SAS Travel Wallet

[timp]

@ekf I am not forcing you to continue anything, clever clogs.

When a customer through no fault of their own (no options were given) runs into problems using your products, it is as much your responsibility as it is theirs.

Now, modern types may not understand this which is where products are differentiated and in account of all I have said, this product is crap.

 

[Berglund]

When a customer through no fault of their own (no options were given) runs into problems using your products, it is as much your responsibility as it is theirs.

But it IS your fault!
You - and no one else but you - failed to understand how the card works! You put EUR currency on the card and failed to understand the card is recognized as Swedish and ”home currency then being SEK.

That error is no one else’s than your very own! If you do have - and use - a product, then it is your responsibility to know how it works. There are also no ”do overs” in business, just because you made a piss poor bad decision doesn’t mean someone else needs to clear it up for you nor reimburse you for the same.

Just learn from this mistake, eat the fee and move on! Be happy that you came to realize this product is not for you before it started to cost you a small fortune.

this product is crap.

I couldn’t agree more!!! This is also exactly why I don’t use it nor recommend it myself.

 

[timp]

So glad we agree on something.

Smugness will get you far but you cannot speak of fault in expecting an ATM in a Eurozone land to give EUR from a EUR wallet without double-converting it especially if it doesn’t even state or give any other options. I am no stranger to DCC but there have always been options given. This was roughshod!

Never asked for a “do over” but was simply shocked by both parties (TW and ATM) shirking responsibility and blaming each-other while I picked the tab. Lesson learned though-dearly!

 

[Berglund]

expecting an ATM in a Eurozone land to give EUR from a EUR wallet without double-converting it

This is, unfortunately for you, where you go wrong in the thought process.

You, and only you in this case, have misunderstood how the card works.
There is absolutley NO WAY for the ATM to know which currency you hold on your account behind the card. Simply impossible for the machine the way that they work today. The ATM in question can only read the card information details, like which country it was issued in and the ATM will act accordingly. You put in an SEK card, no matter chat currency you held on a virtual account in the background, it was not a EUR card that you inserted into the ATM machine.

I totally agree that it might not be clear how this works nor is it explained in laymen's terms anywhere. Nevertheless, it is your responsibility as a customer to know and understand the product that you buy or use.

 

[Mattias Holmén]

This is, unfortunately for you, where you go wrong in the thought process.

You, and only you in this case, have misunderstood how the card works.
There is absolutley NO WAY for the ATM to know which currency you hold on your account behind the card. Simply impossible for the machine the way that they work today. The ATM in question can only read the card information details, like which country it was issued in and the ATM will act accordingly. You put in an SEK card, no matter chat currency you held on a virtual account in the background, it was not a EUR card that you inserted into the ATM machine.

I totally agree that it might not be clear how this works nor is it explained in laymen's terms anywhere. Nevertheless, it is your responsibility as a customer to know and understand the product that you buy or use.

Precis som när jag gav min fru mitt Curve kort för att göra ett ATM uttag här i Sverige. Några minuter senare fick jag en push-notis att hon tagit ut 50 GBP, som Curve hade växlat till SEK åt mig eftersom mitt underliggande kort var inställd på det. Kostade inte många öre dock

 

[timp]

@Berglund.

An option would have been nice though and seeing as how one was never given and I was in a Eurozone country the following should apply. Only it didn’t!

From their terms and conditions for Sweden / English version.

10.1.1. When making a purchase or an ATM withdrawal, your Travel Wallet Account will automatically debit the Currency Wallet of that country’s currency if you have sufficient Available Balance in that specific Currency Wallet.

 

[M.K]

Feltryck händer lätt i luriga ATM’s. Nu är ju inte TW en bra produkt ska sägas, men det går ändå att tjäna bra med poäng på kortet genom de frekventa kampanjerna i kombination med högre statusnivå. Jag fortsätter med detta tillsvidare.

Inte stor skillnad heller på växlingskursen mot SAS MC vad gäller valutor som NOK. Där har påslaget pendlat till som mest 3,49% denna vecka.

 

[SimonXYZ]

Jag har för mig att med Mastercard är det möjligt att inte tillåta köp i hemma-valuta med prepaid-kort. Kanske hade varit något för Travel Wallet så att folk slipper trycka fel vid uttag eller köp.

 

[ekf]

Jag har för mig att med Mastercard är det möjligt att inte tillåta köp i hemma-valuta med prepaid-kort. Kanske hade varit något för Travel Wallet så att folk slipper trycka fel vid uttag eller köp.

Det är inte tillåtet alls på multicurrency-prepaid-kort sedan tidigare i somras (25 juni).

"POI currency conversion must not be offered on any ATM or face-to-face Transaction effected with Mastercard and Maestro Prepaid Cards that have single or multi-currency features or that are otherwise identified in the Mastercard Parameter Extract (MPE) as ineligible for POI currency conversion."
Sidan 83 i detta dokument: https://www.mastercard.us/content/dam/mccom/global/documents/transaction-processing-rules.pdf

 

[SimonXYZ]

Det är inte tillåtet alls på multicurrency-prepaid-kort sedan tidigare i somras (25 juni).

Ok, då har jag missförstått vad som hände @timp .