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Friday Useless Thread : At The Cash Machine  
User currently offlineAirboeing From France, joined Apr 2005, 223 posts, RR: 4
Posted (5 years 3 months 4 days 15 hours ago) and read 2470 times:

Hello

I was just verifying my last bank statement and I realized that I always withdraw the same amount from the cash machines when it is for having money available : 60 euros.
This can vary when it is for a specific purpose, but when there is no peculiar purchase foreseen, 60 euros is the amount that I take.

What about you ?


Some times my English is purely fonatiks...
43 replies: All unread, showing first 25:
 
User currently offlineManuCH From Switzerland, joined Jun 2005, 3012 posts, RR: 46
Reply 1, posted (5 years 3 months 4 days 15 hours ago) and read 2465 times:
AIRLINERS.NET CREW
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Talk about a useless thread  Smile

Yes, it's always the same for me as well: 200 CHF, in mixed sizes (1 x 100 + 5 x 20).



Never trust a statistic you didn't fake yourself
User currently offlineAndz From South Africa, joined Feb 2004, 8471 posts, RR: 10
Reply 2, posted (5 years 3 months 4 days 15 hours ago) and read 2454 times:
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I think my most common withdrawal is R200 at a time.

One thing that has ceased immediately is drawing from the nearest ATM. I was bored the other day and reviewed my bank charges, holy crap! No nore using other banks' ATMs for me!



After Monday and Tuesday even the calendar says WTF...
User currently offlineSwiftski From Australia, joined Dec 2006, 2701 posts, RR: 2
Reply 3, posted (5 years 3 months 4 days 14 hours ago) and read 2432 times:

I use the "Favourite Withdrawl" option. I've set mine up for $100AUD

At home in the UK I take £50.

By chance, they are close to being the same amount.


User currently offlineElite From Hong Kong, joined Jun 2006, 2878 posts, RR: 10
Reply 4, posted (5 years 3 months 4 days 13 hours ago) and read 2418 times:

I usually take out HKD$400, but HKD$200 when I just want to add a little bit.

User currently offlineFxramper From United States of America, joined Dec 2005, 7367 posts, RR: 85
Reply 5, posted (5 years 3 months 4 days 13 hours ago) and read 2416 times:
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Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

 dollarsign 


User currently offlineManuCH From Switzerland, joined Jun 2005, 3012 posts, RR: 46
Reply 6, posted (5 years 3 months 4 days 13 hours ago) and read 2400 times:
AIRLINERS.NET CREW
HEAD MODERATOR



Quoting Fxramper (Reply 5):
Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

I'd really, really love to do that. But not everyone accepts credit cards around here, especially for small purchases. Many have policies like "minimum CHF 20", so I need to have cash with me all the time.



Never trust a statistic you didn't fake yourself
User currently offlineDaleaholic From UK - England, joined Oct 2005, 3208 posts, RR: 13
Reply 7, posted (5 years 3 months 4 days 12 hours ago) and read 2395 times:

Mine's usually £10 or £20 as I visit the cash machine quite often...


Religion is an illusion of childhood... Outgrown under proper education.
User currently onlineNWADC9 From United States of America, joined May 2004, 4898 posts, RR: 9
Reply 8, posted (5 years 3 months 4 days 12 hours ago) and read 2388 times:

I usually take out $19. Why such an odd number? I get ones  Wink


Flying an aeroplane with only a single propeller to keep you in the air. Can you imagine that? -Capt. Picard
User currently offlineBongodog1964 From United Kingdom, joined Oct 2006, 3695 posts, RR: 4
Reply 9, posted (5 years 3 months 4 days 12 hours ago) and read 2387 times:

My word some of you lead interesting lives

Personally I draw out how much I need for the next few days. Minimum £100 maximum £500


User currently offlineShyFlyer From , joined Dec 1969, posts, RR:
Reply 10, posted (5 years 3 months 4 days 11 hours ago) and read 2372 times:

The most I've ever taken out at one time was $80, in $20 bills. Typically, though, I'll just take out $20. Nice round figure, that one. I don't like having a lot of cash on my person.

