Currancy Exchange
Dec 20th 2004, 8:00 am
#31
Guest
Posts: n/a
Re: Currancy Exchange
[Summary: Probably a communications breakdown. Happens all the time on
Usenet. Read on if you are interested in my view of the events.]
Peter <[email protected]> wrote:
> In article <[email protected]>, Frank Slootweg
> says...
> > Peter <[email protected]> wrote:
> > > In article <[email protected]>, Frank Slootweg
> > > says...
> > > > Peter <[email protected]> wrote:
> > > > > In article <[email protected]>, Geoff Lillico says...
> > > > > > Depends upon your interpretation of the word "outback", but anywhere an
> > > > > > Australian would call "rural" would have an ATM and most larger outback
> > > > > > towns too. Do not be put off by Frank's generalisation.
> > > > >
> > > > > Even if there isn't an ATM as such, the local service station,
> > > > > supermarket, pub (sometimes they are all three in one building) will
> > > > > have EFTPOS and will generally allow you to take cash out with a
> > > > > purchase. Minimum amounts apply - you'd probably have to buy $10 or $20
> > > > > worth of goods to use EFTPOS.
> > > >
> > > > Guys, can you *please* pay attention? As I have mentioned umpteen
> > > > times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> > > > *not* work with *foreign* (debit/credit) cards. As this is a travel
> > > > group and many people, including the OP, are not from Oz, please do not
> > > > give advice which happens to work for you, but does not work for
> > > > foreigners.
> > > >
> > > > Let's make this deal: Until there is a reliable report from a
> > > > 'foreigner' (with exact details about the type and brand of card (s)he
> > > > used) that it *is* possible, the Aussies in this group will refrain from
> > > > saying that it is possible to take cash out with a purchase at EFTPOS.
> > >
> > > Ummm. Foreigners CAN take cash out with EFTPOS. Nobody checks passports.
> > > You just need an Australian bank account and card. I thought that was a
> > > given from reading the discussion.
> >
> > No offense, but exactly which part of "*foreign* (debit/credit) cards"
> > didn't you understand?
>
> I can't quite see how you can criticise a statement I made at 0711 on 20
> Dec by saying I didn't understand a phrase you first used 41 minutes
> *later*.
I was not referring to your 0711 posting, but to your posting:
> Date: Mon, 20 Dec 2004 13:45:38 +1100
> Message-ID: <[email protected]>
i.e. the one of over 6 hours *later*, in which you said:
> Ummm. Foreigners CAN take cash out with EFTPOS. Nobody checks passports.
> You just need an Australian bank account and card. I thought that was a
> given from reading the discussion.
But in that posting *you* *quoted* me saying:
> > Guys, can you *please* pay attention? As I have mentioned umpteen
> > times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> > *not* work with *foreign* (debit/credit) cards. As this is a travel
> > group and many people, including the OP, are not from Oz, please do not
> > give advice which happens to work for you, but does not work for
> > foreigners.
So I called you on, apparently, not reading the "*foreign*
(debit/credit) cards" bit in the part which you quoted. And by the way,
that was not the first time I mentioned foreign cards (in this thread).
I have been doing that all along (as soon as the withdrawing money from
EFTPOS came up), the first time on "Date: 14 Dec 2004 14:08:42 GMT",
i.e. six days earlier, in <news:[email protected]> .
If you *did* read and realize the "*foreign* (debit/credit) cards"
bit, then I think you should have more clear in your response,
especially considering the fact that I had been specifically talking
about foreign cards for (nearly) six days. I.e. acknowledging that you
now realized that I was talking about foreign cards (while you were
not), or/and emphasizing the "Australian" part in your "You just need an
Australian bank account and card.". I.e. you did emphasize "CAN", but
did not emphasize "Australian", while I *had* emphasized "foreign".
I hope this clears up the confusion.
Anyway, all this is rather moot because, as I said, your quote from
the website confirms what I have experienced and have been saying all
along, namely that foreign cards do not work for withdrawing money (from
EFTPOS).
Usenet. Read on if you are interested in my view of the events.]
Peter <[email protected]> wrote:
> In article <[email protected]>, Frank Slootweg
> says...
> > Peter <[email protected]> wrote:
> > > In article <[email protected]>, Frank Slootweg
> > > says...
> > > > Peter <[email protected]> wrote:
> > > > > In article <[email protected]>, Geoff Lillico says...
> > > > > > Depends upon your interpretation of the word "outback", but anywhere an
> > > > > > Australian would call "rural" would have an ATM and most larger outback
> > > > > > towns too. Do not be put off by Frank's generalisation.
> > > > >
> > > > > Even if there isn't an ATM as such, the local service station,
> > > > > supermarket, pub (sometimes they are all three in one building) will
> > > > > have EFTPOS and will generally allow you to take cash out with a
> > > > > purchase. Minimum amounts apply - you'd probably have to buy $10 or $20
> > > > > worth of goods to use EFTPOS.
> > > >
> > > > Guys, can you *please* pay attention? As I have mentioned umpteen
> > > > times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> > > > *not* work with *foreign* (debit/credit) cards. As this is a travel
> > > > group and many people, including the OP, are not from Oz, please do not
> > > > give advice which happens to work for you, but does not work for
> > > > foreigners.
> > > >
> > > > Let's make this deal: Until there is a reliable report from a
> > > > 'foreigner' (with exact details about the type and brand of card (s)he
> > > > used) that it *is* possible, the Aussies in this group will refrain from
> > > > saying that it is possible to take cash out with a purchase at EFTPOS.
