NoshowJones Posted April 23 Share Posted April 23 I know about the protection from banks with a credit card, but what about a debit card? I have had 3 withdrawals from sources I had never heard of amounting to over 3000Bt in the past two weeks even though I told the bank not to pay out. Do I have any protection with a debit card? Link to comment Share on other sites More sharing options...
Middle Aged Grouch Posted April 23 Share Posted April 23 Which Bank is it ? Link to comment Share on other sites More sharing options...
freeworld Posted April 23 Share Posted April 23 (edited) With a credit card, it's the banks money, the card issuer must fight to get its money back. With a debit card, you must fight to get your money back. Bank accounts should be monitored regularly and any unauthorised account transactions must be reported immediately to the bank. Edited April 23 by freeworld Link to comment Share on other sites More sharing options...
Popular Post Etaoin Shrdlu Posted April 23 Popular Post Share Posted April 23 A family member had unauthorized debit card transactions and contacted the bank. The bank investigated and determined that the transactions were indeed fraudulent and reimbursed the amount taken. It took a couple of weeks. 2 2 1 Link to comment Share on other sites More sharing options...
freeworld Posted April 23 Share Posted April 23 1 hour ago, NoshowJones said: I know about the protection from banks with a credit card, but what about a debit card? I have had 3 withdrawals from sources I had never heard of amounting to over 3000Bt in the past two weeks even though I told the bank not to pay out. Do I have any protection with a debit card? Read the terms and conditions. The banks regularly updates those and sends them out. 1 Link to comment Share on other sites More sharing options...
Popular Post Peterw42 Posted April 23 Popular Post Share Posted April 23 1 hour ago, NoshowJones said: I know about the protection from banks with a credit card, but what about a debit card? I have had 3 withdrawals from sources I had never heard of amounting to over 3000Bt in the past two weeks even though I told the bank not to pay out. Do I have any protection with a debit card? What do you mean by "I told the bank not to pay out". You were expecting these transactions before they happened ? Are the withdrawals from an ATM ? How did they get your PIN? If your card has been skimmed and and you inform the bank, then you will be reimbursed. Credit cards or debit cards are no different when it comes to an unauthorized transaction. 1 1 1 1 Link to comment Share on other sites More sharing options...
Popular Post CharlieH Posted April 23 Popular Post Share Posted April 23 If the card details are being used by another DESTROY the card and ask for a replacement. Problem solved. Then there can be no further charges or disputes. 2 1 1 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 5 hours ago, CharlieH said: If the card details are being used by another DESTROY the card and ask for a replacement. Problem solved. Then there can be no further charges or disputes. That has already been done Charlie and I took my wife with me to the bank. The tellers don't speak any English but the wife helped me and the teller cut my card up. I left only a few hundred Bt in my account and put the rest into my new account. I am now paranoid about it happening again with my new account. Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 6 hours ago, Middle Aged Grouch said: Which Bank is it ? Bangkok Bank. 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 6 hours ago, freeworld said: With a credit card, it's the banks money, the card issuer must fight to get its money back. With a debit card, you must fight to get your money back. Bank accounts should be monitored regularly and any unauthorised account transactions must be reported immediately to the bank. I did that right away. The bank even know who it was. I showed then the email from the company on my smartphone involved and they still did not stop them taking my money. Link to comment Share on other sites More sharing options...
