Card transactions

feefad

Well-Known Member
#1
Guys,

just one to be aware of when using your card in Tunisia. My husband made 3 card transactions with his bank card, 2 in shops and an ATM withdrawal. Each time the funds were reserved twice, causing me to panic as to what he had been spending and if I would have enough for my direct debits to be paid / money to go out for friends bday etc. My actual funds and what was available were showing a bit of a discrepancy.

Called my bank and the Indian call centre was not overly helpful, insisting that my husband had the right to use his bank card on our joint account how he wanted. Which was fine, except that I by this point I had already chinned Zico on what he had been spending. I also knew that when he had paid for the hire car, this had been reserved twice (as per prev call to bank) but the funds had since became available again and only one transaction on my account. Also our ATM cards have a limit of £300 per day, 2 transactions of 500 TD would not have been allowed. Could go onto rant about bank again but wont help my blood pressure.

The money is now back available in my account as these 2nd transactions were not requested and processed but it is one to be aware of. Not sure if the problem is my bank maybe reserving in pounds, the figure of the transaction in dinars or if it happens with other banks and is something to do with the way the request is processed at Tunisian end. We have always used our cards abroad, but as both of us are normally there together I wouldnt have been checking my bank online and noticed. As the money is again available, it is all good, but as it limited what was available to take out, nearer the end of the month, it could have been a bigger issue.
 

Mezoo

VIP Member
#2
we've looked at similar issues---open an account for only use in Tunisia. it will resolve a host of problems--transfer some to it each week----:cool:
 

bobby g

Well-Known Member
#3
we've looked at similar issues---open an account for only use in Tunisia. it will resolve a host of problems--transfer some to it each week----:cool:
Good idea if you spend a good part of your time in Tunisia, otherwise just take enough cash to last your stay. Its a shame in this day an age when we rely on cards so much that its not more reliable. I've never come across this problem when used my card abroad, but have to say took loads of cash with me to Tunisia as I was'nt sure how reliable the ATMs were.
Get me "advertising the loads of cash"....yeah! I'm the one with the big bag marked "cash in here". Actually I did'nt take that much realllly!!!!:p
 

Cathibou

New Member
#4
Good idea if you spend a good part of your time in Tunisia, otherwise just take enough cash to last your stay. Its a shame in this day an age when we rely on cards so much that its not more reliable. I've never come across this problem when used my card abroad, but have to say took loads of cash with me to Tunisia as I was'nt sure how reliable the ATMs were.
Get me "advertising the loads of cash"....yeah! I'm the one with the big bag marked "cash in here". Actually I did'nt take that much realllly!!!!:p
Erm! Interesting when you going again bobby g!
 

bobby g

Well-Known Member
#5
Beginning of June Cathibou....just taking a miniscule amount of cash this time nudge nudge wink wink....Hope those ATMs are in full working order.:D:D:D
 

feefad

Well-Known Member
#6
lol @ bobby, could i borrow that bag??

ive never had a problem before but i think it may because ive never noticed before and its back available before ive spotted it :) I normally take a mixture with me, but depends if pay day is when im away or not :)
 

Majdi

Member
#7
This is weird. I used my US bank card several times in Tunisia, never faced a single issue. I withdrew around $20k.
 

Mistle253

New Member
#8
I've just got back from Tunisa yesterday morning and i experienced problems using my card while out there, tried using it in Kairouan to take out some money at ATM first one wouldn't let me take any out, then found another one that let me, when i tried using my card at the airport the cashier told me it had been declined yet i knew there was money in my account. when i looked at my account yesterday after getting back the first time that i tried to take money out of the ATM in Kair had been debited from my account, yet i never got anything out. spoken to the bank and it has now been rectified , maybe this was why my card wouldn't work at the airport, as when i got back everything was ok.
 

Majdi

Member
#9
what is your card type,
i had a visa and used Amen bank atm
 

Mezoo

VIP Member
#10
This is weird. I used my US bank card several times in Tunisia, never faced a single issue. I withdrew around $20k.
always worked because u used a US card and everybody knows US banks are "ROCK SOLID"------------HA :mad:
 

ROULLA

Registered User
#11
This is weird. I used my US bank card several times in Tunisia, never faced a single issue. I withdrew around $20k.
This is not the place for advertising, you have been asked nicely before..
 

Majdi

Member
#12
I used a French card and it worked too. Maybe i'm just very lucky when it comes to this.
 

