Debit Card Question
 

i don't know if this is the right place to ask this question so sorry in advance anyways, i have a lloyds TSB debit card which has a £200 limit per day i need to take more than 200 today and was wondering if i could get cash back in a shop or would it just be denied?.

thanks

Re: Debit Card Question
 

Probably denied...Probably the only way to get more than the 200 is in a TSB branch

Re: Debit Card Question
 

yeah good idea ill give them a ring and see what they say thanks

Re: Debit Card Question
 

or u could get them to change what type of card u have. My debit card allows me to withdraw upto £300 a day from a cash point.

Re: Debit Card Question
 

which bank are you with? when i was with natwest i had the same (£300) shouldn't of changed really.

i rang them up they put me on hold so i gave up lol.

Re: Debit Card Question
 

Do you still have a cheque book? other option is a direct bank transfer (if you can do that on this occasion, otherwise its into the bank for the cash.

Re: Debit Card Question
 

yeah iv got a cheque book but i have never used one before, it isn't to difficult is it to use one?

Re: Debit Card Question
 

You are limited for a reason, just in case someone does get hold of your card and pin. Only thanks to this alone, my account was only £180 down, instead of over 1k which they tried to withdraw after cloning my card :erm: (still it didn't stop them purchasing hundreds of pounds worth of mobile phones online :rolleyes: - i did get the money back, but months later!)

Do yourself a favour and leave it as it is, if you need to withdraw more, go into the bank.

Re: Debit Card Question
 

thanks, thats bad luck isnt it!, i don't need the money desperately 24 hours wont kill me lol

Re: Debit Card Question
 

Just noticed where you live Frankie, my card was cloned at the cashpoint in Rainhill at the Shell garage (not once, but twice!) so beware :dozey:

Re: Debit Card Question
 

luckily i never go to rainhill lol, but thanks for the heads up my sisters usually go the shell garage so i shall tell them.

Re: Debit Card Question
 

Funny you ask this.

I needed to get out more than £200 last night, and thought my Lloyds TSB debit card had a £200 limit.

Went and tried it and it let me get out what I needed, okay it was only £220 but that more that I remember I could get out before.

Re: Debit Card Question
 

You might try going to the cash point at Lloyds and getting out £200, theen go straight to a cashpoint of another bank and do the same. This worked for me once when i needed the money for a holiday. Or try getting it in a shop like Tesco.

Re: Debit Card Question
 

You don't know how to use a chequebook?

The limit is normally imposed on cash withdrawals to prevent unauthorised use of cards. Best option is to go into the bank and they will check the transaction and give you the money.

Re: Debit Card Question
 

All you have to do is walk into a Lloyds branch and ask them. They'll do it there and then if you have the funds. I've taken £1000 out in cash before by doing this.

Re: Debit Card Question
 

:tu:;)sound advice.

Re: Debit Card Question
 

You will though need photo identity to draw out across the counter of another branch... (Passport, full DL..etc..)

Re: Debit Card Question
 

Mmmmm funny you should say that, I got ripped off by a Shell Garage 2 years ago, I'd paid for diesel on my Credit Card and went on my merry way, 2 months later I get a nice phone call from Barclaycard asking me if I'm having a nice holiday? I'm not on holiday I replied, they said are you sure sir? Yep I'm at home watching Central Tonight. My card had been cloned by the Shell Garage 2 months before, it made all the local news stories. They tried to take me for £1500 in Indonesia but it got flagged in Northampton. Nice to know they were on the money when it came to flagging my account.

Re: Debit Card Question
 

I have an Egg card which I used for my season ticket. The high amount was enough to flag it to Egg as an apparent invalid transaction, and I received an automated call to verify the transaction.

Re: Debit Card Question
 

People still use cheque books? :p

That depends whether the other branch has the chip and pin thingy-ma-bobs

Re: Debit Card Question
 

It wasn't for Peterborough United was it? I'd have flagged that as an invalid transaction.:D Only kidding mate:angel:

Re: Debit Card Question
 

Normally you can take a fixed amount say £250 out from the cash point and then go in to the bank and get out another £250.

Re: Debit Card Question
 

A year of two ago they discovered a ring of Sri Lankan immigrants had taken a lot of jobs in garages (Many of them were Shell ones) and were copying cards. There were a few garages in the Guildford area that had this problem. My friend and his girlfriend had their cards cloned in one of the garages in Guildford. I think at the time, Shell admitted they had a problem and had to re-think their chip and pin solution.

Re: Debit Card Question
 

You could ask for a counter cheque in the bank.