> > >
> > > Ummm. Foreigners CAN take cash out with EFTPOS. Nobody checks passports.
> > > You just need an Australian bank account and card. I thought that was a
> > > given from reading the discussion.
> >
> > No offense, but exactly which part of "*foreign* (debit/credit) cards"
> > didn't you understand?
>
> I can't quite see how you can criticise a statement I made at 0711 on 20
> Dec by saying I didn't understand a phrase you first used 41 minutes
> *later*.
I was not referring to your 0711 posting, but to your posting:
> Date: Mon, 20 Dec 2004 13:45:38 +1100
> Message-ID: <[email protected]>
i.e. the one of over 6 hours *later*, in which you said:
> Ummm. Foreigners CAN take cash out with EFTPOS. Nobody checks passports.
> You just need an Australian bank account and card. I thought that was a
> given from reading the discussion.
But in that posting *you* *quoted* me saying:
> > Guys, can you *please* pay attention? As I have mentioned umpteen
> > times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> > *not* work with *foreign* (debit/credit) cards. As this is a travel
> > group and many people, including the OP, are not from Oz, please do not
> > give advice which happens to work for you, but does not work for
> > foreigners.
So I called you on, apparently, not reading the "*foreign*
(debit/credit) cards" bit in the part which you quoted. And by the way,
that was not the first time I mentioned foreign cards (in this thread).
I have been doing that all along (as soon as the withdrawing money from
EFTPOS came up), the first time on "Date: 14 Dec 2004 14:08:42 GMT",
i.e. six days earlier, in <news:[email protected]> .
If you *did* read and realize the "*foreign* (debit/credit) cards"
bit, then I think you should have more clear in your response,
especially considering the fact that I had been specifically talking
about foreign cards for (nearly) six days. I.e. acknowledging that you
now realized that I was talking about foreign cards (while you were
not), or/and emphasizing the "Australian" part in your "You just need an
Australian bank account and card.". I.e. you did emphasize "CAN", but
did not emphasize "Australian", while I *had* emphasized "foreign".
I hope this clears up the confusion.
Anyway, all this is rather moot because, as I said, your quote from
the website confirms what I have experienced and have been saying all
along, namely that foreign cards do not work for withdrawing money (from
EFTPOS).
Dec 20th 2004, 8:03 am
#32
Guest
Posts: n/a
Re: Currancy Exchange
In article <[email protected]>, Frank Slootweg
says...
> I hope this clears up the confusion.
I think you've got it quite wrong, but perhaps we can talk about the
weather instead.
Pete, muddying the waters
says...
> I hope this clears up the confusion.
I think you've got it quite wrong, but perhaps we can talk about the
weather instead.
Pete, muddying the waters
Dec 20th 2004, 8:14 am
#33
Guest
Posts: n/a
Re: Currancy Exchange
Dave Proctor <[email protected]> wrote:
> On 19 Dec 2004 20:52:53 GMT, Frank Slootweg <[email protected]>
> wrote:
>
> >Peter <[email protected]> wrote:
> >> In article <[email protected]>, Geoff Lillico says...
> >> > Depends upon your interpretation of the word "outback", but anywhere an
> >> > Australian would call "rural" would have an ATM and most larger outback
> >> > towns too. Do not be put off by Frank's generalisation.
> >>
> >> Even if there isn't an ATM as such, the local service station,
> >> supermarket, pub (sometimes they are all three in one building) will
> >> have EFTPOS and will generally allow you to take cash out with a
> >> purchase. Minimum amounts apply - you'd probably have to buy $10 or $20
> >> worth of goods to use EFTPOS.
> >
> > Guys, can you *please* pay attention? As I have mentioned umpteen
> >times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> >*not* work with *foreign* (debit/credit) cards.
>
> Of course it does. If the petrol/drinks/food purchase comes to $50 and
> you want $50 cash, they just make the EFTPOS charge for $100. Happens
> all the time.
Sigh! Can you please pay attention when someone *asks* "Guys, can you
*please* pay attention?" and repeats and emphasizes the important bits?
I.e., please *read* my posting, including the parts which you snipped.
I am talking about (foreigners with) *foreign* cards. What you, and
Peter, are talking about are *Australian* cards, i.e. the ones which
your run-of-the-mill foreigner does *not* have.
But you don't have to believe me, just look at the website quote in
Peter's posting <[email protected]> of
"Date: Mon, 20 Dec 2004 13:45:38 +1100".
> On 19 Dec 2004 20:52:53 GMT, Frank Slootweg <[email protected]>
> wrote:
>
> >Peter <[email protected]> wrote:
> >> In article <[email protected]>, Geoff Lillico says...
> >> > Depends upon your interpretation of the word "outback", but anywhere an
> >> > Australian would call "rural" would have an ATM and most larger outback
> >> > towns too. Do not be put off by Frank's generalisation.
> >>
> >> Even if there isn't an ATM as such, the local service station,
> >> supermarket, pub (sometimes they are all three in one building) will
> >> have EFTPOS and will generally allow you to take cash out with a
> >> purchase. Minimum amounts apply - you'd probably have to buy $10 or $20
> >> worth of goods to use EFTPOS.
> >
> > Guys, can you *please* pay attention? As I have mentioned umpteen
> >times in *this* thread, "taking cash out with a purchase" at EFTPOS does
> >*not* work with *foreign* (debit/credit) cards.
>
> Of course it does. If the petrol/drinks/food purchase comes to $50 and
> you want $50 cash, they just make the EFTPOS charge for $100. Happens
> all the time.
