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Where can I use my BOA ATM card I Spain

We thought Deutsche Bank was compatible with BOA for purposes of using our ATM card but we're in Sevilla and it won't work. The message is at it's not compatible. Any other bank ATMs work with a BOA card?

Thanks!

Julie

Posted by
266 posts

It should be if it's within the Cirrus network. Try taking out a smaller amount - you may be over the amount of Euros allotted per day.

Posted by
23276 posts

If the networks match up there would be no reason for it not to work. And a BOA card should be either Cirrus or Plus. What do you have? How many ATMs have your tried? On a rare occasion I have found that my card will not work in one ATM but will work in the next one.

Posted by
5836 posts

I hope that you advised B of A of your travel to Spain. BofA is suppose to have a relationship with Deutsche Bank in Spain: https://locators.bankofamerica.com/international.html
That relationship only saves you BofA's $5 non-BofA ATM usage fee but BofA still does a 3% over Interbank markup.

You may want to contact BofA:
https://www.bankofamerica.com/help/international-contactus.go
Call international collect
1.315.724.4022
(international cell phone roaming charges may apply)

Mon-Fri 8 a.m.-11 p.m. ET
Sat-Sun 8 a.m.-8 p.m. ET

All times ET. Automated support is available 24/7.

Posted by
16893 posts

Remember that your home bank sets a daily withdrawal limit, which often used to be about $300/day, though I was pleasantly surprised to find that my current limit is now much higher. If that's the problem, most banks will adjust it for your travel period.

Then each ATM also has a per-transaction limit. At DeutscheBank, that's usually quite high, so less likely to be the issue this time. But that doesn't stop you from making multiple transactions at one machine or different machines.

Posted by
7318 posts

Bank Of America ATM cards, an older product, don't work abroad anymore. Bank of America Debit Cards, connected to a savings or checking account, should work in almost any ATM in Seville - if you made a Travel Notification to B of A. Call the number given in an earlier reply to discuss the failure with them.

Note that you'll only save the fixed fee at Deutsche Bank, as noted in a previous reply.

Edit: About six years ago, Bank of America replaced my ATM Card with a Debit Card, the predominant product for bank account holders today. I went into the office and told them that I preferred to keep a plain ATM card, because I didn't want the card to also perform as a retail "credit"-type purchase tool. I felt my account would be slightly safer. The platform officer told me that I could keep the ATM card if I wished, but that it would not be usable out of the country. So I knuckled under and have a normal debit card from Bank of America.

Posted by
6560 posts

I just spoke with the BoA and was told that as long as a travel notice has been set up for the travel before departing, for the ATM or ATM/Debit card. It should work without any problem.

Below are some of BoA international partners
Barclays United Kingdom (England, Scotland, Wales, Northern Ireland, Jersey, Guernsey and the Channel Islands)
ABSA (South Africa)
BNP Paribas (France)
BNL D'Italia (Italy)
Deutsche Bank (Germany and Spain)
UkrSibbank (Ukraine)
TEB (Turkey)

Posted by
16 posts

Thank you for calling, but it must have a chip. We resolved this with Bank of America (after quite a process and a credit card we can now use); the problem is our ATM cards while still valid didn't have a chip and that was incompatible with the Deutsche Bank system.

We did notify BOA in advance of our trip but they didn't mention the chip issue.

Thanks all and keep on traveling :-)

Posted by
27138 posts

That's a real pain, Julie. I'm sorry it happened to you. Several folks have gotten information that was, at best, incomplete from call centers. It appears thst the reps are reading from scripts and don't actually know much about the cards they are supporting. You shouldn't have to experience an overseas disaster to find out that a card isn't going to work.

I'm surprised, though, that the sheer lack of a chip makes the card non-functional in Spain. I believe Rick still has information in his books to the effect that ATM cards without chips will still work. So I wonder whether there is an additional issue with that particular card. If not, I think there's information in the guide books and/or on this site that needs to be updated.

Posted by
3519 posts

Non chip cards should work in all Bank operated ATMs until 2020. That is the network rule for both Visa and MasterCard. But that is for Debit cards and credit cards, not ATM only cards.

Acceptance of ATM only cards is iffy in Europe. Many of the cards don't have any affiliated networks listed on them (like Plus or Maestro) so some local ATM operators can't decide where to send the request for authorization and simply deny the transactions. Debit cards almost always have Visa or MasterCard on them so those get routed properly.

Another thing to consider is that some banks have machines that look like ATMs but are designed for locals to use to make deposits and get statement printouts (as well as get cash like in a regular ATM). Those truly are incompatible with any card not issued by that bank. But most banks with those machines also have regular ATMs located next to them.

Have you tried your card at other bank ATMs (disregarding what you were told about needing a chip)? If it works at other ATMs, you will still pay the ATM fee that BofA charges but that might be better than the cash advance fees your credit card will charge.