How To Get Money To Family and Friends in Europe (Jak Poslat Penize Rodine a Pratelum v Evrope)

7 11 2008

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One of the problems that we have had in the past was getting money to our family in the Czech Republic. It used to be that you could only use Western Union or send cash with somebody travelling to Europe. Western Union works well but they charge a large fee for this transaction. We solved this problem in two different ways:

1) We requested a second ATM/Debit Card from our CU(Credit Union)/Bank and sent it to our relatives in Europe.

 2) We opened an account at a CU/Bank with our relative present and added them to the account.

This allowed them to get their own ATM/Debit Card and use it anywhere that VISA/Mastercard or their European subsidiaries are accepted. There are fees associated with these transactions but they vary per institution. If you plan on doing this there are some tips you should follow:

 

  • 1. Make sure your pin is 4 digits.
  • 2. Call your CU/Bank and tell them that you intend on using your card abroad and that they should make a note on your account in that regard. The reason for this is sometimes the CU/Bank will put a block on your account when there is international activity and they assume it is fraud.
  • 3. Call you CU/Bank and verify what the charges are for international usage. Typically they charge a fee per transaction and a percentage for the exchange. American Express typically has the best rates but you are limited to purchases at locations that accept American Express.
  • 4. Never withdraw cash using a credit card. The fees are very steep!
  • 5. When withdrawing cash from an ATM try to use local bank ATMs as they tend to charge the least for usage.

 

If you have any other ways that you have overcome this situation please share with us.

 

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Jednim z problemu, ktere jsme v minulosti meli je poslat nasi rodine v Ceske republice penize. Drive jste mohli posilat penize pouze pres Western Union nebo je poslat pres nekoho, kdo cestoval do Evropy. Western Union, pracuje dobre, ale uctuji velky poplatek za tuto transakci. My jsme vyresili tento problem dvema zpusoby:

1) Pozadali jsme o druhou ATM/debitní kartou z nasi CU(Credit Union)/Banky a poslal ji nasim pribuznym v Evrope.

2) Otevreli jsme ucet v CU/Bance, kdyz nasi pribuzni byli zde a přidali je na ucet.

 

To jim umoznilo ziskat sve vlastni ATM/debitní karty, ktere mohli pouzit kdekoliv s VISA/Mastercard symboly nebo v jejich evropskych dcerinych spolecnostech, kde jsou akceptovany. Existuji poplatky související s temito transakcemi, ale lisi se podle instituci. Pokud mate v planu take poslat bankovni karty domu, zde je nekolik tipu, podle kterych by jste se meli ridit:

 

  • 1. Ujistete se, ze vas PIN ma 4 cislice.
  • 2. Zavolejte do vasi CU/Banky a reknete jim, ze mate v umyslou pouzit tuto kartu v zahranici a za by to meli poznamenat na vas ucet. Duvodem pro to je, ze nekdy CU/Banka muze zablokovat vas ucet, kdyz objevi mezinarodni activity, protoze predpokladaji, ze je to podvod.
  • 3. Zavolejte CU/Banku a overte si, jake jsou poplatky za mezinarodni pouziti. Obvykle se uctuje poplatek za transakci a procento za vymenu. American Express ma typicky nejlepsi kurzy, ale jsou omezeny pouze na nakupy v obchodech, ktere akceptuji American Express.
  • 4. Nikdy nevybirejte hotovost na kreditni karty. Poplatky jsou velmi vysoke!
  • 5. Pri vyberu hotovosti z bankomatu s ATM/debitni kartou, zkuste pouzit mistni banku, protoze obvykle uctuji nejmene za pouziti.

 
Pokud jste pouzili nejake dalsi zpusoby k prekonani tohoto problemu, prosime, podelte se s nami.

 

 

Sources (Zdroje):

http://www.e-vlad.net/2007/12/use-your-atm-card-in-europe

http://overseasmoneytransfer.net/

http://www.govps.net/images/photos/atm.jpg

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