BritManToo Posted April 23 Share Posted April 23 (edited) 9 minutes ago, NoshowJones said: That has already been done Charlie and I took my wife with me to the bank. The tellers don't speak any English but the wife helped me and the teller cut my card up. I left only a few hundred Bt in my account and put the rest into my new account. I am now paranoid about it happening again with my new account. So don't have a debit card on the account and pay for everything using your phone app and QR scans. Or On your phone banking app deactivate your debit card when it's not in use. Edited April 23 by BritManToo 1 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 5 hours ago, Peterw42 said: What do you mean by "I told the bank not to pay out". You were expecting these transactions before they happened ? Are the withdrawals from an ATM ? How did they get your PIN? If your card has been skimmed and and you inform the bank, then you will be reimbursed. Credit cards or debit cards are no different when it comes to an unauthorized transaction. "You were expecting these transactions before they happened ?" Yes I was, it came up on my email account. I immediately went to my bank and tried to stop it, the bank did not. Both the bank and myself know the companies responsible. They are not Thai they are from Cyprus and they refuse to tell me how they got my bank details details. I am fighting with my Bank to get them to refund the money back, though I don't see much hope. 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 8 minutes ago, BritManToo said: So don't have a debit card on the account and pay for everything using your phone app and QR scans. Or On your phone banking app deactivate your debit card when it's not in use. I have got a new account with a debit card. My debit card with my Bangkok Bank has now been cut up. Link to comment Share on other sites More sharing options...
The Fugitive Posted April 23 Share Posted April 23 1 hour ago, NoshowJones said: I have got a new account with a debit card. My debit card with my Bangkok Bank has now been cut up. BritManToo was advising it's safer not to have a card. If you need cash from an ATM use contactless withdrawal with your mobile phone. Alternatively, deactivate your card when not required via your mobile banking app. 1 Link to comment Share on other sites More sharing options...
Nick Carter icp Posted April 23 Share Posted April 23 1 hour ago, NoshowJones said: "You were expecting these transactions before they happened ?" Yes I was, it came up on my email account. I immediately went to my bank and tried to stop it, the bank did not. Both the bank and myself know the companies responsible. They are not Thai they are from Cyprus and they refuse to tell me how they got my bank details details. I am fighting with my Bank to get them to refund the money back, though I don't see much hope. What kind of business are the Cypriot company ? Is there a reason why they took the money ? Did someone use your card to buy something from them ? Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 1 minute ago, The Fugitive said: BritManToo was advising it's safer not to have a card. If you need cash from an ATM use contactless withdrawal with your mobile phone. Alternatively, deactivate your card when not required via your mobile banking app. I'm really sorry about my ignorance here and appreciate your help. I like the idea of deactivating my card. So can I do that and activate my card just before I want to use it. I have the app and use it at the likes of Makro, and topping up my phone, I will try and learn to do that. Thanks again. 1 Link to comment Share on other sites More sharing options...
The Fugitive Posted April 23 Share Posted April 23 2 minutes ago, NoshowJones said: I'm really sorry about my ignorance here and appreciate your help. I like the idea of deactivating my card. So can I do that and activate my card just before I want to use it. I have the app and use it at the likes of Makro, and topping up my phone, I will try and learn to do that. Thanks again. You're welcome. I just tried it myself but can't because I don't have a debit card. I did previously but it expired and they didn't send a new one and I didn't ask for one! 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 1 minute ago, Nick Carter icp said: What kind of business are the Cypriot company ? Is there a reason why they took the money ? Did someone use your card to buy something from them ? There are two companies both in Cyprus, no one has had my card, one is called OnlineYoga I don't know about their business. The other is called Allclothes club, they sell clothes online.. I honestly have never heard of any of them. Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 6 minutes ago, The Fugitive said: You're welcome. I just tried it myself but can't because I don't have a debit card. I did previously but it expired and they didn't send a new one and I didn't ask for one! Read the post just in from Nick Carter icp. Link to comment Share on other sites More sharing options...
Nick Carter icp Posted April 23 Share Posted April 23 3 minutes ago, NoshowJones said: There are two companies both in Cyprus, no one has had my card, one is called OnlineYoga I don't know about their business. The other is called Allclothes club, they sell clothes online.. I honestly have never heard of any of them. Appears to be that someone has been using your card online . Do you know anyone who is interested in Yoga ? Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 1 minute ago, Nick Carter icp said: Appears to be that someone has been using your card online . Do you know anyone who is interested in Yoga ? My card has been in my wallet all the time, no one has access to it. The very first time it happened it appeared as an email. They must have had access to my email address as well as my bank details. 1 Link to comment Share on other sites More sharing options...
