ATM s.Say Insufficient funds? Home banks says OK

[Thaidai26]

Friday  tried both my Canadian Visa cc cards  at several different Bank atm machines almost completed transaction then ‘ Insufficient Funds  on screen. Called both banks TD + CIBC  they have no issues with my accounts funds available    But seems Thai banks say no?     Will of course try again later today.   But is this a regular issue.?    I have had no problems with ATMs here since January  Making regular twice a month or so withdrawals

[lopburi3]

Expect there was a computer glitch - if ATM can not confirm account balance believe that sign will come up.  Have not used foreign cards for several decades however.  It used to be a rare issue when I did use cards and believe cards had a smaller amount they can issue without approval destination bank approval.

 

There have been Thai banking issues this week however as government old age payments were not made to accounts outside of Bangkok and one other area on day 10.

 

There have also been major computer ransomware attacks this week.

[blackcab]

Moved to the Banking Forum.

[stevenl]

I think issue with issuing bank approval. Either limit, or don't trust too many foreign withdrawals.

[shackleton]

I also had a problem  before  taking out

Reduced the amount problem solved

[FritsSikkink]

42 minutes ago, lopburi3 said:

Expect there was a computer glitch - if ATM can not confirm account balance believe that sign will come up.  Have not used foreign cards for several decades however.  It used to be a rare issue when I did use cards and believe cards had a smaller amount they can issue without approval destination bank approval.

 

There have been Thai banking issues this week however as government old age payments were not made to accounts outside of Bangkok and one other area on day 10.

 

There have also been major computer ransomware attacks this week.

Ransom attack has nothing to do with your ATM transaction, that are different companies / schools / ... who have their security not in order. There are loads of ransom attacks every day.

Edited September 12, 2020 by FritsSikkink

[FritsSikkink]

Different banks have different limits for foreign cards.

[lopburi3]

1 minute ago, FritsSikkink said:

Ransom attack has nothing to do with your ATM transaction, that are different companies / schools / ... who have their security not in order.

Perhaps - perhaps not.  Banks could have put up extra firewalls to defend that might have 'Microsoft' blue screen effects.  I agree probably not but computer security has been an issue this week.

[lopburi3]

5 minutes ago, FritsSikkink said:

Different banks have different limits for foreign cards.

Card limits are from card/home bank - Thai banks set ATM limits per transaction.

[FritsSikkink]

4 minutes ago, lopburi3 said:

Perhaps - perhaps not.  Banks could have put up extra firewalls to defend that might have 'Microsoft' blue screen effects.  I agree probably not but computer security has been an issue this week.

No, you are wrong. Like I said computer security is an issue worldwide every day and has nothing to do with his ATM issue.

Work in IT 38 years.

[FritsSikkink]

3 minutes ago, lopburi3 said:

Card limits are from card/home bank - Thai banks set ATM limits per transaction.

Where did I say different?

[blackcab]

Off topic posts have been removed.

[MrMilk]

I have had the same problem last week or so.

 

"Transaction cancelled. Contact your bank"

 

Bank say card has no problem.

 

Can pay with the card at 7/11 etc, also working as normal online, but keep being refused at the ATM.

 

Scandic Visa Card.

 

My Mastercard works as normal (different bank)

[Thaidai26]

15 minutes ago, MrMilk said:

I have had the same problem last week or so.

 

"Transaction cancelled. Contact your bank"

 

Bank say card has no problem.

 

Can pay with the card at 7/11 etc, also working as normal online, but keep being refused at the ATM.

 

Scandic Visa Card.

 

My Mastercard works as normal (different bank)

Thank you. Yes my banks say all good,  under my limit too  and has worked For 10-12 Previous withdrawals from same ATM and amounts.  since February.  Did try smaller amounts at other bank machines       Will report back if any good news ASAP     

Edited September 12, 2020 by Thaidai26
Spell

[Dumbastheycome]

Have  historically  had problems  with  Visa card.

