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Most US atm will charge a fee fo usage to non Customers (so that include all foreign Debit and Credit cards). In that, a Chase UK debit card is unique as it won’t incur a fee at the widespread Chase US atm’s across the country. If you have a UK Santander Select DC, you may do the same at US Santander ATM, but those are only present in few east coast cities
We also have few Forex free CC (Santander Zero, Barclaycard Rewards, MBNA Horizon Cashback), but ended up using Chase UK DC everywhere in our last trip to California in March. The cashback was great and I managed to even switch the Credit Card on hold at both hotels and car rental, with the Chase DC when checking out/returning the car. Until the 1% cashback last, there is simply no better returnMbna horizon still has no ATM fees if you use a Bank of America machine.
Hoping barclaycard avios could work for collecting points?
yes but FX fee, unless you NEED the spend to meet sign up bonus the maths is not great.
Well – it remains to be seen what happens if you do it the bendy way after July 8th lol.
I got a shut down notification about 3 days after a £10 top up using bendy – thought I try out an alternative ahead of time. Clearly a bad idea.
Was it a definite shut down or a warning to shut you down if you tried it again?
Curve does seem to becoming a little toxic these days within the industry.
It was a definite, like we are restricting your account immediately, move your money out by then and download your statement.
I dont have Revolut and obviously not widely known loop hole but since its getting shut down, how can i get on board before 8th july? Topping up with credit cards or bendy??
see my comment above on being shut down after £10 of top up via bendy, maybe it was a one off event 🤷♀️
Most US atm will charge a fee fo usage to non Customers (so that include all foreign Debit and Credit cards). In that, a Chase UK debit card is unique as it won’t incur a fee at the widespread Chase US atm’s across the country. If you have a UK Santander Select DC, you may do the same at US Santander ATM, but those are only present in few east coast cities
We also have few Forex free CC (Santander Zero, Barclaycard Rewards, MBNA Horizon Cashback), but ended up using Chase UK DC everywhere in our last trip to California in March. The cashback was great and I managed to even switch the Credit Card on hold at both hotels and car rental, with the Chase DC when checking out/returning the car. Until the 1% cashback last, there is simply no better returnMbna horizon still has no ATM fees if you use a Bank of America machine.
Good point, however never been a fan of using a CC for ATM withdrawals… aside of the pennies in interest -if you repay immediately- these also get reported on the credit file.
Again, Chase UK bank account is the perfect solution for USA trips, especially on the first year.
For those that are mentioning CC buyer protection, I guess you can still have a CC back up for £100 plus value item, but I guess for most expenses (accommodation , f&d, general shopping, it does not matter).
@LucaM the s75 protection matters for things like hotels if they charge you up front for your stay and you leave (and they might take the hold as a charge for cancellation) because of a problem and they won’t refund you. Also good for air tickets.
As you say it generally doesn’t matter for day to day stuff, but for shopping if you discover a problem later, s75 can be a big help and is invaluable if you buy something abroad that needs to be shipped home as we do from time to time and it doesn’t arrive, or is damaged etc.
- This reply was modified 55 years, 4 months ago by .
@LucaM the s75 protection matters for things like hotels if they charge you up front for your stay and you leave (and they might take the hold as a charge for cancellation) because of a problem and they won’t refund you. Also good for air tickets.
As you say it generally doesn’t matter for day to day stuff, but for shopping if you discover a problem later, s75 can be a big help and is invaluable if you buy something abroad that needs to be shipped home as we do from time to time and it doesn’t arrive, or is damaged etc.
Indeed, as I mentioned before I have used CC to book and at check in at hotels but then swap to Chase Debit Card at check out and to settle the bill.
Most US atm will charge a fee fo usage to non Customers (so that include all foreign Debit and Credit cards). In that, a Chase UK debit card is unique as it won’t incur a fee at the widespread Chase US atm’s across the country. If you have a UK Santander Select DC, you may do the same at US Santander ATM, but those are only present in few east coast cities
We also have few Forex free CC (Santander Zero, Barclaycard Rewards, MBNA Horizon Cashback), but ended up using Chase UK DC everywhere in our last trip to California in March. The cashback was great and I managed to even switch the Credit Card on hold at both hotels and car rental, with the Chase DC when checking out/returning the car. Until the 1% cashback last, there is simply no better returnMbna horizon still has no ATM fees if you use a Bank of America machine.
No ATM fees at any ATM. The ATM itself might charge fees, but MBNA don’t.
