If you use 3V cards - read this !

( . )( . )

I think this might be a better (cheaper) system than 3V;

Q: Does it cost me anything to use Ukash?
A: No. You can spend your exact Ukash value – there are no charges or fees deducted. It’s just like paying online with cash.

How Ukash Works



Pay cash for a Ukash voucher in your local shop where you see the payzone sign. Then use the unique 19 digit Ukash number to pay for goods and services online.
Getting Ukash is instant – there’s no waiting for cards to arrive or lengthy registration. Spending Ukash is just like spending cash – safe, quick and easy. Plus you can even get change if you spend less than your Ukash value.
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Ukash is as easy to use as cash itself.

You:

• don’t need a card or financial details
• can be any age
• avoid fraud or identity theft
• have no statements, charges or fees
• are in control of your spending

How to get Ukash
How to spend Ukash

Ukash is a new, simple and secure way for you to shop, play and pay with cash online.

Ukash can be used at hundreds of websites. Check out the special offers below for even more reasons to pay with cash online. Keep coming back to see the latest offers or why not sign up today to receive updates?

Our man in Havana

Wirecard is better tbh!

dazftw

Whats the limit and what websites can you use them on?

Overclockers.co.uk? Komplett.ie?

Micky01

Has anybody ever used Ukash to book a hotel/flight, on cheaptickets.com for instance? Would this work?

peteburnshndbag

I just started using the 3V cards recently and i think their a great idea, i know you have to pay a fiver for each voucher you purchase but at least you can then spend yoiur online cash on any website you want, cause it's treated as a normal VISA.
But with Ukash, there is only a crappy little selection of sites that accept it. So that turned me off ever even trying it out. 3V are a much better option..

Our man in Havana

Wirecard is still miles better than 3v imho.

peteburnshndbag

Bond-007 wrote:

Wirecard is still miles better than 3v imho.

THanks for letting us know about this, I'm just after signing up now.

It is actually a much better idea than 3V cause you get to keep the same creditcard number for ever rather than having to get a new number every time you lodge more money.

But, what are the fees like??

With 3V, it costs 5Euro each time you top up.. is it dearer with wirecard?


And whatt's the easiest way of lodging money to your a/c?

Thanks

Our man in Havana

Only cost seems to be €1 per deposit. Deposit €301 and you have €300 in your account.

Easiest way to lodge money is via IBAN bank transfer. Easy to do online if you have AIB online banking.

peteburnshndbag

Bond-007 wrote:

Only cost seems to be €1 per deposit. Deposit €301 and you have €300 in your account.

Easiest way to lodge money is via IBAN bank transfer. Easy to do online if you have AIB online banking.

Thats great value if thats all you must pay.. But i think i read on the site just now, that whenever you make a purchase with your card you will have to pay a fee each time.. Is this true? Cause i dont think i would use it if this was the case. With 3v, you just pay a one off fiver when you lodge the money.


I dont have AIB online. But i have a normal EBS a/c.. Can i do the wire transfer thing thru them, and is this another fee on top of the deposit fee??

Sorry for all the Qs,

Our man in Havana

They abolished the usage fees about 2 months ago, used to be 50 cent per purchase which was still good value if you were making reasonable size purchases.

You can go into your bank and do a IBAN transfer or you can lodge to wirecards BOI account in Dublin.

cormie

Is there not a 1.5% fee on transactions if we buy something in dollars for example?

Deposit money by wire transfer
1,00 EUR £ 0,70 $ 1,30 1,65 CHF
Deposit money by credit card
Variable 3,00 % 3,00 % 3,00 % 3,00 %
Minimum Charge 1,00 EUR £ 0,70 $ 1,30 1,65 CHF
Deposit money by direct debit
Variable 1,99 % 1,99 % 1,99 % 1,99 %
Minimum Charge 1,00 EUR £ 0,70 $ 1,30 1,65 CHF
Send money to another Wirecard account
only until 30.06.2007 0,00 EUR £ 0,00 $ 0,00 0,00 CHF
0,50 EUR £ 0,35 $ 0,65 0,85 CHF
Use of virtual MasterCard
0,00 EUR £ 0,00 $ 0,00 0,00 CHF
Additional fee for multiple currency use 1,50 % 1,50 % 1,50 % 1,50 %
Return fee (Direct Debit, Credit Card)
Variable 1,00 % 1,00 % 1,00 % 1,00 %
Minimum Charge 10,00 EUR £ 10,00 $ 15,00 17,50 CHF
Charges when reaching a negative balance
10,00 EUR £ 10,00 $ 15,00 17,50 CHF
Annual charge for MasterCard classic
24,90 EUR - $ 34,90 -
Charge for card sending
5,00 EUR - $ 6,50 -
Replace or renew card
10,00 EUR - $ 15,00 -
ATM cash withdrawal
Variable 2,00 % - 2,00 % -
Minimum Charge 4,50 EUR - $ 6,00 -

Also, I assume you don't need to be "approved" for getting one? As in, that's the whole point of them?

Our man in Havana

Yes and Yes are the answers to your questions.

