28° Mastercard Cash Advances while overseas [No more free cash advances from 1/1/14]

[Flashback]

ING VISA - CITI MC

Makes sense in the variation then as each one does differ.

 

[Cruiser Elite]

Whilst sittin' around havin' a quiet Baijiu with me cobber Confucius one day he looked at me and muttered - 'Cruiser ol' son - believe not what the ear hears - believe only what the eye sees!'

Firstly XE rates:


Back to back transactions - firstly £50 Citibank Master Card Debit Card withdrawal:

Then £50 ING Visa Debit Card withdrawal:

Out in the real world facts generally outweigh opinions - although seldom the case here on AFF

 

[serfty]

Note that Visa uses the day of transaction for the FOREX rate and Mastercard use those of the day prior.

Here's where you get them:

Currency Converter - Exchange Rate Calculator | Visa

Currency Converter from Mastercard | Foreign Currency Exchange Rate Calculator

One thing that Puzzles me - 24th June is Tomorrow!

 

[Flashback]

Note that Visa uses the day of transaction for the FOREX rate and Mastercard use those of the day the day prior.

Here's where you get them:

Currency Converter - Exchange Rate Calculator | Visa

Currency Converter from Mastercard | Foreign Currency Exchange Rate Calculator


One thing that Puzzles me - 24th June is Tomorrow!

Banks will often do transactions based on the next working day if doing something on a weekend, common in the UK.

 

[Cruiser Elite]

I should have added above was a Barclays Bank ATM.

 

[Cruiser Elite]

Further extension of my Public Service Duties for AFF Members - comparative withdrawal rates imm apon arr HKG - Citi ATM - XE Rates:

And

ING Visa Debit Card:

Citi MC Debit Card:

 

[Cruiser Elite]

ICBC ATM on Nanjing Lu yesterday


Citi Debit Card:

ING Debit Card:

Yes I am expecting reimburse of ING Fee - BUT - from my limited testing Citi Debit Card is better and easier overall than ING considering ING’s rqts for card activity in month prior to intended use.

As always YMMV - but pictures carry far more weight than opinions.

 

[kpc]

Again, my Citibank Debit Card failed to work last week in Vietnam Relied on +1s Ing Orange card which was fortunate as every ATM we used in Vietnam had an ATM fee which Ing Orange refunds . I know it is a pain, but making 5 transactions and the mininum $1000 deposit the month before is a minor inconvenience to get the ATM fee refunded so I have just applied for an Ing Orange card for my next OS trip next month!...and have emptied ny Citibank card!!

 

[futaris]

Transferwise is another new option

 

[Baysider]

Again, my Citibank Debit Card failed to work last week in Vietnam Relied on +1s Ing Orange card which was fortunate as every ATM we used in Vietnam had an ATM fee which Ing Orange refunds . I know it is a pain, but making 5 transactions and the mininum $1000 deposit the month before is a minor inconvenience to get the ATM fee refunded so I have just applied for an Ing Orange card for my next OS trip next month!...and have emptied ny Citibank card!!

Funny, have never had an issue anywhere using Citibank Plus. The only people I know who had a problem ignored the instructions and selected Savings/Transaction account instead of selecting Credit/Visa at the ATM.

 

[Baysider]

The ING card is the best product now. My son is using one.

 

[Chicken]

Funny, have never had an issue anywhere using Citibank Plus. The only people I know who had a problem ignored the instructions and selected Savings/Transaction account instead of selecting Credit/Visa at the ATM.

I have never selected credit, and SAV and CHQ are the same, both work.

 

[Baysider]

I have never selected credit, and SAV and CHQ are the same, both work.

 

[Baysider]

And from the Whirlpool guide:
Citibank Plus Transaction Account

 

[Chicken]

...

Thank you for finding the info. I have used this card in western eastern Europe Hong Kong, never used credit option, all worked. Don't think it matters.

 

[Cruiser Elite]

Crikey I have never selected Credit - only ever Savings - I thought that's what you had to do?

I still don't see how anybody can say ING is better than Citi - I thought I posted plenty evidence above to show line ball - and with Citi no need for that ridiculous 5 cleared transactions and $1,000 upload in month prior to intended use.

 

[stm1sydney]

In either case, it is extremely impressive that both are within a smidgin of the XE midmarket rate. It's just a matter of weighing up whether to go Citi MC debit (with no transactions requirement other than keeping it active every few months or so, but with o/s ATM fees payable), or ING VISA debit (with o/s ATM fees refunded but only if you meet the transactions requirement in the month BEFORE you travel).

For me, I suspect I might be caught out by the ING transactions requirement in the month BEFORE, as sometimes I am called o/s for work at short notice. So I'll stick with Citi.

 

[Cruiser Elite]

Citi has o/s ATM transaction fees? I have never been levied an ATM fee?

 

[Chicken]

Citi has o/s ATM transaction fees? I have never been levied an ATM fee?

They mean you have to pay ATM operator fee if you use Citi, whereas ING would pay the ATM operator fee for you. I think other members mentioned Thai ATMs are run by gangster banks wanting AUD$10 for withdrawals?

 

[Cruiser Elite]

Non bank ATM Operators right?