Jiu-Jitsu

Kalixa Pay sounded good at first sight but €300 limit for ATM withdrawals per 24 hours is way too low. Also, 'real' bank account solution would be preferred option anyway.

One doesn't have to depend on it solely. Better than no Euros. I rarely use cash when there is the option of POS. Anyway, it is only issued in four countries, so you may not be eligible anyway.

If you are German, there is DKB Online.

Kalixa Pay

H+ is 3G AIS doesn't utilise 4G.

http://en.wikipedia.org/wiki/High_Speed_Packet_Access

Indeed, but not such good value when you try to use them in Euroland and elsewhere. Which is why I linked to Euro products, as they are better value within Thailand and beyond.

Although I mentioned the card was Schwab, way back there, I did say it IS a DEBIT card and I use it regularly to withdraw cash over-the-counter at TMB Bank in Phitsanulok. It is a debit card and they call it an over-the-counter-cash advance. I have never been charged a fee either by my US bank or my Thai bank.

I cannot speak for any other originating bank in the world except Schwab, and I cannot speak for any Thai bank except the main branch of TMB in Phitsanulok. For me it has been no problem. I have taken amounts as high as 600,000 baht. For amounts of under 50,000 baht, I use the ATM because its easier.

I think that even you may begin to see the issue here. The OP stubbornly insists on using a debit card that snatches away 2.75% plus a cash withdrawal fee of £1.50...even if used over the counter. Her problems would be solved immediately by applying for the no charge CC from the very same bank.

So she has little need to open a Schwab account in order to take advantage of fee free withdrawals. Understand now?

She is just wasting peoples time, cogitating.

She prefers to waste time reading anecdotes of how some banks will still accept debit cards. This action might have some substance if her current debit card was not a pile of steaming poo.

I know a timewaster when I meet one. So whilst you might think my replies brusque...there is good reason.

I could give her even more information on the other products available to her, but frankly it's a ridiculous waste of time. With online banking her accounts could be linked and she could cover her Clarity spends in seconds.

So, it's all a pointless timewasting exercise.

If she wants to know which banks in her area accept debit cards, she can simply take a walk around them. Asking here is totally pointless, as you know. Policy may differ between branches. But most of all...her current debit card is carp anyway.

So try to talk some sense into your new friend.

@Jiu-Jitsu:

It has clearly escaped you that one of the main reasons for a card being rejected.....is because it is a debit card. Which is the reason why you have been told to apply for a credit card. Has it become clear to you now, as to why you have been offered that advice?

Only you have offered this advice, without any background about your experiences. What is the basis of your advice, and is the advice relevant when the topic is asking about DEBIT cards. It would be relevant if you had said..look, I attempted using a debit card and I was charged a fee, so I obtained a clarity credit card and have been successfully using it to withdraw money over the counter without a fee, at a shopping centre branch in Bangkok or in the sticks. There's nothing like this in your posts, apart from how pointless you find this post. Is this not whingeing in it self?. Look, just because a thread was started to clear up something left unclear in one of your post. It does not make it pointless. Quite the contrary.

It's seems that you haven't bothered to read the advice that you have been given by your fellow members. Get a credit card. The Clarity.

I told you in the title of the post (title is specific to Debit Card), in the body of post #1

Has anyone had any experience withdrawing money over the counter at a bank using an overseas Debit Card and Passport.

, and post #33

I wasn't looking for advice on what card I should apply for...

How come this is so difficult for you to comprehend.

Also, there are several posts here, on this "pointless" post (as you put it) where members have been able to withdraw cash over the counter without a fee using a DEBIT card. Please check

Post #10, post #11,post #13


These experiences are real. Enough said.



Have you some kind of mental aberration? It has been made clear from this thread alone, that it is the policy of at least one of the banks to not accept debit cards. So getting a no-fee credit card would solve your issue.....but your issue is clearly not financial, but mental.
Now you start on a whole load of nonsense about my having to post my credentials before my recommendations and other nonsense about not wanting to have a credit card.
I'm sure that Waldo, who decided to hitch his truck to yours, is now cringing with embarrassment....wondering why he ever did such a thing.
You are a timewaster. You surely will not find the info of the other products unless it's from one of my posts. Just a stubborn old woman. What other reason would their be for someone choosing to use a debit card that charges a forex fee of 2.75% in addition to a cash withdrawal fee of £1.50. The card even has a fee of £1.50 for purchases abroad!

This is the kind of intelligence with which we are dealing. The Clarity would wipe away all of those issues, but instead of acting, you react like a stubborn old woman/child.

