BKK Bank Pattaya

[whittler 3]

Does anyone know the most money you can draw out from ATM card at one time ?

 

My limit in the US is $500.00. Can you use the card in the bank , instead od the machine ?

 

Thanks,

 

Mike / aka whittler

[LostInAmsterdam 0]

Does anyone know the most money you can draw out from ATM card at one time ?

 

My limit in the US is $500.00. Can you use the card in the bank , instead od the machine ?

 

Thanks,

 

Mike / aka whittler

 

 

Normally you can withdraw up to the amount of your card.

[js007 795]

I have a Bank of America card and I believe the limit is $700 a day (on the debit card). However, for a point of sale transaction to buy something, the limit is much higher. I'd surely check with the bank to see about raising the limit or whether the cash taken on the card inside the bank would have a hight limit. Of course, you could always get a few accounts and link them.

 

J

[joekicker 53]

Does anyone know the most money you can draw out from ATM card at one time ?

 

My limit in the US is $500.00. Can you use the card in the bank , instead od the machine ?

 

The daily amount is entirely between you and your bank. However, the main reason for a limit is for your protection - to avoid someone stealing your card and draining your account. So you might talk to your bank, explain your're going to be spending a lot, and ask them to up your limit.

 

Generally speaking, you cannot use a card "in the bank" i.e. like a withdrawal form with the cashier.

[js007 795]

The daily amount is entirely between you and your bank. However, the main reason for a limit is for your protection - to avoid someone stealing your card and draining your account. So you might talk to your bank, explain your're going to be spending a lot, and ask them to up your limit.

 

Generally speaking, you cannot use a card "in the bank" i.e. like a withdrawal form with the cashier.

 

Is that really true? I've read reports from guys who insisted that they do this once a month for little cost. I've never tried it though, but I don't know why it couldn't be done. I have done it in the USA.

 

J

[jacko 8,813]

I seem to be limited to 25,000 per withdrawal when using a machine stocked with 1000 baht notes.. less if the machine is loaded with 500s. I seem to recall setting a daily limit with the bank when I opened the account, but I find 25,000 / day suffices! It can also be used like a debit card if buying big ticket items.. I bought an LCD TV using it recently, 50,000 baht.

[joekicker 53]

I seem to be limited to 25,000 per withdrawal when using a machine stocked with 1000 baht notes..

 

Oh, there could well be a machine limit, but you can just stick your card back in and do it again, or if it's empty go down the street to another machine.

 

That's different from a limit of what you can take from your account in a 24-hour period. Almost all accounts/banks have such a daily limit. I put mine higher than yours because it's handy when I'm abroad to take a bunch of money at one time and not let the foreign ATM firms dig into my otherwise free Thai transfer. But although it's quite high, I still have a daily limit.

 

THEN I have to find a machine that will let me take it all in one go, for one fee.

Edited May 17, 2008 by joekicker

[Eneukman 1]

I discovered by chance last year that my daily limit is 50,000 baht. Normally, that is more than enough - I tend to draw 20,000 baht at a time- but this particular day I needed more to cover my rent and a new laptop I wanted to buy!

 

Alan

[Emil 0]

Remember that if you have a daily limit you could draw out more in a day in LOS as you could draw out in the morning and then again in the evening which could cover 2 days in your country.

[joekicker 53]

Remember that if you have a daily limit you could draw out more in a day in LOS as you could draw out in the morning and then again in the evening which could cover 2 days in your country.

 

Probably, but only once. Then, the next morning you'd be SOL. Whether it's their 24 hours or your 24 hours, it's still 24 hours.

[Bob4you 0]

My USA card is $1000, but my Aduathera card is B100,000.

[jacko 8,813]

I thought the OP was asking about a Bangkok Bank ATM card... some people seem to be confusing the subject with foreign ones.

 

As I said, I seem to be limited to 25k per withdrawal, and accept that I could put the card in again and get more. I also recall setting some daily (or 24 hour) withdrawal limit when I opened the account.

 

I was interested in Joe's statement 'free Thai transfer'... tell me more.

 

Outside of Thailand,I have always reverted to my UK ATM cards... with ensuing high expenses.