Most US atm will charge a fee fo usage to non Customers (so that include all foreign Debit and Credit cards). In that, a Chase UK debit card is unique as it won’t incur a fee at the widespread Chase US atm’s across the country. If you have a UK Santander Select DC, you may do the same at US Santander ATM, but those are only present in few east coast cities
We also have few Forex free CC (Santander Zero, Barclaycard Rewards, MBNA Horizon Cashback), but ended up using Chase UK DC everywhere in our last trip to California in March. The cashback was great and I managed to even switch the Credit Card on hold at both hotels and car rental, with the Chase DC when checking out/returning the car. Until the 1% cashback last, there is simply no better returnMbna horizon still has no ATM fees if you use a Bank of America machine.
No ATM fees at any ATM. The ATM itself might charge fees, but MBNA don’t.
That’s irrelevant to my post, Bank of America ATMs are totally fee free for Horizon cards. There will likely be a fee at any other ATM.
Doesnt matter who charges, the card provider or ATM operator its a fee regardless if there is one.
- This reply was modified 55 years, 4 months ago by .
Seems to be a lot of posts about ATMs. What do people do with cash in the US? Apart from tips do people really still use cash?
Seems to be a lot of posts about ATMs. What do people do with cash in the US? Apart from tips do people really still use cash?
Gamble with it in Las Vegas!! Apart from that I’ve always used a credit card when in the US. Tips are always added to the credit card by the amount the customer chooses.
Seems to be a lot of posts about ATMs. What do people do with cash in the US? Apart from tips do people really still use cash?
Gamble with it in Las Vegas!! Apart from that I’ve always used a credit card when in the US. Tips are always added to the credit card by the amount the customer chooses.
I have little faith in those being passed on. Tip in cash, it probably then gets taken by one person rather than shared, but the tip on credit always leaves me doubting its final beneficiary.
Seems to be a lot of posts about ATMs. What do people do with cash in the US? Apart from tips do people really still use cash?
Cash is still relevant in Vegas as mentioned above. Its surprising how much I went through in April when you factor in gambling, cocktail waitresses, valet and other basic bribes. Minimum ATM fee I saw on the strip or downtown was $5 with a few as high as $10 so it can easily build up unless you are a bit smarter.
I do put everything I can on the room bill where possible though, but yes anywhere else card covers 99% of things. The yanks are still a bit behind us when it comes to tap and pay, especially on public transport.
Seems to be a lot of posts about ATMs. What do people do with cash in the US? Apart from tips do people really still use cash?
Cash is still relevant in Vegas as mentioned above. Its surprising how much I went through in April when you factor in gambling, cocktail waitresses, valet and other basic bribes. Minimum ATM fee I saw on the strip or downtown was $5 with a few as high as $10 so it can easily build up unless you are a bit smarter.
I do put everything I can on the room bill where possible though, but yes anywhere else card covers 99% of things. The yanks are still a bit behind us when it comes to tap and pay, especially on public transport.
Agreed. I was quote shocked to find Chicago Metra trains are cash only to the conductor when boarding at stations where there are no machines.
Lots of places in the US that still prefer cash.
Most often, people nowadays use the WestStein prepaid card to pay. It’s really convenient. Especially if you open through a proven and reliable service, such as WestStein, then there will be no problems. In 5 minutes you will have an account open and you can safely use it.
Most often, people nowadays use the WestStein prepaid card to pay. It’s really convenient. Especially if you open through a proven and reliable service, such as WestStein, then there will be no problems. In 5 minutes you will have an account open and you can safely use it.
Most often? I doubt it……..
Oh and it has a 55% Bad rating on trustpilot
Most often, people nowadays use the WestStein prepaid card to pay. It’s really convenient. Especially if you open through a proven and reliable service, such as WestStein, then there will be no problems. In 5 minutes you will have an account open and you can safely use it.
Ok unknown poster, will definitely follow your dubious link to an unheard of service. Thanks.
Most often, people nowadays use the WestStein prepaid card to pay. It’s really convenient. Especially if you open through a proven and reliable service, such as WestStein, then there will be no problems. In 5 minutes you will have an account open and you can safely use it.
Unregulated Latvian org, most reviews say it’s a scam. Surprised Mastercard let them continue.
Dave, are you saying Chicago metro has stations without Ventra machines, or they’re broken?
I’m still not seeing the point of cash outside Vegas/Casinos. My own experience is that more places are cashless and seeking card payment.
- This reply was modified 55 years, 4 months ago by .
Dave, are you saying Chicago metro has stations without Ventra machines, or they’re broken?
I’m still not seeing the point of cash outside Vegas/Casinos. My own experience is that more places are cashless and seeking card payment.
Specifically “Metra”, not CTA stations. The suburban rail has a few stations with no machines, the one I hit was Solidier Field where the stadium is. The instructions are pay on train and the (rather curt) conductor said only cash was accepted.
