I have a question that I hope someone can give me some good info. First of all, let me preface by saying that I leave for Colombia on Saturday morning, September 3rd, and I am ssooooooooooooo excited....I haven't been back in 5.5 years, and it is definitely time to put in an appearance. I have a checking account at Wachovia Bank here in the U.S. Well, I was looking at the back of my debit card, and it says that my card is accepted at ATMs with the Plus, Interlink, and NYCE logos....however, it does not say anything about being able to use it at ATMs with the Cirrus logo. Conavi works with Cirrus. Has anybody with a Wachovia checking account had trouble taking out money from their account using a Conavi or a Bancolombia ATM while in Medellin? Please advise as my trip is only a few days away, and I am getting nervous!!! Thank you for your imput!

Posted on August 29, 2005


You might also like:

Comments:

You won't have any problems.. using your card in COL. BUT be careful because your bank may CHARGE you $1.5-3.0USD PER TRANSACTION! It can add up if you're using it every day. Check with your bank to see if they charge for using OTHER banks ATM machine.



One thing i did was get a CITIBANK acc't becaues i know CITIBANK has ATM in COL, so i just go there i use it. I don't get charge ATM fees.

Posted on August 29, 2005


You see Plus almost as much as cirrus. I tried it in a few without the Plus sign and it still worked. Sometimes the signs are worn off and you're not sure what it takes.

Maureen

PS: Make sure you call you bank and tell them where you are going and how long you will be gone, and get a # to call in case of a problem. If they see something out of the country, they may block your card. Mine did once even after I told them.

Posted on August 29, 2005


ATM card I have a Wachovia ATM card and used it in Bogota at 3 to 4 banks. Did not have a problem. I would suggest you call Wachovia and let them know the dates you are in Colombia so they do not put a hold on the card. Did this last time I visited and had no problems.



Am going this Thursday for my second visit.



Have a good time!

emiami

Posted on August 29, 2005


Debit Card I have a Wachovia Debit Card I have used all over Central America with no problem, at all ATM machines. I contacted my bank befor I set out and avdised them that I may be using the card any were in the world, and had them put a note to that efect on my account.If you dont do that they may put a hold on the account and you may not get any money, not for your benifit but to protect them selfs.

Posted on August 29, 2005


A little tip An interesting piece of information is this. If you use your debit card to withdraw money your bank will probably charge you 1 to 4 dollars, but if you use it to pay for goods at supermarkets, stores, etc. they won´t charge you. So, there you have it, use it to pay directly instead of withdrawing money from an ATM

Posted on August 29, 2005


I Have a Debit Card.... that I use frequently to access a small bank in central florida when I have certain investments direct deposited. This is in addition to my Citybank account. I have NEVER been charged for the use of my debit card by either the issuing bank or the bank in Colombia. While I withdraw mainly from Conavi, the wife has had an account there for years, I have used Banco de Colombia, Banco Cafe, et. al. and can never remember a service charge.



Avoid using MasterCard, VISA to with draw money-the charges would make the Mafia blush.



P.S.



In travels to Ecuador, Panama, Venezuela, Bolivia, Jamaica and other countries I don't remember any charges for using a debit card.

Posted on August 29, 2005


My TD Canada Trust debit card worked everywhere I tried it, even when there was no PLUS symbol. TD did charge me $CAD 3.00 per use.

Posted on August 29, 2005


Please Explain I have NEVER been charged for the use of my debit card by either the issuing bank or the bank in Colombia.



No problem with issuing bank or their designated affiliates.



I've ALWAYS paid an ATM transaction fee overseas. Are you sure you are not paying a few bucks ATM transaction fee? The Colombian ATM's don't say this, it shows up on the statement.

Posted on August 29, 2005


There are many US (or Canadian?) banks that have various accounts (or account status types) that don't charge a fee on overseas ATM usage.



Outside of the U.S., very few ATM owners (e.g. the local bank) charge a fee for using their ATM.



Thus, if you are paying any fees, even little US$1 or US$5, you are paying money you don't need to pay. You're not getting better service for this money (as you don't have to close your existing account to have a 'free' account somewhere else), so you are wasting money.



