Citibank Plus - No Fee No Overseas Transaction Fee Account

[Danger]

ANZ Rewards Travel Adventures
No overseas transaction fee on purchases

Ahhh. That's not the card I've got. Mine is an ANZ Rewards Platinum, not Travel Adventures.

 

[The man with no name]

ATM fees in Spain

Currently travelling around Europe with my girlfriend and have a few observations for those that are using a Citibank Plus.

Firstly here in Spain the banks want to slug you €5 to withdraw from an ATM in addition to offering that old scam of a currency conversion to your own currency ( never accept the conversion). After going to ATM’s of at least 5 different banks, including big ones like Santander, I finally found one that charges no fee. It’s called Bankia and I’ve attached a pic of one of their ATMs so you know what they look like. The still try the conversion scam but I simply pressed no.

The other countries we’ve visited are France, Switzerland, Slovakia, Austria and Italy. In these countries None of the bank ATMs tried to charge a withdrawal fee but it'seasy to confuse them with private ATMs which do. Much the same as those Red ATMs in Australia charge a fee.

Hope this helps

 

[Flashback]

ATM fees in Spain

Currently travelling around Europe with my girlfriend and have a few observations for those that are using a Citibank Plus.

Firstly here in Spain the banks want to slug you €5 to withdraw from an ATM in addition to offering that old scam of a currency conversion to your own currency ( never accept the conversion). After going to ATM’s of at least 5 different banks, including big ones like Santander, I finally found one that charges no fee. It’s called Bankia and I’ve attached a pic of one of their ATMs so you know what they look like. The still try the conversion scam but I simply pressed no.

The other countries we’ve visited are France, Switzerland, Slovakia, Austria and Italy. In these countries None of the bank ATMs tried to charge a withdrawal fee but it'seasy to confuse them with private ATMs which do. Much the same as those Red ATMs in Australia charge a fee.

Hope this helps

Spain has only started charging in recent years and yes at 5 euros it's a bit of a rip!

 

[jb747]

ING by a mile.

 

[Cruiser Elite]

ING by a mile.

100% sure ING cards at same Spanish ATMs won’t incur same charges?

 

[oz_mark]

100% sure ING cards at same Spanish ATMs won’t incur same charges?

Plan the 5 transactions in the previous month, fees get refunded.

 

[Cruiser Elite]

Plan the 5 transactions in the previous month, fees get refunded.

You what?

 

[Must...Fly!]

Deutsche Bank ATMs should also be free.

 

[Chicken]

You what?

at all the 3.5 million+ ATMs around the world we'll rebate the ATM fee within 5 days, when you deposit $1,000 or more per month and make 5+ card purchases that are settled (not pending) each month.

 

[oz_mark]

You what?

Too hard for some people, but/...

International ATM withdrawal fee rebate
Offer will apply for the next calendar month when you perform the following during the current calendar month:
deposit at least $1,000 from an external bank account to any personal ING account in your name (excluding Living Super and Orange One), and

also make at least 5 card purchases that are settled (and not at a 'pending status') using your ING debit or credit card (excluding ATM withdrawals, balance enquiries, cash advances and EFTPOS cash out only transactions)

 

[maccaisking]

at all the 3.5 million+ ATMs around the world we'll rebate the ATM fee within 5 days, when you deposit $1,000 or more per month and make 5+ card purchases that are settled (not pending) each month.

Screenshot from a trip I took to USA last year. I could withdraw inside a casino and not worry about the fee. Needless to say I would have been better off if I had avoided withdrawing altogether, but it lessened the pain a little! Also all fx fees on international purchase transactions are refunded, and those transactions count toward the 5/month needed to maintain it fee free. Very helpful when living overseas

 

[Cruiser Elite]

Too hard for some people, but/.

You proud of that response?

 

[oz_mark]

You proud of that response?

Sure, and when I get a bot of time, I'll find some posts where people have said 5 transactions a month is too much work.

 

[daft009]

Sure, and when I get a bot of time, I'll find some posts where people have said 5 transactions a month is too much work.

For a super regular traveler I think not. For others, perhaps. For me I just check the wiki on Whirlpool before I go. Really don't want another account to keep track off...

Citibank Plus Transaction Account

 

[Chicken]

Sure, and when I get a bot of time, I'll find some posts where people have said 5 transactions a month is too much work.

I'm one.

It's ridiculous. Who has the time to deal with this BS, when you can get the same thing from Citi? Oh, by the way, the other banking products from ING are also stupid. No, not high fee or what not, but stupid. If you want to do a deal, you do a deal, if you want to be expensive, you charge the price you want, not make customer to do stupid things like this, and make it maybe a trap.

I have enough booking keeping to do, don't need to play this stupid game with ING of shuffling money in circle.

 

[daft009]

I'm one.

It's ridiculous. Who has the time to deal with this BS, when you can get the same thing from Citi? Oh, by the way, the other banking products from ING are also stupid. No, not high fee or what not, but stupid. If you want to do a deal, you do a deal, if you want to be expensive, you charge the price you want, not make customer to do stupid things like this, and make it maybe a trap.

I have enough booking keeping to do, don't need to play this stupid game with ING of shuffling money in circle.

the ING account is slightly different/better than the citi account.
even if the O/S bank charges you ATM fees ING will refund it. citi won't refund.
Citi only promise not to charge ATM fees themselves.

 

[kpc]

I was going to apply for an orange ING card to supplement my Citibank Visa debit card when +1 told me she has had one for a few years...she already gets a monthly deposit >$1000....to get the 5 transactions out of the way, I went to Coles self checkout and put 5x $1 transactions on the card in less than 5 minutes, then paid the rest of the bill with my Coles e Gift card . Easy

 

[DeKa]

I was going to apply for an orange ING card to supplement my Citibank Visa debit card when +1 told me she has had one for a few years...she already gets a monthly deposit >$1000....to get the 5 transactions out of the way, I went to Coles self checkout and put 5x $1 transactions on the card in less than 5 minutes, then paid the rest of the bill with my Coles e Gift card . Easy

kpc do note that the “benefit” only applies the following month after 5 transactions & $1000 deposit. It’s not from the moment the criteria are met.

 

[JessicaTam]

A few days ago I made a withdrawal at an ATM in Tarbert (Isle of Harris, Scotland). I was told I would be charged ~£2. I had to do the transaction anyway so proceeded. I was then offered the withdrawal to be processed in AUD. No thanks, stuck with GBP.

From memory my £100 was to become $212 with the fee. I just checked my account and I was charged $189 with no fee. Easiest 10% I never spent!

 

[gty222]

...
From memory my £100 was to become $212 with the fee. I just checked my account and I was charged $189 with no fee. Easiest 10% I never spent!

10%! It's getting worse. Normally works out to 5%, but best avoided. No advantage whatsoever.