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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
    • 18,808 Posts
    • 7,896 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
    • 4,016 Posts
    • 2,150 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
    • 4,016 Posts
    • 2,150 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
    • 1,037 Posts
    • 497 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
    • 1,037 Posts
    • 497 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.
    • wallofbeans
    • By wallofbeans 21st Aug 18, 12:59 PM
    • 978 Posts
    • 41 Thanks
    wallofbeans
    Hello all,

    I'm travelling to Spain this weekend for a week and just trying to sort out what best to do for money. I have a solid credit rating so should be able to get a Metro Bank account to use while there.

    But I've now realised that I need a credit card too (for car hire) and Metro Bank is the only option for getting one fast so I'll probably do that.

    If I have a Metro Bank credit card, do I need the bank account too? Or would it be just as good to use the credit card for a week and then just pay it off as soon as I get back?

    Thanks!
    • murphydavid
    • By murphydavid 21st Aug 18, 2:07 PM
    • 609 Posts
    • 137 Thanks
    murphydavid
    Hello all,

    I'm travelling to Spain this weekend for a week and just trying to sort out what best to do for money. I have a solid credit rating so should be able to get a Metro Bank account to use while there.

    But I've now realised that I need a credit card too (for car hire) and Metro Bank is the only option for getting one fast so I'll probably do that.

    If I have a Metro Bank credit card, do I need the bank account too? Or would it be just as good to use the credit card for a week and then just pay it off as soon as I get back?

    Thanks!
    Originally posted by wallofbeans
    I think No to using a metro credit card overseas.
    Re MSE guide The metro card recommended for overseas spending is their Debit card not their Credit card.
    As you say you will probably need a credit card for car hire but if you reserve your car on the Internet before you go (which is probably the cheapest way to get a good deal anyway) you should be able to pay the hire fee up front in which case the credit card you present at the hire desk will only be held as their security and will not be charged unless you do uninsured damage to the car. So you can probably pay for all car hire with your UK money.
    PS I would suggest you apply for an overseas spend credit card (clarity card) well in time for your next trip[.
    • wallofbeans
    • By wallofbeans 21st Aug 18, 2:11 PM
    • 978 Posts
    • 41 Thanks
    wallofbeans
    I think No to using a metro credit card overseas.
    Re MSE guide The metro card recommended for overseas spending is their Debit card not their Credit card.
    As you say you will probably need a credit card for car hire but if you reserve your car on the Internet before you go (which is probably the cheapest way to get a good deal anyway) you should be able to pay the hire fee up front in which case the credit card you present at the hire desk will only be held as their security and will not be charged unless you do uninsured damage to the car. So you can probably pay for all car hire with your UK money.
    PS I would suggest you apply for an overseas spend credit card (clarity card) well in time for your next trip[.
    Originally posted by murphydavid
    I'm already on it for the Clarity Card! I thought not having a credit card was a good thing, oh well...

    I'm told that some car hire companies charge a large excess and take that upfront from the credit card, refunding it when you return the car...
    • murphydavid
    • By murphydavid 21st Aug 18, 2:19 PM
    • 609 Posts
    • 137 Thanks
    murphydavid
    I'm already on it for the Clarity Card! I thought not having a credit card was a good thing, oh well...

    I'm told that some car hire companies charge a large excess and take that upfront from the credit card, refunding it when you return the car...
    Originally posted by wallofbeans
    In my experience they reserve (not charge) a large excess to make sure you are good for it and can't cancel out then they cancel the reservation so it does not appear as a transaction or incur a fee. Mind you some car hire companies have been in the news (bad not good) so make sure you check the car they give you and register all existing blemishes in writing (they usually have a form for this) before you drive it.
    Also see this especially points 5 and 6
    https://www.moneysavingexpert.com/travel/cheap-car-hire/
    Last edited by murphydavid; 21-08-2018 at 2:36 PM. Reason: addition
    • londoninvestor
    • By londoninvestor 21st Aug 18, 9:36 PM
    • 494 Posts
    • 407 Thanks
    londoninvestor
    I think No to using a metro credit card overseas.
    Re MSE guide The metro card recommended for overseas spending is their Debit card not their Credit card.
    Originally posted by murphydavid
    The Metro credit card is a fine option in Spain, as it has no transaction fees or FX load in Europe - you get the Mastercard rate.

    Other cards (like Clarity) are still worth pursuing, because they give you this worldwide and not just in Europe.
    • EveryWhere
    • By EveryWhere 21st Aug 18, 10:34 PM
    • 1,037 Posts
    • 497 Thanks
    EveryWhere
    Hello all,

    I'm travelling to Spain this weekend for a week and just trying to sort out what best to do for money. I have a solid credit rating so should be able to get a Metro Bank account to use while there.

