We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

curve card and cash withdrawals from debit card

hi all, just wondered if i have a 300 quid a day daily withdrawal limit from hsbc. Could i get a curve card and increase this to 500 for example? 300 direct on hsbc card 200 on basic curve card? does it get around the withdrawal limit or will it say ive already taken 300 out on that bank account?

cheers in advance
«1

Comments

  • No it won’t overrule the underlying cards limit
  • il638
    il638 Posts: 48 Forumite
    cheers for that, saves me wasting my time, ill just keep contacting the bank for temp increases when required. thanks
  • stevenhp1987
    stevenhp1987 Posts: 907 Forumite
    Part of the Furniture
    !!! wrote: »
    No it won’t overrule the underlying cards limit

    That's not completely true.

    It depends on how the underlying card handles it as a cash/purchase transaction.

    I've used it once or twice to go above the underlying card limits with no problem.
  • Terry_Towelling
    Terry_Towelling Posts: 2,279 Forumite
    1,000 Posts Second Anniversary Name Dropper
    Curve claim they are sending the required data through to the underlying card for the issuer to know it is cash but so many people seem to be reporting that cash transactions appear as purchases on their underlying card.
  • il638
    il638 Posts: 48 Forumite
    That's not completely true.

    It depends on how the underlying card handles it as a cash/purchase transaction.

    I've used it once or twice to go above the underlying card limits with no problem.

    do you happen to be with hsbc?
  • badger09
    badger09 Posts: 11,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If you can get your account upgraded to HSBC Advance, that comes with a £500 daily ATM cash withdrawal;)
  • stevenhp1987
    stevenhp1987 Posts: 907 Forumite
    Part of the Furniture
    edited 16 July 2019 at 9:45PM
    il638 wrote: »
    do you happen to be with hsbc?

    No, but as the underlying card is a Debit Card, you've nothing to lose by trying it out as they won't charge you for it nor will you be in breach of any T&C. The worst that can happen is the ATM says no.

    Why do you need to withdraw so much cash in one go anyways?
  • OP asked about cash withdrawals.

    Not cash transactions.
  • stevenhp1987
    stevenhp1987 Posts: 907 Forumite
    Part of the Furniture
    !!! wrote: »
    OP asked about cash withdrawals.

    Not cash transactions.

    And all the discussion has been on that basis unless I'm missing something?!?
  • And all the discussion has been on that basis unless I'm missing something?!?

    No - people (yourself included) used the terms "cash transactions", not "cash withdrawal".

    They are 2 different things.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601.1K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.