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  1. #1
    Thailand Expat jandajoy's Avatar
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    SCB bank problem

    For the last 2-3 years I've happily gone into the SCB in Chiang Kong and, using my debit card (Australian) and withdrawn sums ranging from 200,000 to 1,000,000 Baht. at a time.

    They scan my card. I sign copies of my passport, they give me the money.

    Today I went in. Presented my card with the intention of withdrawing 150,000.

    It was declined!

    The scanner showed error # 51.

    There's plenty of money in the account. I'd checked online this morning.

    The manager said " I don't understand".

    So I went to an ATM and withdrew 20,000 and got a balance statement. No worries, plenty of money in the savings account in Aus.

    I went back to the manager of SCB. Showed him the balance slip and asked him to try again.

    After procrastinating for 10 minutes he swiped the card again.

    Declined.

    He then said that what I needed to do was to uses the ATM.

    I explained that there's a 20,000 limit on ATM withdrawals.

    He said, "well you can makes a withdrawal every day to get to the required amount."

    I said, "so you'll get 150 baht everytime I use the ATM."

    He laughed and said "that's not my problem."

    "And if I want to withdraw a million it'll take 50 days"

    Smile.

    I left.

    My questions to you all are;

    1. Anybody else having this problem, or is it just here in the sticks?

    2. What other banks will allow you to use the swipe machine for withdrawing more than 20,000. I know Kasicom wont.

    All suggestion gratefully received.

  2. #2
    Have you got any cheese Thetyim's Avatar
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    I have found SCB to be the most unfriendly bank in Thailand.
    They never want to help and often don't even listen to the question.

    If you are reduced to using the ATM machine then Ayudhya Bank still don't charge the 150 baht fee

  3. #3
    Pronce. PH said so AGAIN!
    slackula's Avatar
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    Have you tried talking to the bank in Aus?

    It could be that some software has noticed the transactions in Thailand and marked them as suspicious. I have had that problem with with a Lloyd's TSB Offshore debit card.

  4. #4
    Thailand Expat jandajoy's Avatar
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    Quote Originally Posted by Thetyim
    If you are reduced to using the ATM machine then Ayudhya Bank still don't charge the 150 baht fee
    Good to know. Cheers.

    ATM's not much good if you need more than 20k though.

  5. #5
    Thailand Expat jandajoy's Avatar
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    Quote Originally Posted by slackula
    Have you tried talking to the bank in Aus? It could be that some software has noticed the transactions in Thailand and marked them as suspicious. I have had that problem with with a Lloyd's TSB Offshore debit card.

    Yes mate. I'm with a credit union in Aus and they are know exactly where I am and how long I'm here for.

    They're very good.

    i.e. if I leave LOS I chuck 'em an email and they update my records.

    Another email when I return.

    Never had a problem with them.

  6. #6
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    Quote Originally Posted by slackula
    Have you tried talking to the bank in Aus?
    Slacky has the right idea and this is not the first time I have heard of this type of problem.

    Some offshore banks are now blocking the transfer of large sums of money in Thailand until you clear it with them and by offering password as well as answering personal questions.

    A pain in the arse but they are not trusting anyone these days.

  7. #7
    Thailand Expat jandajoy's Avatar
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    Quote Originally Posted by Loy Toy
    Slacky has the right idea and this is not the first time I have heard of this type of problem.
    See above.

  8. #8
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    Begbie's Avatar
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    Odd that you can still use the ATM if the card is being declined on the internal swipe machine. The only difference is the amount your attempting to withdraw. Sounds like your Oz bank may have put a cap on transactions without telling you.

  9. #9
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    Quote Originally Posted by jandajoy
    See above.
    Well that's good mate............Crack on.

  10. #10
    Have you got any cheese Thetyim's Avatar
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    Quote Originally Posted by jandajoy
    The scanner showed error # 51.
    51 - Not sufficient funds
    Generated if the account attached to a card has insufficient funds to cover the requested amount.

    Source; EazyPay Nigeria


    Edit: same answer here
    http://www.anchor.com.au/hosting/sup...ts/Error_Codes
    Last edited by Thetyim; 02-04-2010 at 03:35 PM.

  11. #11
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    call SCB service centre
    Request an increase for daily withdrawl
    wait 20 mins
    go to atm
    ?

  12. #12
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    Quote Originally Posted by Thetyim
    I have found SCB to be the most unfriendly bank in Thailand. They never want to help and often don't even listen to the question.
    Totally opposite to my experience.

