Paying for car in uk with Irish debit card

garycoyle1

Thinking of buying a motor in uk just wondering can I use my aib visa debit card to pay for a car if I notify my branch first. Really don't want to bring cash or wait for a draft to clear as would like to travel over and back on the same day thanks

Not many places in UK will accept Visa Debit. Check before you travel.

lanber man

Clear it with your bank aswell first. Theres a limit on most of 2500 when you go abroad. Thats €2500 so exchange rates come into effect aswell

ek9er

Deleted User wrote: »

Not many places in UK will accept Visa Debit. Check before you travel.

Considering visa debit is what every bank in the uk provides to every current account holder that is completely wrong

ek9er

ek9er wrote: »

Considering visa debit is what every bank in the uk provides to every current account holder that is completely wrong

Maybe I'm thinking of the old Laser card? I know when I tried to use it in the UK, it wasn't accepted.

3DataModem

garycoyle1 wrote: »

Thinking of buying a motor in uk just wondering can I use my aib visa debit card to pay for a car if I notify my branch first. Really don't want to bring cash or wait for a draft to clear as would like to travel over and back on the same day thanks

The dealer may impose a surcharge for all card transactions, or for non-UK debit card transactions.

ek9er

Deleted User wrote: »

Maybe I'm thinking of the old Laser card? I know when I tried to use it in the UK, it wasn't accepted.

yeah laser worked about 50/50 for me

Marcusm

Deleted User wrote: »

Not many places in UK will accept Visa Debit. Check before you travel.

Visa Debit is much more widely available in the UK than Ireland and is very commonly used to buy cars in dealerships - many more will acccept Visa Debit who will not accept credit cards.

OP: Unless you are spending a trivial amount on the purchase, it is likely that a foreign debit card will not attract a particularly good exchange rate. Have a read of the Importing a Car from the UK threads - you'll find lots of useful posts re different methods of payment and online currency purchase.

garycoyle1

Thanks I will read threads now its about 11000 sterling

discombobulate

garycoyle1 wrote: »

Thanks I will read threads now its about 11000 sterling

Do bank drafts need to clear? I'd have thought that they can verify the draft by phoning the bank? Easiest would be to first ring the dealer and ask do they accept and then ring your bank to make sure there'll be no limit. You'll probably end up paying a surcharge of af a couple of % though on the exchange rate so it'll cost you an extra couple of hundred quid.

Also the dealer is less likely to give you as much of a discount as with cash so it could end up making the purchase around £500 more for you at an estimate. I think the rate is generally around 1% of the transaction they'd have to incur for accepting it.

blingrhino

Laser cards- do people still have these :eek:

nogoodnamesleft

It will work however the exchange rate you receive will wont be as good as if you shopped around + depending on who your card is with they may charge a foreign currency fee.

georgefalls

You can't haggle with a bankers draft, when you get to see the car in the metal.

georgefalls

georgefalls wrote: »

You can't haggle with a bankers draft, when you get to see the car in the metal.

It will still be treated like a cheque and will have to be cleared. Won't take as long, but you won't be able to take car until bank clears draft.

BMJD

georgefalls wrote: »

You can't haggle with a bankers draft, when you get to see the car in the metal.

if the car is £11k, bring a draft for £10k and pay the rest (if any) with credit/debit card

ABajaninCork

Why not do a bank transfer? Get the bank details from the dealer, including the IBAN, and it should be fine.

ABajaninCork

Deleted User wrote: »

Not many places in UK will accept Visa Debit. Check before you travel.

Not true. Visa Debit is internationally accepted.

georgefalls

ABajaninCork wrote: »

Not true. Visa Debit is internationally accepted.

Not quite true. VISA is, but VISA DEBIT not so much.
One is a credit card, the other is a debit card.

Marcusm

BMJD wrote: »

if the car is £11k, bring a draft for £10k and pay the rest (if any) with credit/debit card

Drafts are practically dead in the UK and wouldn't be that attractive to a dealer. Frankly, a bank transfer would more likely get the car released faster.

ABajaninCork

georgefalls wrote: »

Not quite true. VISA is, but VISA DEBIT not so much.
One is a credit card, the other is a debit card.

I know the difference, and I stand by what I said. Where you see the Visa sign, the card will be accepted. I've used Irish & UK cards here as well as in the UK and beyond. Never had a problem.

georgefalls

ABajaninCork wrote: »

I know the difference, and I stand by what I said. Where you see the Visa sign, the card will be accepted. I've used Irish & UK cards here as well as in the UK and beyond. Never had a problem.

I agree, that's how it should be. But, I've tried to use DEBIT where the VISA sign is online, and quite often they won't accept VISA DEBIT. The annoying bit is, they don't even give a reason. Go figure..

ABajaninCork

Hmmm. You must've been unlucky georgefalls.

djimi

georgefalls wrote: »

Not quite true. VISA is, but VISA DEBIT not so much.
One is a credit card, the other is a debit card.

Im pretty sure that if a system accepts Visa cards then it doesnt know the difference. Certainly Ive never had any issues using a Visa debit card where Visa payments are accepted. The only issue might be with the limit imposed by the bank.

ABajaninCork

ABajaninCork wrote: »

Hmmm. You must've been unlucky georgefalls.

I'm unlucky too! There is a difference between Debit and Credit cards and only large organisations will accept Visa Debit. Went to buy petrol last week in the UK and the local filling station wouldn't accept the debit card.
As for Bank Drafts, went to buy a car there a few years ago with an Irish bank draft (in Sterling made out to the garage) and it was turned down.

djimi

Deleted User wrote: »

Went to buy petrol last week in the UK and the local filling station wouldn't accept the debit card.

Did they try it in their system or did they hear Irish debit card and decide that they werent going to accept it?

ABajaninCork

A lot of UK dealers won't accept sterling bank drafts, never mind foreign ones! I've always paid for my cars via bank transfer when I lived in London. Deposit paid via Switch, the rest by transfer. The only time I've ever paid for a car via draft was here!

discombobulate

ABajaninCork wrote: »

A lot of UK dealers won't accept sterling bank drafts, never mind foreign ones! I've always paid for my cars via bank transfer when I lived in London. Deposit paid via Switch, the rest by transfer. The only time I've ever paid for a car via draft was here!

A bank transfer would take a couple of days to go through though wouldn't it from an Irish bank?

ABajaninCork

Yes, I think it takes 24 hours to appear.

djimi

djimi wrote: »

Did they try it in their system or did they hear Irish debit card and decide that they werent going to accept it?

They tried it and it was not accepted. Nothing to do with nationality!