Bank ATM fees in Scandinavia
#1
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My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any ATM
transaction I do in Europe, and give me the money at the interbank exchange
rate. I can live with that, if I have to. However, I'd like to know if the
banks in Denmark, Sweden, and Norway will charge me a fee if I use their
ATMs. One of the travel books I have read says that Danish ATMs charge a
25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
anywhere else, and most sources say ATMs are a better bet than travellers'
cheques.
So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
network? I'm hopeful the fee is zero, but I'm not counting on it.
Traveler
transaction I do in Europe, and give me the money at the interbank exchange
rate. I can live with that, if I have to. However, I'd like to know if the
banks in Denmark, Sweden, and Norway will charge me a fee if I use their
ATMs. One of the travel books I have read says that Danish ATMs charge a
25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
anywhere else, and most sources say ATMs are a better bet than travellers'
cheques.
So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
network? I'm hopeful the fee is zero, but I'm not counting on it.
Traveler
#2
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hmmm..I have never noticed a big fee charge when I use my ATM card on the
plus system in Denmark. I was just there.
Heather
"Traveler" wrote in message
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
> Traveler
plus system in Denmark. I was just there.
Heather
"Traveler" wrote in message
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
> Traveler
#3
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"Traveler" wrote:
>My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any ATM
>transaction I do in Europe, and give me the money at the interbank exchange
>rate. I can live with that, if I have to. However, I'd like to know if the
>banks in Denmark, Sweden, and Norway will charge me a fee if I use their
>ATMs. One of the travel books I have read says that Danish ATMs charge a
>25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
>anywhere else, and most sources say ATMs are a better bet than travellers'
>cheques.
>So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
>North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
>network? I'm hopeful the fee is zero, but I'm not counting on it.
>Traveler
---------------------
I think the 25 kr fee is when you take cash to the bank to exchange
it.
Kristian
>My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any ATM
>transaction I do in Europe, and give me the money at the interbank exchange
>rate. I can live with that, if I have to. However, I'd like to know if the
>banks in Denmark, Sweden, and Norway will charge me a fee if I use their
>ATMs. One of the travel books I have read says that Danish ATMs charge a
>25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
>anywhere else, and most sources say ATMs are a better bet than travellers'
>cheques.
>So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
>North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
>network? I'm hopeful the fee is zero, but I'm not counting on it.
>Traveler
---------------------
I think the 25 kr fee is when you take cash to the bank to exchange
it.
Kristian
#4
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When I visited Denmark and Sweden three years ago I did not get charged
unreasonable fees at the ATMs in either country. I don't think it was any more
than $1.00 or $2.00 in U.S. dollars.
unreasonable fees at the ATMs in either country. I don't think it was any more
than $1.00 or $2.00 in U.S. dollars.
#5
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On Fri, 09 May 2003 07:08:16 GMT, "Traveler"
wrote:
>My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any ATM
>transaction I do in Europe, and give me the money at the interbank exchange
>rate. I can live with that, if I have to. However, I'd like to know if the
>banks in Denmark, Sweden, and Norway will charge me a fee if I use their
>ATMs. One of the travel books I have read says that Danish ATMs charge a
>25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
>anywhere else, and most sources say ATMs are a better bet than travellers'
>cheques.
>So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
>North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
>network? I'm hopeful the fee is zero, but I'm not counting on it.
The Scandinavian banks don't charge Americans any fee at all, and
I presume the same is true for Canadian ATM cards. I have never
been charged a fee in Sweden, Finland or Estonia, and I was last
in those countries just a year ago. Denmark didn't charge a fee
when I was there seven years ago.
************* DAVE HATUNEN ([email protected]) *************
* Tucson Arizona, out where the cacti grow *
* My typos & mispellings are intentional copyright traps *
wrote:
>My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any ATM
>transaction I do in Europe, and give me the money at the interbank exchange
>rate. I can live with that, if I have to. However, I'd like to know if the
>banks in Denmark, Sweden, and Norway will charge me a fee if I use their
>ATMs. One of the travel books I have read says that Danish ATMs charge a
>25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
>anywhere else, and most sources say ATMs are a better bet than travellers'
>cheques.
>So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
>North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
>network? I'm hopeful the fee is zero, but I'm not counting on it.
The Scandinavian banks don't charge Americans any fee at all, and
I presume the same is true for Canadian ATM cards. I have never
been charged a fee in Sweden, Finland or Estonia, and I was last
in those countries just a year ago. Denmark didn't charge a fee
when I was there seven years ago.
