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    • Mark Nield
    • By Mark Nield 2nd Aug 18, 10:19 AM
    • 1 Posts
    • 0 Thanks
    Mark Nield
    Hi, JUST WONDERING IF ANYONE HAS EXPERIENCED THIS PROBLEM.
    Ive recently had a few issues whilst visiting Croatia, I tried withdrawing Croatian Kuna using my MONZO & STARLING cards at the cash machine in POREC, and the cash machine asked me if I wanted to accept its own exchange rate rather than giving me the Mastercard exchange rate that my card providers give me, I selected the no option, and was then presented with two more options.
    Do I wish to accept the exchange rate offered, and do I accept that I may get a refund of the difference at a later date, however this cannot be guaranteed -
    1. Yes
    2. No
    I selected option 2. No, and my card was returned.
    I tried a different cash point the next day but this time was given only the first two options to exept the exchange rate offered or no, and this time when I again selected no, I was given the cash, and when I checked on my Starling App, I found I had been charged at the proper Mastercard rate.
    Now I asked both Starling & Monzo about this problem, but they just said they had never heard of this, and Starling also sugested that I it was my fault as I needed to withdraw in local currency, ( Hmm - what else did they expect me to be withdrawing in Croatia).
    • richardw
    • By richardw 2nd Aug 18, 10:32 AM
    • 18,716 Posts
    • 7,836 Thanks
    richardw
    Try a different ATM is the answer, you did, and got the correct rate. Some banks just do things differently, sometimes I think it may be the translation to English. MasterCard may have no control over these oddities.
    Posts are not advice and must not be relied upon.
    • montyb41
    • By montyb41 6th Aug 18, 1:50 PM
    • 10 Posts
    • 1 Thanks
    montyb41
    Travel Money Comparison tool - Debenhams Travel money
    Hi,
    I am looking to get some euros for hols next week, I've checked the travel money comparison tool & found Debenhams are a pretty good rate at the moment, so I clicked on the link to take me to their site.
    When I got to the site it has a banner that says "MoneySavingExpert.com
    FREE 5 voucher* and special exchange rate for MoneySavingExpert.com customers."

    There is an explanation for the 5 voucher, but nothing about the "special rate". I checked the rate on the page in their own currency converter & then went to their site direct on another browser (no MSE banner), ran the converter & the rates were the same!
    It would seem there isn't a "special rate for MSE customers"

    I called their customer services & the operator (from the money dept) said they do not have a special offer on with MSE at the moment, only the 5 voucher, the only special rate is if you are a Dedenhams Card Holders.

    Has anyone else had this experience or can someone at MSE look into it please?

    Regards
    • eDicky
    • By eDicky 6th Aug 18, 2:14 PM
    • 3,707 Posts
    • 1,856 Thanks
    eDicky
    Has anyone else had this experience or can someone at MSE look into it please?
    Originally posted by montyb41
    These days we mostly just take cash euros from an ATM, or spend directly, at the ideal MasterCard or interbank rates with no fees using cards such as Starling Bank, Metro Bank, Revolut, Loot.io instead of the hassle and expense of buying cash, even with such 'special' offers - see the MSE articles for info.
    • montyb41
    • By montyb41 6th Aug 18, 2:41 PM
    • 10 Posts
    • 1 Thanks
    montyb41
    eDicky,
    Yep, I know all thaty & have set up a Starling Account & have a Prepaid card, but the missus always likes us to take cash.
    We've had problems in previous years with cards - UK debit card not accepted at Pay at Pump station (very, very low on petrol at the time) & another time with the Prepaid card where it seemed to start a transaction for fuel but wouldn't allow us to fill up & complete the transaction, we then kept finding the card wouldn't work - turned out ALL the funds on the card had been 'reserved' for the transaction & it took a week to be unreserved!

    I think the article says take several options with you & I've read on the forums people always saying wise to have backup.
    So cash is what the Missus wants, cash is what she'll get :-).

    So really I'm after a response from someone from MSE, why they have a banner on Debenhams money site offering a special rate, but Debenhams don't seem to know about it.
    cheers
    • eDicky
    • By eDicky 6th Aug 18, 2:50 PM
    • 3,707 Posts
    • 1,856 Thanks
    eDicky
    .
    So cash is what the Missus wants, cash is what she'll get
    Originally posted by montyb41
    Ok fine, but why not take it from an ATM with your Starling card..?
    • montyb41
    • By montyb41 6th Aug 18, 3:15 PM
    • 10 Posts
    • 1 Thanks
    montyb41
    Ok fine, but why not take it from an ATM with your Starling card..?
    Originally posted by eDicky
    Even Starling say you may be charged a fee by the ATM for the transaction! So why would I want to pay extra for money I can get fee free here.
    We are free to do what we want to do with cash & cards...you're happy with how you do it, we're happy with taking cash & cards.

