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[QUOTE="Kathar1na, post: 1184443, member: 15378"] Well, some of you are talking about Spain ... others believe that payment systems and payments habits in Spain and in other European countries are the same as they know them from their own home country. Since [USER=107500]@Peterexpatkiwi[/USER] referred to a post I made earlier on this forum: I don't recall the reference website that I provided in this post but out of curiosity I did another quick Google search today. A good overview of the costs that are involved for payment by card for small retail shops and similar in 2023 can be read here: [URL='https://www.ratgeber-kartenzahlung.de/kosten-fuer-haendler/#:~:text=Zu%20erwartende%20Kosten%3A%20Rund%200%2C89%20bis,2%2C75%20Prozent%20des%20Betrags.&text=Je%20nach%20Anbieter%20(VISA%2C%20MasterCard,Einsatz%20der%20EC%2DKarte%20an']click here[/URL]. The website is in German but the costs are typical for retail shops in other European countries such as Spain. The cheapest version - payment by what I'd call bank card which is a form of debit card and what people most commonly use today - is indeed a modest fee ranging from 0,23% to 1,39% of the price for goods or services. Note that the costs depend on the kind of card: EC cards or Girocards; [other] debit cards; credit cards. Note: We use different kinds of debit cards with different cost structures. The article also mentions this: [I]Bringing cash to your bank – this costs fees at almost every bank these days. [/I] I noticed that [USER=107500]@Peterexpatkiwi[/USER] specifically referred to the "new chip cards" and their safety features. Other posters disagree with his comment. I don't want to single anyone out but when you habitually write cheques, or when you use credit cards that do not work with the Roncesvalles website or the Renfe website, or when you are surprised that an albergue or hotel asks you to make a bank transfer to confirm and pay for your booking, then you are not overly familiar with payment systems and payment habits in European countries and your card is unlikely to have the safety features that the cards have that [USER=107500]@Peterexpatkiwi[/USER] refers to and that are in common use in our part of the world. For what it is worth: I have not issued a cheque during the last twenty years. My (EU) banks no longer issue paper cheques. The practice of issuing the once widely used EC cheques ceased in January 2002. If a tradesperson or a retail shop would suggest to me today that I pay in cash instead of by card or bank transfer for anything say above €50 I would assume that the reason is tax evasion. [/QUOTE]
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