Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • MSE Ben
    • By MSE Ben 11th Jul 17, 5:09 PM
    • 38Posts
    • 4Thanks
    MSE Ben
    0 WOW
    MSE News: Have you ever paid in euros abroad but been charged in pounds?
    • #1
    • 11th Jul 17, 5:09 PM
    0 WOW
    MSE News: Have you ever paid in euros abroad but been charged in pounds? 11th Jul 17 at 5:09 PM
    MoneySavers are losing out by having payments processed in pounds even when selecting the local currency payment option...
    Read the full story:
    'Have you ever paid in euros abroad but been charged in pounds?'

    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.
    Last edited by MSE Luke; 11-07-2017 at 8:55 PM.
Page 2
    • zagfles
    • By zagfles 13th Jul 17, 6:54 PM
    • 12,495 Posts
    • 10,496 Thanks
    zagfles
    I spend a lot of time in Spain, and use my Halifax clarity card for everything. The difficulty is that almost all the time the currency question comes after the pin code entry. Also with contactless there is no pin entry obviously. Its so frustrating saying, "no you charged me in the wrong currency" they often offer a refund but that would cost even more money
    Originally posted by SalarySlave
    Doing it on contactless is just taking the p*ss. You can't possibly have accepted DCC because until you tap your card it doesn't know its country of origin, so the idea you've accepted DCC is laughable. Surely VISA/Mastercard/consumer protection bodies need to crack down on this fraud.
    Last edited by zagfles; 13-07-2017 at 6:56 PM.
    • JezR
    • By JezR 14th Jul 17, 2:00 PM
    • 1,513 Posts
    • 1,075 Thanks
    JezR
    It is 'consumer protection bodies' that require DCC to be allowed, at least in some countries. Visa/MC would I guess like to see the back of it.
    • zagfles
    • By zagfles 16th Jul 17, 7:01 PM
    • 12,495 Posts
    • 10,496 Thanks
    zagfles
    It is 'consumer protection bodies' that require DCC to be allowed, at least in some countries. Visa/MC would I guess like to see the back of it.
    Originally posted by JezR
    They might require it to be "allowed". But they should also require it not to be imposed without consent.
    • atruefaker
    • By atruefaker 23rd Sep 17, 10:26 PM
    • 121 Posts
    • 17 Thanks
    atruefaker
    Greece- charged in GBP by restaurant owner
    I am currently on holiday in Greece and I have just been charged me in GBP despite me insisting on Euros. I was using a Santander Zero card, no foreign fees.

    The owner at the restaurant had a handheld machine, it was all in Greek and he couldnít change the language (he said) but assured me it was in Euros.

    On being handed the receipt, (it was as the MSE Guy example on the site) I had been charged in GBP and I had accepted this with a 3% mark up. I had not. I asked the owner to cancel the transaction and he refused, he said it was the bank and machineís fault and not his problem. There was nothing he could do or would do.

    I called Santander straight away and they said they could do nothing as it was in the processing stage, also that I would have to prove I had not accepted the transaction. I queried this and asked how this is possible to prove unless they are present at the time.

    I will carry on contacting Santander and it may only be for a couple of pounds, however, it is the principle. The Santander advisor also suggested leaving a Tripadvisor review about it.
    • jonesMUFCforever
    • By jonesMUFCforever 24th Sep 17, 1:16 PM
    • 24,255 Posts
    • 11,537 Thanks
    jonesMUFCforever
    I am currently on holiday in Greece and I have just been charged me in GBP despite me insisting on Euros. I was using a Santander Zero card, no foreign fees.

    The owner at the restaurant had a handheld machine, it was all in Greek and he couldnít change the language (he said) but assured me it was in Euros.

    On being handed the receipt, (it was as the MSE Guy example on the site) I had been charged in GBP and I had accepted this with a 3% mark up. I had not. I asked the owner to cancel the transaction and he refused, he said it was the bank and machineís fault and not his problem. There was nothing he could do or would do.

    I called Santander straight away and they said they could do nothing as it was in the processing stage, also that I would have to prove I had not accepted the transaction. I queried this and asked how this is possible to prove unless they are present at the time.

    I will carry on contacting Santander and it may only be for a couple of pounds, however, it is the principle. The Santander advisor also suggested leaving a Tripadvisor review about it.
    Originally posted by atruefaker
    Did you enter your pin?
    If you did you accepted the transaction.
    If not and they processed it anyway you might have had a case.
    If it ever happens again ask the restaurant where the nearest ATM is and go and get cash.
    What goes around - comes around
    give lots and you will always receive lots
    • zagfles
    • By zagfles 24th Sep 17, 1:52 PM
    • 12,495 Posts
    • 10,496 Thanks
    zagfles
    Did you enter your pin?
    If you did you accepted the transaction.
    Originally posted by jonesMUFCforever
    Have you even read this thread and the article in the OP? The currency is converted after entering the PIN. The conversion was not accepted. The PP should get a refund from his bank, there's even a specific chargeback code for it.
    • jonesMUFCforever
    • By jonesMUFCforever 24th Sep 17, 2:35 PM
    • 24,255 Posts
    • 11,537 Thanks
    jonesMUFCforever
    Have you even read this thread and the article in the OP? The currency is converted after entering the PIN. The conversion was not accepted. The PP should get a refund from his bank, there's even a specific chargeback code for it.
    Originally posted by zagfles
    The amount would have shown on the screen?
    What goes around - comes around
    give lots and you will always receive lots
    • atruefaker
    • By atruefaker 24th Sep 17, 2:35 PM
    • 121 Posts
    • 17 Thanks
    atruefaker
    I entered my pin to accept a payment in local currency and not GBP. I have never paid in GBP on my travels so this is not something I would accept.

    The original article has noted that many of these merchants and banks split the commission, which is why they are fraudulently putting through these transactions. Itís dishonest to do to anyone, and then feign that you donít understand, it was someone elseís fault or that the customer didnít tell to pay in the local currency. By reporting it, I hope that it can help others as itís another Ďacceptable wayí to cheat people.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

668Posts Today

5,211Users online

Martin's Twitter
  • Have a lovely weekend folks. Don't do anything (fiscally) that I wouldn't do!

  • RT @thismorning: With his last deals of the year, @MartinSLewis wishes us all a 'very merry Christmas, a happy Hanukkah and a wonderful and?

  • RT @stoneygran: @MartinSLewis I furtively used a pub toilet last night before getting on the bus and felt really guilty!

  • Follow Martin