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Delayed Transaction?

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  • 01-07-2015 11:25pm
    #1
    liam650
    Registered Users Posts: 186 ✭✭


    Hi, I was in Aldi using my visa debit card and had 20 euro in my account and spent 18 euro but when i checked the atm machine it said i had 20 in it and i was able to withdraw the 20 which is strange, what if i was to put 200 in my bank and spend 200 in aldi then take it out of the atm, would that work too? thanks


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    #2
    28064212
    Registered Users Posts: 10,493 ✭✭✭✭28064212


    liam650 wrote: »
    Hi, I was in Aldi using my visa debit card and had 20 euro in my account and spent 18 euro but when i checked the atm machine it said i had 20 in it and i was able to withdraw the 20 which is strange, what if i was to put 200 in my bank and spend 200 in aldi then take it out of the atm, would that work too? thanks
    A retailer doesn't process your transactions instantaneously. However, when it does get processed, your account is going be overdrawn. If you don't already have an authorised overdraft facility, you're going to be hit with charges

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    #3
    liam650
    Registered Users Posts: 186 ✭✭liam650


    but does the bank know at that time when i am in the shop making the purchase like if the money isnt taken out right away how does the retailer know i have money in the account


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    #4
    Nervous Wreck
    Closed Accounts Posts: 16,115 ✭✭✭✭Nervous Wreck


    28064212 wrote: »
    A retailer doesn't process your transactions instantaneously. However, when it does get processed, your account is going be overdrawn. If you don't already have an authorised overdraft facility, you're going to be hit with charges

    This.


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    #5
    GerardKeating
    Registered Users Posts: 7,538 ✭✭✭GerardKeating


    liam650 wrote: »
    Hi, I was in Aldi using my visa debit card and had 20 euro in my account and spent 18 euro but when i checked the atm machine it said i had 20 in it and i was able to withdraw the 20 which is strange, what if i was to put 200 in my bank and spend 200 in aldi then take it out of the atm, would that work too? thanks

    Did you use "Contactless" it is "off-line" so your bank would not know for a few days.


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    #6
    Ciarrai76
    Moderators, Recreation & Hobbies Moderators, Regional South Moderators Posts: 9,318 Mod ✭✭✭✭Ciarrai76


    liam650 wrote: »
    Hi, I was in Aldi using my visa debit card and had 20 euro in my account and spent 18 euro but when i checked the atm machine it said i had 20 in it and i was able to withdraw the 20 which is strange, what if i was to put 200 in my bank and spend 200 in aldi then take it out of the atm, would that work too? thanks

    there is always a delay with Aldi for card transactions. Anytime I buy something in Aldi (or Lidl) it never shows in my AIB account as pending transaction, like other card payments do, there is always a delay of a day or two extra. In fact I paid for items in Lidl today, and they are not showing as a pending transaction, depsite other items from different stores showing up, eventhough same day transactions.

    AIB actually do mention this on their website when you click on pending transactions (if you are an AIB customer of course!):
    Please note there may be debit card transactions that do not appear on this list where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions.

    hope this helps


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