Quoting Fxramper (Reply 5):
Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

I never really got into the habit of using my check card like that. It stems from many years ago when check cards will still quite new. Many of the merchants that I encountered didn't know how to process it, even though you just swipe it like a credit card. Couple that with the fact that my bank couldn't make up it's mind whether or not to charge a fee for transactions using the card, and I just stopped using it. These days, its a different story (no fees, everyone knows how to process it) but I've just haven't gotten into the habit of using it instead of cash or the credit card.


User currently offlineBabybus From , joined Dec 1969, posts, RR:
Reply 11, posted (5 years 3 months 4 days 10 hours ago) and read 2365 times:



Quoting Fxramper (Reply 5):
Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

Same here. Every penny of my spending goes on my credit card to earn miles. It's amazing how it mounts up so quickly, but with BA it's hard to find a flight to use it on.  Sad

In Saudi Arabia the least you can get from a cash machine is 80 pounds (equiv). In the UK it is 10 pounds.


User currently offlineDocLightning From United States of America, joined Nov 2005, 20365 posts, RR: 59
Reply 12, posted (5 years 3 months 4 days 10 hours ago) and read 2359 times:



Quoting Airboeing (Thread starter):

What about you ?

Never less than US$100. Never more than US$200.


User currently offlineSabena332 From , joined Dec 1969, posts, RR:
Reply 13, posted (5 years 3 months 4 days 10 hours ago) and read 2352 times:



Quoting Fxramper (Reply 5):
I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

Same here. I use my Lufthansa Miles&More MasterCard as often as I can because I get one mile for every Euro I spend. When a supermarket or a store doesn't accept MasterCard I usually pay with my Maestro debit card.

To answer the original question: Usually I withdraw 50 EUR at an ATM, that is enough for one week (as I wrote above, I pay mostly with plastic than with cash).

Patrick


User currently offlineDocLightning From United States of America, joined Nov 2005, 20365 posts, RR: 59
Reply 14, posted (5 years 3 months 4 days 10 hours ago) and read 2345 times:



Quoting Fxramper (Reply 5):
Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

The sandwich shop up the road won't accept plastic for any purchase smaller than $10.

Quoting NWADC9 (Reply 8):
I usually take out $19. Why such an odd number? I get ones Wink

Where do you live that has an ATM that dispenses $1 bills???


User currently offlineForce13 From United States of America, joined Jun 2005, 229 posts, RR: 0
Reply 15, posted (5 years 3 months 4 days 9 hours ago) and read 2325 times:

Always 60.00 USD unless a pub is in my immediate future then it's 80.00 USD


Do not taunt. Do not shake. Do not pander. Add coffee. Subject should be slightly human within an hour.
User currently onlineNWADC9 From United States of America, joined May 2004, 4898 posts, RR: 9
Reply 16, posted (5 years 3 months 4 days 8 hours ago) and read 2311 times:



Quoting DocLightning (Reply 14):
Where do you live that has an ATM that dispenses $1 bills???

The newer PNC Bank ATMs dispense $1s, $10s, and $20s.



Flying an aeroplane with only a single propeller to keep you in the air. Can you imagine that? -Capt. Picard
User currently offlineHT From Germany, joined May 2005, 6525 posts, RR: 23
Reply 17, posted (5 years 3 months 4 days 8 hours ago) and read 2304 times:

Looks like I am the oddball here ...

I used to withdraw like 400 to 500 € per transaction, but this pretty seldom.
As I have been checking my account online for a number of years now, I visit my local bank's branch even less often.
Only recently withdrawals have become more often, as I am supporting my sister who, due to illness, no longer is able to work for life but do not get any state pension either yet ...
-HT



Carpe diem ! Life is too short to waste your time ! Keep in mind, that today is the first day of the rest of your life !
User currently offlineKaiGywer From United States of America, joined Oct 2003, 12286 posts, RR: 35
Reply 18, posted (5 years 3 months 4 days 7 hours ago) and read 2301 times:
AIRLINERS.NET CREW
FORUM MODERATOR



Quoting DocLightning (Reply 14):
The sandwich shop up the road won't accept plastic for any purchase smaller than $10.