************* DAVE HATUNEN ([email protected]) *************
* Tucson Arizona, out where the cacti grow *
* My typos & mispellings are intentional copyright traps *
#6
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"Traveler" wrote in message
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
It should be standard practice the world over that under Visa/Plus and
Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
should be charged by the operators of ATMs to foreign cardholders. So all
the charges, if any, are levied by your home bank/card issuer. The only
exception I know of is in UK (where I live) with some ATMs located inside
convenience stores, not owned by banks, which levy everyone around £1.50 per
transaction (ATM withdrawals are almost always free at banks, even if it
isn't your own). I don't know about foreign cards. But in any event you will
be told about it on screen before your transaction goes through, so you have
the option of cancelling it and go elsewhere.
Alec
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
It should be standard practice the world over that under Visa/Plus and
Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
should be charged by the operators of ATMs to foreign cardholders. So all
the charges, if any, are levied by your home bank/card issuer. The only
exception I know of is in UK (where I live) with some ATMs located inside
convenience stores, not owned by banks, which levy everyone around £1.50 per
transaction (ATM withdrawals are almost always free at banks, even if it
isn't your own). I don't know about foreign cards. But in any event you will
be told about it on screen before your transaction goes through, so you have
the option of cancelling it and go elsewhere.
Alec
#7
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Alec wrote:
> It should be standard practice the world over that under Visa/Plus and
> Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
> should be charged by the operators of ATMs to foreign cardholders. So all
> the charges, if any, are levied by your home bank/card issuer. The only
> exception I know of is in UK (where I live) with some ATMs located inside
> convenience stores, not owned by banks, which levy everyone around £1.50 per
> transaction (ATM withdrawals are almost always free at banks, even if it
> isn't your own). I don't know about foreign cards. But in any event you will
> be told about it on screen before your transaction goes through, so you have
> the option of cancelling it and go elsewhere.
The only exception I've ever seen to this is in Vietnam, where all banks
other than HSBC add a d20000 charge (US$1.30) without any notification until
after the transaction is complete.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
> It should be standard practice the world over that under Visa/Plus and
> Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
> should be charged by the operators of ATMs to foreign cardholders. So all
> the charges, if any, are levied by your home bank/card issuer. The only
> exception I know of is in UK (where I live) with some ATMs located inside
> convenience stores, not owned by banks, which levy everyone around £1.50 per
> transaction (ATM withdrawals are almost always free at banks, even if it
> isn't your own). I don't know about foreign cards. But in any event you will
> be told about it on screen before your transaction goes through, so you have
> the option of cancelling it and go elsewhere.
The only exception I've ever seen to this is in Vietnam, where all banks
other than HSBC add a d20000 charge (US$1.30) without any notification until
after the transaction is complete.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
#8
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Just checked my bank statement after returning from Denmark this week.
The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
withdrawal.
Heather
"Traveler" wrote in message
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
> Traveler
The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
withdrawal.
Heather
"Traveler" wrote in message
news:[email protected]...
> My bank, Toronto-Dominion, says it will charge a $3 Canadian fee for any
ATM
> transaction I do in Europe, and give me the money at the interbank
exchange
> rate. I can live with that, if I have to. However, I'd like to know if the
> banks in Denmark, Sweden, and Norway will charge me a fee if I use their
> ATMs. One of the travel books I have read says that Danish ATMs charge a
> 25kr fee - which is about $5 CAD ($3.50 US) fee. But I haven't seen that
> anywhere else, and most sources say ATMs are a better bet than travellers'
> cheques.
> So what do bank ATMs in Denmark, Sweden, and Norway charge consumers from
> North America who are using an ATM card (4-digit PIN) on a Cirrus or Plus
> network? I'm hopeful the fee is zero, but I'm not counting on it.
> Traveler
#9
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On Fri, 09 May 2003 21:47:12 GMT, "Heather Morrison"
wrote:
>Just checked my bank statement after returning from Denmark this week.
>The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
>withdrawal.
That was NOYT by the Danish bank, which would scarcely have
charged you in some number of Danish kroner which just happened
to equal CAD 5. You do have a beef with your bank, and don't
believe anything they say about it being the Danes' fault.
************* DAVE HATUNEN ([email protected]) *************
* Tucson Arizona, out where the cacti grow *
* My typos & mispellings are intentional copyright traps *
wrote:
>Just checked my bank statement after returning from Denmark this week.
>The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
>withdrawal.
That was NOYT by the Danish bank, which would scarcely have
charged you in some number of Danish kroner which just happened
to equal CAD 5. You do have a beef with your bank, and don't
believe anything they say about it being the Danes' fault.