[Gary 4,118]

I deal with Siam Commercial bank and every machine I have used is limited to 20 bills. If the machine is stocked with 1,000 baht notes, that's 20,000 baht. I try to use only Siam Commercial ATMs because of the danger of losing my card or fraud. If I use my Citibank ATM card, I can make more than one withdrawal in one day. Siam Commercial has a set limit of 20,000 baht per day.

[joekicker 53]

As I said, I seem to be limited to 25k per withdrawal, and accept that I could put the card in again and get more. I also recall setting some daily (or 24 hour) withdrawal limit when I opened the account.

 

Bangkok Bank definitely has a per-transaction limit. I have one of those super-dooper black-and-white cards and I think it's 30,000 - something like that. BUT I can stick the card right back in and do the limit again. About the third time you do it, you have to put up with the muttering of the people behind you but if they can't do the time, they shouldn't do the line, that's my motto.

 

Eventually I run into a daily withdrawal limit which I have set at 100,000. (I never even thought about asking them if I can adjust the per-transaction limit.) But I can go to any single machine and get that 100,000 with three or four transactions in a row, so long as the machine has 100,000 inside.

 

I was interested in Joe's statement 'free Thai transfer'... tell me more.

 

Thai banks don't charge for any domestic ATM use, including almost all (or all???) inter-bank machines, i.e. if you use a Siam Commercial ATM with a Bangkok Bank card, no charge. It's a consumer-friendly regulation. They can't charge for queries such as account status and the like, and can't charge for withdrawals. If you spot a Thai ATM machine, and you have a Thai ATM card, they go together and there's no charge no matter the brand of the machine and the card.

 

They can and do charge for overseas use, but it's a small amount. Bangkok Bank is charging me 100 baht for overseas use which is why I'm a satisfied Bangkok Bank user even though they're big and impersonal and maddening sometimes.

 

So when I'm overseas I'm looking for an ATM of a bank that charges little or nothing, and allows a big withdrawal. I have that with a couple of banks where I have accounts, and I have sussed out machines here and there that are ATM user-friendly.

 

All in all, I prefer transferring money, but ATM cards are damned handy and sure beat Western Union for cost when speed is important, eh? My wife and I often are in different countries and we have got to like the convenience of fast ATM use. At 100 baht for $1,000, say, I'll take than any day. WU is a tad more than that. Heck, an ordinary transfer is 1,200, 1,400 baht.

[jacko 8,813]

Thai banks don't charge for any domestic ATM use, including almost all (or all???) inter-bank machines, i.e. if you use a Siam Commercial ATM with a Bangkok Bank card, no charge.

Well, some good feedback there Joe, but, as much as I dread to do so (who in their right mind would get into an argument with you? ), I dispute this above statement. I checked my bank book, a Bangkok bank savings account, and I most definitely have been charged for some withdrawals. Ten baht several times for use at a Bangkok Bank ATM, but in another Thai region than the account. I have also been dragged all over Pattaya by Thai friends, looking for ATMs of their own bank, to avoid some inter bank charge. My GF often gripes about charges exacted when she draws from her Korat account, here near Pattaya. ( I am in awe at what I can learn from Thais regarding saving a baht). Perhaps you meant the charges were trivial? Edited May 20, 2008 by jacko

[joekicker 53]

Well, yes, MOST bank-to-bank withdrawals aren't charged as I said. Cross-network, not cross-bank withdrawals may be charged.

 

If I'm not mistaken, there are two (I'm pretty sure it is two) ATM networks in Thailand, and some banks will charge if you use the other NETWORK- not other banks, but the other network. So, say, if you use a Thai Farmers-Kasikorn machine with a Bangkok Bank card, they can legally charge you and sometimes or often will. I can and do walk up to an SCB bank and use my ATM in their machine inside their bank - no charge, because it's the same net.

 

In short, you should know your bank's logo (they all have one) and try to use a machine that has that logo. A lot of people actually go for Bangkok Bank because the Kasikorn network has far fewer ATMs. But Kasikorn is popular as a walk-in bank so people like it... etc.

 

I believe that's the regulation. I'd be delighted to take corrections.

 

The ATM charge may seem trivial, and 10 baht on 10,000 is trival, but a lot of Thais take 200 baht out of their account which has 285 baht, and it's not so trivial for them - so I wasn't really making that particular argument here.

