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Debit Card


bongoz

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Anyone have any info. on using a Wells Fargo Debit Card or a Chase card in a ATM ,  is there a fee I'll check my bank later but just wondering if I will  see all kind of fees on it when I get back.    Thanks

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Anyone have any info. on using a Wells Fargo Debit Card or a Chase card in a ATM ,  is there a fee I'll check my bank later but just wondering if I will  see all kind of fees on it when I get back.    Thanks

 

A forum search for 'debit cards' or 'credit cards' or 'atm fees' should bring up a number of previous discussion threads about this topic.

 

First, call your banks and have them authorize your cards for international use for the time you will be traveling. Find out what your daily international cash withdrawal limit on the cards are.

 

ATMs in Thailand work with Visa and Mastercard networks, just like in the US.  You will be getting a 150-180 baht fee from the Thai bank per withdrawal, and you will likely see a 'foreign transaction fee' tacked on by your home bank as well. So for me last month, I was getting charged approximately $5.60 for the withdrawal fee, and $13 for the transaction fee... you can see this could get expensive if you keep on going to the ATM, so the smart move is to get as much US cash from your bank as you feel comfortable carrying (nice new $100 bills please), and bring it with you to Thailand, to exchange for baht in Pattaya when you need to. There are exchange booths all over the place in Pattaya.  But if you do need to use ATMs, withdraw as much as you can (see 'daily international cash withdrawal limit' above) each time you have to. The different Thai banks have various limits that can be withdrawn per transaction as well, detailed in the previous threads I mentioned searching for above.

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The smart move is to get as much cash from your bank as you feel comfortable carrying, and bring it with you to Thailand, and exchange it for baht in Pattaya when you need to.

 

Or get a card that doesn't have fees; I believe for Americans Schwab is one of the better ones (returns ATM fees, not sure about forex fees).

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Or get a card that doesn't have fees; I believe for Americans Schwab is one of the better ones (returns ATM fees, not sure about forex fees).

 

OP specifically mentioned using his Wells Fargo and Chase cards, so I purposely didn't bring that up. He will see the Schwab card mentioned in the other ATM threads.

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I use a Wells Fargo Debit card that is tied to my WF PMA account. I have used it all over SEA for years. No foreign transaction fees, exchange rate is at market with no discount, and ATM fees charged by local banks are refunded to me. However, best advice is to check with your bank.

It's the one you don't hear that gets you, and the one you don't see coming that traps you.

 

:WinkGrin1:

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Wells Fargo user here and my card is tied to my checking account.  Yes they will charge you an international fee when you use your card at the ATM there.  As mentioned above, best thing to do if you're withdrawing cash is take the maximum amount out (less withdraws means less fees)  Also, its a good idea to store what you don't plan on spending that day in your safe.  One other route you could take is getting travelers checks which can be exchanged for baht once you get over there.  Happy travels....

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Schwab = no minimum account balance, no annual fees, no foreign transaction fees, rebate on ATM fees 

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How does a Schwab card compare to a USAA bank card

 

I bring as much cash as I can - in $100 bills, they get the best exchange rate.  However, when I have to use a bank card, I only use my USAA bank card and bring my other cards just in case of emergencies.  As you might already know, USAA doesn't charge any fees on their end, plus they refund some of the fees charged by Thai banks, depending on how many withdrawals I make.  I believe the Schwab (and Capital One) is very similar.

If you want a better experience with your "date"... read, learn, live the following:

 

https://forum.pattaya-addicts.com/topic/22263-vetting-bar-girls-and-how-to-pass-their-own-vett

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Thanks guys on all my trips in the last 30 years I always had cash now being older I'm thinking about a card. Can't wait to spend some Baht

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BBB hey Buddy where you fling trim

BBB hey Buddy where you fling trim

Flying from

Flying from

looks like we'll be in town around the same time

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Back in 2004 I was accommodating at a local popular golfing hangout in Pattayaland...it was a busy Saturday night and I went to the ATM to get a withdrawal to settle my bill....- no dice, all systems down - no baht to be had!