The Fugitive Posted April 23 Share Posted April 23 17 minutes ago, NoshowJones said: My card has been in my wallet all the time, no one has access to it. The very first time it happened it appeared as an email. They must have had access to my email address as well as my bank details. Hackers in Moldova obtained access to my AliExpress account. I had saved my credit card information in my AliExpress account thus they were able to order goods and have them delivered to their address in Moldova. AliExpress sent me an email telling me my goods were on their way. I was too late to stop the first 'trial' purchase but it was only for $6 USD and I got that back from my bank. I cancelled my credit card so further orders couldn't be made. Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 49 minutes ago, The Fugitive said: Hackers in Moldova obtained access to my AliExpress account. I had saved my credit card information in my AliExpress account thus they were able to order goods and have them delivered to their address in Moldova. AliExpress sent me an email telling me my goods were on their way. I was too late to stop the first 'trial' purchase but it was only for $6 USD and I got that back from my bank. I cancelled my credit card so further orders couldn't be made. Yes but mine was a debit card, that's why I thing I will not be refunded. Mine was not hackers I know who they are and have said so, they said they got my bank details from me but my debit card was in my wallet all the time. 1 Link to comment Share on other sites More sharing options...
VocalNeal Posted April 23 Share Posted April 23 3 hours ago, BritManToo said: So don't have a debit card on the account and pay for everything using your phone app and QR scans. Or On your phone banking app deactivate your debit card when it's not in use. Or Have a dedicated prepaid Visa debit card which is only used for online purchases or payments. 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 1 hour ago, VocalNeal said: Or Have a dedicated prepaid Visa debit card which is only used for online purchases or payments. I like the idea of deactivating the debit card when it's not in use, I will just need to look through the app and find out how to deactivate the card then activate it when needed. Link to comment Share on other sites More sharing options...
gargamon Posted April 23 Share Posted April 23 1 hour ago, NoshowJones said: I like the idea of deactivating the debit card when it's not in use, I will just need to look through the app and find out how to deactivate the card then activate it when needed. Better to cut it up and don't get a new one. Use QR codes for payments and cardless withdrawal for cash. 1 Link to comment Share on other sites More sharing options...
NoshowJones Posted April 23 Author Share Posted April 23 30 minutes ago, gargamon said: Better to cut it up and don't get a new one. Use QR codes for payments and cardless withdrawal for cash. I will wait a little while and see what's best, I have just opened a new account with another bank and kept my Bangkok bank account open but only a deposit account as I transfer funds to my Bangkok bank from my UK bank through Wise. 1 Link to comment Share on other sites More sharing options...
gargamon Posted April 23 Share Posted April 23 4 hours ago, NoshowJones said: I will wait a little while and see what's best, I have just opened a new account with another bank and kept my Bangkok bank account open but only a deposit account as I transfer funds to my Bangkok bank from my UK bank through Wise. You have an ATM card at the new bank or are you using QR codes as I suggested? You're not fixing anything by just getting an ATM at another bank. Link to comment Share on other sites More sharing options...
NoshowJones Posted April 24 Author Share Posted April 24 I use QR codes everytime I shop at Makro's as they don't accept debit cards. I will start to use them more. I'm confused about your last sentence. Thanks for trying to help. Link to comment Share on other sites More sharing options...
1FinickyOne Posted April 24 Share Posted April 24 On 4/23/2024 at 7:57 AM, NoshowJones said: I know about the protection from banks with a credit card, but what about a debit card? I have had 3 withdrawals from sources I had never heard of amounting to over 3000Bt in the past two weeks even though I told the bank not to pay out. Do I have any protection with a debit card? have you considered asking the bank? Link to comment Share on other sites More sharing options...
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