MSE News: Mystery new debit card charges revealed 16 February 2010 at 6:07PM in Budgeting & Bank Accounts 36 replies 6.4K views

Former_MSE_Guy

This is the discussion thread for the following MSE News Story:

"RBS/Natwest and Clydesdale/Yorkshire bank customers are being hit with fees when using their new plastic ..."

Read the full story:
Mystery new debit card charges revealed

verybigchris

Seems odd that HSBC haven't been affected, given they've made the same changes as the banks that are having the problems

glider3560

verybigchris wrote: »

Seems odd that HSBC haven't been affected, given they've made the same changes as the banks that are having the problems

On overseas transactions made by debit card (i.e. not ATM withdrawals), the only fee is a 2.75% currency conversion. If the payment is in pounds sterling, this charge isn't applied. Other banks (as mentioned in the article), charge a fee each time you use the card abroad.

My Amazon and eBay purchases have been showing as international for a while, but as they are in sterling haven't attracted any fees from HSBC.

davethorp

My natwest visa debit has never had this problem

stclair

The retailers should try reading the members letter properly ;-)

dave54

davethorp wrote: »

My natwest visa debit has never had this problem

i have the same card type, and a paypal tranaction resulted in bank charges as they did not ask my bank for sterling but us dollars instead, when you use paypal the agrement is between paypal and cardholder surley, and therefore you should not incurr charges for a overseas transaction, mine was for a hotfile account, i had previously purchased rapidshare accounts with my maestro debit without any charges from my bank,
natwest refused to refund the charges shiesters

martin2410

My wife received a new Mastercard debit card from Yorkshire bank and has found she cannot pay her Avon account online. Instead she has to pay it at the post office which incurs a 50p charge every time. She never had this problem with the old maestro card. I think this is because Avon does'nt seem to be accepting Mastercard payments. Has anybody else got this problem with Avon?

pbaxter_2

Charges are not the only problem as some cards are declined. For example, Egg credit card holders were unable to make online payments using an RBS card last month, though this problem has since been fixed.

Sorry, but I don't understand this sentance. What's the connection between Egg and RBS? Do RBS manage cards for Egg - how would Egg customers (like me) know?

PaulW922

Egg's online payment system did not recognise RBS Visa debit cards. You would only know when you tried to pay and the transaction was rejected.

The fault with these problems lies with the merchants not the banks. I am a merchant and was advised of the new Debit Mastercard over a year ago. There has been plenty of time to implement the new BIN numbers, which are issued all the time.

Lokolo

martin2410 wrote: »

My wife received a new Mastercard debit card from Yorkshire bank and has found she cannot pay her Avon account online. Instead she has to pay it at the post office which incurs a 50p charge every time. She never had this problem with the old maestro card. I think this is because Avon does'nt seem to be accepting Mastercard payments. Has anybody else got this problem with Avon?

The Post Office should not be charging you as you are not using a CC and I believe thats why they charge when making payments. I would kick up a fuss next time.

(someone correct me if I'm wrong)

Baldur

Lokolo wrote: »

The Post Office should not be charging you.....

The Post Office can charge for payments to other organisations, see http://www.postoffice.co.uk/portal/po/content1?catId=86500737&mediaId=20900329

The method of payment may be irrelevant.

Note: Some bill payments may attract a fee.