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11. Posted by Sam I Am (Admin 5588 posts) 11y

Quoting tway

I've never heard of that type of debit card. Mine can be swiped at the merchant's or used at an ATM - but always for an astronomical fee, unless it's my own bank. Plus I can't use it to reserve anything in advance or put a downpayment on anything (say a bike rental that requires a $100 returnable deposit). And the ATMs is down...

I guess debet cards are different all around the world. The dutch one I have is exactly like a credit card and I use it online all the time to pay (it acts like a 'real' mastercard in these instances). The only difference with a 'real' credit card is that I don't get charged interest. If I use it to take money out of an ATM, it does cost me quite a bit though.

Then I also have a norwegian debet card. Here it's on the same card as the ATM card, so it basically is an atm card sometimes, but a credit card at other times. For example, I use it as an atm card here and overseas to take money out of an atm. When I pay at a merchant overseas though, usually they swipe it as a credit card and I sign for it. It can also be used online and has a photo on the back for id purposes (that really helps in terms of security since a shop would be liable if they allowed a payment that was from someone else than the person on the pic). When I use it as a credit card, the money is deducted when the merchant puts through the request at the credit card company, which can be on the same day or a week later depending on their system. It works very nicely needless to say, but you need to have cash on your account, otherwise it won't allow the payment :)

Interesting to read about the differences in cards in different countries/regions!

12. Posted by tway (Travel Guru 7273 posts) 11y

Wow. My ATM has no picture, I never need to sign anything (although I can't use it anywhere without punching in my PIN), and the numbers on the front are pretty useless. I've never quoted them to anyone - the swipe stripe is the only bit that's of any importance.

That's why I always use my credit card - it's a lot cheaper and much more flexible. If I lost my ATM card, though, I don't think anyone could use it without the PIN.

13. Posted by optimuspri (Budding Member 5 posts) 11y

I use my Credit and Debit cards in exactly the same way..
Both are Visa and pins and a signature strip....It's just my debit card is what money I have (and overdraft!) and my Credit card is money I can borrow...but both are accepted anywhere with a Visa sign...

I'm planning toset up a direct debit from my current account to my credit card so I can pay a set amount (or the minimum 5%) while I'm away so I'll be able to use it for airfares large outlays (i.e non cash)..and have it settled each month...I'm interested in that flexi account if the rates are good.

14. Posted by -kel- (Full Member 38 posts) 11y

Hi mate, I havent got this account myself but I intend to get it before I go travelling next year. It is the Nationwide Flexaccount, it seems to get constantly reccomended by other who have been travelling and those on other boards. They swear by it.

Just a quick question....can anyone apply for this or do you have to be a resident of a certain country??? I'm from australia and it doesn't seem to let me register!?!
Does anyone know of a similar card available in australia for use overseas?

15. Posted by Reece Sanford (Travel Guru 1368 posts) 11y

Tway they dont need your pin to empty your account.The strip on the front can be used to buy goods on the internet or via telephone.

16. Posted by Reece Sanford (Travel Guru 1368 posts) 11y

As for the Nationwide Flexaccount i would check to see if you get charged a conversion fee.You dont get charged using it if you use a Nationwide atm but you may get charged say if you take out us dollars and your bank has to convert that amount into pounds.

17. Posted by MartinH (Full Member 67 posts) 11y

I've gone for the Nationwide advice as mentioned, a friend gave me a copy of Decembers "Which?" magazine which advised this as best for travellers and holiday makers.

Also have a thorough read of this article,71685,

If you are from the UK that is, as far as Nationwide goes then yes I think you have to be British and/or living here.

18. Posted by tway (Travel Guru 7273 posts) 11y

Quoting -reece-

As for the Nationwide Flexaccount i would check to see if you get charged a conversion fee.You dont get charged using it if you use a Nationwide atm but you may get charged say if you take out us dollars and your bank has to convert that amount into pounds.

Reese, our debit cards here work quite differently. When thieves want to empty your account, they first need your PIN. Thieves will replace the mechanism in ATMs that you put your card into. This new mechanism is rigged to record PINs, which they in turn use to empty your account. They've also set up cameras near the ATM to record what people punch in.

In some stores where you can pay with your debit card, workers have been known to use a similar device to record PINs. They'll have you enter the information once, which records it. Then they'll tell you it didn't go through, so they'll have you do it all over again, which enables you to make your purchase.

We can't use our debit card to make purchases on-line or make reservations. Everything is PIN protected - which makes it safer but a lot less flexible.

19. Posted by Reece Sanford (Travel Guru 1368 posts) 11y

Thanks for the advice tway as im going to canada in around 3 weeks.Mind you after what you said i feel safer at home in the uk with using my visa card.after you saying they go as far as cameras to watch you and replace the devices you put your card into im now not sure i want to use my card at all.Is it very common for this to happen in canada?

20. Posted by tway (Travel Guru 7273 posts) 11y

Hi Reece,

I guess that sort of thing is as common here as debit card fraud is anywhere else. I ony know of one person this happened to. I really only wanted to point out that the PIN is key - without it, our debit cards are pretty useless.

I don't think you can use your more flexible debit card here as you would at home, though.

There's a question... does anyone know?