Sigh! Can you please pay attention when someone *asks* "Guys, can you
*please* pay attention?" and repeats and emphasizes the important bits?
I.e., please *read* my posting, including the parts which you snipped.
I am talking about (foreigners with) *foreign* cards. What you, and
Peter, are talking about are *Australian* cards, i.e. the ones which
your run-of-the-mill foreigner does *not* have.
But you don't have to believe me, just look at the website quote in
Peter's posting <[email protected]> of
"Date: Mon, 20 Dec 2004 13:45:38 +1100".
Dec 20th 2004, 8:17 am
#34
Guest
Posts: n/a
Re: Currancy Exchange
Geoff Lillico <[email protected]> wrote:
> I was simply concerned that "rural" might be interpreted by some as anything
> outside of the capital cities.
Fair enough! For my education, can you (try to) give a description of
what is meant by "rural", so that I can check if my interpretation/
usage of the term is (more or less) correct? Thanks.
> I was simply concerned that "rural" might be interpreted by some as anything
> outside of the capital cities.
Fair enough! For my education, can you (try to) give a description of
what is meant by "rural", so that I can check if my interpretation/
usage of the term is (more or less) correct? Thanks.
Dec 20th 2004, 8:30 am
#35
Guest
Posts: n/a
Re: Currancy Exchange
Peter <[email protected]> wrote:
> In article <[email protected]>, Geoff Lillico says...
> > I was simply concerned that "rural" might be interpreted by some as
> > anything outside of the capital cities.
>
> As opposed to regional and remote.
I have a good idea of "remote", i.e. for example Birdsville track or
probably even the Simpson desert.
I would not use "regional" to illustrate the possible absence of ATMs.
Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
use "regio[naal]", but that has nothing to do with not being in a big/
capital city. For example we have a "regional paper" which covers the
area where we live, including the small and larger towns", but we also
talk about the "regio[n] Amsterdam", which is the 'big' city with its
suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
outside a city.
> In article <[email protected]>, Geoff Lillico says...
> > I was simply concerned that "rural" might be interpreted by some as
> > anything outside of the capital cities.
>
> As opposed to regional and remote.
I have a good idea of "remote", i.e. for example Birdsville track or
probably even the Simpson desert.
I would not use "regional" to illustrate the possible absence of ATMs.
Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
use "regio[naal]", but that has nothing to do with not being in a big/
capital city. For example we have a "regional paper" which covers the
area where we live, including the small and larger towns", but we also
talk about the "regio[n] Amsterdam", which is the 'big' city with its
suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
outside a city.
Dec 20th 2004, 8:40 am
#36
Guest
Posts: n/a
Re: Currancy Exchange
Peter <[email protected]> wrote:
> In article <[email protected]>, Frank Slootweg
> says...
> > I hope this clears up the confusion.
>
> I think you've got it quite wrong, but perhaps we can talk about the
> weather instead.
Please be *specific*, do you *want* to talk about the weather or
*not*!? :-)
> Pete, muddying the waters
I *hate* puns about my name! :-) (Gerrit will understand.)
But seriously: Thanks for your friendly response. Apparently I must
try harder next time!
> In article <[email protected]>, Frank Slootweg
> says...
> > I hope this clears up the confusion.
>
> I think you've got it quite wrong, but perhaps we can talk about the
> weather instead.
Please be *specific*, do you *want* to talk about the weather or
*not*!? :-)
> Pete, muddying the waters
I *hate* puns about my name! :-) (Gerrit will understand.)
But seriously: Thanks for your friendly response. Apparently I must
try harder next time!
Dec 20th 2004, 11:47 am
#37
Guest
Posts: n/a
Re: Currancy Exchange
In article <[email protected]>, Frank Slootweg
says...
> Peter <[email protected]> wrote:
> > In article <[email protected]>, Geoff Lillico says...
> > > I was simply concerned that "rural" might be interpreted by some as
> > > anything outside of the capital cities.
> >
> > As opposed to regional and remote.
>
> I have a good idea of "remote", i.e. for example Birdsville track or
> probably even the Simpson desert.
>
> I would not use "regional" to illustrate the possible absence of ATMs.
> Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
> use "regio[naal]", but that has nothing to do with not being in a big/
> capital city. For example we have a "regional paper" which covers the
> area where we live, including the small and larger towns", but we also
> talk about the "regio[n] Amsterdam", which is the 'big' city with its
> suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
> outside a city.
Remote Australia is pretty much the outback and anything that is a long
way from big cities. Regional Australia are the minor cities and their
immediate surrounds. Places like Yass and Goulburn. Rural Australia is
pretty much everything in between where people live.
Regional centres will have banks and ATMs. Rural Australia might have to
make do with EFTPOS, though a bank branch will be within an hour's
drive. And remote Australia, well you takes your chances.
says...
> Peter <[email protected]> wrote:
> > In article <[email protected]>, Geoff Lillico says...
> > > I was simply concerned that "rural" might be interpreted by some as
> > > anything outside of the capital cities.
> >
> > As opposed to regional and remote.
>
> I have a good idea of "remote", i.e. for example Birdsville track or
> probably even the Simpson desert.
>
> I would not use "regional" to illustrate the possible absence of ATMs.
> Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
> use "regio[naal]", but that has nothing to do with not being in a big/
> capital city. For example we have a "regional paper" which covers the
> area where we live, including the small and larger towns", but we also
> talk about the "regio[n] Amsterdam", which is the 'big' city with its
> suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
> outside a city.
