Banks & ATMs

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Re: Banks & ATMs

Postby altmtl » Sat Dec 31, 2011 4:07 pm

Hi this is my first post...

So in a nutshell I will be arriving from Trat and ending up in Kampot/Kep... I'll have some US$ to start, I read that ATM's dispense US$, so what is the max. withdrawal amount? I saw another post about SBS having no ATM transaction fee? Are there others? I have a TD Canada Trust debit card & will be charged $5 by them regardless. I also have some US TC, but I here the commission is rather high? So what would be the best way to go about this... I'm staying 2 weeks at the most.

Thanks for your help
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Re: Banks & ATMs

Postby Khmeria » Sat Dec 31, 2011 5:46 pm

For Americans, try Charles Schwab.

I pay nothing to use my Atm/Visa card all over the world. They refund all fees foreign banks charge to use ATMs as well.

Obviously not good for local deposits, but unbeatable for an ATM/visa card.
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Re: Banks & ATMs

Postby altmtl » Sat Dec 31, 2011 6:23 pm

That doesn't really answer my questions? - :help: :lol:
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Re: Banks & ATMs

Postby BubbaRamDas » Sun Jan 01, 2012 11:39 am

The amount you can draw each day depends on your bank not the bank here. I can draw more out of my Acledea account here daily than from my overseas account, because of their limit. Most banks here will only accept visa cards, not mastercard, but some do. The fees depend on your bank and the bank you draw it at. They vary a lot. Most will warn you about the charges (Acleda does).
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Re: Banks & ATMs

Postby altmtl » Sun Jan 01, 2012 2:35 pm

My debit card is not visa or mastercard - my bank has a 5$ fee - it is on the PLUS system - I was told in another post that Canadia bank does not charge local fees on international debit cards - In Canada a debit card is not a credit card like elsewhere, they are different.
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Re: Banks & ATMs

Postby Lucky Lucan » Sun Jan 01, 2012 2:44 pm

altmtl wrote: In Canada a debit card is not a credit card like elsewhere, they are different.


A debit card is not a credit card anywhere that I know of.
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Re: Banks & ATMs

Postby cambod » Sun Jan 01, 2012 3:12 pm

In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)
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Re: Banks & ATMs

Postby BillyB » Sun Jan 01, 2012 3:27 pm

cambod wrote:In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)

Amex is normally a Charge card, not a credit card.

:pissed: :pissed: :pissed:
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Re: Banks & ATMs

Postby cambod » Sun Jan 01, 2012 4:47 pm

BillyB wrote:
cambod wrote:In the States I've heard of 3 different types..

Credit card (credit through mastercard, Visa, Amex, Discover, etc)

Debit card (through and connected to your bank account, BUT has a visa/mastercard symbol on it, and can be used like a credit card, like when u sign for it, OR enter the pin and use it like a debit/bank card)

Bank card (through ur bank but NO mastercard/visa symbol and can only be at ATMs that specifically allow withdraws with those types of cards and always for a hefty fee and always requires a pin)

Amex is normally a Charge card, not a credit card.

:pissed: :pissed: :pissed:
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Oops, u're right! They told me I have an unlimited credit line, but I'm sure I couldn't put a million dollar gold bar on it.... I need to cancel that one. I've been paying $125 a year for it but haven't used it in several years...
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Re: Banks & ATMs

Postby BillyB » Sun Jan 01, 2012 5:14 pm

cambod wrote:Oops, u're right! They told me I have an unlimited credit line, but I'm sure I couldn't put a million dollar gold bar on it.... I need to cancel that one. I've been paying $125 a year for it but haven't used it in several years...

I cancelled mine last year.

Amex has excellent international customer service, but like you I had not used the card for years.

My regular airline started charging a premium for using my Amex card rather than my debit card online, and the last time I tried to use it in a hotel the staff asked if I would pay by Visa instead as the hotel pays less charges.

These days I wander around with bundles of currency notes tumbling out of my pockets, "Cash is King" :grin:

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Re: Banks & ATMs

Postby BubbaRamDas » Mon Jan 02, 2012 8:52 am

Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah. 8-)
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Re: Banks & ATMs

Postby barangdave » Mon Jan 02, 2012 3:23 pm

BubbaRamDas wrote:Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah. 8-)


Amex credit cards are quite popular in the UK. I use mine because I get cashback on all my purchases. Not much is offered in the way of other benefits though. The customer service is excellent IMHO.
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Re: Banks & ATMs

Postby cambod » Mon Jan 02, 2012 6:27 pm

barangdave wrote:
BubbaRamDas wrote:Yeah the debit card/credit card thing gets confusing. I have two visa cards from one bank. One is a debit, the other is credit. Look the same. Deceptive shit, that, cause they work so different.

The debit cards that are strictly a bank card, with no affiliation (visa, mc) seem to be dying out. Probably cause they are useless so many places and incur high charges when they do work away from the home bank. So not sure how that works for you in this case.

Amex had an actually credit card years ago, but dropped it. When I was doing corporate travel I had the charge card and the credit card, but trashed the credit card for the much cheaper mastercard. Then, when not using the charge card, it wasn't worth an annual fee either and away it went. Hurrah. 8-)


Amex credit cards are quite popular in the UK. I use mine because I get cashback on all my purchases. Not much is offered in the way of other benefits though. The customer service is excellent IMHO.


I used it up in the States for many reasons, but now it just isn't possible to use it on a regular basis...
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ANZ Royal Bank - a warning

Postby andyinasia » Fri Jan 27, 2012 5:01 pm

I've just tried to open an account with ANZ Royal Bank twice in the last few days. First time I stormed off assuming the asswipe who dealt with me didn't know his ass from his elbow and was giving me the wrong information. Today I returned and insisted on talking to the manager.

So I'm shown their brochure and the printed information states that to open an account you need to deposit $50, and you need to keep a $50 balance to avoid incurring bank charges. Except that in both cases the $50 is lightly scribbled out in blue biro and beneath is written $500.

In other words, to open a personal account you need to deposit and keep $500 in the account. Lots of lovely free interest fro the bank, while they treat personal customers with contempt.

But here's why I'm posting: it reminded me of why I cancelled my ANZ account of 5 years last year in the first place. They had had a policy of keeping a minimum balance of $20 to benefit from free banking, and suddenly they upped the minimum to $50 WITHOUT INFORMING ANYONE. So the first customers knew of the new policy was when they suddenly found charges had been deducted from their accounts.

So my question is, have ANZ done this again? Have they increased their minimum balance from $50 to $500 this month without informing their customers? Those of you who have a personal account with ANZ had better check this PDQ before you find account drained. And when you've done that, if I were you, I'd close the account and find another bank because those conditions are absolutely outrageous.
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Re: Banks & ATMs

Postby Year 0 » Sun Jan 29, 2012 5:22 am

Has anybody managed to get cash out of a PP ATM with a card that has a UnionPay logo?

I recently tried at a Canadia ATM which had the logo as one of the acceptable ones, but had my transaction denied :roll:
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