Your Denizen debit card can be used to withdraw cash from any cash machine that supports Visa or Mastercard.
Below are some best practices when using a cash machine:
Should I convert my transaction?
If the card terminal asks whether you would like to withdraw cash 'with conversion' or 'without conversion', you should always choose 'without conversion'. In general, it's best to transact in the currency of the country you're in at the time - whether at home or when traveling abroad.
Allowing the card machine provider to determine the conversion rate often results in hidden markups or additional fees.
What account type should I choose?
Sometimes a cash machine will ask you to choose the type of account - the choices usually are 'CREDIT', 'CHECKING' or 'SAVINGS'. In these instances, generally you should choose CHECKING.
Why was I charged a fee for using a cash machine?
Generally, we are able to stop these fees from ever hitting your account, but in some cases, cash machine providers charge a separate fee for using their terminal. When this happens, Denizen will reimburse any of these accumulated fees within the first five business days of the following month.
So, for example, if you see a 'surcharge fee' for using a cash machine on the 12th of March, you can expect it to be refunded back to your account in early April.