Remote Australia is pretty much the outback and anything that is a long
way from big cities. Regional Australia are the minor cities and their
immediate surrounds. Places like Yass and Goulburn. Rural Australia is
pretty much everything in between where people live.
Regional centres will have banks and ATMs. Rural Australia might have to
make do with EFTPOS, though a bank branch will be within an hour's
drive. And remote Australia, well you takes your chances.
Dec 20th 2004, 4:32 pm
#38
Guest
Posts: n/a
Re: Currancy Exchange
Whilst not specifically relating to ATMs, the following might be of
interest -
http://www.ballarat.edu.au/ard/resea...ndRegional.doc
Geoff Lillico
[email protected]
www.the-commissioner.com
"Frank Slootweg" <[email protected]> wrote in message
news:[email protected]...
> Geoff Lillico <[email protected]> wrote:
>> I was simply concerned that "rural" might be interpreted by some as
>> anything
>> outside of the capital cities.
> Fair enough! For my education, can you (try to) give a description of
> what is meant by "rural", so that I can check if my interpretation/
> usage of the term is (more or less) correct? Thanks.
interest -
http://www.ballarat.edu.au/ard/resea...ndRegional.doc
Geoff Lillico
[email protected]
www.the-commissioner.com
"Frank Slootweg" <[email protected]> wrote in message
news:[email protected]...
> Geoff Lillico <[email protected]> wrote:
>> I was simply concerned that "rural" might be interpreted by some as
>> anything
>> outside of the capital cities.
> Fair enough! For my education, can you (try to) give a description of
> what is meant by "rural", so that I can check if my interpretation/
> usage of the term is (more or less) correct? Thanks.
Dec 20th 2004, 4:52 pm
#39
Guest
Posts: n/a
Re: Currancy Exchange
FWIW, I have successfully used an Australian ATM card (Woolies banking,
thru CBA) linked to 'Cirrus' or 'Maestro', as an EFTPOS card in the USA
recently. Even got 'cashback' (called 'cashout' here, I think). The same
card also worked fine when used as an EFTPOS card at the 'pay at the pump'
facilites at gas stations there.
Dom
"A Mate" <[email protected]> wrote in message
news:[email protected] ...
> Sorry - I misread your reply.
>
> In fact EFTPOS has never worked for me, outside Australia, not even in
NZ!!
>
> I 'run' a Visa (Plus affiliated) card, which is linked to an overdraft
> facility as well as having an inbuilt credit limit. A sort of hybrid
> debit/credit card - not uncommon in Australia. I can withdraw cash up to
my
> balance + my credit limit.
>
> It has worked as an ATM card in locations as disparate as Turkey,
Canada,
> Vietnam, Rome, Ireland etc etc; but I've never been able to use it for
> eftpos outside Australia!!
>
>
>
>
>
> "Frank Slootweg" <[email protected]> wrote in message
> news:[email protected]...
> >A Mate <[email protected]> wrote:
> >> Frank,
> >> Plus is the Visa cash network - and while possibly unknown by name
to
> >> many
> >> Europeans - in existence throughout virtually all the 'electronically
> >> connected' world. There are many interlocking and overlapping
networks
> >> operating almost everywhere - most ATMs carry logos from the common
> >> networks
> >> in their neck of the woods only - but your bank should be able to
tell
> >> you
> >> just which worldwide networks your card will operate on!!
> >>
> >> There would be very few cards which are not affiliated with Plus!!
> >
> > Note that I was talking about withdrawing money from an *EFTPOS*
> > establishment (i.e. a shop, service station, etc.), *not* from an
*ATM*.
> >
> > *ATMs* are indeed no problem for our European/Dutch debit cards (nor
for
> > our credit cards), but, as I wrote/detailed, *EFTPOS* *is*, as far as
> > withdrawing money is concerned (for both our credit cards and our
debit
> > cards). FWIW, two of the non-working cards were issued by ABN-AMRO
> > (perhaps known as ABN in Oz), which is a well-known world-wide bank.
> >
> > Bottom line: Don't assume that a *foreign* credit (or debit) card
will
> > work for *withdrawing* money from *EFTPOS*.
> >
> > Sorry for all the emphasis, but few people seem to understand the
> > difference between pay/withdraw, credit/debit and ATM/EFTPOS.
> >
> >> "Frank Slootweg" <[email protected]> wrote in message
> >> news:[email protected]...
> >> > Gerrit 't Hart <[email protected]> wrote:
> >> >>
> >> >> "Frank Slootweg" <[email protected]> wrote in message
> >> >> news:[email protected]...
> >> >> > A Mate <[email protected]> wrote:
> >> >> > > Travellers Cheques are no longer used much. ATM's are almost
> >> >> > > everywhere
> >> >> > > (even in the outback you can withdraw money through your
credit
> >> >> > > card
> >> >> using
> >> >> > > eftpos).
> >> >> >
> >> >> > In our experience [1], that (withdrawing money using EFTPOS)
only
> >> >> > works for a *debit* card and then only for the *right* debit
card. A
> >> >> > (non-Oz) MasterCard credit card does *not* work an nor does a
> >> >> > European
> >> >> > "Europas" or "Worldpass" debit card. So beware. Hence my earlier
> >> >> > advice.
> >> >>
> >> >> Theoretically using a credit card with the Plus symbol on it
should
> >> >> enable
> >> >> you to withdraw direct from your Chequing account, or your savings
> >> >> account,
> >> >> whichever is connected on the card. However I would not bet on it.
