Irish ATM card use in the USA? Possible?

[johnno09]

Im going to the states soon and dont want to get a credit card as ive been credit card free for life so far. Will I be able to withdraw cash from the atms with an aib atm/laser card?

 

[jaykayphd]

Assuming you have a cirrus or plus (i think it is) on the back of the card you will indeed.

However you should avoid taking out small amounts.

For example I took $500 cash with me last week and got charged €4.10 commission in bank of Ireland.

I also got $200 dollars out of an atm over there that cost me €5.60.

So the charges will add up if you take out small amount regularly. I think the €5.60 charge is a standard charge so will remain the same if you take out larger amounts.

 

[Willy Fogg]

It'll work in any ATM in the US with Mastercard, Maestro or Cirrus logos upon it.

As advised, the charges will vary, so check them out beforehand with AIB

 

[iscritto]

Ulster bank now use Visa Debit instead or laser. If you are going for more than a fews weeks, might be an idea to change over.

 

[trekkypj]

Visa Debits should also work. Cirrus, Maestro cards definitely work in most US ATMs. Certainly in any of the major banks - Citibank, Bank of America, Wells Fargo et al.

As with any ATM transaction abroad, fairly high fees apply so be sure and keep the number transactions to a minimum. Some banks charge a fixed fee per transaction and of course you'll also be charged at the prevailing forex rate for the conversion to local currency.

 

[igy]

Any time I've used my BOI ATM card in the last year or so the charge has been 3.17 per withdrawal (non-euro) except for one which was slightly higher. I think it's a percentage (maybe 1.5%?), with a minimim of 3.17.

That's a standard BOI account by the way, not sure if they have ways around it on other accounts