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Old 07.09.2017, 22:21
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List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

I'm looking for a current list of countries which support the use of Maestro cards or Poste Finance cards (Post Finance seemingly on the Plus system) for ATM withdrawals, but I'm having a tricky time finding it online.

I found this for la poste ( https://www.postfinance.ch/en/privat...-overview.html ) although I'm not positive if "Cash" means what I think it means. I could not find a similar list at all for CS or UBS.

Essentially I'm trying to figure out if Angola, Cuba, and Namibia are covered. Yes, I know and I will just go in to each bank at some point and ask, but if anyone happens to know offhand where to find it, that'd be useful for me and anyone searching for this topic in the future. I found a couple old topics similar to this, but all the links were expired.
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Old 07.09.2017, 23:19
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

http://www.mastercard.com/interactivelocator/atm.html

See appropriate check boxes (Maestro is MasterCard product)
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Old 08.09.2017, 08:52
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

Credit Suisse's online banking software allows you to select / de-select which countries your Maestro card can be used in.

The card is valid for use by default in all EU countries, US and some others. You can also call your branch and tell them to allow usage in particular countries.
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Old 08.09.2017, 10:00
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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Credit Suisse's online banking software allows you to select / de-select which countries your Maestro card can be used in.

The card is valid for use by default in all EU countries, US and some others. You can also call your branch and tell them to allow usage in particular countries.
Good point! You can do the same with UBS and it is recommended to select only countries you will go to / buy from, which makes sense to me.

https://www.ubs.com/ch/de/swissbank/...n/maestro.html
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Old 08.09.2017, 11:48
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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http://www.mastercard.com/interactivelocator/atm.html

See appropriate check boxes (Maestro is MasterCard product)
Thanks! Also thanks ch2013, I found that setting in the online banking section, I didn't notice anything like that before. (For others looking, it's under Client Center -> My Profile/Manage My Profile -> MaestroCard Country Settings). Bizarrely my card was enabled in every country in the world except Myanmar (??).

I'd also gone in to CS this morning. Indeed the Maestro cannot be used in Cuba but should work basically everywhere else in the world besides North Korea and Syria. That said, I've been unable to use my card in some countries where it nominally should have worked (Bolivia, Uruguay, Cameroon). I got stuck with no cash in Cameroon a few years ago because I was promised the card would work, and I tried every ATM in the capital (all three of them) to no success . Fortunately I was visiting someone and was able to mooch off of them for the week.
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Old 08.09.2017, 11:51
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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Good point! You can do the same with UBS and it is recommended to select only countries you will go to / buy from, which makes sense to me.
Until you come across a site which has their checkout in another country, then to complete the purchase the restriction would have to be first altered.
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Old 08.09.2017, 11:56
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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Until you come across a site which has their checkout in another country, then to complete the purchase the restriction would have to be first altered.
I don't understand - obviously that's the whole point of the feature.

The problem isn't you going to a site with checkout in another country, it's someone else with a stolen / skimmed copy of your card making a payment in a country with poor security checks.

Or you being unwittingly redirected to a payment in a country with poor security from where it may be hard to get the money back.

But in any case, simply do not use debit cards for internet purchases on foreign sites; the level of protection is much lower than with credit cards.
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Old 08.09.2017, 11:58
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

I agree. It is the whole point of the feature. Though some users may encounter difficulties if the checkout of a site is not in the EU or the other countries active, that's all.
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Old 09.09.2017, 17:03
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

Cuba is blocked for Post Finance ATM cards as well (along with Iran, Iraq, Syria, and North Korea). Namibia had "no information available" for the PLUS system, which the Post Finance representative seemed to think means it would not work, though because it hasn't been set up in the country, and not because it is specifically prohibited.