> >> >> Several
> >> >> months ago we were in Europe (Netherlands) and tried to withdraw
from
> >> >> my
> >> >> cheque account but the ATMs in Holland wouldn't let me do it! I
> >> >> checked
> >> >> with
> >> >> the bank (owning two of those ATMs and their staff didn't have a
clue
> >> >> as
> >> >> to
> >> >> what the Plus symbol meant. So I gave up and used the credit card
> >> >> normally.
> >> >> Placed a fairly large credit onto the card account and so saved
> >> >> interest
> >> >> charges on withdrawals.
> >> >> BTW the Plus function works in Australia and Singapore. But if
your
> >> >> own
> >> >> bank
> >> >> has a problem with this you could still be in hot water if you are
> >> >> relying
> >> >> on it.
> >> >
> >> > Indeed, "Plus" is unknown in The Netherlands and probably in most
of
> >> > Europe and quite possibly also in the UK where the OP is from.
> >> >
> >> > That is why I posted what I posted: I.e. Australians should not
assume
> >> > that just because they can do some thing with *their* (i.e.
Australian)
> >> > cards, that 'foreigners' can do the same with their (foreign)
cards.
> >> >
> >> > So it would be nice if another person from the UK could post
his/her
> >> > positive/negative experience with withdrawing money from an
Australian
> >> > EFTPOS establishment.
>
>
thru CBA) linked to 'Cirrus' or 'Maestro', as an EFTPOS card in the USA
recently. Even got 'cashback' (called 'cashout' here, I think). The same
card also worked fine when used as an EFTPOS card at the 'pay at the pump'
facilites at gas stations there.
Dom
"A Mate" <[email protected]> wrote in message
news:[email protected] ...
> Sorry - I misread your reply.
>
> In fact EFTPOS has never worked for me, outside Australia, not even in
NZ!!
>
> I 'run' a Visa (Plus affiliated) card, which is linked to an overdraft
> facility as well as having an inbuilt credit limit. A sort of hybrid
> debit/credit card - not uncommon in Australia. I can withdraw cash up to
my
> balance + my credit limit.
>
> It has worked as an ATM card in locations as disparate as Turkey,
Canada,
> Vietnam, Rome, Ireland etc etc; but I've never been able to use it for
> eftpos outside Australia!!
>
>
>
>
>
> "Frank Slootweg" <[email protected]> wrote in message
> news:[email protected]...
> >A Mate <[email protected]> wrote:
> >> Frank,
> >> Plus is the Visa cash network - and while possibly unknown by name
to
> >> many
> >> Europeans - in existence throughout virtually all the 'electronically
> >> connected' world. There are many interlocking and overlapping
networks
> >> operating almost everywhere - most ATMs carry logos from the common
> >> networks
> >> in their neck of the woods only - but your bank should be able to
tell
> >> you
> >> just which worldwide networks your card will operate on!!
> >>
> >> There would be very few cards which are not affiliated with Plus!!
> >
> > Note that I was talking about withdrawing money from an *EFTPOS*
> > establishment (i.e. a shop, service station, etc.), *not* from an
*ATM*.
> >
> > *ATMs* are indeed no problem for our European/Dutch debit cards (nor
for
> > our credit cards), but, as I wrote/detailed, *EFTPOS* *is*, as far as
> > withdrawing money is concerned (for both our credit cards and our
debit
> > cards). FWIW, two of the non-working cards were issued by ABN-AMRO
> > (perhaps known as ABN in Oz), which is a well-known world-wide bank.
> >
> > Bottom line: Don't assume that a *foreign* credit (or debit) card
will
> > work for *withdrawing* money from *EFTPOS*.
> >
> > Sorry for all the emphasis, but few people seem to understand the
> > difference between pay/withdraw, credit/debit and ATM/EFTPOS.
> >
> >> "Frank Slootweg" <[email protected]> wrote in message
> >> news:[email protected]...
> >> > Gerrit 't Hart <[email protected]> wrote:
> >> >>
> >> >> "Frank Slootweg" <[email protected]> wrote in message
> >> >> news:[email protected]...
> >> >> > A Mate <[email protected]> wrote:
> >> >> > > Travellers Cheques are no longer used much. ATM's are almost
> >> >> > > everywhere
> >> >> > > (even in the outback you can withdraw money through your
credit
> >> >> > > card
> >> >> using
> >> >> > > eftpos).
> >> >> >
> >> >> > In our experience [1], that (withdrawing money using EFTPOS)
only
> >> >> > works for a *debit* card and then only for the *right* debit
card. A
> >> >> > (non-Oz) MasterCard credit card does *not* work an nor does a
> >> >> > European
> >> >> > "Europas" or "Worldpass" debit card. So beware. Hence my earlier
> >> >> > advice.
> >> >>
> >> >> Theoretically using a credit card with the Plus symbol on it
should
> >> >> enable
> >> >> you to withdraw direct from your Chequing account, or your savings
> >> >> account,
> >> >> whichever is connected on the card. However I would not bet on it.
> >> >> Several
> >> >> months ago we were in Europe (Netherlands) and tried to withdraw
from
> >> >> my
> >> >> cheque account but the ATMs in Holland wouldn't let me do it! I
> >> >> checked
> >> >> with
> >> >> the bank (owning two of those ATMs and their staff didn't have a
clue
> >> >> as
> >> >> to
> >> >> what the Plus symbol meant. So I gave up and used the credit card
> >> >> normally.
> >> >> Placed a fairly large credit onto the card account and so saved
> >> >> interest
> >> >> charges on withdrawals.
