Which ATMs to use for NAB Gold Visa Debit

[ric_melb]

The Plus symbol is connected to the Visa system, so no doubt any ATM where you can use a Visa card will also be Plus compatible.

[SeaWolf]

You might also have low limits on how much can be withdrawn at once. I think one Spanish ATM limited me to 250 euro or so.

I believe this was introduced to combat a particular scam that was going on where a person would go up to an ATM put in their card and type in their PIN, then a kid (sometimes as young as 10) would distract them while another kid would jump forward, type in a very high withdrawal amount and hit OK, then grab the cash and run.

So, to combat this the banks lowered the limits and if you withdraw a largish amount (think more than 100 Euro) it gets to the very end of the transaction and then makes you enter your PIN again before dispensing the cash. This has pretty much eliminated it.

[coolsteps]

on the Nab website it says to use atms with the PLUS sign. i converted my classic account over to a gold account before i go overseas but still have a standard visa debit card. i wonder do i need to press credit or savings to make cash withdrawals from overseas atms or it doesn't matter. also will i incur any exchange fees since i havent ordered a gold visa debit card even though the account is a gold smart account? also will i be covered for all the insurances? I called nab but they werent very clear they said i would be covered fro the travel but not the purchases if i didnt order a gold card. but chubb said i wouldnt have any cover if all purchases werent made on a visa gold debit card. btw to avoid the 150 Thai baht atm fee just use a AEON ATM.

[medhead]

Gold banking still says it has fee free ATM use. In ATMs I would select savings. The advantage of the visa is when you have to purchase something, as a credit cad type transaction. Since the money comes from the same account, it shouldn't make much difference. No exchange fees when using savings from an ATM in my experience.

Not sure about the insurance question. (I guess mention purchase protection insurance rather than travel insurance) just look up the qualification requirements in the PDS which should be on the NAB website.