked up country. On top of it the ***** gave me attitude. I hope this country burns or has civil unrest. Sooner or later that will be the only way to get anything done.
Bottom line walk with cash and chance getting robbed or invest in travelers checks and risk wasting half your fucking time waiting in long bank lines.
The American Express office in BA was full of pissed off tourists also. There was one guy going through hell with the new American Express travelers check card. He said nobody in South America would accept it so he was trying to liquidate it into cash. Try getting that done in a foreign country!
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Open an account with E-Trade. Free ATM card, free unlimited ATM withdrawals, and only a 1% foreign currency conversion fee. Free [b]free FREE[/b]. And free is good.
Oh yeah, no IRA fees either.
Fuck Chase bank, and the horse they rode in on.
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Well the thing to remember when in foreign countries, is to have some different forms of payment on you. I take one debit card, a couple of credit cards, plus some cash. If one fails, then you have some good backup. I haven't used traveller's checks in over 10 years.
In most cases it's the US bank that levies the fees. For those who don't want an eTrade account, Washington Mutual may give you a deal. I went in asking about opening a new business and personal account last year, and asked them about ATM fees. They offered to waive the foreign ATM charge, so they're heading in the right direction.
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citibank
I went to Citibank today. The run down is this. You can open up a basic checking account with any amount you choose. There is a $7.50 monthly fee if you don't keep an average of $1,500 in your account but you can have that $7.50 fee waived if you pay at least two bills (not direct debit / instead of paper check) online.
The fee for a non citibank transaction whether in America or out of the country is $1.50. Citibank group also owns banamex for $1.50 I couldn't care less.
The only concerns I would have would be the service and ID theft protection which I must say has been more than adecuado with Chase. Can anyone verify Citibank is there when you need them?
I'm thinking of just setting up a Citibank account for travel reasons and continue with Chase for the basics. Also Citibank has a deal with American Airlines which I tend to fly way too often. We shall see.
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IMHO, Citi is the best bank for the expats and travellers, you can access your account anywhwere in the world where they have branches and believe me they do have Citis in many foreign countries. You can get cash without paying any fees, you can even withdraw US$, if you may need emergency cash due to some unexpected reasons, just have your friends, family to deposit / transfer funds to your Citi account hence you have funds available in less than 5 minutes, if you need to contact them then you call a local (wherever you are) toll free number and an English speaking operator (most probably in the US) will help you out (never needed though) If your card is lost or stolen you receive a new one right away as long as Citi operates in that country (you have to visit a Citi branch wherever you are) ATM exchange rate is great. I am quite satisfied.
Hope this helps
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If you just want an account for traveling cash, it's a bit cheaper to open a savings account rather than a checking account. It's free with a $500 minimum and $5/ month if you drop below the minimum. The only drawback I've found is that you can't transfer money into it electronically after the initial deposit.
I have both Citibank and USAA for travel accounts. That way I'm not using anything linked to my primary accounts when I'm traveling.
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Has anyone ever lost money in an ATM machine?
Tonight I just left $250 US Dollars in the ATM at BNP Paribas at the corrner of Las Harris & Peyrrdon.
What the Hell do you Do? Answers please!
Exon
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If the machine "ate" your cash like an ATM card then go to that bank branch tomorrow morning with your receipt. You can retrieve a card that way. People have told me that some of the machines will take your cash back if you don't take it soon enough. I assume that's what happened to you(?)
A US Dollar transaction should be very easy to find.