All credit/debit cards have a 1.5% (can be as high as 3%) fee for non euro transactions, this fee is built into the exchange rate so you don't see the fee as a separate charge.

wba88

I know the whole point of the wirecard is that its 'virtual' but if requested could they send you out a plastic card for it because they have one in the pic and at the bottom of the quote in cormie's post it tells you the charges for withdrawing from an atm???

Our man in Havana

They can't send them to Irish residents due to the tax on atm/credit cards.

wba88

Bond-007 wrote:

They can't send them to Irish residents due to the tax on atm/credit cards.

thanx for the info

PeteK*

Bond-007 wrote:

Wirecard is better tbh!

Is there an annual charge?

Our man in Havana

Chatmaster wrote:

Is there an annual charge?

No.

egan007

V3 is not that expensive if you compare it to a regular card which costs 40Euro per year.
That's 8 V3 transcations, probably all I would make online in a year anyway...

weluvujoe

I think you would be better off to stick with 3v. They are a safe company and the only sites that dont accept 3v are online gambling sites (I think). The only annoying thing abuot 3v is that you have to buy in increments of 10 euro so its annoying if something costs 51 and you have to put 60 on the card. Other that that I think 3v is a great idea and are very reliable and fairly safe.
And I would be very weary about depositing money into an international bank account or by wire transfer. You have no security at all.

Our man in Havana

weluvujoe wrote:

And I would be very weary about depositing money into an international bank account or by wire transfer. You have no security at all.

Wirecard is a legitimate German bank regulated by the German government. It is as safe as any bank in Ireland. You have as much security if not more than an Irish bank.

bmaxi

I switched to Wirecard a couple of months ago after using 3v for over a year. No comparison. Wirecard is much more convenient and there's none of this crap about topping up or trying to use up all your voucher. 3v would really want to be looking at their operation if they want to survive.

Nala

I tried to do an IBAN transfer to wirecard last night via AIB online and it says i need a code card, how long will this take to deliver to me? is there a quicker way?

cormie

That would be your AIB code card, you should have got one when you opened up your online banking account. I'm guessing anyway.

Our man in Havana

You have to ask for one.

Protocol7

This Wirecard does sound great, but if they have abolished their charges, why are they all still listed on the site?

https://www.wirecard.com/wirecard/ShowFees.html

Annual charge for MasterCard classic 24,90 EUR

Deposit money by wire transfer 1,00 EUR

Is it just that they're slow to update (a rather important part of) their site?

If it really is the case that there's no annual charge or lodgement charge then I'm gonna get one. The €5 charge for 3V isn't so bad considering the hoops I had to jump through in the past to shop online. What irks me more is the €350 limit and fact that I always end up with a euro or two left over at the end each time.

cormie

Protocol7 wrote:

This Wirecard does sound great, but if they have abolished their charges, why are they all still listed on the site?

https://www.wirecard.com/wirecard/ShowFees.html

Annual charge for MasterCard classic 24,90 EUR

Deposit money by wire transfer 1,00 EUR

Is it just that they're slow to update (a rather important part of) their site?

If it really is the case that there's no annual charge or lodgement charge then I'm gonna get one. The €5 charge for 3V isn't so bad considering the hoops I had to jump through in the past to shop online. What irks me more is the €350 limit and fact that I always end up with a euro or two left over at the end each time.

I'm pretty sure that just means the charge for the actual classic mastercard, the physical mastercard, which this is not:) ?

peteburnshndbag

Protocol7 wrote:

This Wirecard does sound great, but if they have abolished their charges, why are they all still listed on the site?

https://www.wirecard.com/wirecard/ShowFees.html

Annual charge for MasterCard classic 24,90 EUR

Deposit money by wire transfer 1,00 EUR

Is it just that they're slow to update (a rather important part of) their site?

If it really is the case that there's no annual charge or lodgement charge then I'm gonna get one. The €5 charge for 3V isn't so bad considering the hoops I had to jump through in the past to shop online. What irks me more is the €350 limit and fact that I always end up with a euro or two left over at the end each time.

Yeah this is what annoys me about 3v too; the fact that you cant buy anything worth more than 350, and the fact that you keep changing CCard numbers, and the leftover change too.

That Mastercard charge you asked about is for an ACTUAL Credit Card (plastic one), cause this wirecard thing is from a proper Bank.

Our man in Havana

The can't supply the actual card to us here in Ireland so that charge does not apply.

peteburnshndbag

bmaxi wrote:

I switched to Wirecard a couple of months ago after using 3v for over a year. No comparison. Wirecard is much more convenient and there's none of this crap about topping up or trying to use up all your voucher. 3v would really want to be looking at their operation if they want to survive.

Totally agree. The only reason i began posting on this thread was cause i wanted to say that i like using 3V etc. but then when i found out about wirecard, it just makes 3V seem so crap in comparison.

peteburnshndbag

Can anyone point me to a website or explain in simple steps how i would go about depositing funds in my newly acquired wirecard a/c using wire transfer.

I only have an ESB a/c.

