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Old 21.10.2015, 16:44
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EUR withdrawal with foreign Debit Card

Hi Guys,
I'm trying to withdraw EUR in Zurich with my foreign Debit Card (MasterCard, EUR account based), but even those ATM-s which say EUR AusZahlung only give me the CHF withdrawal option (tried UBS and KantonalBank so far)


Any suggestion, experience where you could get EUR from an ATM with non-swiss debit-card ? (it would work in Germany, I know )
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  #2  
Old 21.10.2015, 16:50
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Re: EUR withdrawal with foreign Debit Card

Nowhere as far as I know. The fact that Swiss ATM's have Euro possibility is that whatever you draw is taken from your Swiss bank account using a Swiss debit card, it doesn't apply to non-Swiss accounts/cards.

You'll have to change Swiss francs for Euros at a bank or foreign exchange.
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Old 21.10.2015, 16:54
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Re: EUR withdrawal with foreign Debit Card

yeah, I was afraid their logic is the same 'simple' one:
you can take out EUR from CHF accounts, or CHF from whatever other foreign account you might have.. We will use our 'great' xch rates anyway ...


Was hoping there's a way to avoid that..
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Old 08.02.2019, 09:29
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Re: EUR withdrawal with foreign Debit Card

JUst tried yesterday to get Euro with foreign card. Still the same story. No logic here with the banks
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Old 08.02.2019, 10:11
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Re: EUR withdrawal with foreign Debit Card

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JUst tried yesterday to get Euro with foreign card. Still the same story. No logic here with the banks



Plenty of logic, if they let you withdraw Euros from a non Europe area, how the hell will the banks make money ?
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Old 08.02.2019, 10:36
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Re: EUR withdrawal with foreign Debit Card

You can get Euros at no extra charge in the UK, but this is the only Bank that does it.
https://www.raphaelsbank.com/atms/
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Old 08.02.2019, 11:18
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Re: EUR withdrawal with foreign Debit Card

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You can get Euros at no extra charge in the UK, but this is the only Bank that does it.
https://www.raphaelsbank.com/atms/
The banks are arse holes!
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Old 08.02.2019, 11:35
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Re: EUR withdrawal with foreign Debit Card

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The banks are arse holes!
No, they have a business that produces a very poor return on capital employed. Everyone expects their services for free, in most cases their business's were saved by government bail outs 10 years ago.

How can lending money to buy a house in CH for under 1% be a good earner? it's absurd when inflation is taken into account, basically being paid to borrow money.
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Old 08.02.2019, 11:45
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Re: EUR withdrawal with foreign Debit Card

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No, they have a business that produces a very poor return on capital employed. Everyone expects their services for free, in most cases their business's were saved by government bail outs 10 years ago.

How can lending money to buy a house in CH for under 1% be a good earner? it's absurd when inflation is taken into account, basically being paid to borrow money.
What a joke !! The banks are the biggest mafia in the history of man!! You know nothing.
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Old 08.02.2019, 22:25
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Re: EUR withdrawal with foreign Debit Card

Swiss banks are just inefficient businesses I guess. Everything goes so slow in Switzerland, mainly due to too much manual work. My cheap modern bank in EE works flawlessly. I'm sure they employ 1/10th of the staff and for 1/10th of the salary.
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Old 08.02.2019, 23:19
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Re: EUR withdrawal with foreign Debit Card

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Swiss banks are just inefficient businesses I guess. Everything goes so slow in Switzerland, mainly due to too much manual work. My cheap modern bank in EE works flawlessly. I'm sure they employ 1/10th of the staff and for 1/10th of the salary.
Great opinion, but how is this relevant to the OP?
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Old 08.02.2019, 23:46
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Re: EUR withdrawal with foreign Debit Card

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Swiss banks are just inefficient businesses I guess. Everything goes so slow in Switzerland, mainly due to too much manual work. My cheap modern bank in EE works flawlessly. I'm sure they employ 1/10th of the staff and for 1/10th of the salary.
And because Switzerland is so badly organized and so inefficent, it's economy is in a terrible shape and people earn only 1/10th of that in EE.. oh, wait..

Enjoy your "cheap modern bank" in EE (whatever that is..) that works perfectly, and must have been the best Bank in the world because, apparently, it's in front of all those highly inefficent Swiss banks that employe 10x as much staff with 10x as much salaries..
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Old 08.02.2019, 23:47
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Re: EUR withdrawal with foreign Debit Card

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Swiss banks are just inefficient businesses I guess. Everything goes so slow in Switzerland, mainly due to too much manual work. My cheap modern bank in EE works flawlessly. I'm sure they employ 1/10th of the staff and for 1/10th of the salary.
And you are here because ??
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Old 08.02.2019, 23:58
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Re: EUR withdrawal with foreign Debit Card

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Great opinion, but how is this relevant to the OP?
Sorry, just a general opinion to the thread not to the OP's post.

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And because Switzerland is so badly organized and so inefficent, it's economy is in a terrible shape and people earn only 1/10th of that in EE.. oh, wait..

Enjoy your "cheap modern bank" in EE (whatever that is..) that works perfectly, and must have been the best Bank in the world because, apparently, it's in front of all those highly inefficent Swiss banks that employe 10x as much staff with 10x as much salaries..
Of course I do! but I won't bother to recommend it, as for many the EE is not a safe part of the world It just happens that it's my home and Switzerland is just an adventure

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And you are here because ??
Don't know what to say... but for sure I can complain about the common inefficiency, which does not dominate many other positive sides of being in Switzerland!
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Old 10.02.2019, 15:44
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Re: EUR withdrawal with foreign Debit Card

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how the hell will the banks make money ?
I assumed they made money from investing it elsewhere.
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Old 10.02.2019, 17:29
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Re: EUR withdrawal with foreign Debit Card

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I assumed they made money from investing it elsewhere.
If that would be the only way for them to make money it would be much more expensive for you to have an account.

Just think for a few seconds about how your thought actually would work out in real life and realise it is non-sustainable.
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Old 10.02.2019, 17:42
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Re: EUR withdrawal with foreign Debit Card

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Swiss banks are just inefficient businesses I guess. Everything goes so slow in Switzerland, mainly due to too much manual work. My cheap modern bank in EE works flawlessly. I'm sure they employ 1/10th of the staff and for 1/10th of the salary.

You probably so insignificant that the banks' don't bother with you, which is why you have such an attitude.


My accounts with various Swiss banks all work just fine
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