This week I emailed DTAC from my account on the web site to ask for promotions such as some mentioned on this forum. They just pointed me to their stupid web site that lists a few but not all. It really pisses me off they won't tell you. I still use the 19THB/day option as I hate using them and just need them on the odd day when on the road, to avoid the stupid 1.07THB/minute default internet charge rate if I am not subscribed to any package. For how long the 19THB deal runs who knows? They won't tell you. Even DTAC's web site has different promotions to those listed on the DTAC Android smart phone app. I've been with these suckers for 12 years. They are beginning to make us look like idiots for sucking up to this service.

Seriously, you need to grow up. They are running a business. They are all at it. If you find a package that still works, use it and shut up about it. Blabbing about it on forums just gets them shut down. I posted some links. Use them or don't...but this incessant whinging is appalling..

So we are supposed to rely on you to get the best deals!? You think the mobiles care about this forum thread? GTF out of here! The mobile companies are allowed to provide their business under licence from the Thai government. That should include customer rights and protection from misleading adverting.

It seems that you are trawling this thread and others...so clearly, yes. If it irks you, go to look at their websites instead. But as long as you continue to pull codes from here, I suggest that you should be grateful that they were posted here at all.

"Has anyone had any experience withdrawing money..."

Have you tried to do it? What was your experience?

Hi, Its like I say in post #6 -

In my personal experience, the bank staff's immediate reaction is to point towards the ATM.

That's how come I started this post...because the posts on TV (ThaiVisa) about this topic are old, and I needed to get a fresh perspective on the topic. (I figured it would help others as well) Also, although there was advice that over the counter cash withdrawals can be done there were no personal experiences quoted by attaching any links (It would be out of topic to quote personal experiences about over the counter withdrawals on a thread about bank fees for example).

Anyhow, because I was unable to make the over the counter cash withdrawal I made ATM pulls instead. This experience is relayed here on this thread - post#17

Now as a result of this thread (topic), from other TV Members experiences, I am aware that over the counter withdrawals can be done -- so thanks everyone for sharing your stories and experiences.

I wasn't looking for advice on what card I should apply for, but seems I have been offered this anyway, AND for some strange reason I am expected to be grateful for this advice. When we post something here we are not looking to take advantage of a discovery someone has made (or abuse any special privilege) but like you say are asking other members experiences.

Just to clarify, my objective in all this is again as the title of the post says "Over the counter money withdrawal at Bank using Overseas Debit Card and Passport"** - could it be done. From all the replies, clearly it can.

** - Although this is the title - in the original post #1 of this thread, I have said

..Also, no thai bank ATM charge for making a withdrawal like this. Are there any fees by the home bank for making an over the counter cash withdrawal...

Also I have posted a link to the related thread title "Fed up with bank fees".

Are there any fees by the home bank for making an over the counter cash withdrawal...

- From this discussion - clearly it depends on the kind of account and/or card.

It has clearly escaped you that one of the main reasons for a card being rejected.....is because it is a debit card. Which is the reason why you have been told to apply for a credit card. Has it become clear to you now, as to why you have been offered that advice?

Can we stop the pointless posts of there being only one card available to you in each category? Apart from it not even being accurate, why is that even relevant to the topic?

It's seems that you haven't bothered to read the advice that you have been given by your fellow members. Get a credit card. The Clarity.

Can it be made any more simple or any clearer?

@Jui-Jitsu:

If you are with the Halifax Bank, obtain a Halifax Clarity CC.

So we have the halifax clarity for a no overseas transaction fee CREDIT Card. Over the counter transactions would be "Free". Not ATM transactions, as they (Halifax) do not refund any foreign bank levied ATM fees.

For UK pps, It's just this CREDIT card available for no fee cash withdrawals (over the counter). I mean a card with no annual fee or any other conditions. The Santander Zero card is no longer issued. Saga, Post Office and Nationwide credit cards all charge a fee for cash withdrawals. Metro Bank credit card is only fee-less within Europe.

As for debit cards, there is the N&P Debit Card. Same story with that card. No Fees for overseas over the counter cash withdrawals, but potential fee by overseas bank for ATM use.

So, just one card on offer for each of these categories, CREDIT/DEBIT card. Surely, this is something worth complaining about.

Are you off your head? If you are a woman, you have surely lost all credibility with that ludicrous post. You have options of both a credit card and a debit card, but you are still whinging. Apart from anything else, there are two other currently issued cards available. So you have at least four options. They have no control over the scamming Thailand ATM system....so it's up to you to avoid them, rather than creating useless threads, one after the other.

You have options, utilise them or don't...but please, stop the whining.

