cross-posted from: https://slrpnk.net/post/11819804
The trend in western Europe is banks are pulling out of the ATM business and joining consortiums. Then those consortiums deploy much fewer ATMs than the banks had. And they monopolise. If one or two ATM brands reject your card, you may be fucked if it’s a small city, as I recently experienced.
ATM alternatives are becoming increasingly essential due to ATM enshitification & sparcity. Some shops give cash back, where you have more money pulled from your bank and the cashier gives you cash from the register. The US has always been on-the-ball with cash back, even though the ATMs in the US are not the shit-show that we see in Europe lately.
So it’s easy to find cash back options in the US because there are several compiled lists showing various stores and limits, like this. Some shops have a fee and some not and the range of limits vary wildly. But at least there are published options.
I’m struggling to find information like that in Europe. In part this is because “cash back” is an overloaded term that also means rebate deals (like discounts of ~1—5%), so search results are polluted. It’s bizarre there is so little info about this. So many people have become cashless that hardly anyone even notices the shit show that ATMs have become. Hence low demand for info on cash back options.
Cash back can be interesting for foreign card holders in Europe because they avoid ATM fees. Discovercard/Diner’s Club seems to guarantee no cash back fee and at the same time no currency exchange markup. But the data on cashback in Europe is sparse and inconsistent from one country to the next.
- Norway shops offering cash back refuse non-Norwegian cards.
- UK stores require no purchase and have no fee, but they also discriminate against non-local bank cards.
- Denmark: local cards only, credit cards refused.
- Spain: no cash back service (but that article is 10 yrs old).
- Netherlands: rumour is that Albert Heijn, SPAR, and Smullers have cash back. (SPAR advertises cashback on their UK site with a locator because apparently only some locations offer it. Yet they wholly conceal this option from their Dutch website)
- Belgium: Aldi has it. But if you boycott Israel then you boycott Aldi North (all Belgian Aldis are Aldi North)
Mastercard has a “cashback store locator” on their US website. And apparently that db is only populated with US stores. Which is a bit shitty because MC is global and they should have that information.
I’m not getting why shops are non-transparent about this. Presumably they offer cash back potentially fee-free because they profit from whatever you’re buying. It would work on me.. if I have some confidence that I can get €200 cash back at a store, that store is sure to get my business.
Anyway, please feel free to use this thread to crowdsource cashback info.
Banks are useless. This is not a joke. Paypal and Klarna are better banks to most people than, for example, fucking Sparkasse. Get your cash from the supermarket and you can ditch the idiotic bank fees by getting an online bank.
That's why they're dying out. They only want to deal with people who have a lot of disposable income and are about to buy a house, and very few of those exist anymore.
PayPal is super unreliable and will happily delete your account and take your money whenever they feel like it with little legal recourse.
Indeed, that’s what happened to me. Paypal killed my account and kept the money. It was not enough money to justify bringing a court case so Paypal got away with it. So I’m done with Paypal for sure.
In fact, I also avoid cashless Dutch cafes that insist on using Zettle as a payment processor because Zettle is Paypal.
Klarna can go fuck themselves for pushing people to run up debts.
Paypal is not a good alternative.
I agree, but it's the only one.
Yes, but it’s such a lousy option that you’re better off walking. If a merchant only accepts Paypal, they automatically lose my business. Even in one case where I was quite interested in buying an e-bike motor direct from the manufacturer (because that motor had no importers), the mfr only accepted Paypal. So I had to nix that product entirely. For me Paypal is simply not an option.