> >> >> BTW the Plus function works in Australia and Singapore. But if
your
> >> >> own
> >> >> bank
> >> >> has a problem with this you could still be in hot water if you are
> >> >> relying
> >> >> on it.
> >> >
> >> > Indeed, "Plus" is unknown in The Netherlands and probably in most
of
> >> > Europe and quite possibly also in the UK where the OP is from.
> >> >
> >> > That is why I posted what I posted: I.e. Australians should not
assume
> >> > that just because they can do some thing with *their* (i.e.
Australian)
> >> > cards, that 'foreigners' can do the same with their (foreign)
cards.
> >> >
> >> > So it would be nice if another person from the UK could post
his/her
> >> > positive/negative experience with withdrawing money from an
Australian
> >> > EFTPOS establishment.
>
>
Dec 20th 2004, 6:28 pm
#40
Guest
Posts: n/a
Re: Currancy Exchange
In Australia, withdrawing cash at the shop is called "cashout", or
"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
not available when doing a VISA / MasterCard purchase transaction
(regardless of where the VISA / MasterCard card was issued).
To make things clear, "EFTPOS" is where you swipe your card through the
terminal at the shop, press the "cheque" or "savings" button (not the
"credit" button) on the terminal, check the amount, and then enter your
PIN (4 - 12 digits). The funds are immediately withdrawn from your account.
As far as I am aware, the only overseas-issued card that will work for
EFTPOS transactions in Australia (and hence the only overseeas-issued
card that could possibly be used for EFTPOS cashout) is the
(overseas-issued) Maestro card. However, unlike Australian cards, the
(overseas-issued) Maestro card will only work at EFTPOS merchants using
the Commonwealth Bank as their acquirer.
http://www.maestrocard.com
Among the major Commonwealth Bank EFTPOS merchants (they display the
Maestro sticker) are Woolworths / Big W, and Australia Post.
So for the major supermarkets in Australia, the (overseas-issued)
Maestro card should work at Woolworths (Commonwealth Bank EFTPOS
merchant), but not at Coles (National Australia Bank EFTPOS merchant).
Note:
* I am not aware of anyone actually having done this transaction.
* I don't know which button you would need to push - cheque or savings.
You may have to try both, or either might work.
* EFTPOS merchants set their own policies regarding EFTPOS cashout.
Supermarkets allow up to about $500 cashout. Many EFTPOS merchants have
a policy of "No EFTPOS cashout", such as Australia Post (Post Offices).
Frank Slootweg wrote:
>>>>> Guys, can you *please* pay attention? As I have mentioned umpteen
>>>>>times in *this* thread, "taking cash out with a purchase" at EFTPOS does
>>>>>*not* work with *foreign* (debit/credit) cards. As this is a travel
>>>>>group and many people, including the OP, are not from Oz, please do not
>>>>>give advice which happens to work for you, but does not work for
>>>>>foreigners.
>>>>> Let's make this deal: Until there is a reliable report from a
>>>>>'foreigner' (with exact details about the type and brand of card (s)he
>>>>>used) that it *is* possible, the Aussies in this group will refrain from
>>>>>saying that it is possible to take cash out with a purchase at EFTPOS.
>
>
> So I called you on, apparently, not reading the "*foreign*
> (debit/credit) cards" bit in the part which you quoted. And by the way,
> that was not the first time I mentioned foreign cards (in this thread).
> I have been doing that all along (as soon as the withdrawing money from
> EFTPOS came up), the first time on "Date: 14 Dec 2004 14:08:42 GMT",
> i.e. six days earlier, in <news:[email protected]> .
>
> I hope this clears up the confusion.
>
> Anyway, all this is rather moot because, as I said, your quote from
> the website confirms what I have experienced and have been saying all
> along, namely that foreign cards do not work for withdrawing money (from
> EFTPOS).
"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
not available when doing a VISA / MasterCard purchase transaction
(regardless of where the VISA / MasterCard card was issued).
To make things clear, "EFTPOS" is where you swipe your card through the
terminal at the shop, press the "cheque" or "savings" button (not the
"credit" button) on the terminal, check the amount, and then enter your
PIN (4 - 12 digits). The funds are immediately withdrawn from your account.
As far as I am aware, the only overseas-issued card that will work for
EFTPOS transactions in Australia (and hence the only overseeas-issued
card that could possibly be used for EFTPOS cashout) is the
(overseas-issued) Maestro card. However, unlike Australian cards, the
(overseas-issued) Maestro card will only work at EFTPOS merchants using
the Commonwealth Bank as their acquirer.
http://www.maestrocard.com
Among the major Commonwealth Bank EFTPOS merchants (they display the
Maestro sticker) are Woolworths / Big W, and Australia Post.
So for the major supermarkets in Australia, the (overseas-issued)
Maestro card should work at Woolworths (Commonwealth Bank EFTPOS
merchant), but not at Coles (National Australia Bank EFTPOS merchant).
Note:
* I am not aware of anyone actually having done this transaction.
* I don't know which button you would need to push - cheque or savings.
You may have to try both, or either might work.
* EFTPOS merchants set their own policies regarding EFTPOS cashout.
Supermarkets allow up to about $500 cashout. Many EFTPOS merchants have
a policy of "No EFTPOS cashout", such as Australia Post (Post Offices).
Frank Slootweg wrote:
>>>>> Guys, can you *please* pay attention? As I have mentioned umpteen
>>>>>times in *this* thread, "taking cash out with a purchase" at EFTPOS does
>>>>>*not* work with *foreign* (debit/credit) cards. As this is a travel
>>>>>group and many people, including the OP, are not from Oz, please do not
>>>>>give advice which happens to work for you, but does not work for
>>>>>foreigners.
