Debit Card Service Charge

DCFC79

hardpowered wrote: »

Yeah, this does seem right. Bit unfair though really.

And dzug1 - I don't use any gambling sites.

I don't know how to use the multi-quote feature so I'm making a lot of posts. :P Sorry!

for multi quotes you use the symbol with the 2 speech bubbles next to quote

ive not bought naythimng from abroad yet on my rbs or natwest card

hardpowered

DCFC79 wrote: »

for multi quotes you use the symbol with the 2 speech bubbles next to quote

ive not bought naythimng from abroad yet on my rbs or natwest card

Yeah, but then what do I do? :P

DCFC79

hardpowered wrote: »

Yeah, but then what do I do? :P

sorry forgot to tell you what to do

to multi quote you click the "2 speech bubbles" 2 or more times(dependant on how many you want to quote) then you click quote

hardpowered

DCFC79 wrote: »

sorry forgot to tell you what to do

to multi quote you click the "2 speech bubbles" 2 or more times(dependant on how many you want to quote) then you click quote

Ahh, simples! ;D

Thanks!

Toe-Jam

hardpowered wrote: »

Hmm, thanks Joe-Jam.

Is this the same for ALL banks?

Different banks have different charges, some do some dont. But in your case you are being charged because the payment is either being processed outside the UK, or in anouther currency.

Its the same if you juse the ATM abroad the 1.50 will be there also, along with other charges.

You could try getting a prepaid card for using on the internet The o2 money card is free for example, you just top it up with your visa electron.

the charge is 2.75% for a foreign transaction which is cheaper than your halifax card.

[Deleted User]

Norwich and Peterborough and Metro Bank free no fee
HSBC 2.75% i believe nationwide also has this fee only also

Plxply

I purchase on my HSBC Visa card regularly in US dollars and I'm never charged any percentage. In fact I often get a better exchange rate from HSBC than Paypal.

Baldur

Plxply wrote: »

I purchase on my HSBC Visa card regularly in US dollars and I'm never charged any percentage.

That doesn't tally with HSBC's own debit card fees & charges info HERE

In fact I often get a better exchange rate from HSBC than Paypal.

Which suggests that Paypal may have a higher ERA than HSBC's 2.75%.

dzug1

Plxply wrote: »

I purchase on my HSBC Visa card regularly in US dollars and I'm never charged any percentage. In fact I often get a better exchange rate from HSBC than Paypal.

You are being charged by HSBC - you just don't know it because it's buried in the exchange rate and not listed separately

Plxply

dzug1 wrote: »

You are being charged by HSBC - you just don't know it because it's buried in the exchange rate and not listed separately

Strangely I still get it cheaper than if I were to use Paypal's currency conversion. Although not often much (10p - £1) I'm surprised I get charged at all, so either HSBC gives an extremely good exchange rate with charges or Paypal gives a horrible exchange rate.