************* DAVE HATUNEN ([email protected]) *************
* Tucson Arizona, out where the cacti grow *
* My typos & mispellings are intentional copyright traps *
#10
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I'll go beef the bank then...
thanks
Heather
"Hatunen" wrote in message
news:[email protected]...
> On Fri, 09 May 2003 21:47:12 GMT, "Heather Morrison"
> wrote:
> >Just checked my bank statement after returning from Denmark this week.
> >
> >The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> >withdrawal.
> That was NOYT by the Danish bank, which would scarcely have
> charged you in some number of Danish kroner which just happened
> to equal CAD 5. You do have a beef with your bank, and don't
> believe anything they say about it being the Danes' fault.
> ************* DAVE HATUNEN ([email protected]) *************
> * Tucson Arizona, out where the cacti grow *
> * My typos & mispellings are intentional copyright traps *
thanks
Heather
"Hatunen" wrote in message
news:[email protected]...
> On Fri, 09 May 2003 21:47:12 GMT, "Heather Morrison"
> wrote:
> >Just checked my bank statement after returning from Denmark this week.
> >
> >The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> >withdrawal.
> That was NOYT by the Danish bank, which would scarcely have
> charged you in some number of Danish kroner which just happened
> to equal CAD 5. You do have a beef with your bank, and don't
> believe anything they say about it being the Danes' fault.
> ************* DAVE HATUNEN ([email protected]) *************
> * Tucson Arizona, out where the cacti grow *
> * My typos & mispellings are intentional copyright traps *
#11
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Heather Morrison wrote:
> Just checked my bank statement after returning from Denmark this week.
> The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> withdrawal.
You need to change banks. A nice round number in C$ has nothing to do with
the Danes.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
> Just checked my bank statement after returning from Denmark this week.
> The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> withdrawal.
You need to change banks. A nice round number in C$ has nothing to do with
the Danes.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
#12
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In Denmark, you dont need to use the ATM to get cask
In any gaz station, you can buy an ice cream, pay with credit card and ask
for extra cash
during this transaction. There is no extra ATM charge on this cash
"Miguel Cruz" a écrit dans le message de news:
[email protected]...
> Heather Morrison wrote:
> > Just checked my bank statement after returning from Denmark this week.
> >
> > The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> > withdrawal.
> You need to change banks. A nice round number in C$ has nothing to do with
> the Danes.
> miguel
> --
> Hit The Road! Photos and tales from around the world: http://travel.u.nu
> Latest photos: Maldives, Dubai and Vietnam
In any gaz station, you can buy an ice cream, pay with credit card and ask
for extra cash
during this transaction. There is no extra ATM charge on this cash
"Miguel Cruz" a écrit dans le message de news:
[email protected]...
> Heather Morrison wrote:
> > Just checked my bank statement after returning from Denmark this week.
> >
> > The few times I used an ATM in Copenhagen I was charged $5.00 CAD per
> > withdrawal.
> You need to change banks. A nice round number in C$ has nothing to do with
> the Danes.
> miguel
> --
> Hit The Road! Photos and tales from around the world: http://travel.u.nu
> Latest photos: Maldives, Dubai and Vietnam
#13
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Alec wrote:
> It should be standard practice the world over that under Visa/Plus and
> Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
> should be charged by the operators of ATMs to foreign cardholders. So all
> the charges, if any, are levied by your home bank/card issuer. The only
> exception I know of is in UK (where I live) with some ATMs located inside
> convenience stores, not owned by banks, which levy everyone around £1.50 per
> transaction (ATM withdrawals are almost always free at banks, even if it
> isn't your own).
When you say "it should be", do you mean that this is the way things
ought to be in an ideal world, or do you believe that such actually is
the case?
In the US, it is common for banks to charge a small fee for the use of
their bank machines by those who do not have accounts at the bank in
question.
Interestingly, this seems to apply only to other banks within the US.
I have found that, in some locations, there will be a fee if I use my
US bank card, but _not_ if I use my Dutch bank card.
--
greg byshenk - [email protected] - Leiden, NL
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> It should be standard practice the world over that under Visa/Plus and
> Cirrus/MasterCard rules (the two biggest international ATM networks) no fee
> should be charged by the operators of ATMs to foreign cardholders. So all
> the charges, if any, are levied by your home bank/card issuer. The only
> exception I know of is in UK (where I live) with some ATMs located inside
> convenience stores, not owned by banks, which levy everyone around £1.50 per
> transaction (ATM withdrawals are almost always free at banks, even if it
> isn't your own).