Jui-Jitsu, with your unnecessarily rude and ugly tone, you personify everything that stinks about Thai Visa. If you can't write nicely, why don't you just stop and crawl back into your hole?

Oh the irony.....worse still without even a hint of the topic. Trolling at it's worst.

I'm still waiting for you to explain to the OP as to how she will open a Schwab account without having to convert her £ into US$10,000.

It appears that you have gone rather quiet over that issue....curious, since you were adamant and berated me.

Do you mind toning it down with the insults. I have only just started using this site. It dosen't seem very friendly when those with 1000's of previous posts start saying things like "are you off your head". Please save the insults to someone who deserves it. There are hundreds of options to let off steam.

there are two other currently issued cards available

- The halifax clarity is the only card without an annual fee, by the looks of it. The other cards it is tough to tell. Are you really suggesting the other cards come even close to what the halifax clarity offers.

Remember, count to 10 everytime you get angry.

I'm not angry, but you appear to be an annoying timewaster. Have you even applied for a Clarity card or are you here to just rabbit on about nothing?

What exactly is it that you are trying to achieve? All you seem to be doing is whinging.

The title of the thread is Over the counter money withdrawal at Bank using Overseas Debit Card and Passport.... So now you have the information that you need, you start complaining that there are only two options(when there are at least four). You should count yourself lucky that there are any. But instead of being grateful for small mercies, you babble on about complaining that there are just two options.

What use it that to anyone?? Do you think that the banks will suddenly begin offering the products that you want because of your incessant whinging?

Seriously, save us the heartache. Do something positive, instead of creating useless threads. Apply for the Clarity.

This week I emailed DTAC from my account on the web site to ask for promotions such as some mentioned on this forum. They just pointed me to their stupid web site that lists a few but not all. It really pisses me off they won't tell you. I still use the 19THB/day option as I hate using them and just need them on the odd day when on the road, to avoid the stupid 1.07THB/minute default internet charge rate if I am not subscribed to any package. For how long the 19THB deal runs who knows? They won't tell you. Even DTAC's web site has different promotions to those listed on the DTAC Android smart phone app. I've been with these suckers for 12 years. They are beginning to make us look like idiots for sucking up to this service.

Seriously, you need to grow up. They are running a business. They are all at it. If you find a package that still works, use it and shut up about it. Blabbing about it on forums just gets them shut down. I posted some links. Use them or don't...but this incessant whinging is appalling..

It is much better to phone customer service, they speak good english and can help you to find the promotion you're looking for. I have a postpaid subscription now and pay 630 baht monthly for a smartphone package , unlimited internet with good speed up to 3 gb. I'm very happy with it.

Seems relatively poor value....

https://www.deutscheskonto.org/en/dkb/visa-card/

or

Kalixa Pay if you are from Austria, Germany, Italy or the UK.

I think you'll find that the OP is looking for a Euro account with a Thai bank - you know, in Thailand. He can direct his incoming wire transfers there so they won't be converted from Euro to baht. Then, when he's in Euroland he can access that Euro bank account back in Thailand via the Thai bank's ATM card. I'd have thought it's simpler not to transfer the money in the first place.

http://www.krungsri.com/bank/en/All-Promotion/Personal-Promotions/22317.html might work that way but he's have to confirm that with the bank (and good luck with the explanation)

Perhaps you can explain the benefits of a Euro account with a Thailand bank, as opposed to my suggestion.

@Jui-Jitsu:

If you are with the Halifax Bank, obtain a Halifax Clarity CC.

So we have the halifax clarity for a no overseas transaction fee CREDIT Card. Over the counter transactions would be "Free". Not ATM transactions, as they (Halifax) do not refund any foreign bank levied ATM fees.

For UK pps, It's just this CREDIT card available for no fee cash withdrawals (over the counter). I mean a card with no annual fee or any other conditions. The Santander Zero card is no longer issued. Saga, Post Office and Nationwide credit cards all charge a fee for cash withdrawals. Metro Bank credit card is only fee-less within Europe.

As for debit cards, there is the N&P Debit Card. Same story with that card. No Fees for overseas over the counter cash withdrawals, but potential fee by overseas bank for ATM use.

So, just one card on offer for each of these categories, CREDIT/DEBIT card. Surely, this is something worth complaining about.

Are you off your head? If you are a woman, you have surely lost all credibility with that ludicrous post. You have options of both a credit card and a debit card, but you are still whinging. Apart from anything else, there are two other currently issued cards available. So you have at least four options. They have no control over the scamming Thailand ATM system....so it's up to you to avoid them, rather than creating useless threads, one after the other.