I’ve come across a few places that were cash only this year, I agree it’s not common but always worth having $50-100 in your pocket. I opted to pay cash in many places one was specifically at the beer tents at the festival as it was quicker than tap and sign. Burnt through over $1000 in cash across my last 6 weeks in the US.
Mbna horizon still has no ATM fees if you use a Bank of America machine.
No ATM fees at any ATM. The ATM itself might charge fees, but MBNA don’t.
That’s irrelevant to my post, Bank of America ATMs are totally fee free for Horizon cards. There will likely be a fee at any other ATM.
Doesnt matter who charges, the card provider or ATM operator its a fee regardless if there is one.
It’s not, what you said was unclear in that case – you said MBNA Horizon has no fees at BoA – MBNA Horizon has no fees at any ATM. However I didn’t realise BoA was free for all, so that’s good to know. I use an ING Debit Card which reimburses the fees, which is a great benefit (although only for 5x cash withdrawals per month now, and it’s an Australian debit card, so not helpful for most here).
For some reason my long reply does not post.
In shorts, ATM fee are always charged by the ATM operator, and in countries like USA, Spain and Greece are common/the majority for using ATM not operated by the bank issuing the card.
BoA does charge non customer but MBNA UK used to be owned by BoA and thus MBNA Horizon is an exception (ATM fee not charged because of it, plus is a forex free card).So QFFlyer argument was not in line with the discussion had so far. For the US there are only few FEE FREE options for using ATM by UK bank customers: Chase UK debit card at Chase ATM, Santander Select DC and Santander Zero CC at Santander East Coast ATM, and MBNA Horizon CC at BoA ATM, of these options, only the 2 debit cards mentioned would not incur in interest for withdrawing cash from the ATM nor would this be reported to the Credit Agencies.
For some reason my long reply does not post.
In shorts, ATM fee are always charged by the ATM operator, and in countries like USA, Spain and Greece are common/the majority for using ATM not operated by the bank issuing the card.
BoA does charge non customer but MBNA UK used to be owned by BoA and thus MBNA Horizon is an exception (ATM fee not charged because of it, plus is a forex free card).So QFFlyer argument was not in line with the discussion had so far. For the US there are only few FEE FREE options for using ATM by UK bank customers: Chase UK debit card at Chase ATM, Santander Select DC and Santander Zero CC at Santander East Coast ATM, and MBNA Horizon CC at BoA ATM, of these options, only the 2 debit cards mentioned would not incur in interest for withdrawing cash from the ATM nor would this be reported to the Credit Agencies.
Santander Select is supposed to not charge ATM fees at Santander US ATMs but it does… Unless it has changed recently (last withdrawal in 2019).
If you ring Santander UK afterwards they will refund it though.
For some reason my long reply does not post.
In shorts, ATM fee are always charged by the ATM operator, and in countries like USA, Spain and Greece are common/the majority for using ATM not operated by the bank issuing the card.
BoA does charge non customer but MBNA UK used to be owned by BoA and thus MBNA Horizon is an exception (ATM fee not charged because of it, plus is a forex free card).So QFFlyer argument was not in line with the discussion had so far. For the US there are only few FEE FREE options for using ATM by UK bank customers: Chase UK debit card at Chase ATM, Santander Select DC and Santander Zero CC at Santander East Coast ATM, and MBNA Horizon CC at BoA ATM, of these options, only the 2 debit cards mentioned would not incur in interest for withdrawing cash from the ATM nor would this be reported to the Credit Agencies.
Santander Select is supposed to not charge ATM fees at Santander US ATMs but it does… Unless it has changed recently (last withdrawal in 2019).
If you ring Santander UK afterwards they will refund it though.
Last used in 2018 myself, downtown Manhattan, but at the counter as the ATM was playing up, and not charged a fee. However there are reports of similar issue in Spain, when using newly converted Santander Branches (from recent acquisitions), but again, fee are easily refunded once contacted Santander UK.
At risk of sounding like a broken record, Chase UK debit card is for me the top option for US trips: in a March, used it virtually everywhere in LA, and came back with about £60 cashback.
Quirk of the Curve £1,000 FX fee free weekdays.
If you have pending transactions that drop off (e.g. an Uber that you cancel or have to rebook), despite it dropping off your pending charges, it seems to hit the spend counter against the £1,000 weekday limit.
Good thing the transactions show up straight away. In my case I flipped straight over to the Chase debit card once I saw that Curve had prematurely started applying a fee, it was just sooner than I had anticipated.
Despite limiting my exposure I’m still querying it with Curve CS, but they are painfully slow at responding on chat.
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