Are ATM transactions in your country charged?
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
My CU doesn't charge me for transactions at ATMs they own, nor at other ATMs. But 3rd-party ATMs generally have charges of their own - usually $1-$2. If i was willing to carry a larger balance on my checking account, my CU would actually reimburse me for that as well... but i rarely use ATMs... or cash... so i don't bother.
But who is the king of all of these folks?
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
Apparently here in Ireland, some not-on-us transactions can be charged, and many ATMs will warn you that you may be charged (an unspecified amount! Is that legal...?), but I don't think it's ever happened to me. In general, the only charges we pay for using ATMs are a government tax of €5 a year for each account with an associated ATM card (I think). I can't believe people actually use ATMs charging €2 or more per transaction in some countries - I heard of some machines charging up to $10 in the states at petrol stations and the like. What a rip! I usually only withdraw about €20 at a time since I'm pretty cheap. If I had to pay 10% in charges I'd be pissed off :P
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
For my bank, ATM withdrawals are free for the first 6m, 12, or 20, depending on which option you opt to pay for all service charges, R55, R95 to R145 respectively. That covers everything, not just ATM transactions, and only ATM withdrawals count toward the quota. After that, you pay R9, R8, R7, respectively, per withdrawal.
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In South Africa it has been a very large debate for quite a while now. The people are very upset with the amount of bank charges we pay, including ATM fees. It is still cheaper than going into the bank and talking to a teller.
I've been in ABSA in SA where the teller has told the person to rather go outside and draw from the ATM, like a little old lady drawing R50 out of her R70 balance account, the teller reckons the charge would be too high inside the bank. I suppose it really depends on the account type and the bank.
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I've been in ABSA in SA where the teller has told the person to rather go outside and draw from the ATM, like a little old lady drawing R50 out of her R70 balance account, the teller reckons the charge would be too high inside the bank. I suppose it really depends on the account type and the bank.
If memory serves me right the charge is about R20, but then again I haven't been to ABSA since they lost all my savings.
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If memory serves me right the charge is about R20, but then again I haven't been to ABSA since they lost all my savings.
Ouch! How the hell did that happen? I never had any problems whatsoever. I only switched to FNB when I started working there, and even then my only problems were with the IT dept. Every minor issue I've had with ABSA or FNB they have bent over backwards to help and sorted it out most promptly.
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
There is a quarterly average balance of say INR. X, which differs from bank to bank that if you maintain, you can use any bank's ATM free of cost. ABN Amro has a INR 10,000 as this limit and I've been using just about any ATM for cash withdrawl without being charged.
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Ouch! How the hell did that happen? I never had any problems whatsoever. I only switched to FNB when I started working there, and even then my only problems were with the IT dept. Every minor issue I've had with ABSA or FNB they have bent over backwards to help and sorted it out most promptly.
I wanted to move to a new house and so I transferred my money from my ABSA fixed deposit account into my Standard Bank cheque account, the only problem was that Standard Bank never received the money. ABSA told me that it must have been a mistake on my side and they couldn't help me. I got a bit upset an told them how computers work. The lady reminded me that "Computers didn't work over weekends":confused: at which point I left as fast as I could. After hearing my story Standard Bank sent someone to the ABSA branch and sorted all my problems out. Needless to say, I don't bank with ABSA any longer.
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I wanted to move to a new house and so I transferred my money from my ABSA fixed deposit account into my Standard Bank cheque account, the only problem was that Standard Bank never received the money. ABSA told me that it must have been a mistake on my side and they couldn't help me. I got a bit upset an told them how computers work. The lady reminded me that "Computers didn't work over weekends":confused: at which point I left as fast as I could. After hearing my story Standard Bank sent someone to the ABSA branch and sorted all my problems out. Needless to say, I don't bank with ABSA any longer.
I really think that is more of a problem with the lady than with ABSA. I've had one or two issues with FNB staff, like opening a transmission account online, then going to the Carlton Centre branch and being told to wait in the New Accounts queue just to fetch my card. The new accounts queue is full of rural old Black ladies that trekked to the city to open a savings account, and are being talked through filling out a paper based new account application. Luckily FNB have a very astute person or persons monitoring \[^], and within an hour or two of your complaint being published, they phone back. Still in that same day, the branch manager from Carlton phoned and profusely apologised for me being asked to queue that morning. I went upstairs and got my card in less than five minutes.