ROULLA

Registered User
#13
Majdi said:
and i answered nicely too :)
it was my signature and i removed it from the usercp
am i doing something wrong?
I have sent you a message..:)
 

Mossy

Well-Known Member
#14
I have been using a UK bank card to withdraw cash here in Tunis for a couple of years now and never had a problem. Also, I've used a UK Visa card in restaurants, supermarkets etc. many times again,without any problems.

I also did as Mezoo suggested and opened a bank account with BIAT but don't use it that much.
 

MellieC

Well-Known Member
#15
my brit bank has a habit of stopping my bank card, if I withdraw from any ATM in tunisia other than the one i use near the house, I have spend so much time phoning the bank, and tis always been stopped to prevent fraud, it doesn't matter how much I tell em I'M IN TUNISIA U HAVE IT IN WRITING!!!!!!!!!! I have an STB acc and have some money transferred. It might be of interest to consider the Prepay mastercards ~ there is no fee for overseas withdrawls on one that I have, i got it for travelling, and it saves me a lot of money in bank charges!!
 

igglepiggle

New Member
#16
When I was in Sousse in March this year I made four withdrawals from the ATM over a two week period but when I was checking my statement at home, I realised they had duplicated all of my withdrawals. Don't feel confident about using them again to be honest.
 

marie59

Banned
#17
I have been using british card for over 7 years now when i visit tunisia and have used it in a wide number of places never have i had any trouble, however my daughter used a atm machine in pek and she didnt get the money but when we arrived home ihad been debited out of her account it took weeks to get it back but she did.
I guess it just depends on the machine and the bank and if you are prepared to carry money around and take the risk of it going missing. At least with the bank you can state your claim if there is a problem and usually it will get sorted.
 

Aussiegal

Active Member
#18
i know i have sent a subsiduary card to my visa debit to my boy that way when i am there the kids who are still in aus can put money in using my direct debit card and i can withdraw while i am there funny though we can only do it through one lot of atm's no others work and i cant use it in the shops either
 

ROULLA

Registered User
#19
17 September 2010 Last updated at 23:41
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Consumers face higher overseas card charges


The hugely popular Nationwide debit card will soon come with charges
Chillier winds are starting to blow through Europe's holiday hot spots.
The same can also be said about the charges being levied on UK card holders using their debit cards abroad.
In a couple of months' time, the Nationwide building society is to withdraw its popular commission-free service, and charge a fee when its debit card is used abroad.
Most other current account debit cards now rack up charges each time we buy something or withdraw currency - up to £4 for every £100 spent.
And that is on top of the exchange costs and any additional fees.
Lower charge
The terms of the Nationwide Flexaccount are now being changed to reward loyal customers at the expense of those who have just opened an account to get the overseas benefits.
Continue reading the main story “Start Quote
"Our charge of 2% is the lowest charge in the market on a mass-market current account”
End Quote Nationwide spokesman
There will be some free travel insurance, but commission-free withdrawals abroad are to go.
The result is that many say they will ditch their Nationwide Flexaccounts, even though the building society insists that after the changes its fees will still be lower than those of most competitors.
"Many competitors charge a higher level of 2.75%," says the Nationwide.
"Our charge of 2% is the lowest charge in the market on a mass-market current account.
"That means when a customer spends £1,000 abroad, they will be charged at least £15 less than those with other providers," it adds.
The changes
For years the Nationwide debit card has been the card holidaymakers have been advised to use. Many people got a card purely for this purpose.
Using cards abroad has costs which simply have to be paid, says Sandra Quinn
Currently anyone using the building society's debit card in Europe does not have to pay a charge, though they do pay a fee of 1% outside the eurozone.
From 1 November, Nationwide will levy a 2% charge on transactions.
That is a foreign exchange fee that you will pay whenever you use your card, whether you are buying something or taking money out of cash machine.
It will also also levy a £1 cash-withdrawal fee when the card is used overseas. This will replace the current 1% currency-conversion charge levied at present.
This does not apply to the society's credit card holders.
Nationwide is keeping its overseas usage charges at 1% on purchases made outside the EU, and free within the EU.
 

newtosousse

Active Member
#20
I used my debit card last year, and didn't have any problem. I have never used a credit card out there though, and was thinking of using it this time. But certainly don't want the same transaction to come out twice.
 
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