    But I've now realised that I need a credit card too (for car hire) and Metro Bank is the only option for getting one fast so I'll probably do that.

    If I have a Metro Bank credit card, do I need the bank account too? Or would it be just as good to use the credit card for a week and then just pay it off as soon as I get back?

    Thanks!
    Originally posted by wallofbeans
    Whilst Metro Bank will issue a debit card on the spot, they may wish to establish a banking relationship before issuing a credit card. So don't depend on getting a credit card at such short notice.
    Look to car hire options that don't require a credit card, just in case.
    • OceanSound
    • By OceanSound 22nd Aug 18, 8:02 AM
    • 506 Posts
    • 93 Thanks
    OceanSound
    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.
    Originally posted by richardw
    I recently withdrew cash using clarity card from ATM in vietnam. ATM didn't tell me there was a fee (or offer me choice to cancel transaction). Later I found that they had added 50,000 VND per transaction for withdrawing 2 x 2,000,000 VND.

    I checked the mastercard website and it says this:
    Q: What is the fee for withdrawing money or taking a cash advance from an ATM?
    A: Mastercard does not determine ATM fees. Any fees charged by the ATM owner are disclosed at the time the transaction is initiated. At that time, you are given the option to discontinue the transaction if you do not wish to pay the fees....
    Remember same thing happened in Laos a few years back and I contacted Mastercard, didn't hear back from them.

    Probably need to contact the card issuer (Halifax), right?
    • murphydavid
    • By murphydavid 22nd Aug 18, 11:47 AM
    • 609 Posts
    • 137 Thanks
    murphydavid
    =OceanSound
    Remember same thing happened in Laos a few years back and I contacted Mastercard, didn't hear back from them.

    Probably need to contact the card issuer (Halifax), right?
    Yes and if unresolved (as you could have on the previous occasion if the amount was worth the effort) http://www.financial-ombudsman.org.uk/default.htm

    However you may have difficulty persuading the other parties of the accuracy of your experience. Did the ATM have an English language version of the instructions. Did it ask you something to the effect: Do you want the ATM bank to do the currency conversion and did you say NO.
    Last edited by murphydavid; 22-08-2018 at 11:50 AM.
    • OceanSound
    • By OceanSound 22nd Aug 18, 12:26 PM
    • 506 Posts
    • 93 Thanks
    OceanSound
    ...However you may have difficulty persuading the other parties of the accuracy of your experience. Did the ATM have an English language version of the instructions. Did it ask you something to the effect: Do you want the ATM bank to do the currency conversion and did you say NO.
    Originally posted by murphydavid
    Yes to the 1st question. See below:

    2nd question: Did I choose 'allow ATM bank to do currency conversion'?
    There was no such option. Actually, I've not seen such an option on any of the many ATM's I've used in Vietnam. Perhaps someone on here can confirm/rebut my experience with their experience.
    • EveryWhere
    • By EveryWhere 22nd Aug 18, 2:27 PM
    • 1,037 Posts
    • 497 Thanks
    EveryWhere
    I recently withdrew cash using clarity card from ATM in vietnam. ATM didn't tell me there was a fee (or offer me choice to cancel transaction). Later I found that they had added 50,000 VND per transaction for withdrawing 2 x 2,000,000 VND.

    I checked the mastercard website and it says this:

    Remember same thing happened in Laos a few years back and I contacted Mastercard, didn't hear back from them.

    Probably need to contact the card issuer (Halifax), right?
    Originally posted by OceanSound
    You might be able to convince the 'Halifax Bank' of the veracity of your claim, but I have been to Vietnam quite a few times and they always state the fee (if there is one and there more than often is) on the screen beforehand.
    Secondly, even if you attempt to convince someone that it wasn't displayed on the screen, it would have been displayed on the receipt after the first transaction.
    So you would have known before you attempted the second transaction.

    In this case you appear to have been rather unfortunate. To find an ATM that not only didn't inform you of the fee on screen beforehand but also not on the receipt.

    If you can furnish the receipts to Halifax Bank, I am sure they will entertain your claim. Without such evidence, you can only expect goodwill.

    ATM fees in Vietnam are clearly displayed before you agree to the transaction.

    One reason why I know this is because I made a point of searching out no fee providers whilst I was there. They are few and far between and they can also change between visits. But always displayed on the screen if they charge and always displayed on the receipt even if they don't charge.
    Which bank's ATM did you use and in which city??
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