KBank debit card declined. Live and learn

[impulse]

A few days before my flight to Bangkok yesterday, I plopped down the old KBank debit card at a Sams Club (Walmart) in China.  It was declined, but no big deal.  I carry cash for just such cases.

 

This morning, I tried the card outside a Bangkok branch and the ATM declined it.  The guy who doles out the queue tickets tried it, and it didn't work.  Then the cutie behind the counter took me out to the ATM to show me how to do it.  It was declined yet again.  Then she fiddled with some ATM menus and figured out that I needed to agree to the 250Baht annual debit card fee before it would work.  Almost 200K in the account, and the card was declined until I got to Bangkok and agreed in person.

 

Live and learn.

 

 

[jas007]

3 minutes ago, impulse said:

A few days before my flight to Bangkok yesterday, I plopped down the old KBank debit card at a Sams Club (Walmart) in China.  It was declined, but no big deal.  I carry cash for just such cases.

 

This morning, I tried the card outside a Bangkok branch and the ATM declined it.  The guy who doles out the queue tickets tried it, and it didn't work.  Then the cutie behind the counter took me out to the ATM to show me how to do it.  It was declined yet again.  Then she fiddled with some ATM menus and figured out that I needed to agree to the 250Baht annual debit card fee before it would work.  Almost 200K in the account, and the card was declined until I got to Bangkok and agreed in person.

 

Live and learn.

 

 

I use KBank, and now that you mention it, once a year or so when I use the ATM, I get  message about an upcoming charge for a debit card fee. Something like that.  But I never had to do anything at any specific ATM machine.  

[impulse]

3 minutes ago, jas007 said:

I use KBank, and now that you mention it, once a year or so when I use the ATM, I get  message about an upcoming charge for a debit card fee. Something like that.  But I never had to do anything at any specific ATM machine.  

 

I've never gotten that message when I was out of the country.  I think it only shows up at domestic ATMs and maybe even only KBank ATMs.  Maybe someone knows for sure? 

 

[Grumpy one]

11 minutes ago, impulse said:

A few days before my flight to Bangkok yesterday, I plopped down the old KBank debit card at a Sams Club (Walmart) in China.  It was declined, but no big deal.  I carry cash for just such cases.

 

This morning, I tried the card outside a Bangkok branch and the ATM declined it.  The guy who doles out the queue tickets tried it, and it didn't work.  Then the cutie behind the counter took me out to the ATM to show me how to do it.  It was declined yet again.  Then she fiddled with some ATM menus and figured out that I needed to agree to the 250Baht annual debit card fee before it would work.  Almost 200K in the account, and the card was declined until I got to Bangkok and agreed in person.

 

Live and learn.

 

 

Hey the banks here need to make a few bart  

[impulse]

3 minutes ago, Grumpy one said:

Hey the banks here need to make a few bart  

 

I don't object the 250 baht fee.  I do object to having my card declined for lack of 250 baht when I have about 200K baht in the account.

 

Seems to me like the prudent thing to do is decline the card if the balance gets below 250 baht plus whatever I'm charging.

 

[JohnnyBD]

Kasikorn deducts the yearly debit card fees from me and my wife's accounts automatically. Not sure why they wouldn't be doing the same for you.

[impulse]

4 minutes ago, JohnnyBD said:

Kasikorn deducts the yearly debit card fees from me and my wife's accounts automatically. Not sure why they wouldn't be doing the same for you.

 

Good question.  I've got a year to figure it out.  Since I'm only in Bangkok for 4 days this trip, I had more important (and fun) fish to fry today.

 

[KhunHeineken]

5 hours ago, impulse said:

Then she fiddled with some ATM menus and figured out that I needed to agree to the 250Baht annual debit card fee before it would work. 

I have my annual fee set to auto charge.  It comes out of the account automatically. 

[Andycoops]

14 hours ago, JohnnyBD said:

Kasikorn deducts the yearly debit card fees from me and my wife's accounts automatically. Not sure why they wouldn't be doing the same for you.

Same here but I do get a message telling me when they are doing to take it, Bangkok Bank follow the same process.

[impulse]

1 hour ago, Andycoops said:

Same here but I do get a message telling me when they are doing to take it, Bangkok Bank follow the same process.

 

When you get the message, do you have to approve it, or is it just an information message with no reply required?  I swap out my Thai SIM with a China SIM when I'm in China.

 

Also, that could explain why the KBank debit card was declined after I'd been in the USA for awhile, though the account still had plenty of balance.  That was back around the start of Covid, and I wasn't using my Thai SIM in the USA, either.

 

 

[Nid_Noi]

54 minutes ago, impulse said:

 

When you get the message, do you have to approve it, or is it just an information message with no reply required?  I swap out my Thai SIM with a China SIM when I'm in China.

 

Also, that could explain why the KBank debit card was declined after I'd been in the USA for awhile, though the account still had plenty of balance.  That was back around the start of Covid, and I wasn't using my Thai SIM in the USA, either.

 

 

The Kbank debit card has no link with your SIM card, only the K+ application is formatted using your SIM card to post debit and credit opérations as well as transfers, utilities bills, etc...

[Nid_Noi]

21 hours ago, jas007 said:

I use KBank, and now that you mention it, once a year or so when I use the ATM, I get  message about an upcoming charge for a debit card fee. Something like that.  But I never had to do anything at any specific ATM machine.  

It happened to me once at the airport, the debit card had expired.

I never paid attention to the expiry date.

[gargamon]

I refused the k-bank atm card with my account there and pay everything via qr code. No fee, and easier. Doesn't work overseas yet, but I have other cards that work better for that anyway.

[The Fugitive]

1 hour ago, gargamon said:

I refused the k-bank atm card with my account there and pay everything via qr code. No fee, and easier. Doesn't work overseas yet, but I have other cards that work better for that anyway.

Didn't renew my Bangkok Bank debit cards when they expired about eighteen months ago. Have managed without since. Yesterday evening my phone battery was flat and refused to charge. Tried a couple of power banks, various mains chargers and different cables and adapters. Needed to draw some cash. Used a U.K. credit card at local ATM. Wouldn't charge first thing in the morning either. Mid-morning it accepted charging as normal. My backup phone is now too old to install banking apps, hence not a backup in this instance!