    I'm not after a discussion on what method you or others might or might not follow, BUT an answer to the question about Debenhams rate, .
    thanks.
    Last edited by montyb41; 06-08-2018 at 3:25 PM.
    • EveryWhere
    • By EveryWhere 6th Aug 18, 4:09 PM
    • 631 Posts
    • 294 Thanks
    EveryWhere
    Even Starling say you may be charged a fee by the ATM for the transaction! So why would I want to pay extra for money I can get fee free here.
    We are free to do what we want to do with cash & cards...you're happy with how you do it, we're happy with taking cash & cards.

    I'm not after a discussion on what method you or others might or might not follow, BUT an answer to the question about Debenhams rate, .
    thanks.
    Originally posted by montyb41
    If you don't want to discuss better methods, then you should write directly to the MSE team and not bother forum members. Forum members are not responsible for the link.

    In general European ATM don't charge for taking cash. Starling have to state that the ATM can charge, because when an ATM does charge they blame Starling,
    • montyb41
    • By montyb41 7th Aug 18, 7:15 PM
    • 10 Posts
    • 1 Thanks
    montyb41
    If you don't want to discuss better methods, then you should write directly to the MSE team and not bother forum members. Forum members are not responsible for the link.

    In general European ATM don't charge for taking cash. Starling have to state that the ATM can charge, because when an ATM does charge they blame Starling,
    Originally posted by EveryWhere

    Sorry, I was of the view that MSE staff read the forum as well, plus if you read my 1st entry, I asked if other members had similar experience.

    I would ask MSE staff directly, if I could find an email address for MSE that didn't say "we don't reply to emails sent to this inbox."

    "better methods" - excuse me, BUT you do not know where we are going or what are our circumstances! We may be travelling to somewhere very rural where there aren't ATMs on every corner or a bank/bureau de change within a short drive, maybe we're staying somewhere where its easier to use cash than a card (card payment machines require an internet connection)! So while cards like a Starling account can/may be a good option in most circumstances, they are not always "better"!
    • EveryWhere
    • By EveryWhere 7th Aug 18, 11:02 PM
    • 631 Posts
    • 294 Thanks
    EveryWhere
    Sorry, I was of the view that MSE staff read the forum as well, plus if you read my 1st entry, I asked if other members had similar experience.

    I would ask MSE staff directly, if I could find an email address for MSE that didn't say "we don't reply to emails sent to this inbox."

    "better methods" - excuse me, BUT you do not know where we are going or what are our circumstances! We may be travelling to somewhere very rural where there aren't ATMs on every corner or a bank/bureau de change within a short drive, maybe we're staying somewhere where its easier to use cash than a card (card payment machines require an internet connection)! So while cards like a Starling account can/may be a good option in most circumstances, they are not always "better"!
    Originally posted by montyb41
    I won't be excusing you. It doesn't matter where you are going as there will be ATM at any airport at which you arrive. So take cash out there for those times when you need cash in your 'rural location'.
    Some people just like to be difficult. You refuse to listen and just want to do what you want to do. Not caring about who you annoy.
    First you complain that Starling states that an ATM can charge you, "so why would you pay a fee when you can get money fee free" and now you state that you might be staying in a rural area with no ATMs.
    Well my friend, the rate that you will get from Debenhams or anywhere else in the UK(apart from certain ATMs) will not be fee-free. In addition, no one has stated that you will be charged by the ATM.

    Much ado about nothing. If you don't like the rate you are offered. Find another or do without.

    The MSE team don't read every thread. What are you thinking?. There are hundreds of them every day and ten of thousands of posts.
    Find another way to write to the MSE team. But it will be a waste of time and energy.
    My opinion? Don't waste your time and energy nor anyone else's. If you want to make your wife happy, what does it matter what rate you get? Just get them from wherever if it means that much.You are likely talking about pennies if it just to have cash in hand on arrival.
    If you are passing through Gatwick, you can take Euros from an ATM there.
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