[Gary 4,118]

I have two Siam Commercial accounts. They have a 20 baht charge if the ATM card is used out of the province your account is located. Using other bank ATMs within the province is also free but you will pay the 20 baht charge if you use the card in another province regardless of the bank. If you use the little Mickey Mouse machines in some convenience stores, there is also a charge.

[joekicker 53]

Must be an SCB thing. Never heard of the "out of province" charge. Half the time in Bangkok you never even know what province you're in. And what about Pattaya, which is a city without a province?

 

There are incredibly anal rules within each bank, and each bank has several classes of card and on an on. Headache.

[Emil 0]

Must be an SCB thing. Never heard of the "out of province" charge. Half the time in Bangkok you never even know what province you're in. And what about Pattaya, which is a city without a province?

 

There are incredibly anal rules within each bank, and each bank has several classes of card and on an on. Headache.

 

My TGF has a Bangkok bank account and everytime that she transfers money to her parents Bangkok bank account in Korat she gets hit with a 20 baht charge. No charge for me when I tranfers money from my Bangkok account to hers in Pattaya.

[jacko 8,813]

Agreed Emil, Bangkok Bank charge for both out of province deposits and withdrawals. But how they define this (as per the Bangkok to Pattaya being free) well TIT.

[Gary 4,118]

The most stupid charge I ever saw was by the then Thai Farmer's Bank. I had sold a vehicle out of the province and went to the first Thai Farmer's bank I saw. The charged me a hefty fee for depositing that money. I paid it but changed banks shortly afterwards.

 

I was already pissed off at them for refusing to deposit checks into my account that were under $100 US dollars. I changed to Krung Thai and was very happy with them. I eventually changed to Siam Commercial because of branch location convenience.

[joekicker 53]

My TGF has a Bangkok bank account and everytime that she transfers money to her parents Bangkok bank account in Korat she gets hit with a 20 baht charge. No charge for me when I tranfers money from my Bangkok account to hers in Pattaya.

 

Not that I know or even want to know but I hazard a guess that BBL has put you in different classes. I only go to one fairly small Bangkok Bank office, but they have like half a dozen different-coloured ATM cards on display, supposedly up some ladder like Hindu rebirth.

 

When I opened an account quite some years back, the assistant deputy whatever said she was SO proud to give me a blah-blah class ATM card, highest they have, and I would never have to be an Untouchable or even sign over my son to them. Like Gary says just above, the internal rules of any given bank can be even more obscure and silly than banking law, which already is impenetrable.

 

I don't pay for anything at the ATM in Thailand and I pay 100 baht for overseas ATM withdrawals, this I know. But just why, and how it works, you got me. BBL likes me because they mortgaged my house and a couple of other semi-heavy deals and they made a bunch of money off me so they don't seem to gouge me, maybe that's why. Not that banks generally need a reason to gouge you.

 

The idea that the bank charges 20 baht to put money in makes me want to puke, though. Jeez.

[Emil 0]

Not that I know or even want to know but I hazard a guess that BBL has put you in different classes. I only go to one fairly small Bangkok Bank office, but they have like half a dozen different-coloured ATM cards on display, supposedly up some ladder like Hindu rebirth.

 

When I opened an account quite some years back, the assistant deputy whatever said she was SO proud to give me a blah-blah class ATM card, highest they have, and I would never have to be an Untouchable or even sign over my son to them. Like Gary says just above, the internal rules of any given bank can be even more obscure and silly than banking law, which already is impenetrable.

 

I don't pay for anything at the ATM in Thailand and I pay 100 baht for overseas ATM withdrawals, this I know. But just why, and how it works, you got me. BBL likes me because they mortgaged my house and a couple of other semi-heavy deals and they made a bunch of money off me so they don't seem to gouge me, maybe that's why. Not that banks generally need a reason to gouge you.

 

The idea that the bank charges 20 baht to put money in makes me want to puke, though. Jeez.

 

 

They didn't put me in a different class that I'm aware. I have only transfered funds from my Pattaya account to my TGF account which are both here in Pattaya. She gets hit with charges when she tranfers funds to her folks account in Korat and to her sister's account in Bangkok. I get all my funds from my credit union in California where I'm not charged any fees when I make ATM withdrawals as long as I'm using an ATM with the correct logos.