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  • FIRST POST
    • greyteam1959
    • By greyteam1959 18th Oct 19, 11:40 AM
    • 2,744Posts
    • 1,305Thanks
    greyteam1959
    Transferwise Debit Card
    • #1
    • 18th Oct 19, 11:40 AM
    Transferwise Debit Card 18th Oct 19 at 11:40 AM
    I have a Transferwise Mastercard debit card.
    I have loaded it with euro's in the UK.
    I have tried to withdraw euro's from the card in Spain & every ATM that I have been to has tried to charge me a fee to withdraw euro's.
    I have pressed the 'Without Conversion' message on all the ATM screens when asked.
    Anybody know why I cant get euros without charge ??
    Am I missing something somewhere ??
Page 1
    • DesG
    • By DesG 18th Oct 19, 12:13 PM
    • 1,260 Posts
    • 453 Thanks
    DesG
    • #2
    • 18th Oct 19, 12:13 PM
    • #2
    • 18th Oct 19, 12:13 PM
    Keep trying different banks, most now charge an off network withdrawal fee.


    I think there was a thread on here with lists of some that still do not charge.
    • JuicyJesus
    • By JuicyJesus 18th Oct 19, 12:43 PM
    • 3,664 Posts
    • 4,172 Thanks
    JuicyJesus
    • #3
    • 18th Oct 19, 12:43 PM
    • #3
    • 18th Oct 19, 12:43 PM
    Yeah, it's only at TransferWise's end that they don't charge you. Individual ATM owners still can.

    It's the same as if you went to a charging ATM here to withdraw sterling, they wouldn't - can't, even - waive that charge.
    urs sinserly,
    ~~joosy jeezus~~
    • greyteam1959
    • By greyteam1959 18th Oct 19, 2:42 PM
    • 2,744 Posts
    • 1,305 Thanks
    greyteam1959
    • #4
    • 18th Oct 19, 2:42 PM
    • #4
    • 18th Oct 19, 2:42 PM
    I have tried 6 banks & they all charge.
    • JuicyJesus
    • By JuicyJesus 18th Oct 19, 3:52 PM
    • 3,664 Posts
    • 4,172 Thanks
    JuicyJesus
    • #5
    • 18th Oct 19, 3:52 PM
    • #5
    • 18th Oct 19, 3:52 PM
    I have tried 6 banks & they all charge.
    Originally posted by greyteam1959
    Yep, because it's a charge levied by the ATM owner not by your bank, who may themselves separately charge.

    As DesG says you have to either pay the ATM owner's fee or hunt for a fee-free one.
    urs sinserly,
    ~~joosy jeezus~~
    • pavane
    • By pavane 19th Oct 19, 3:45 PM
    • 146 Posts
    • 51 Thanks
    pavane
    • #6
    • 19th Oct 19, 3:45 PM
    • #6
    • 19th Oct 19, 3:45 PM
    Try Santander. When I had similar issue their machines worked for me.
    • greyteam1959
    • By greyteam1959 20th Oct 19, 12:16 PM
    • 2,744 Posts
    • 1,305 Thanks
    greyteam1959
    • #7
    • 20th Oct 19, 12:16 PM
    • #7
    • 20th Oct 19, 12:16 PM
    Try Santander. When I had similar issue their machines worked for me.
    Originally posted by pavane
    Nope Santander ATM tried to charge me 5 euro to withdraw 20 euro !!
    • TOP CAT
    • By TOP CAT 20th Oct 19, 12:28 PM
    • 102 Posts
    • 14 Thanks
    TOP CAT
    • #8
    • 20th Oct 19, 12:28 PM
    • #8
    • 20th Oct 19, 12:28 PM
    In the not so recent past Spain was always bad for ATM withdrawals better to change up cash .
    • JohnMl88
    • By JohnMl88 20th Oct 19, 12:35 PM
    • 66 Posts
    • 21 Thanks
    JohnMl88
    • #9
    • 20th Oct 19, 12:35 PM
    • #9
    • 20th Oct 19, 12:35 PM
    La Caixa, Banka March, Liberbank
    • greyteam1959
    • By greyteam1959 20th Oct 19, 1:42 PM
    • 2,744 Posts
    • 1,305 Thanks
    greyteam1959
    La Caixa, Banka March, Liberbank
    Originally posted by JohnMl88
    No Banka March or Liberbank near me.
    La Caixa bank is about the only one I have not tried.
    I have a La Caixa ATM near me so will give it a try.
    • sausage_time
    • By sausage_time 20th Oct 19, 7:23 PM
    • 232 Posts
    • 78 Thanks
    sausage_time
    In Spain I just try to pay by card everywhere to avoid the ATM fees. Just be ready for the DCC question!
    • Heng Leng
    • By Heng Leng 21st Oct 19, 12:04 AM
    • 4,888 Posts
    • 1,606 Thanks
    Heng Leng
    In Spain I just try to pay by card everywhere to avoid the ATM fees. Just be ready for the DCC question!
    Originally posted by sausage_time
    I just avoid Spain altogether and no Spanish ATM fees
    • realaledrinker
    • By realaledrinker 21st Oct 19, 12:34 AM
    • 1,623 Posts
    • 567 Thanks
    realaledrinker
    Yes resigned myself to this. Just use card payments whenever possible in € and withdraw €200 or so if you need cash. Just avoid Santander!
    Ethical moneysaver
    • greyteam1959
    • By greyteam1959 21st Oct 19, 9:31 AM
    • 2,744 Posts
    • 1,305 Thanks
    greyteam1959
    No Banka March or Liberbank near me.
    La Caixa bank is about the only one I have not tried.
    I have a La Caixa ATM near me so will give it a try.
    Originally posted by greyteam1959
    Just tried La Caixa & they also charge.
    • TOP CAT
    • By TOP CAT 21st Oct 19, 10:42 AM
    • 102 Posts
    • 14 Thanks
    TOP CAT
    https://www.caminodesantiago.me/community/threads/collecting-a-list-of-cash-machine-atm-fees-in-spain.60486/
    • dggar
    • By dggar 21st Oct 19, 3:05 PM
    • 593 Posts
    • 285 Thanks
    dggar
    Interesting link, well worth a read
    • beardocuba
    • By beardocuba 22nd Oct 19, 12:50 AM
    • 2 Posts
    • 0 Thanks
    beardocuba
    I have a card on bunq - in Spain, I recently used Unicaja and Caixa Geral (which is not the same as Caixabank/La Caixa) with no fee or one (I forget which) which said that there would be a small charge, which was not passed on.
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