Questions for UK citizens using a Debit or Credit card

Withdraw cash, change pin, activate pin.

For both, if it is a different bank from the one your card is issued by, then the same as for a credit card, otherwise there may be a lot more options depending on the bank in question.

Certainly not for proper bank machines. Some fee charging machines in shops may well do that.

In the U.S, with have those. Even at banks. Mainly those types are at shopping malls or convince stores

In the U.S. Just for your info.

We have these choices. Depending on the machine. Credit Checking Savings Other

When using a Debit card with a Visa or Mastercard logo on it. Both options show up. It will work with either choice and still come out of are checking account.

Greg Rozelle

I've seen them in the UK also at those kind of places. They definitely do exist there, although they're not very common.

Chris

The paying in machine just flips your card back out at you at our local bank.

Only one I've ever seen that does.

At 21:03:09 on 14/10/2007, Jonathan Bryce delighted uk.finance by announcing:

Although fewer of those now exist due to the EMV liability shift.

I've never come across one, except of course for machines where there's nothing for the customer to do other than insert and remove the card, e.g. pre-paid ticket pick-ups, automated car park barriers, etc.

Forgive my ignorance, what's that?

At 09:17:12 on 15/10/2007, root delighted uk.finance by announcing:

Known in the UK as "Chip & PIN"

although this is misleading since there's no absolute requirement for a PIN to be entered in EMV As for the liability shift, it basically means that the liability* is borne by whichever link is not EMV enabled; i.e.

1. the transaction acquirer if they don't issue the merchant with an EMV-capable terminal and/or do not accept EMV transactions
2. the card issuer if they don't issue EMV cards3. assuming both #1 & #3. the merchant if they don't perform an EMV transaction

• for VISA and Mastercard schemes - other schemes, such as Amex, also use the EMV standard but are under no obligation to do so.

My parents had problems whilst holidaying in Canada. They used an Alliance & Leicester Visa debit card which is advertised as working in millions of Visa/PLUS ATMs worldwide. It didn't work at all.

"Q. Can I use my debit card abroad?

A. Yes. You can use your Visa debit card to pay at over 15 million outlets world-wide where you see the Visa sign, as well as withdraw cash at thousands of PLUS machines in over 60 countries (fees apply to these transactions and details can be found on our interest rates and fees page)."

It hadn't been suspended, as they'd informed AL they were holidaying in Canada beforehand, and the card worked on return to the UK.

Daytona

I think some Canada ATMs has a Credit option but I am not positive. So you would chose that. Instead of Chequing. It will still come out of your Chequing account.

You do need to notify your bank when you change countries.

Did they try using it a Merchant that take Visa and did it work?

When using a debit card with a MasterCard or Visa symbol in Canada make sure you tell the merchant to run it as a Credit Card. For some reason the system thinks it is a Interac card. Americans also have this problem using there MasterCard debit card or Visa debit card. Some of are cards are recognized as an Interac card. The merchant got to force it to run over the credit card network. Those methods will still come out of your primary checking account.

Greg Rozelle

"Greg Rozelle" wrote

Haven't you said that before, and been told it's wrong with UK banks? [It might be useful, but it isn't required.]

"Greg Rozelle" wrote

What other account(s) could it possibly come out of, if not the account to which the card relates?

At 12:18:31 on 16/10/2007, Tim delighted uk.finance by announcing:

Well it *may* be a _bank_ card, rather than an _account_ card, in which case you could have the choice of which account with that bank you are withdrawing the cash from. The same thing is possible with EMV, although the processing there would be performed by the card and terminal rather than the issuing bank.

"Alex" wrote

Which UK bank(s) issue(s) such a card, operating on multiple accounts?

When this debit card is used to buy goods in a shop, does it always use one particular a/c or does the retailer choose which a/c will be debited, before you enter your PIN / sign?

At 13:42:27 on 16/10/2007, Tim delighted uk.finance by announcing:

None, AFAIK. Although at least one bank's debit card (mine) will offer you the choice of a debit card (VISA) or a cash withdrawal (Link) transaction when in Ireland. It's exactly the same principle.

BTW - the technology allows not just this, and the possibility of multiple accounts, but multiple banks and even other organisations. See the Barclaycard/TFL collaboration for their OnePulse card for a good (perhaps currently the only) example.

It would always be the cardholder choosing, not the retailer. Well, in theory anyway.

That's what I suspected. So, there was no point in Greg's comment regarding a UK debit card, then?

"Alex" wrote

That sounds like it still only applies to one account. What's the difference between getting cash out of an ATM via VISA or getting cash out of the ATM via Link? Just charges?

"Alex" wrote

Yes, I know! But Greg's comment suggests that this technology is *already* being used by one/more UK banks...

"Alex" wrote

Let's hope the input machines in the shops will cope, with giving the customer the choice!

Actually, you are incorrect. I wish I had a link to that article. I found out some not all UK banks do block transactions outside of the UK unless you tell them otherwise.

The article came from a European website. When someone could not use his Visa debit card because he changed countries.

Greg Rozelle

"Greg Rozelle" wrote

I don't think so.

"Greg Rozelle" wrote

Can you name one?

"Greg Rozelle" wrote

Perhaps that was in a *non-UK*, but EU, country?

Here are the link you asked

Can you tell my why Daytona parents could not use their card then?

I was talking about the Candiana debit card system. As I said before it reconized the new type of debit cards as an interac card, when they are not. I read this online as well.

"Greg Rozelle" wrote

I didn't ask for anything!

"Greg Rozelle" wrote

Ah, certainly not authoritative then, just a few web users on a blog.

"Greg Rozelle" wrote

Well, it certainly wasn't because they didn't tell the bank beforehand -- Daytona said they *had* informed the bank *before* they went!

"Greg Rozelle" wrote

Hmmmm. You seem to have been talking about using a *UK* debit card in Canada.