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Originally Posted by rtom
(Post 12730051)
I'll be in Stockholm for about a week in a month's time, and I'd like to plan now which credit and/or debit cards to use.
I've prepaid my hotel stay but will surely have lots of meal, museum, and other incidental expenses. I've been thinking to use mostly debit card(s) to make cash withdrawals. I have debit cards from Chase, USAA and Bank of America, and credit cards from B of A, USAA, and Amex. No Capital One or Schwab cards, and I'd rather not add to my already large collection just for this trip. If I understand what USAA says correctly, the total charge will be 1% if I use their debit card, plus a possible fee from the ATM owner. Can anyone verify this? Also, is anyone familiar with ATM fees in Stockholm? Thanks, R. |
Dear rtom,
Just a reminder that cross-posting is not a good idea. See the Other Credit Card thread http://www.flyertalk.com/forum/other...stockholm.html It clogs the "arteries." @:-) |
Originally Posted by biggestbopper
(Post 12731235)
Dear rtom,
Just a reminder that cross-posting is not a good idea. See the Other Credit Card thread http://www.flyertalk.com/forum/other...stockholm.html It clogs the "arteries." @:-) All the OP needs is to find out USAA info as the BofA info is readily available on BofA own website, although it requires a bit of work from the OP to find it... |
Capital one has worked well for me - no transaction fee
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About USAA and reimbursement of ATM fees abroad:
I was told yesterday by a USAA rep that unfortunately they don't reimburse the fee a foreign ATM owner charges. That said, I'm pleased to hear that some of you have been reimbursed. Maybe USAA reimburses in cases where it's clear what the ATM fee was. |
Is there a site somewhere where all of the ATM owner fees are compiled? That would really be useful. I know when I was travelling in Greece, one of the tourist guidebooks (Let's Go, if memory serves) that set them all out.
It seems like another good class action would be to force all the ATM networks to reveal these charges. I don't care about the payout, I would just like to see some injunctive relief to make them reveal and publicize these. Plus and Cirrus should be the defendants. Many British ATM's at banks tell you on the screen that there is no ATM owner charge. Hooray for them. |
Originally Posted by Carolinian
(Post 12736118)
Is there a site somewhere where all of the ATM owner fees are compiled?
http://flyerguide.com/wiki/index.php...reign_Exchange |
E*Trade does not allow you to use ATMs in "Southeast Asia". They publish no list of what qualifies as "Southeast Asia" but the manager on the phone said to look for a Visa+ logo and hope, but no guarantee E*Trade will let you make the withdrawal.
Just wanted to add this to the FT community. Does Schwab have the same restriction? Finally, can someone recommend a bank to get currency before I leave from the USA? Somewhere with good rates (euro and Thai baht). Thanks! |
Originally Posted by GITU
(Post 12766808)
Does Schwab have the same restriction?
Finally, can someone recommend a bank to get currency before I leave from the USA? Somewhere with good rates (euro and Thai baht). |
I use first republic for my banking. I'm a "premier" customer or whatever. I am waiting for a call back from the forex rep there.
Are there any decent services out there in case their rates are not too good? |
Originally Posted by Kalboz
(Post 12736509)
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In the wiki, for State Farm Bank, under ATM Fee, someone put "0% + $10 handling charge". As far as I know, there is no $10 handling charge whatsoever. Who put that information there?
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State Farm Bank has definitely been the best of the bunch for me, and I've never had a handling charge.
The situation in Thailand is really bad, though when I was there last (in August), Bangkok Bank wasn't charging anything for Visa cash advances done over the counter. My credit union doesn't charge any upfront fees on those (try getting THAT from a bank), so it worked out. Generally, though, will need a much heavier mix of traveler's checks. |
HSBC Premier World MasterCard
Wouldn't the HSBC Premier World MasterCard be considered a potential best?
-No foreign transaction fees made in a foreign currency -No preset spending limit -No annual fee or over-limit fees -Points http://www.us.hsbc.com/1/2/3/hsbcpremier/privileges |
Originally Posted by bdd
(Post 13076836)
Wouldn't the HSBC Premier World MasterCard be considered a potential best?
-No foreign transaction fees made in a foreign currency -No preset spending limit -No annual fee or over-limit fees -Points http://www.us.hsbc.com/1/2/3/hsbcpremier/privileges I had high hopes for HSBC when they made all the acquisitions around the world a while back. It seemed they were looking to move banking services above the bumps that often show up as you cross borders/oceans. Maybe they do but when I checked back then, they looked to be in the same old "high fees but we'll waive them if you give us big deposits" game that's been a benchmark of banking for, say, 100 years or so. |
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