You have options, utilise them or don't...but please, stop the whining.

@WheresWaldo:

By the way, with regard to daily limits on debit cards, I like to keep a low limit on my Schwab debit card to limit the potential for fraud. When I want to make a large over-the-counter cash advance transaction, I call Schwab's international toll free number (001-800-1165-6066-8) from my mobile phone, and ask them to raise the daily limit until midnight of that day (in the US) for an over-the-counter cash advance in Thailand. They raise it real time, I make the transaction, then, at midnight (in the US), the limit automatically drops back to what it was. With Schwab, daily limits are not an impediment. I cannot speak for other banks.

I always felt that lifting of the daily limit was possible if we called the bank in advance and passed security checks. Recently I needed to withdraw money to put down a deposit for a rental property. Called the Halifax Bank from overseas, went through all the security checks under the sun (and passed them of course, because I am the actual cardholder) only to be told "No, we cannot lift the daily limit". I was only asking for it to be lifted by 100 GBP (about 5000 THB, so the total daily withdrawal would have been about 20,000 THB), but the staff member (probably call centre) was adamant that it could not be lifted beyond the current limit 300 GPB. She also told me I could not make overseas Over the counter withdrawals with my Visa Debit card, as over the counter withdrawals could only be made "at a Halifax branch" (presumably there are no Halifax Branches overseas).

So, I made two ATM pulls instead of one over the counter transaction (Cant imagine that its not allowed by the card..Its a Visa card for crying out loud). Also, didn't quite have the time to go from Bank to Bank asking for an over the counter withdrawal -- it was before seeing all the new posts here.

Summary: Paid 2x ATM transaction fees (with all the assorted fees..non-sterling transaction fee and non-sterling cash fee). Slight delay in putting down the deposit for the rental property + inconvenience in visiting the ATM twice in two days.

For the bank: High security (daily limit not lifted -- not at all) + More fees..

It's bank policy. Take control over your life; get a Schwab account.

He would have to pay to change his money from £ to US$. Enough of the silly ideas.

That's nonsense, why would he pay to change £[/size] to $, then $ to ThB? Schwab has London office. Before calling something silly and giving bad advice, you should do your homework.

It's a US$ account, so he would have to change £ into US$. Show me otherwise, instead of just babbling on about a London office.

Explain to the OP as to how to open an account in Pounds at the London office.

https://www.deutscheskonto.org/en/dkb/visa-card/

or

Kalixa Pay if you are from Austria, Germany, Italy or the UK.

@WheresWaldo:

By the way, with regard to daily limits on debit cards, I like to keep a low limit on my Schwab debit card to limit the potential for fraud. When I want to make a large over-the-counter cash advance transaction, I call Schwab's international toll free number (001-800-1165-6066-8) from my mobile phone, and ask them to raise the daily limit until midnight of that day (in the US) for an over-the-counter cash advance in Thailand. They raise it real time, I make the transaction, then, at midnight (in the US), the limit automatically drops back to what it was. With Schwab, daily limits are not an impediment. I cannot speak for other banks.

I always felt that lifting of the daily limit was possible if we called the bank in advance and passed security checks. Recently I needed to withdraw money to put down a deposit for a rental property. Called the Halifax Bank from overseas, went through all the security checks under the sun (and passed them of course, because I am the actual cardholder) only to be told "No, we cannot lift the daily limit". I was only asking for it to be lifted by 100 GBP (about 5000 THB, so the total daily withdrawal would have been about 20,000 THB), but the staff member (probably call centre) was adamant that it could not be lifted beyond the current limit 300 GPB. She also told me I could not make overseas Over the counter withdrawals with my Visa Debit card, as over the counter withdrawals could only be made "at a Halifax branch" (presumably there are no Halifax Branches overseas).

So, I made two ATM pulls instead of one over the counter transaction (Cant imagine that its not allowed by the card..Its a Visa card for crying out loud). Also, didn't quite have the time to go from Bank to Bank asking for an over the counter withdrawal -- it was before seeing all the new posts here.

Summary: Paid 2x ATM transaction fees (with all the assorted fees..non-sterling transaction fee and non-sterling cash fee). Slight delay in putting down the deposit for the rental property + inconvenience in visiting the ATM twice in two days.

For the bank: High security (daily limit not lifted -- not at all) + More fees..

If you are with the Halifax Bank, obtain a Halifax Clarity CC.