I haven't checked with UBS yet, but I'm going to guess this means there are no ATM cards available in Switzerland that can be used in Cuba, or at least not with any of the normal banks. I imagine I'll find out on the spot if the visa credit card actually works or if it is "supposed to" but in practice does not.
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Old 09.09.2017, 17:08
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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I imagine I'll find out on the spot if the visa credit card actually works or if it is "supposed to" but in practice does not.
Hmm, actually I finally found this page on Credit Suisse:

https://www.swisscard.ch/en/credit-s...rd-acceptance/

Quote:
Credit card transactions are not possible in countries and regions which have certain sanctions and embargoes imposed against them. Currently the following countries and regions are affected:

Cuba (The Republic of)
Iran (Islamic Republic of)
North Korea (Democratic People’s Republic of Korea)
Sudan (Republic of) (sometimes referred to as North Sudan)
Syria (Syrian Arab Republic)
Crimea (Region of Ukraine)
I'm going to guess that the Credit Suisse representative who told me my visa would work in Cuba was not well-informed and had looked at the wrong list or something.
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Old 09.09.2017, 17:14
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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Hmm, actually I finally found this page on Credit Suisse:

https://www.swisscard.ch/en/credit-s...rd-acceptance/



I'm going to guess that the Credit Suisse representative who told me my visa would work in Cuba was not well-informed and had looked at the wrong list or something.
I'd wait a day or two before you book a flight there, a bit windy.
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Old 09.09.2017, 17:31
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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I'd wait a day or two before you book a flight there, a bit windy.
Too late! But not going for another couple months. Here's hoping Irma doesn't do too much damage to Havana.

I just realized after my last post that I should call -SwissCard- and not -Credit Suisse- to really know about the countries supported. Indeed, any credit card in Switzerland issued by SwissCard (regardless of Amex, visa, mastercard) will not work in those 5 countries in the previous list two posts up. UBS also uses SwissCard, so I guess I don't need to go in there to ask.

I'm a little surprised Switzerland is so locked down, actually! These are the exact same restrictions as US-based banks.

The rep I talked to at SwissCard said he'd been to Cuba and he said some hotels can still accept Swiss visas credit cards, because they sometimes have underhanded registrations in foreign countries which make the charges look like they come from France or Germany, but that I should not count on this and it's more of a last-ditch desperate thing we could try if we somehow lose all our cash.
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Old 09.09.2017, 17:34
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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I'm a little surprised Switzerland is so locked down, actually! These are the exact same restrictions as US-based banks.
Not that surprising as they have a presence in the US, hence they adhere to the OFAC regulations. Otherwise the US would clamp down their business.
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Old 09.09.2017, 17:43
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Re: List of Countries Supported By Credit Suisse / Post Finance / UBS for ATMs?

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Not that surprising as they have a presence in the US, hence they adhere to the OFAC regulations. Otherwise the US would clamp down their business.
Hadn't thought about that! That would definitely explain Credit Suisse and UBS. I wonder if one of the smaller cantonal banks would support it, although for a 12 day trip it's probably not worth the hassle of opening a new bank account.

Admin.ch has a little bit about this issue ( https://www.eda.admin.ch/eda/fr/dfae...eurs-cuba.html ; also available in German and Italian)

Quote:
À Cuba, il est impossible de retirer des espèces ou de faire des paiements avec la carte Maestro ou PostFinance. Attention : Les cartes de crédit et les chèques de voyage émis par des institutions financières américaines ou qui en portent l'intitulé (par ex. American Express) sont refusés. Il n’est pas non plus possible de retirer de l’argent liquide par ces moyens. Il peut arriver que des transactions bancaires soient bloquées, si la banque émettrice en Suisse effectue celles-ci au travers de banques américaines. Renseignez-vous auprès de votre banque ou de la société émettrice de votre carte de crédit.
Approximate translation:

"In Cuba, it is impossible to withdraw money or to make payments with Maestro cards or PostFinance cards. Credit cards and travellers checks issued by American institutions (e.g. American Express) are not usable. It is also not possible to get a cash advance using these cards. It can happen that bank transfers are blocked if the Swiss bank performs its transactions through American banks [not quite sure what that means]. Check with your bank or the issuing company of your credit card."

I guess this means visa credit cards could theoretically work if there exists a bank or credit card company in Switzerland that allows it, although with SwissCard and PostFinance not supporting it, that seems like it blocks most people.
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