Then they are in violation of their agreements with Visa and Mastercard.

Can merchants set a minimum purchase or charge a fee for using my Visa card?
Visa has certain regulations that all merchants that accept Visa cards must follow. One of those rules is that Visa merchants are not permitted to establish minimum transaction amounts, even on sale items.

If you run into a problem like this with a merchant, please notify your Visa card-issuing bank. Visa member banks have access to the appropriate Visa rules and regulations as well as to the Notification of Customer Complaint forms which should be used by the bank to document and file merchant complaints.


http://www.corporate.visa.com/ut/faq.jsp#5

Q: Can a merchant charge me a fee to use my MasterCard card? Can a merchant require a minimum purchase amount to use my MasterCard card?
A: The answer to the first question is almost never; the answer to the second question is not ever. Merchants must follow certain acceptance rules in order to be granted the privilege of accepting MasterCard cards. One of these rules specifically prohibits the practice of surcharging, that is, charging a customer a fee for using a MasterCard card over and above the sale amount. Under very specific conditions, however, a merchant can charge customers - including those using a MasterCard card - a fee in addition to the transaction amount. As a general rule, such a fee doesn't violate the MasterCard rules provided the fee is charged to all customers engaging in the same transaction, regardless of the form of payment. Keep in mind, however, that it is not a violation of the MasterCard rules for a merchant to offer customers a price discount for payment in cash, provided payment by MasterCard card is on at least as favorable terms as payment by any other means. Another MasterCard acceptance rule prohibits merchants that accept MasterCard cards from establishing any minimum amount below which the merchant won't accept payment via MasterCard card. If a merchant displays a decal with the MasterCard logo to indicate that MasterCard cards are accepted, that merchant can not condition a sale based upon the cardholder disclosing any other information or identification, except under very specific conditions, such as when merchant needs to deliver merchandise to the cardholder's home or business.


http://www.mastercard.com/us/business/en/common/faq.html#211



“Once you have tasted flight, you will forever walk the earth with your eyes turned skyward, for there you have been, an
User currently offlineLeezyjet From United Kingdom, joined Oct 2001, 4042 posts, RR: 53
Reply 19, posted (5 years 3 months 4 days 6 hours ago) and read 2277 times:

For me it's usually £20 just for buying the odd bit's and bobs, such as food etc.

Anything else I usually pay for with my debit card. The only time I ever have more than that on me is on a night out.

 Smile



"She Rolls, 45 knots, 90, 135, nose comes up to 20 degrees, she's airborne - She flies, Concorde Flies"
User currently offlineAirframeAS From United States of America, joined Feb 2004, 14150 posts, RR: 24
Reply 20, posted (5 years 3 months 4 days 6 hours ago) and read 2271 times:

I never use cash machines, they are evil. Even when I used my own bank's branch cash machine, I am still charged for using it. So now I just go inside the bank to get cash.

Cash machines are stupid.



A Safe Flight Begins With Quality Maintenance On The Ground.
User currently offlineJBirdAV8r From United States of America, joined Jun 2001, 4491 posts, RR: 21
Reply 21, posted (5 years 3 months 4 days 6 hours ago) and read 2260 times:



Quoting Fxramper (Reply 5):
Haven't taken cash from an ATM in forever. I use a check card for every purchase. A lot safer and I get miles on personal and business cards.

 checkmark  That's what I do...generally I use a credit card that I pay in full every month. I rarely carry more than $20 in my wallet. I'm a points hoarder though...I've never used them for a reward...



I got my head checked--by a jumbo jet
User currently offlineSignol From United Kingdom, joined Oct 2007, 3025 posts, RR: 8
Reply 22, posted (5 years 3 months 4 days 6 hours ago) and read 2260 times:

For me usually £10 or £20 - most spending goes on plastic.

