Using Santander Visa abroad and getting charges from ATM

Soixante

Hi

Can some one tell me if using my visa card in Spain (Santaber ATM)i should be incurring mark up charges and getting lower exchange rates than i get in The UK.Its all baffling to me why im getting charges for using my own bank.

Thank you

[Deleted User]

Yes, you should be getting fees, as per Santander's terms.

chattychappy

Consider a Santander Zero credit card....

Abbey1991

consider Metro bank

eDicky

Do the terms for your card include fee-free withdrawals from Spanish Santander ATMs?

If so, are you being offered an exchange rate for pounds when you use those ATMs? If so, you have to refuse the option, selecting 'Without Conversion' (or similar), so that your card converts without fees.

Soixante

Thanks for the replies.I suppose i should of looked through the small print.I just expected that i would not incur any fees for using my own bank.I expect all ATM are the same or worse then.Never heard of the zero credit card ill look into it.When withdrawing i get the option for GB pound or Euro I just pressumed as the currency here is the Euro i had to use that option So i choose GB Pound then to clarify?But ill still incur the 2.5 percent markup ,i think thats what it said.

Thank you

Soixante

Whats the daily withdraeal on the zero credit?I can only withdraw a max of 300 euro a day on my card

WAYT

Soixante wrote: »

Thanks for the replies.I suppose i should of looked through the small print.I just expected that i would not incur any fees for using my own bank.I expect all ATM are the same or worse then.Never heard of the zero credit card ill look into it.When withdrawing i get the option for GB pound or Euro I just pressumed as the currency here is the Euro i had to use that option So i choose GB Pound then to clarify?But ill still incur the 2.5 percent markup ,i think thats what it said.

Thank you

As aforementioned, you need to choose "without conversion". Some systems will word it specifically to confuse you, in order to accept their conversion.

eskbanker

Soixante wrote: »

Its all baffling to me why im getting charges for using my own bank

Soixante wrote: »

I just expected that i would not incur any fees for using my own bank

Soixante wrote: »

I can only withdraw a max of 300 euro a day on my card

Just to be clear here, when you say "Santander Visa card", is this a credit card, or a debit card linked to your current account?

System

It's not your bank - it's another bank in the Santander Group.

Assuming it's a Visa debit card & you deposit £500 +, select Euros and you should get cash commission free.

RADDERS

You can use your Santander Debit card at any Santander branch in Spain free of charge, I used mine regularly earlier this year and there were no charges.