Never a problem with Master Card.

 

[crazykopite]

You get that message when the cash machine is empty it’s happened to me before

[Dave0206]

5 hours ago, shackleton said:

I also had a problem  before  taking out

Reduced the amount problem solved

great way for bank to charge 2 x 200 baht transaction fee 

[Na Fan]

Its also possible that the exchange rate isnt what youd expect and thus it goes over limit.

[dabhand]

6 hours ago, lopburi3 said:

Perhaps - perhaps not.  Banks could have put up extra firewalls to defend that might have 'Microsoft' blue screen effects.  I agree probably not but computer security has been an issue this week.

Would be no surprise if banks were also the subject of these recent attacks. They are inherently reluctant to admit to any cyber related issues as that could cause customer concerns over security of depositors funds. The mainstream western banks rarely admit to individual attacks on their safety systems and the banking industry tends to roll such matters up into admitting that $xxx million has been lost on a yearly basis due to these cyber attacks. Details only seem to be brought out into the public realm if the miscreants are caught and court cases are reported on.

 

For some to state 'nothing to see here' on bank cyber risks is naive in the extreme, even those with decades of 'IT' experience.

[Bender Rodriguez]

time for a thai bank account, if you live here ?

 

today I saw somebody pay a 12 baht ice cream with their phone app

 

loooooooooooooooooooooooool

[UncleMhee]

12 minutes ago, Bender Rodriguez said:

time for a thai bank account, if you live here ?

 

today I saw somebody pay a 12 baht ice cream with their phone app

 

loooooooooooooooooooooooool

Bangkok Bank app leaves western country banking apps in the shade @Bender Rodriguez Instant transfers and payments......yes even for twelve baht ice-cream. I'm very happy I have local bank.

[Letseng]

12 hours ago, lopburi3 said:

Expect there was a computer glitch - if ATM can not confirm account balance believe that sign will come up.  Have not used foreign cards for several decades however.  It used to be a rare issue when I did use cards and believe cards had a smaller amount they can issue without approval destination bank approval.

 

There have been Thai banking issues this week however as government old age payments were not made to accounts outside of Bangkok and one other area on day 10.

 

There have also been major computer ransomware attacks this week.

Attacks On hospital data bases.

[Letseng]

4 hours ago, Na Fan said:

Its also possible that the exchange rate isnt what youd expect and thus it goes over limit.

it can easily be that ATM was near empty and did not have the amount you requested. Happened to me in the past.

Gives this confusing msg. 

[Tracyb]

Consider going into the bank and trying a withdrawal over the counter with a teller.

[lopburi3]

10 hours ago, Letseng said:

it can easily be that ATM was near empty and did not have the amount you requested. Happened to me in the past.

Gives this confusing msg. 

Unlikely at multi ATM's as reported.

[lopburi3]

10 hours ago, Letseng said:

Attacks On hospital data bases.

It was more than hospitals per government sources - and many paid up to almost 1 million baht to restore data.  

https://www.reuters.com/article/us-thailand-hospital-ransomware/thai-hospitals-and-companies-hit-by-ransomware-attacks-idUSKBN2611WV?il=0

[Thaidai26]

1 hour ago, Tracyb said:

Consider going into the bank and trying a withdrawal over the counter with a teller.

Siam commercial bank Rawai will not handle cash! Also BKK  no 

[Thaidai26]

16 hours ago, UncleMhee said:

Bangkok Bank app leaves western country banking apps in the shade @Bender Rodriguez Instant transfers and payments......yes even for twelve baht ice-cream. I'm very happy I have local bank.

No visa  (15+15)    amnesty  So banks say no to opening act for 400k deposit ?

[kralledr]

That error is because of your daily/weekly limit...

 

I have this error before

[Thaidai26]

Not        As stated    Canadian bankS say ok    no issues. Plus have not used for 2 weeks +.