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Excessive Debit Card charges

  • 14-12-2016 10:29pm
    #1
    frostypants
    Closed Accounts Posts: 209 ✭✭


    I've always noticed small charges on my account when using card on amazon. Id have one transaction with full value and another with 22c etc.

    Thing is now i purchased a weekend in hotel in prague and paid e400 on card. But afteru that i see another charge for e7. Seems excessive? The transaction says czk/10796.49/26.99459 e0.00 and then a debit card charge of e6.99.

    Any thoughts on this. Is this normal?


Comments

  • #2
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    It's foreign exchange charges.


  • #3
    frostypants
    Closed Accounts Posts: 209 ✭✭frostypants


    notjustsweet wrote: »
    It's foreign exchange charges.

    But I paid in euros. But yeah. Maybe cause they charged my account e400 from a foreign account


  • #4
    ED E
    Registered Users, Registered Users 2 Posts: 36,169 ✭✭✭✭ED E


    frostypants wrote: »
    But I paid in euros. But yeah. Maybe cause they charged my account e400 from a foreign account

    You thought you did, you didnt. There was probably a little footnote on their site.


  • #5
    ytpe2r5bxkn0c1
    Closed Accounts Posts: 32,688 ✭✭✭✭ytpe2r5bxkn0c1


    If it's AIB the transaction charges are a % and this looks like 1.75%. Check their service charges or the rates for your bank.

    Seems about right.


  • #6
    GerardKeating
    Registered Users, Registered Users 2 Posts: 7,685 ✭✭✭GerardKeating


    frostypants wrote: »
    I've always noticed small charges on my account when using card on amazon. Id have one transaction with full value and another with 22c etc.

    Thing is now i purchased a weekend in hotel in prague and paid e400 on card. But afteru that i see another charge for e7. Seems excessive? The transaction says czk/10796.49/26.99459 e0.00 and then a debit card charge of e6.99.

    Any thoughts on this. Is this normal?

    If the transaction shows a CZK amount, most likely you paid in CZK, and depending whose rate is better (your card issuer or the Merchant) you might have made the better choice.

    Your Card issuer has always added a fee to foreign transactions, but now are required to list them separately, rather than bundle it in the transaction.


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  • #7
    Walter2016
    Closed Accounts Posts: 522 ✭✭✭Walter2016


    1.75% foreign exchange fee - I think the max fee is €11.


  • #8
    Fred Swanson
    Closed Accounts Posts: 21,730 ✭✭✭✭Fred Swanson


    This post has been deleted.


  • #9
    frostypants
    Closed Accounts Posts: 209 ✭✭frostypants


    Thanks guys for the answers. Reason I asked as it was never that high only. Also have a similar payment taken out from Ryanair and that was only e2.02 and was just wondering.


  • #10
    njs030
    Closed Accounts Posts: 4,030 ✭✭✭njs030


    frostypants wrote: »
    Thanks guys for the answers. Reason I asked as it was never that high only. Also have a similar payment taken out from Ryanair and that was only e2.02 and was just wondering.

    It's a percentage fee, the higher the payment the higher the charge.


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