Using a UK debit card in America
Hi,
I'll be visiting America soon, and I've changed up some money into Dollars, but I'm taking my HSBC debit card too. I was wondering if I can use it anywhere in America, or are there only certain cash points that will let me use it? I don't want my card getting chewed up or anything. Thanks |
Re: Using a UK debit card in America
Originally Posted by supersonic1
(Post 7816720)
Hi,
I'll be visiting America soon, and I've changed up some money into Dollars, but I'm taking my HSBC debit card too. I was wondering if I can use it anywhere in America, or are there only certain cash points that will let me use it? I don't want my card getting chewed up or anything. Thanks |
Re: Using a UK debit card in America
It probably won't work everywhere, but ATMs over here don't steal cards or chew them up. If you have a credit card, bring that too - that one should work everywhere.
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Re: Using a UK debit card in America
You should be fine but don't forget, HSBC will charge a transaction fee every time you use it (usually around 2.5%)
If you only want to use it to purchase goods, apply for and obtain Post Office credit card before you leave, as they're the only company who don't charge a transaction fee each time you use it. |
Re: Using a UK debit card in America
Originally Posted by danicrun
(Post 7816889)
You should be fine but don't forget, HSBC will charge a transaction fee every time you use it (usually around 2.5%)
If you only want to use it to purchase goods, apply for and obtain Post Office credit card before you leave, as they're the only company who don't charge a transaction fee each time you use it. Also, make sure you remember to tell your bank you are going to the US before you leave, otherwise they will likely freeze the card automatically after the 2nd or 3rd transaction. You probably won't be able to re-activate your card once it has been frozen. This has happened to me on numerous occasions. |
Re: Using a UK debit card in America
Originally Posted by caleyjag
(Post 7816917)
Yeah, this is good.
Also, make sure you remember to tell your bank you are going to the US before you leave, otherwise they will likely freeze the card automatically after the 2nd or 3rd transaction. You probably won't be able to re-activate your card once it has been frozen. This has happened to me on numerous occasions. They of course froze the card first on 1st transaction, even though they knew I was oversea's. |
Re: Using a UK debit card in America
I traveled extensively abroad over a period of time while living in the UK, never informed my bank (it never crossed my mind) and never had any cards frozen. Was I lucky? I wonder what makes them freeze one account but not another?
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Re: Using a UK debit card in America
Originally Posted by tonrob
(Post 7817591)
Was I lucky? I wonder what makes them freeze one account but not another?
Reading the press it seems that foreign transaction fraud has gone up since the introduction of "chip and pin". |
Re: Using a UK debit card in America
Originally Posted by AdobePinon
(Post 7816777)
... but ATMs over here don't steal cards or chew them up.
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Re: Using a UK debit card in America
I strongly recommend that you inform the bank, having had visitors here all summer and several of them having their cards frozen when they tried to use them....a call to the 24/7 bank help line got it sorted out, but was a pain in the backside! :sneaky:
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Re: Using a UK debit card in America
Originally Posted by lisa67
(Post 7817875)
I strongly recommend that you inform the bank, having had visitors here all summer and several of them having their cards frozen when they tried to use them....a call to the 24/7 bank help line got it sorted out, but was a pain in the backside! :sneaky:
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Re: Using a UK debit card in America
Originally Posted by nethead
(Post 7818052)
Yes that happened to my sister when she was over at the beginning of the year. It was a CC they has specifically got to use while over here and informed the bank before hand of their travel arrangements!
Just as an aside, I always let our back over here know when I'm travelling for the same reason, or when my OH is abroad for work and using our joint cc account or they freeze my card over here and then will only speak to him about it (which infuriates me as it's a joint account and he's usually somewhere with a 13 hour time difference!!!!:frown:) |
Re: Using a UK debit card in America
If we can try to remember that the reason the banks would possibly freeze our cards, is to protect us from fraud, it's easier to understand. If we've told the bank and they still freeze it, not so good...
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Re: Using a UK debit card in America
Originally Posted by FLexpat
(Post 7818220)
If we can try to remember that the reason the banks would possibly freeze our cards, is to protect us from fraud, it's easier to understand. If we've told the bank and they still freeze it, not so good...
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Re: Using a UK debit card in America
i dont have an hsbc - i have a first direct (but its the same parent company)
The debit card works fine here in a lot of places - but NOT everywhere. Make sure when you swipe your card at the checkout that you use the 'debit' option and not the credit card option. |
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