>>>>> Let's make this deal: Until there is a reliable report from a
>>>>>'foreigner' (with exact details about the type and brand of card (s)he
>>>>>used) that it *is* possible, the Aussies in this group will refrain from
>>>>>saying that it is possible to take cash out with a purchase at EFTPOS.
>
>
> So I called you on, apparently, not reading the "*foreign*
> (debit/credit) cards" bit in the part which you quoted. And by the way,
> that was not the first time I mentioned foreign cards (in this thread).
> I have been doing that all along (as soon as the withdrawing money from
> EFTPOS came up), the first time on "Date: 14 Dec 2004 14:08:42 GMT",
> i.e. six days earlier, in <news:[email protected]> .
>
> I hope this clears up the confusion.
>
> Anyway, all this is rather moot because, as I said, your quote from
> the website confirms what I have experienced and have been saying all
> along, namely that foreign cards do not work for withdrawing money (from
> EFTPOS).
Dec 20th 2004, 9:12 pm
#41
Guest
Posts: n/a
Re: Currancy Exchange
Peter <[email protected]> wrote:
> In article <[email protected]>, Frank Slootweg
> says...
> > Peter <[email protected]> wrote:
> > > In article <[email protected]>, Geoff Lillico says...
> > > > I was simply concerned that "rural" might be interpreted by some as
> > > > anything outside of the capital cities.
> > >
> > > As opposed to regional and remote.
> >
> > I have a good idea of "remote", i.e. for example Birdsville track or
> > probably even the Simpson desert.
> >
> > I would not use "regional" to illustrate the possible absence of ATMs.
> > Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
> > use "regio[naal]", but that has nothing to do with not being in a big/
> > capital city. For example we have a "regional paper" which covers the
> > area where we live, including the small and larger towns", but we also
> > talk about the "regio[n] Amsterdam", which is the 'big' city with its
> > suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
> > outside a city.
>
> Remote Australia is pretty much the outback and anything that is a long
> way from big cities. Regional Australia are the minor cities and their
> immediate surrounds. Places like Yass and Goulburn. Rural Australia is
> pretty much everything in between where people live.
>
> Regional centres will have banks and ATMs. Rural Australia might have to
> make do with EFTPOS, though a bank branch will be within an hour's
> drive. And remote Australia, well you takes your chances.
Thanks. So it looks like my usage of "rural areas" and "the outback"
was right after all. I'm glad, not for being 'right' but for correctly
understanding what is what.
> In article <[email protected]>, Frank Slootweg
> says...
> > Peter <[email protected]> wrote:
> > > In article <[email protected]>, Geoff Lillico says...
> > > > I was simply concerned that "rural" might be interpreted by some as
> > > > anything outside of the capital cities.
> > >
> > > As opposed to regional and remote.
> >
> > I have a good idea of "remote", i.e. for example Birdsville track or
> > probably even the Simpson desert.
> >
> > I would not use "regional" to illustrate the possible absence of ATMs.
> > Is there any reason that I should? So, what *is* "regional"? (We (Dutch)
> > use "regio[naal]", but that has nothing to do with not being in a big/
> > capital city. For example we have a "regional paper" which covers the
> > area where we live, including the small and larger towns", but we also
> > talk about the "regio[n] Amsterdam", which is the 'big' city with its
> > suburbs, etc.. So "regio[naal]" can apply both to a city and to an area
> > outside a city.
>
> Remote Australia is pretty much the outback and anything that is a long
> way from big cities. Regional Australia are the minor cities and their
> immediate surrounds. Places like Yass and Goulburn. Rural Australia is
> pretty much everything in between where people live.
>
> Regional centres will have banks and ATMs. Rural Australia might have to
> make do with EFTPOS, though a bank branch will be within an hour's
> drive. And remote Australia, well you takes your chances.
Thanks. So it looks like my usage of "rural areas" and "the outback"
was right after all. I'm glad, not for being 'right' but for correctly
understanding what is what.
Dec 20th 2004, 11:02 pm
#42
Guest
Posts: n/a
Re: Currancy Exchange
"Frank Slootweg" <[email protected]> wrote in message
news:[email protected]...
> artwahh <[email protected]> wrote:
>> We are travelling to Oz very shortly. We are seeking advice on the best
>> way
>> to take the cash there. We have debit cards, credit cards and money in
>> the
>> savings. Do we get travellers cheques? or take our cards??????
>> Any help would be much appreciated
>> Thanks
> A credit card and a spare one (in case anything happens to the first
> one) and some cash (drawn from an ATM upon arrival) to get you through
> the next few days (in case there is no ATM, it is
> closed/broken/empty/limited/etc.).
Mind that yo don't keep all your cards together (I just sent my wallet on an
unaccompanied cab ride around Singapore) and check that cancelling a primary
card won't automatically disable your backups.
Dave Campbell
news:[email protected]...
> artwahh <[email protected]> wrote:
>> We are travelling to Oz very shortly. We are seeking advice on the best
>> way
>> to take the cash there. We have debit cards, credit cards and money in
>> the
>> savings. Do we get travellers cheques? or take our cards??????
>> Any help would be much appreciated
>> Thanks
> A credit card and a spare one (in case anything happens to the first
> one) and some cash (drawn from an ATM upon arrival) to get you through
> the next few days (in case there is no ATM, it is
> closed/broken/empty/limited/etc.).