And is it worth me switching bank a/cs to AIB online banking?? Is it better? Does it cost anything?

And BOND, what is that thing you mentioned above, about depositing money into the wirecard a/c in BOI (wirecard's irish headquarters or something??)

Thanks

Our man in Havana

https://www.wirecard.com/wirecard/documents/Auslandskonten_Wirecard_Bank.pdf

You can lodge money via their BOI account in Dublin quoting your account number as the reference. I have never done it but some other people on here have done it. I personally would only use AIB online banking tbh.

Protocol7

peteburnshndbag wrote:

That Mastercard charge you asked about is for an ACTUAL Credit Card (plastic one), cause this wirecard thing is from a proper Bank.

I see. I thought this was the charge was for getting a physical card:

Charge for card sending 5,00 EUR

Maybe it's just a handling fee or whatever.

Anyway, I emailed them earlier just to see what they say. Hopefully I'll hear back from them tomorrow. The currency conversion charge is standard, so I expect that. So does the charge to lodge funds to your wirecard account still apply? They have to make money somehow after all

Deposit money by wire transfer 1,00 EUR

(I'm guessing this is the same as doing a transfer from my AIB Online Banking?)

Also what is the return fee for?

Return fee (Direct Debit, Credit Card)
Variable 1,00 % Minimum Charge 10,00 EUR

One other thing I just thought of... What's the lifespan of these virtual Mastercards? (ie what's the duration from date of issue to the expiry date).

cormie

Just on the 1.5% currency conversion charge, is that standard for every transaction? Am I right in thinking that if I wan to buy an item for $100, and maybe a few other things, that I deposit say €200 to my wirecard through wire transfer, so because of the €1 charge, I now have €199 to spend, I buy that item for $100, and because it's in $, I also have to pay 1.5% of the cost ($1.50) so I'm being charged $101.50 for the item so I'm left with €199 minus $101.50 (€80 euro-ish) on the card. Is that right or is it a 1.5% charge somewhere else?

Would also like to know about the expiry, so with the €120 or so euro left on my card after buying the item for $101.50 (or $100 with a 1.5% charge somewhere else), will that stay there worry free until I want to buy something again which could be in another year or 2? And if I want to buy something for €125, I just deposit €6 and I'll be charged €1 so ill be left with €125.

Would the return fee be for returning funds on your card back to your bank? Or would it be if a company refund money to your card?

PeteK*

bmaxi wrote:

No comparison. Wirecard is much more convenient and there's none of this crap about topping up or trying to use up all your voucher.

But there is kind of since they do not have Direct Debit?

You need to fill out the form to send money to the account to top it up?

Protocol7

cormie wrote:

Just on the 1.5% currency conversion charge, is that standard for every transaction? Am I right in thinking that if I wan to buy an item for $100, and maybe a few other things, that I deposit say €200 to my wirecard through wire transfer, so because of the €1 charge, I now have €199 to spend, I buy that item for $100, and because it's in $, I also have to pay 1.5% of the cost ($1.50) so I'm being charged $101.50 for the item so I'm left with €199 minus $101.50 (€80 euro-ish) on the card. Is that right or is it a 1.5% charge somewhere else?

Yeah I think you have it about right. According to the 3V site they charge 1.75% for currency conversion.

cormie wrote:

Would the return fee be for returning funds on your card back to your bank? Or would it be if a company refund money to your card?

According to Wirecard:

'return fee' refers to the fee charged against a customer when deduction from his or her bank account (direct debit) or credit card was not completed, so in case your funding method is only bank wire, there will be no return fees occurring because you will always need to tranfer funds before use.

Also they confirmed that the 24.90 annual fee is if you require a physical card. They didn't give me an answer on how long the cards last though, so hopefully someone who has one here can answer that.

bmaxi

Chatmaster wrote:

But there is kind of since they do not have Direct Debit?

You need to fill out the form to send money to the account to top it up?

But you can't top up 3v full stop, and you have to either spend all the funds on the voucher, spend 2.50 to get it back or lose it. Also Wirecard is valid for two years and you have the same C.C. no for that period. There are other ways to transfer funds to wirecard, have a read of this.

http://www.boards.ie/vbulletin/showthread.php?t=2055076589

kensutz

Just signed up to wirecard so hopefully this will be the end of me using 3V.

PeteK*

bmaxi wrote:

But you can't top up 3v full stop, and you have to either spend all the funds on the voucher, spend 2.50 to get it back or lose it. Also Wirecard is valid for two years and you have the same C.C. no for that period. There are other ways to transfer funds to wirecard, have a read of this.

http://www.boards.ie/vbulletin/showthread.php?t=2055076589[/quote]

Yeah I guess. I have signed up to it and put money and so far I like it way more than 3v. :cool:

kensutz wrote:

Just signed up to wirecard so hopefully this will be the end of me using 3V.

Same here.

Noely1987

Does anyone know if 3v can be used on sideshowtoy.com?

Judgement Day

Anywhere that accepts VISA will accept 3v - it is that straightforward. I use 3v quite a bit and I find it spot on and cheap.:):)