Chile ATM troubles
Replies: 10 - Last Post: Dec 10, 2012 4:55 AM Last Post By: banjanti_respawn
Dec 7, 2012 3:46 AM
Chile ATM troublesHello all,
From what I've read, there are notoriously many problems with foreign ATM (debit) cards in Chile and I've fallen victim to this problem as well.
I have a USA issued debit card from a credit union. Every time I try to use it at any bank's Redbank-owned ATM, my transaction is denied (I am using the 'extranjero' option). The card is a VISA and on the back it says Cirrus and Interlink. As far as I know, a VISA + Cirrus card should work in these. It is not a PIN issue and it doesn't seem to be an issue on my bank's end. I have called them and they know I am here in Chile so the account is not blocked. They said that they don't even see any denied transaction on their end so I suppose that means there is a communication issue. I have tried ATMs in Arica, Santiago and Mulchen (all different banks) and the same thing happens.
Does anyone have the faintest clue what is going on? I'm not sure where to go from here. The bank's themselves have all been super unhelpful.
Thanks for your help.
Dec 7, 2012 5:06 AM
Dec 7, 2012 6:33 AM
Dec 7, 2012 7:23 AM
3Yes, I always thought Visa was Plus and Mastercard was Cirrus. Large banks like Santander should be able to cope with both. Try an ATM at a Banco Estado as they only take Cirrus. If it doesn't work, try a bank which doesn't take Cirrus. I think Banco Security maybe. Can't think of any other solution.
Dec 7, 2012 7:43 AM
4I'm living in Santiago now! My card is from a U.S. bank,checking account and has NYCE,PLUS and STAR on the back plus VISA on the front. I have had no problems getting money at any bank ATM here. I remember having a problem one time in England with a card issued from a saving account maybe that is your problem! Internationally It needs to be a checking account at least that what I understand.
Dec 7, 2012 7:53 AM
Dec 7, 2012 11:00 AM
6Problem with credit unions is the fact that they use few systems on the card, there is eg NYCE in US or INTERAC and EXCHANGE in Canada, Cirrus (MC) / Plus (Visa) on international networks that suppose to work parallel to domestic system. The thing is: they not always do, North American banking is 100 years retarded.
I had Canadian "debit visa" that was refused on all Canadian merchants site online, but was working perfectly on international sites. The thing was the Canadian system seen it all the time as INTERAC and refused transactions of Plus/Visa.
In this case it can be opposite. That's why is the best to open reliable account while still home instead of using some Amish village banking.
Dec 7, 2012 3:20 PM
7I had this recently as well in Arica with UK issued VISA credit and debits cards. Wouldn't work in various RedBank ATMs for some reason, but worked fine in those at a Santander bank. Had never had an issue with this on previous visits so I wonder if they have got more fussy about foreign cards recently
Dec 9, 2012 1:55 PM
81, the card really says Cirrus, but it is a Visa. I have no idea what that means for me.... that doesn't seem right, does it?
I have used this card in USA, Europe, Australia, NZ, Bolivia and Peru with no issues though, so I'm not sure what it is about the Chilean system that doesn't allow it to work.
Dec 9, 2012 3:39 PM
9I'm currently living in Santiago and have had some problems both here and in Brazil. From what I've been told they have chips in their cards that US credit/debit cards don't have. My card doesn't work at Santander but it does work at Banco de Chile. Sometimes the card isn't the problem and the ATM's are out of money or don't dispense past a certain time. I would say just try every ATM you hit but know that some require chips so it's not just you! Also make sure your bank knows you're out of the country, they often put a block on it. Hope it helps.
Dec 10, 2012 4:55 AM
Whole world has chips in cards, that's your banking that is far behind. If that's true this is good news, I hope all non-chip cards will be declined everywhere, maybe then your banks will wake up and notice that we have 21st century.
Magnetic stripe is the reason for all headache with cards frauds, I like to see it gone ASAP
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