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 Debit Card V2

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Blue07
post Sep 2 2011, 01:23 PM

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My apologies if what I'm about to ask has been answered somewhere in this topic. I checked the first page of v1 and v2 in case there answer was there and found none.

I am interested in applying for the PBB visa electron as I gather it can be used for cash withdrawal overseas from any Visa/PLUS. However, my understanding is that some countries' ATMs are equipped for 4 digit PIN whereas I believe all our cards (credit, debit, atm) are 6 digit PINs. My email enquiry to PBB came back with this:

"Please be informed that the minimum PIN digit for a debit card/credit card for ATM function is 6 digits, not 4 digits.

Kindly make your cash withdrawal function at ATM machine which displayed logo "VISA" or "PLUS" only. Please advise us all the options that available from the screen and which option has you chosen in order for us to assist you. You may have chose the wrong option for your withdrawal function."

Does anyone have experience using the PBB Visa Electron for cash withdrawals overseas where the ATMs accept 4 digit PINs?

Thanks a bunch.


Blue07
post Sep 2 2011, 06:16 PM

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QUOTE(snigapoe @ Sep 2 2011, 02:41 PM)
i'm not sure regarding the pin number
but keep in mind that each withdrawal they will charge you additional fee + admin charge by the carrier which you withdraw from
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Thanks for the heads up on that. It's meant to be a back up more than anything else as I'll be using cc for the larger spends. But just in case I need more cash ... tongue.gif

Blue07
post Sep 4 2011, 09:54 AM

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QUOTE(monsta2011 @ Sep 3 2011, 11:30 PM)
Hmm interesting. I was able to withdraw cash with a 4-digit PIN card in Malaysia but haven't tried the other way round.  sweat.gif
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Funny thing is that the banks themselves seem not to quite know and give me vague ambiguous answers such as the one I have posted. One international bank's customer service personnel told me to just key in the 6 digit PIN anyway and "it should work". Another local bank told me to "look for ATMs of international banks. They should have a machine that caters for 6 digits". sweat.gif
Blue07
post Sep 5 2011, 11:23 AM

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QUOTE(hye @ Sep 4 2011, 01:08 PM)
Apologies for the late entry.
I'm afraid there's no way to circumnavigate this problem. I agree calling the local foreign bank or your bank's CS would not help much as highly likely they don't know it themselves unless they have experienced it before. You still need to look for ATMs which accept 4 digit PINs. One possibility is to use an international brand debit cards in the likes of Citibank, SCB, etc and use it at another Citibank ATM (if you are using Citibank and likewise for other cards) - in such cases the ATM will ask you to input 6 digit although the local system is 4 digit only.

Alternatively, you need to walk into the foreign bank itself with your passport and attempt to withdraw cash from your debit card manually.

Note that not necessarily the second option would work (I have never done the second approach myself). While all banks (all over the world) are supposed to support this method, a few times I have noticed foreign tourists in Malaysia being asked to use the ATM instead of using the counters/tellers in our local banks.


Added on September 4, 2011, 1:11 pm

Highly likely not to work because if the local system is 4 digits even the ATM's of international banks will also follow 4 digits.
I'm speaking from experience in a particular country in Asia.

CS just guessing but likely never experience this themselves.

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Thanks for replying. I figured the situation is pretty much as you put it but the second option of walking into the bank is a good idea. Well, just as well the debit card plan is merely a back up plan then!

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