    Not arguing, just saying.

    This problem sounds like a home bank problem though.

  13. #13
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    Quote Originally Posted by kingwilly
    This problem sounds like a home bank problem though.

  14. #14
    I am in Jail

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    JJ , why don't you simply instruct your bank in Aus to make a swift transfer to your SCB account ?

  15. #15
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    Quote Originally Posted by jandajoy View Post
    Quote Originally Posted by Thetyim
    If you are reduced to using the ATM machine then Ayudhya Bank still don't charge the 150 baht fee
    Good to know. Cheers.

    ATM's not much good if you need more than 20k though.
    20,000 baht is the limit for each single withdrawal from a Thai ATM (due to the simple fact that ATMs do not give more than 20 bills and the biggest denomination note is only 1,000). But it is not the daily withdrawal limit , that depends on your card.
    For example my Bualuang Premier ATM card issued by Bangkok Bank has a daily withdrawal limit of 50,000 baht, meaning I can withdraw 20,000 + 20,000 + 10,000 consecutively even at the same ATM machine (and pay no fee at all if I use a Bangkok Bank ATM in my province, otherways I would pay 20+20+20=60 baht)
    So if your debit card has a high limit you can do the same, being a foreign card you will be charged 150 baht for each withdrawal, though.

  16. #16
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    open an account with the SCB.
    My limit is 20 k a time at the ATM but I can use it 10 times a day. I normaly know a few days in advance if I need more than 200k

  17. #17
    Member Cenovis's Avatar
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    Bangkok Bank gives you 25k in one go, Aeon 30k the later without chargin 150 Baht.

    But best advice was in post 14, you have online banking, why not just wire some money into your Bank Account here? Don`t send Baht btw if you do so, exchange Rate is better if you send AUD. They will convert it here with the better exchange rate.

  18. #18
    Have you got any cheese Thetyim's Avatar
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    Quote Originally Posted by wefearourdespot
    20,000 baht is the limit for each single withdrawal from a Thai ATM
    Depends which bank you are with
    Quote Originally Posted by wefearourdespot
    being a foreign card you will be charged 150 baht
    Ayudhya Bank do not charge yet.
    Friend drew cash out last week using his UK debit card and got zero fees
    I saw the slip myself

  19. #19
    I am in Jail
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    there is a maximum withdrawal limit depending on the country or the visa card

    some have 10,000 USD limit per day, but most have a 1,000 USD limit per day

    it's probably the same code, I had this kind of non-sense before

  20. #20
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    As I understand you can withdraw USD9,999.00 a day without having to notify the bank of Thailand of the transaction.

    I honestly don't know what the laws are today but that's how it used to be.

  21. #21
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    Quote Originally Posted by Thetyim View Post
    I have found SCB to be the most unfriendly bank in Thailand.
    They never want to help and often don't even listen to the question.

    If you are reduced to using the ATM machine then Ayudhya Bank still don't charge the 150 baht fee
    Sorry but that is not true. I read that before then tried Ayudhya and I was charged the 150 baht fee. Also, error 51 is the universal code for "exceeds transaction limit" and it originates from your bank. I would not be surprised if with all the money "laundering" BS laws they've passed that the new daily limit has been imposed either by the Australian Government or your bank. (Not to defend SCB, they are arseholes)
    Last edited by BobR; 02-04-2010 at 06:51 PM.

  22. #22
    Have you got any cheese Thetyim's Avatar
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    Quote Originally Posted by BobR
    Sorry but that is not true. I read that before then tried Ayudhya and I was charged the 150 baht fee.
    Debit card or credit card ?

  23. #23
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    JJ, unless you are buying and selling houses, cars, drugs, I cannot see why you would need more than 20,000 baht per day...

    and 150 baht per 20K is not really gonna break the bank is it?

  24. #24
    Pronce. PH said so AGAIN!
    slackula's Avatar
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    Quote Originally Posted by BobR
    (Not to defend SCB, they are arseholes)
    Finally, a seppo who can spell 'arse'!




  25. #25
    I am in Jail

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    Quote Originally Posted by kingwilly
    and 150 baht per 20K is not really gonna break the bank is it?
    well 0.75% is what Uncle Sam pays if you lend him your money for 12 months, so I guess it's better to save the equivalent of 1 year of interest yield whenever is possible.

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