Mind that yo don't keep all your cards together (I just sent my wallet on an
unaccompanied cab ride around Singapore) and check that cancelling a primary
card won't automatically disable your backups.
Dave Campbell
Dec 22nd 2004, 5:18 am
#43
Guest
Posts: n/a
Re: Currancy Exchange
On Tue, 21 Dec 2004 16:28:00 +0900, z <[email protected]> wrote:
>In Australia, withdrawing cash at the shop is called "cashout", or
>"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
>not available when doing a VISA / MasterCard purchase transaction
>(regardless of where the VISA / MasterCard card was issued).
It has been known to happen however.
Dave
=====
NSW Rural Fire Service - become a volunteer today.
http://www.rfs.nsw.gov.au/
>In Australia, withdrawing cash at the shop is called "cashout", or
>"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
>not available when doing a VISA / MasterCard purchase transaction
>(regardless of where the VISA / MasterCard card was issued).
It has been known to happen however.
Dave
=====
NSW Rural Fire Service - become a volunteer today.
http://www.rfs.nsw.gov.au/
Dec 22nd 2004, 5:52 am
#44
Guest
Posts: n/a
Re: Currancy Exchange
I have Australian Credit Union, Visa card ANZ master card, and live in
Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos
weekly for the last two years, Mastercard no cashout. I asked both banks b4
leaving Aus.. It must be able to be programmed onto visa card somehow, or in
the system somewhere, whether the card is permitted to cash out
--
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Catalog of removal tools (1)
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Catalog of removal tools (2)
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Blocking Unwanted Parasites with a Hosts file
http://mvps.org/winhelp2002/hosts.htm
links provided as a courtesy, read all instructions on the pages before use
Grateful thanks to the authors/webmasters
_
"Dave Proctor" <[email protected]> wrote in message
news:[email protected]...
> On Tue, 21 Dec 2004 16:28:00 +0900, z <[email protected]> wrote:
> >In Australia, withdrawing cash at the shop is called "cashout", or
> >"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
> >not available when doing a VISA / MasterCard purchase transaction
> >(regardless of where the VISA / MasterCard card was issued).
> It has been known to happen however.
> Dave
> =====
> NSW Rural Fire Service - become a volunteer today.
> http://www.rfs.nsw.gov.au/
Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos
weekly for the last two years, Mastercard no cashout. I asked both banks b4
leaving Aus.. It must be able to be programmed onto visa card somehow, or in
the system somewhere, whether the card is permitted to cash out
--
Adaware http://www.lavasoft.de
spybot http://security.kolla.de
AVG free antivirus http://www.grisoft.com
Etrust/vet/CA 12 Month free trial (till Feb 2005)
http://www.my-etrust.com/microsoft/
Etrust/Vet/CA.online Antivirus scan
http://www3.ca.com/securityadvisor/virusinfo/scan.aspx
Panda online AntiVirus scan http://www.pandasoftware.com/ActiveScan/
Catalog of removal tools (1)
http://www.pandasoftware.com/download/utilities/
Catalog of removal tools (2)
http://www3.ca.com/securityadvisor/n...aspx?CID=40387
Blocking Unwanted Parasites with a Hosts file
http://mvps.org/winhelp2002/hosts.htm
links provided as a courtesy, read all instructions on the pages before use
Grateful thanks to the authors/webmasters
_
"Dave Proctor" <[email protected]> wrote in message
news:[email protected]...
> On Tue, 21 Dec 2004 16:28:00 +0900, z <[email protected]> wrote:
> >In Australia, withdrawing cash at the shop is called "cashout", or
> >"EFTPOS cashout". Cashout is only available with EFTPOS. Cashout is
> >not available when doing a VISA / MasterCard purchase transaction
> >(regardless of where the VISA / MasterCard card was issued).
> It has been known to happen however.
> Dave
> =====
> NSW Rural Fire Service - become a volunteer today.
> http://www.rfs.nsw.gov.au/
Dec 23rd 2004, 3:09 am
#45
Guest
Posts: n/a
Re: Currancy Exchange
On Wed, 22 Dec 2004 18:52:03 GMT, "AlmostBob"
<[email protected]> wrote:
>I have Australian Credit Union, Visa card ANZ master card, and live in
>Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos
>weekly for the last two years, Mastercard no cashout. I asked both banks b4
>leaving Aus.. It must be able to be programmed onto visa card somehow, or in
>the system somewhere, whether the card is permitted to cash out
It is a mindlessly trivial thing to do, as long as the credit card
system is not linked to the cash register - i.e. a stand alone system.
If the stuff you are buying is worth $45.20 (as an example) and you
want $30 cash, you just run the charge through for $75.20.
Dave
=====
NSW Rural Fire Service - become a volunteer today.
http://www.rfs.nsw.gov.au/
<[email protected]> wrote:
>I have Australian Credit Union, Visa card ANZ master card, and live in
>Canada, and get Visa cash outs at 'interact' terminals the Canadian eftpos
>weekly for the last two years, Mastercard no cashout. I asked both banks b4
>leaving Aus.. It must be able to be programmed onto visa card somehow, or in
>the system somewhere, whether the card is permitted to cash out
It is a mindlessly trivial thing to do, as long as the credit card
system is not linked to the cash register - i.e. a stand alone system.
If the stuff you are buying is worth $45.20 (as an example) and you
want $30 cash, you just run the charge through for $75.20.
Dave
=====
NSW Rural Fire Service - become a volunteer today.
http://www.rfs.nsw.gov.au/