@WheresWaldo:

By the way, with regard to daily limits on debit cards, I like to keep a low limit on my Schwab debit card to limit the potential for fraud. When I want to make a large over-the-counter cash advance transaction, I call Schwab's international toll free number (001-800-1165-6066-8) from my mobile phone, and ask them to raise the daily limit until midnight of that day (in the US) for an over-the-counter cash advance in Thailand. They raise it real time, I make the transaction, then, at midnight (in the US), the limit automatically drops back to what it was. With Schwab, daily limits are not an impediment. I cannot speak for other banks.

I always felt that lifting of the daily limit was possible if we called the bank in advance and passed security checks. Recently I needed to withdraw money to put down a deposit for a rental property. Called the Halifax Bank from overseas, went through all the security checks under the sun (and passed them of course, because I am the actual cardholder) only to be told "No, we cannot lift the daily limit". I was only asking for it to be lifted by 100 GBP (about 5000 THB, so the total daily withdrawal would have been about 20,000 THB), but the staff member (probably call centre) was adamant that it could not be lifted beyond the current limit 300 GPB. She also told me I could not make overseas Over the counter withdrawals with my Visa Debit card, as over the counter withdrawals could only be made "at a Halifax branch" (presumably there are no Halifax Branches overseas).

So, I made two ATM pulls instead of one over the counter transaction (Cant imagine that its not allowed by the card..Its a Visa card for crying out loud). Also, didn't quite have the time to go from Bank to Bank asking for an over the counter withdrawal -- it was before seeing all the new posts here.

Summary: Paid 2x ATM transaction fees (with all the assorted fees..non-sterling transaction fee and non-sterling cash fee). Slight delay in putting down the deposit for the rental property + inconvenience in visiting the ATM twice in two days.

For the bank: High security (daily limit not lifted -- not at all) + More fees..

It's bank policy. Take control over your life; get a Schwab account.

He would have to pay to change his money from £ to US$. Enough of the silly ideas.

Was not working for me anymore, in fact I could not load any package. Get an error message, that I still subscribed to the old package, which I'm not.

I'm off to the office tomorrow, to update my registration, the first step to move my number.

Seems that True has still a weekly package with 512 KBPS, I'll get me a Sim tomorrow, if it works out well, I'll move the number to True.

When you go there, get them to cancel any existing packages....and don't give them an earache about packages no longer available.

Some has reported the TRUE has cancelled their 512kbps package too...so don't be too quick to jump.

My *103*369*9# is alright, see my previous post. It does not "eat" credit after 5PM. And I don't use the free calls.

OK, but do you have internet from 5PM - 5AM ?

I'm just browsing through the Thai forums, apparently it's ended anyway on March 1st, but you'll never know.

Will try after midnight when my subscription will end.

You too? You were told that the 7 baht package was 5 to 5, but the packages in #87 were unlimited...but you went for the 7 baht package and then complain about DTAC??

Seems that it's all too much for some.

Hi,

Many thanks.

But the min. I need is 384kb after the megabits are over. Any offer like this...?

64kb I can't even browse some sites...

Thanks!

Did you try post #87 or not? Are you likely to use more than 1.2GB?

For DTAC : "The best deal now is 49/week @384kbps again, valid until 28/02 *104*29*9#dial"

So is this over, now? The the less worst for weekly or daily, unlimited in MB, and as "fast" as possible I find on their website is :

Double Net Package 79 baht / week

Able to use 3G at maximum speed 42 Mbps. Usage greater than limited volume will be subject to speeds of no greater than 128 Kbps

200 MB

Valid until 31/03/2015

Activation shortcut *104*322*9#dial

Which is really not value! 200MB....! A joke. I am switching to True in a few weeks..... But in the meanwhile I need something! Thanks!

Post #87 or

Super Net - Weekly: 7-day 79 baht

Able to use maximum speed at 512 Kbps. Usage greater than limited volume will be subject to speeds of no greater than 64 Kbps

1.2 GB

Valid until 31/03/2015

Activation shortcut *104*857*9#

or

Super Net - Weekly: 7-day 69 baht

Able to use maximum speed at 384 Kbps. Usage greater than limited volume will be subject to speeds of no greater than 64 Kbps

750 MB

Valid until 31/03/2015

Activation shortcut *104*856*9#

Try to not be obtuse. jethro69's post is in response to my post #87. If you cannot follow the thread, then perhaps you should stay out of it.

I can follow the thread quite clearly thanks, and note only yourself is prone to providing sometimes incomplete answers and then throwing insults at those who try to get things clarified. I have enjoyed reading others input here however with thanks.

I think #87 and #89 cover the matter. No need for endless useless questions and useless idiots with nothing to contribute.

Perhaps the info doesn't come from Agoda?