 

Well, did I shart my pants !  I had to check out the next morning as I was off to Koh Chang with my honey.  The proprietor was super cool and let me slide...(I was there a week) ...on the promise I would send a check to his contact in the States upon my return.  How cool was that?!  

I don't know if these bank ATM issues happen anymore in Pattaya - but I got through it.    Anyway - I get to KC...get cash and cleared my balance my on way back through Pattaya.

 

Cut to...Now:

Just got off the telephone with my bank...100% reimbursement for all foreign ATM withdrawal fees.  So check with your bank.

(I will still get dinged a % for any purchases, charges that are non-ATM withdrawals.)

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  • 1 month later...

Has anyone tried using a Chinese debit card in Pattaya? I could check with the bank, but as I have lived in China a long time, I would not trust them if they said: "No problem, sir. It will work in Thailand." It's a China Construction Bank card, if that helps. Just not keen on taking heaps of cash with me.

 

Big Mike.

 

ps- Would rather abstain from using credit cards.

 

Issued in Beijing.

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Has anyone tried using a Chinese debit card in Pattaya? I could check with the bank, but as I have lived in China a long time, I would not trust them if they said: "No problem, sir. It will work in Thailand." It's a China Construction Bank card, if that helps. Just not keen on taking heaps of cash with me.

 

Big Mike.

 

ps- Would rather abstain from using credit cards.

 

Issued in Beijing.

Chinese business travellers spend fortunes on their cards in hotels and casinos the world over , Does it carry visa or mastercard logo? if so then you will be ok . if not I doubt it

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Thanks, mate. No Visa or Mastercard logo as it is just a debit card. Has the UnionPay logo which may mean international. Hmmm....

 

Big Mike.

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Thanks, mate. No Visa or Mastercard logo as it is just a debit card. Has the UnionPay logo which may mean international. Hmmm....

 

The UnionPay website has a section about Thailand which says...

 

Currently, UnionPay cards can be used to withdraw Thai Baht in approximately 95% of ATMs in Thailand including ATM machines belonging to 8 local banks: Kasikorn Bank, Bangkok Bank, TMB, Thanachart Bank, UOB, Krung Thai Bank, Siam Commercial Bank and Government Saving Bank.

 

Between Kasikorn (green), TMB (red/blue), Thanachart (orange) and SCB (purple); that's probably most of the ATMs in Pattaya.

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Just chipping in here have been testing a Paypal card this year 180 bahts = £3.0+  per withdrawal max withdrawal £250  x 4 times a week  no hassle  no bank fees that's it

 

Seems ok to me to pay  for safety you can also order several cards for a mini fee.

 

Fed up with banks getting hit with a £15 fee transaction when I get back home what for ??

 

Regards

mrjd

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  • 2 weeks later...

Used my Schwab card in July ......4 different ATM's. At the end of July all ATM fees were credited back to my account....

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  • 5 weeks later...

Open a nationwide building society account deposit 2 grand,you get worldwide travel insurance plus great rates,free with drawals abroad,just top it up 750 a month,great.

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Thanks to my fellow BM's for posting some info. Big shout to Sick Water Buffalo for the UnionPay info. Did some checking, all good, mate.

 

Big Mike.

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Open a nationwide building society account deposit 2 grand,you get worldwide travel insurance plus great rates,free with drawals abroad,just top it up 750 a month,great.

You sure about the free withdrawals,i thought nationwide stopped this ages ago,i dont use my flexaccount abroad now cos of this very reason,they`re fees are still competitive but i think you  might be wrong on the free withdrawals.If im wrong i apologise.

 

EDIT-They do indeed have an account called the `flex plus` account that states free withdrawals abroad,although theres a £10 a month fee(you do get travel insurance with the package though) quite a few banks seem to have accounts with perks like this now.

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I got a Visa debit card from Bangkok Bank with an expiration date that exceeds the United Airlines app. At this point it's useless to me in that regard.

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