I remember a few years ago when spending a couple of months in Brazil, where the lack of small change is a real problem. We'd go to the cash point and take out R$599 - yes they had R$1 notes, each worth about 25p at the time!

signol



Flights booked: none :(
User currently offlineAndz From South Africa, joined Feb 2004, 8471 posts, RR: 10
Reply 23, posted (5 years 3 months 4 days 6 hours ago) and read 2255 times:
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Quoting AirframeAS (Reply 20):
Even when I used my own bank's branch cash machine, I am still charged for using it. So now I just go inside the bank to get cash.

In this country drawing cash over the counter costs more than using an ATM.



After Monday and Tuesday even the calendar says WTF...
User currently offlineSignol From United Kingdom, joined Oct 2007, 3025 posts, RR: 8
Reply 24, posted (5 years 3 months 4 days 5 hours ago) and read 2240 times:



Quoting Andz (Reply 23):

In the UK, any UK-issue bank card (not credit card) can withdraw for free at any ATM owned by a bank. You only have to pay a fee for using machines owned by 3rd party companies, usually inside pubs, small shops, garages etc. Although sometimes normal bank ATMs are in those locations... They are required by law to inform the user of the charge applied at the beginning of the transaction.

signol



Flights booked: none :(
25 Springbok747 : Wow..had no idea. Does this clause only apply in the US or is it worldwide? Most of the fast food joints here (McDonald's, Subway, Burger King etc) h
26 Ajd1992 : I take out the minimum - £10. I wish they dispensed £5, because a £10 note is too much. I never take out more, purely because I don't need more. I'
27 Andz : That's pretty civilised. Just like having the speed cameras painted bright yellow. Here they would never consider warning you in advance of something
28 QXatFAT : I normally take out $60 which ends up being $60 + $3 when I am not near my banks ATM! The one time that I was very upset is when an ATM I was at out o
29 N1120A : Yeah, they may well be violating their contract with the credit card company. Crazy that you can get ones. Some BofAs now issue $50s from the ATM now
30 Springbok747 : Same here. Some ATMs in pubs, restaurants etc charge up to $5 for a withdrawal. I once used a nameless ATM (the ones they have in 24h petrol stations
31 ABQ747 : I really hate carrying around cash, so I always pay with plastic.
32 AirframeAS : That's Chase Bank for you. They sure know how to sucker the WaMu customers.... Considering changing banks, however.... Same here. I never carry cash,
33 N1120A : I can't believe they charge for ATM use. Have you gotten an explanation?
34 AirframeAS : Yeah.... Because the WaMu stuff isn't 100% fully transferred over to Chase yet. Go figure!
35 N1120A : I'd demand a refund of the charges, especially if they are charging you at former WaMu branches.
36 OA412 : Something doesn't add up here. Chase does not charge for the use of its ATM's and has not been charging former Washington Mutual customers for the us
37 TreeHillRavens : True. But nobody seems to bother to lodge a complain ... Certain smaller stores here especially those computer stores will revert the bank merchant c
38 N1120A : They try and do that in Morocco too. It is actually illegal there, not just a violation of their credit card agreement.
39 ExFATboy : I usually get $100 at a time, money goes fast in NYC, especially if you're out drinking... But of course I try to use my credit cards whenever possibl
40 AirframeAS : Ive tried that, but that is not the all of the problems I have with Chase. There is actually more.... When the transition happened, I used one of the
41 TreeHillRavens : That is so true Cash is so yesterday ! The bank charges in US is really getting out of hand. I noticed certain banks also charge an exorbitant fee fo
42 RobertNL070 : Thanks. I'll remember that. Once a month or so I'll withdraw about EUR 50. The vast majority of my payments are PIN-transactions. Swipe the bank card
43 AirframeAS : And they are getting even more expensive as well... Soon enough, it might cost us $10 just to pull out $20! Ugh!
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