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Restaurant did wrong currency - extra charge
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ForumUser7
Posts: 2,462 Forumite
in Credit cards
We wanted to pay in €s and told the waitress this. When we tapped the Barclaycard on Apple Pay, €s was displayed. The waitress then pressed 2 for €s, but then 1 for accept conversion in error instead of 2 for reject conversion (to pounds). The end result is that we have had a bank fee applied to the receipt and nothing can be done by the restaurant. Unsure what to do in this situation, so any help would be appreciated please. Thank you
If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.
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Comments
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I have a Curve card which has the fantastic feature to go back in time and choose a different card so I did this one time I was charged for a foreign cash withdrawal.
Other than that I'm not sure that anything can be done in this instance, just double check from now on.1 -
How much is the Bank fee for?
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Always check what you are agreeing to. Before pressing any buttons.ForumUser7 said:` The end result is that we have had a bank fee applied to the receipt and nothing can be done by the restaurant.
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If I read correctly it was the waitress that pressed the wrong button.Hoenir said:
Always check what you are agreeing to. Before pressing any buttons.ForumUser7 said:` The end result is that we have had a bank fee applied to the receipt and nothing can be done by the restaurant.
I’m a Forum Ambassador and I support the Forum Team on the Credit Cards, Savings & investments, and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.1 -
Starling seem somewhat sympathetic....
https://help.starlingbank.com/personal/topics/card-payment-disputes/i-made-a-purchase-abroad-and-ive-been-charged-an-incorrect-exchange-rate-what-can-i-do/
Have you asked your bank @ForumUser7?I’m a Forum Ambassador and I support the Forum Team on the Credit Cards, Savings & investments, and Budgeting & Bank Accounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
Curve seems good for this kind of thing - unfortunately don’t have it though. Problem is the waitress gave us the reader, we asked for euros it showed euros, we tapped the card, then she took the reader, and then it popped up asking re euros or pounds and she accidentally did the wrong thing somehowThanks all for your helppramsay13 said:I have a Curve card which has the fantastic feature to go back in time and choose a different card so I did this one time I was charged for a foreign cash withdrawal.
Other than that I'm not sure that anything can be done in this instance, just double check from now on.
I’m not sure of the amount - it was a relative that had this happen so I haven’t seen the receipt but they weren’t happy about it. Just trying to find out what to do and then help them sort it.531063 said:How much is the Bank fee for?Hoenir said:
Always check what you are agreeing to. Before pressing any buttons.ForumUser7 said:` The end result is that we have had a bank fee applied to the receipt and nothing can be done by the restaurant.
@sausage_time is correct - the waitress did it after we had already done the Apple Pay in euros. It seems to be the case over here that the conversion option pops up after you have already authorised/agreed/pressed buttons, so the only way to ensure the wrong thing isn’t done in error is to keep hold of the card machine until we get the receipt and press any buttons ourselves.sausage_time said:
If I read correctly it was the waitress that pressed the wrong button.Hoenir said:
Always check what you are agreeing to. Before pressing any buttons.ForumUser7 said:` The end result is that we have had a bank fee applied to the receipt and nothing can be done by the restaurant.
I’ve told the relative to contact the bank - hopefully they’ll help. Wasn’t sure if they ‘had’ to though. With it being a credit card, wasn’t sure if it was covered under any legislation - as technically it was a charge we did not agree to. Tried to get them on Starling - they prefer the high street banks though unfortunately.sausage_time said:Starling seem somewhat sympathetic....
https://help.starlingbank.com/personal/topics/card-payment-disputes/i-made-a-purchase-abroad-and-ive-been-charged-an-incorrect-exchange-rate-what-can-i-do/
Have you asked your bank @ForumUser7?If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
As the transaction happened abroad. UK legislation wouldn't be applicable.1
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See my thread about DCC (Dynamic Currency Conversion).
First check the transaction slip: if it says that you were offered the choice and chose to pay in pounds then there is nothing you can do.
Incidentally this was not a mistake but what restaurants in Spain do as standard: they get part of the extra charge and the staff know this and simply ignore requests by tourists to pay in Euro.
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If the card was issued in the UK, and the agreement made according to UK law, surely UK law appliesHoenir said:As the transaction happened abroad. UK legislation wouldn't be applicable.I consider myself to be a male feminist. Is that allowed?1 -
A good reminder to always pay in local currency.
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