Search over 55.000 Camino Questions

A donation to the forum removes ads for you, and supports Ivar in his work running it

Advertisement

Canadian pilgrams.....Will a Credit Union debit card work?

rsloss

New Member
Hello, wanting to know from fellow Canadians if a Credit Union debit card will work in Spain, or should I open up an account at the Royal Bank and get a debit card from RB?
 

johnBCCanada

Active Member
Hi

I can't say if your credit union debit card will work but mine did and my credit union is a small one from rural BC I believe it involves what networks your credit union card is tied into. If that is vague it is because I don't really understand.
 

lynnejohn

Veteran Member
Camino(s) past & future
Frances(2005), VDLP(2007), Madrid(2009), Ingles(2009), Sur (2011), VDLP(2011)-partial, VDLP(2014)
It does depend how your credit union is networked, but further to that, if your card is EMV (chip) equipped (also called "SMART CARD'), your transactions will be much safer. Canada has this year joined many other countries in switching to chip technology - a move which the RCMP reports has already started to lower the rate of counterfeit transactions in Canada. So if your card is old and without a chip, change it to a chip-enhanced card before you leave. (The card still has "swipe-capability" for travel to those countries without the technology).

lynne
 

ajp

Member
Camino(s) past & future
Sept-October (2009), Sept-Oct (2013)
I have travelled all over Europe including eastern Europe and Spain, and the credit union debit card I use, ( from a small credit union here on Vancouver Island) worked fine everytime.

You should have no problem in Spain whatsoever with a credit union debit card.

ajp
 
Hello,
I am a Canadian peregrina, but based in Scotland, so my bank situation is different from yours. I have used my Scottish bank cards abroad (and in Canada) without any problem. What you need to look out for on your card are symbols that indicate that you can do transactions abroad. If your card says Maestro on it, then you should be fine for most European bank machines. What you should do is just contact your bank in Canada. They will be able to advise you about getting money out of interntional ATMs. Something that you might need to be careful about is advising your bank that you will be away so that they recognise international transactions on your credit card. My boyfriend was caught out by this while in Brazil. His credit card (to pay his hotel at a conference) was declined (quite embarassingly in front of other delegates). He managed to pay with a different card, but when he rang up the bank to ask what had happened, they said that this was part of an initiative to counter fraud and that he needed to send them a message whenever he left the country. Given that for his work he needs to be out of the country at least two times per month, he simply got a new bank.
 

lynnejohn

Veteran Member
Camino(s) past & future
Frances(2005), VDLP(2007), Madrid(2009), Ingles(2009), Sur (2011), VDLP(2011)-partial, VDLP(2014)
Oh yes. This is a little off-topic, but relevant to your last comments.

I used to call my bank/credit card company before leaving for Spain and just say "Going to UK, France, Spain, Portugal for these dates', and that was ok. This year, prior to leaving, I made the same call, and was required to give exact dates for each country - arrival dates and departure dates. They say it's a new policy consistent with their new anti-counterfeit measures. No problem, but it speaks to the perils of credit/debit card use. Incidentally, a car hire firm that I used in Santiago in 2005 tried to make a charge to my credit card in 2006. Hence my own caution. A word to the wise.

lynne
 

Advertisement

Booking.com

Similar threads

Camino Conversations

Camino Conversations

Forum Rules

Forum Rules

Forum Donation

Forum Donation
For those with no forum account, it is possible to donate here as well. Thank you for your support! Ivar

Follow Casa Ivar on Instagram

Most downloaded Resources

When is the best time to walk?

  • January

    Votes: 16 1.2%
  • February

    Votes: 10 0.8%
  • March

    Votes: 56 4.2%
  • April

    Votes: 200 15.1%
  • May

    Votes: 329 24.9%
  • June

    Votes: 96 7.3%
  • July

    Votes: 24 1.8%
  • August

    Votes: 27 2.0%
  • September

    Votes: 381 28.8%
  • October

    Votes: 158 12.0%
  • November

    Votes: 17 1.3%
  • December

    Votes: 7 0.5%

Camino Forum Store

Camino Forum Store
Top