When you say "it should be", do you mean that this is the way things
ought to be in an ideal world, or do you believe that such actually is
the case?
In the US, it is common for banks to charge a small fee for the use of
their bank machines by those who do not have accounts at the bank in
question.
Interestingly, this seems to apply only to other banks within the US.
I have found that, in some locations, there will be a fee if I use my
US bank card, but _not_ if I use my Dutch bank card.
--
greg byshenk - [email protected] - Leiden, NL
hate spam?
#14
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greg byshenk wrote:
> Alec wrote:
>> It should be standard practice the world over that under Visa/Plus and
>> Cirrus/MasterCard rules (the two biggest international ATM networks) no
>> fee should be charged by the operators of ATMs to foreign cardholders.
>> So all the charges, if any, are levied by your home bank/card issuer.
>> The only exception I know of is in UK (where I live) with some ATMs
>> located inside convenience stores, not owned by banks, which levy
>> everyone around £1.50 per transaction (ATM withdrawals are almost always
>> free at banks, even if it isn't your own).
> When you say "it should be", do you mean that this is the way things
> ought to be in an ideal world, or do you believe that such actually is
> the case?
What Alec describes and what you describe are pretty much the same. He said
"foreign cardholders", and then you describe paying a fee in the US when
using your American card but not your Dutch card.
> In the US, it is common for banks to charge a small fee for the use of
> their bank machines by those who do not have accounts at the bank in
> question.
> Interestingly, this seems to apply only to other banks within the US.
> I have found that, in some locations, there will be a fee if I use my
> US bank card, but _not_ if I use my Dutch bank card.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
> Alec wrote:
>> It should be standard practice the world over that under Visa/Plus and
>> Cirrus/MasterCard rules (the two biggest international ATM networks) no
>> fee should be charged by the operators of ATMs to foreign cardholders.
>> So all the charges, if any, are levied by your home bank/card issuer.
>> The only exception I know of is in UK (where I live) with some ATMs
>> located inside convenience stores, not owned by banks, which levy
>> everyone around £1.50 per transaction (ATM withdrawals are almost always
>> free at banks, even if it isn't your own).
> When you say "it should be", do you mean that this is the way things
> ought to be in an ideal world, or do you believe that such actually is
> the case?
What Alec describes and what you describe are pretty much the same. He said
"foreign cardholders", and then you describe paying a fee in the US when
using your American card but not your Dutch card.
> In the US, it is common for banks to charge a small fee for the use of
> their bank machines by those who do not have accounts at the bank in
> question.
> Interestingly, this seems to apply only to other banks within the US.
> I have found that, in some locations, there will be a fee if I use my
> US bank card, but _not_ if I use my Dutch bank card.
miguel
--
Hit The Road! Photos and tales from around the world: http://travel.u.nu
Latest photos: Maldives, Dubai and Vietnam
#15
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Miguel Cruz wrote:
> greg byshenk wrote:
> > Alec wrote:
> >> It should be standard practice the world over that under Visa/Plus and
> >> Cirrus/MasterCard rules (the two biggest international ATM networks) no
> >> fee should be charged by the operators of ATMs to foreign cardholders.
> > When you say "it should be", do you mean that this is the way things
> > ought to be in an ideal world, or do you believe that such actually is
> > the case?
> What Alec describes and what you describe are pretty much the same. He said
> "foreign cardholders", and then you describe paying a fee in the US when
> using your American card but not your Dutch card.
Yes, but I am still unclear as to whether it is a matter of Cirrus/Plus
policy. I have noticed that I haven't been charged a fee when using my
Dutch card, but my experience is insufficiently broad to draw any
overall conclusions.
--
greg byshenk - [email protected] - Leiden, NL
hate spam?
> greg byshenk wrote:
> > Alec wrote:
> >> It should be standard practice the world over that under Visa/Plus and
> >> Cirrus/MasterCard rules (the two biggest international ATM networks) no
> >> fee should be charged by the operators of ATMs to foreign cardholders.
> > When you say "it should be", do you mean that this is the way things
> > ought to be in an ideal world, or do you believe that such actually is
> > the case?
> What Alec describes and what you describe are pretty much the same. He said
> "foreign cardholders", and then you describe paying a fee in the US when
> using your American card but not your Dutch card.
Yes, but I am still unclear as to whether it is a matter of Cirrus/Plus
policy. I have noticed that I haven't been charged a fee when using my
Dutch card, but my experience is insufficiently broad to draw any
overall conclusions.
--
greg byshenk - [email protected] - Leiden, NL
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