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Can i use my Debit Card in the U.S?

  • 07-07-2017 12:26pm
    #1
    Dylan12345
    Registered Users, Registered Users 2 Posts: 131 ✭✭


    I'm taking a trip to Philadelphia and i want to leave some emergency cash in the bank in case i need it. But is there any way i can take money out at an ATM ? I'm with AIB btw!


Comments

  • #2
    irlrobins
    Registered Users, Registered Users 2 Posts: 7,541 ✭✭✭irlrobins


    Shouldn't be a problem to use the card in most ATMs. You might be charged a fee, this is pretty standard in US if you use an ATM that isn't operated by the card issuer.


  • #3
    Dylan12345
    Registered Users, Registered Users 2 Posts: 131 ✭✭Dylan12345


    irlrobins wrote: »
    Shouldn't be a problem to use the card in most ATMs. You might be charged a fee, this is pretty standard in US if you use an ATM that isn't operated by the card issuer.

    Cool, Thanks! :)


  • #4
    OldBean
    Registered Users, Registered Users 2 Posts: 1,407 ✭✭✭OldBean


    It shouldn't be a problem, though the US is slowly catching up on banking technology so there's a chance on older machines you'll have to select 'credit' for it to go through.

    Try to use actual banks ATM's if possible - You're going to be paying a fee for the transaction in the first place, but the random ones in shops can top that up to be a pretty substantial cost.


  • #5
    Radiant Cool Crazy Nightmare
    Registered Users, Registered Users 2 Posts: 237 ✭✭Radiant Cool Crazy Nightmare


    I would add that you should notify your card company that you will be travelling to the states. My card was rejected over there and I got a text regarding suspicous activity on my account, only took a phone call but it was hassle I did not need when I was trying to win back my money in Vegas.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,620 ✭✭✭✭coylemj


    Radiant Cool Crazy Nightmare wrote: »
    I would add that you should notify your card company that you will be travelling to the states.

    +1 I never had to do this with my credit card which I estimate I have used in over 30 countries but I was in Chicago last year and having run out of cash at the end of my last night, I tried to use a (BoI) Visa debit card in McDonalds and it was rejected so I had to use the Mastercard instead.

    Don't know if AIB allow you to do this online but for any BoI customers with a debit card reading this, you need to login to 365online, click on 'Manage Accounts', click 'Service Desk', click the arrow under the 'What can we do for you' banner and select 'Card Travel Notification'.


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  • #7
    tglynn
    Registered Users, Registered Users 2 Posts: 111 ✭✭tglynn


    Dylan12345 wrote: »
    I'm taking a trip to Philadelphia and i want to leave some emergency cash in the bank in case i need it. But is there any way i can take money out at an ATM ? I'm with AIB btw!

    You should get a Revolut card.

    thread here: http://www.boards.ie/vbulletin/showthread.php?p=96710921


  • #8
    readytosnap
    Registered Users, Registered Users 2 Posts: 1,330 ✭✭✭readytosnap


    AIB will let you add a travel note online or through the app.
    I never had an issue using mine over there, saves you carrying lots of dollars also.


  • #9
    missmatty
    Registered Users, Registered Users 2 Posts: 1,126 ✭✭✭missmatty


    I travelled to the US and Central America in May and notified both of my banks of each country I would be using my cards in. Still had hassle and card rejected at the till when trying to pay for stuff and at ATM, not all the time but sometimes. Have a backup card if possible, I was lucky that I had a spare for emergencies.


  • #10
    Nemeses2050
    Registered Users, Registered Users 2 Posts: 1,569 ✭✭✭Nemeses2050


    coylemj wrote: »
    +1 I never had to do this with my credit card which I estimate I have used in over 30 countries but I was in Chicago last year and having run out of cash at the end of my last night, I tried to use a (BoI) Visa debit card in McDonalds and it was rejected so I had to use the Mastercard instead.

    Don't know if AIB allow you to do this online but for any BoI customers with a debit card reading this, you need to login to 365online, click on 'Manage Accounts', click 'Service Desk', click the arrow under the 'What can we do for you' banner and select 'Card Travel Notification'.

    AIB also allow you to do this online.


  • #11
    Glenster
    Registered Users, Registered Users 2 Posts: 2,626 ✭✭✭Glenster


    tglynn wrote: »
    You should get a Revolut card.

    thread here: http://www.boards.ie/vbulletin/showthread.php?p=96710921

    even if only for the amazing packaging it's delivered in. well worth the 6 euro by itself.


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  • #12
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,707 ✭✭✭✭Atlantic Dawn
    M


    There's usually a €150 a day limit on what you can take out in US on Irish debit cards.


  • #13
    CeilingFly
    Closed Accounts Posts: 3,378 ✭✭✭CeilingFly


    Atlantic Dawn wrote: »
    There's usually a €150 a day limit on what you can take out in US on Irish debit cards.

    Since when?

    Never had an issue taking $400+ out, but some atm machines have limits on all non usa cards. They are usually the independent machines in shops.


  • #14
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,707 ✭✭✭✭Atlantic Dawn
    M


    CeilingFly wrote: »
    Since when?

    Never had an issue taking $400+ out, but some atm machines have limits on all non usa cards. They are usually the independent machines in shops.

    AIB do anyways. Their credit cards are fine but debit cards restricted.


  • #15
    magentis
    Closed Accounts Posts: 2,249 ✭✭✭magentis


    Atlantic Dawn wrote: »
    AIB do anyways. Their credit cards are fine but debit cards restricted.

    I didn't have that issue a few months ago.Used my debit card for €800 approx in one day.


  • #16
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,707 ✭✭✭✭Atlantic Dawn
    M


    magentis wrote: »
    I didn't have that issue a few months ago.Used my debit card for €800 approx in one day.

    Perhaps AIB only. They seem to have increased from €150 to €250 since chip and pin came in last year in US...
    What is the daily ATM cash withdrawal limit on my Debit Card?

    You can use your card for cash withdrawals from ATMs in the Republic of Ireland and worldwide (up to a daily limit of €600) where the Visa logo is displayed. Please note: at some ATMs abroad, particularly in non-European locations, the daily cash withdrawal limit may be reduced to €250 or less. Also local ATM limits may apply.

    https://aib.ie/help-and-guidance/aib-debit-card-faqs


  • #17
    cactusgal
    Registered Users, Registered Users 2 Posts: 830 ✭✭✭cactusgal


    Atlantic Dawn wrote: »
    Perhaps AIB only. They seem to have increased from €150 to €250 since chip and pin came in last year in US...



    https://aib.ie/help-and-guidance/aib-debit-card-faqs

    I've not experienced that. I'm with AIB, was working in NYC for 6 weeks in April/May of this year, and would withdraw $600 at a time, no issues.


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