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Apparently here in Ireland, some not-on-us transactions can be charged, and many ATMs will warn you that you may be charged (an unspecified amount! Is that legal...?), but I don't think it's ever happened to me. In general, the only charges we pay for using ATMs are a government tax of €5 a year for each account with an associated ATM card (I think). I can't believe people actually use ATMs charging €2 or more per transaction in some countries - I heard of some machines charging up to $10 in the states at petrol stations and the like. What a rip! I usually only withdraw about €20 at a time since I'm pretty cheap. If I had to pay 10% in charges I'd be pissed off :P
I only pay per transaction, not a ratio, so I hardly ever draw under R500.
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I wanted to move to a new house and so I transferred my money from my ABSA fixed deposit account into my Standard Bank cheque account, the only problem was that Standard Bank never received the money. ABSA told me that it must have been a mistake on my side and they couldn't help me. I got a bit upset an told them how computers work. The lady reminded me that "Computers didn't work over weekends":confused: at which point I left as fast as I could. After hearing my story Standard Bank sent someone to the ABSA branch and sorted all my problems out. Needless to say, I don't bank with ABSA any longer.
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If you get a card from bank A, and just when you get money from ATM of bank A and in a small area, it's free. China.
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???????,????????Same in my bank here in the Philippines. Withdrawing cash from ATM Machines of the bank where you hold your account is free (I think, but I am not sure, there is a limit for number of free withdrawals per month). Withdrawing from ATM Machines of other banks using the same network as your bank charges between Php10 - Php15.00. For example, Bank A (your bank) is using Expressnet, you can withdraw from other ATM Machines connected to Expressnet for a fee(Php10 - Php15.00). But if try to withdraw from an ATM Machine that is not connected through the Expressnet, say for example, the ATM Machine is connected to Megalink, you will be charged using Cirrus network which is in US$. Typically you will be charged at around Php250 - Php280 per transaction depending on the peso-dollar rate. I am not sure the exact dollar amount of charge per Cirrus transaction.
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
The UK is quite mixed: major banks don't tend to charge but private ATMs do: anything, I believe, from £1 to £3.
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
In Poland you are free to withdraw from your bank's ATMs. Also almost every bank has an agreement with Euronet[^] and transactions going through Euronet are free (although I pay 1PLN when withdrawing from Euronet with my _business_ card, retail clients have it free). A few banks offer premium accounts which allow you to withdraw from _any_ ATM country-wide free of charge. Normally you pay a small percantage, like 2% + a few PLN.
Kind regards, Pawel Krakowiak Miraculum Software[^] Freelance services, outsourcing & consulting.
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
Normally you can claim your transaction-fees back from the ATM by wrapping a chain around it and ripping it out of the wall with a truck. ;)
"For fifty bucks I'd put my face in their soup and blow." - George Costanza
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
Transactions through my bank's ATMs and other affiliated bank's ATMs (through agreements, partnership programs, whatever) no fees are incurred. However, anything through JoNet (Like EuroNet only local to Jordan) automatically incurs a charge of 0.5JOD/transaction regardless of the amount with a universal ceiling of withdrawal of 2000JOD (about $2850 US).
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
Vikram A Punathambekar wrote:
What about your country?
It depends. Most of the high street banks don't charge. If you find one of these small cash machines in pubs or leisure centres of such like they will often charge. The machines that do not charge will often have a big notice to tell you that they don't charge. However, just because the bank that runs the ATM does not charge does not mean that your own bank won't charge. Some banks will charge you for using another's ATM machine, however this doesn't happen a lot and its mostly overseas banks that do this.
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I only pay per transaction, not a ratio, so I hardly ever draw under R500.
I don't get charged either per transaction or a ratio... I just mean, if I did get a fixed fee it would be annoying as I like to only withdraw as much as I need, which is usually very little. But if I did get charged per transaction, I'd do what you do :)
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On-us transactions in India are free, but interbank transactions may be charged currently. But from Apr 2009, all interbank transactions will be free too! Yay! :-D What about your country? I just hope the date on which the new rules are supposed to take effect is a coincidence. :~ :-D
Cheers, Vikram.
"The weak can never forgive. Forgiveness is the attribute of the strong." - Mahatma Gandhi.
I recently opened a checking account with charles schwab which has a full refund of atm fees as a feature. Review of how well it works is pending my getting around to changing my direct deposit info at work to actually fund it.
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