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Banco Santander Spain - Non-Resident Account (EUR)
Comments
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Does the virtual debit card work for ATM cash withdrawals?
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Santander ATMs in Spain have a contactless pad as part of the machine to do just that, so if the technology exists I guess it might be possible with other ATMs throughout Europe too.
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"merchants in the Euro zone (especially Spain) use DCC fiercely"? How's that?
Those charges are optional and you always have option to pay in local currency, it's EU law.
https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A02021R1230-20240408
DCC is ALWAYS optional.
"while cash machines have high charges for non-EU cards".
Another misinformed statement. All EU high st bank ATM dont charge foreign cards for Euro withdrawals.
However, they will try DCC, but you can refuse it. Even though, you have to do it twice for single transaction.
I have been using UK CC's and debit cards in Eurozone for decades, but never had to pay a penny for privilege. Only in last few years, DCC has become more pushy, even by supermarkets, but you can always refuse DCC.
Even if you get tricked into DCC by merchant, you can dispute that with CC and get refund.0 -
Yes really. Your sentence is contradictory and muddy.
How can ""charge free" cards levying fees", then you say "not charged by the CC company" !!!0 -
The UK is outside the EU/EEA and there are limited protections for 'third country' individuals. Even when the protection may apply, none of the UK's legal systems are now within the EU/EEA so you'd realistically have to enforce via a local court within the EU/EEA.
You can chargeback for DCC but what will usually happen is the UK card issuer will credit the difference as a goodwill gesture so they don't have spend time on the chargeback. The merchant in Spain or wherever will be none the wiser.
As for ATMs, direct local charges at machines are called surcharging and have zero to do with your card issuer unless they also operate the ATM.
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While the law says those charges (for DCC) are optional, what happens in practice is rather different.
Most ATMs in Spain will, of course, offer DCC. If you refuse it you are then informed of a fairly hefty fee for your Euro cash withdrawal. This procedure is legal since we (UK) are outside the EU.0 -
OK, so you are not using information is same context.
Surcharge is legally allowed in: Denmark, Norway, Finland, Germany and Switzerland (Nets Legal, '22).
Its CC surcharge, nothing to do with UK or non-UK CC, ANY card will occur surcharge at this merchant.
You cant just make up facts, just to suits your thinking.
This was not ATM transaction.0 -
Absolute nonsense.
House of Lords (and Court of Appeal) in 2007 ruled that Section 75 covers transactions ANYWHERE on this planet.
https://www.choose.co.uk/news/section-75-applies-abroad-new-rules.html
https://www.knowyourrightsuk.com/consumer/section-75
As for ATM charges, that is govern by EU law, which clearly state that currency choice is optional, customer can accept or reject conversion offer.
You are confusing it with ATM surcharge, which also exist in UK, for private ATM. They will charge ANY card.0 -
On what basis do you believe that S75 relates to surcharges?
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