Face it, these little fees aren't cheap when cheap is $0.

Posted on August 29, 2005


That is great Yes, Zero transaction is good. Please furnish a name and I'll call them. Every bank in the world has a branch here.

Posted on August 29, 2005


You don't need a branch there, use your USA bank's ATM (as the original poster indicates he'll be a visitor and is using Wachovia which I believe will hit him with ugly fees!).



Many banks that don't charge fees have been discussed in various topics here. BofA for advantage level customer using BanCafe or BanColombia or two other chains is one example. Provident Credit Union, TD Waterhouse, and E*Trade I believe may be others.

Posted on August 29, 2005


My Credit Union has stopped all debit transactions from Colombia I will be in Bogotá soon so notified my credit/debit card companies not to block transactions from Colombia during my stay. To my surprise my credit union said they have stopped all debit transactions from Colombia. (No where else in central/south America??.just Colombia.) They said so many customers accounts were cleaned out from Colombia they blocked the whole country. Credit Union customers have never visited COL but recently used their debit/ATM card to pay for meals at COL businesses here in Orlando. The only way I can see this happening is the debit card being swiped twice at the business here in Orlando. Once to pay the bill and a second time to read the card and obtain the account holder information for a duplicate card. Then transmit the information or duplicate card to other criminals in Colombia. Any better ideas?



With such a short time frame till I leave, I will be stuck taking cash advances from my credit cards. Aaahhhh!

Posted on August 29, 2005


Forgot to mention the thiefs in COL were using the fake cards to make purchases, not at ATM's.

Posted on August 29, 2005


i just signed up for a wachovia checking account the other day. And i could of sworn i saw somewhere that they only charge a buck anywhere worldwide for atm withdrawals. Of course, that didn't include whatever the other bank would charge. However, in searching for that info again, i found this.



"Can I use my Check Card in foreign countries?



You can use your Check Card to make purchases at millions of locations all over the world. You can also withdraw money worldwide at over 890,000 Visa/Plus® ATMs. Money will be dispensed in local currency. An International Service Assessment (ISA) fee of 1% will be applied to each international transaction. To learn more about currency conversion or to use Visa's exchange rate calculator, please visit Visa's currency exchange Web site. "



http://www.wachovia.com/helpcenter/page/0,,2375_3019%5E2151,00.html#1187

Posted on August 29, 2005


Different banks charge different mark-ups for cross-border transactions; some impose no mark-up or fees. If you frequently travel internationally, the different pricing structures charged by issuing banks should be one of the factors you take into consideration when you select the card that best suits your needs. IMPORTANT!!!!!!!!!!!!!!!!! You should(must) contact the bank that issues your card to learn more about the charges you may incur when using your card internationally. Again, hopefully, you are talking about a DEBIT card.

Posted on August 29, 2005


Kikolina My debit Card have the logo cirrus too and I use it in Colombia, the majority of the Cash machines have the logo cirrus. my bank doesn't charge me that much.and give me a great exchange rate.

Chao X-)

Posted on August 29, 2005


All you posters talking about a $1 fee as cheap... that kills me. I'd have like 10 of those a month, sall 100/year. Who would accept writing their bank a $100 check in order to open/hold an accont with them??? Are you crazy? But if you only pay it per transaction, then $100/year is acceptable.



Face it, fees are expensive when there's competition that doesn't charge fees.

Posted on August 29, 2005


Some People Find... the convience worth it. Last time we were in Miami a coke at McDonalds was more than that-and 50% ice.

Posted on August 29, 2005


Just returned from Bogota-was not charged ATM fee from Wachovia Just returned from Bogota, just checked my balance and I was not charged an ATM fee for using Wachovia ATM card at Banco Colombia

emiami

Posted on August 29, 2005


Leo You are spot on! Clients using an ATMs should be recieving a $1-$2 Discount everytime they are used. Think about it, with ATMs-No employee is utilized, no lunch/coffee breaks, no sick or vacation days payed to a Employee. They work like Dogs 24/7! These have been some of thee biggest money savers(and money makers) in the history of Banking and these charges are simply criminal. Predatory! No wonder Banking profits reported their biggest profits in recnt history!

Posted on August 29, 2005