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BANGKOK 25 March 2019 13:33
Hal65

Would you use a debit card for shopping?

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1 minute ago, GalaxyMan said:

I only use my debit card to withdraw money from an ATM, never to make a purchase. Who wants anyone to be able to track how you spend your money? I shudder at the thought of a cashless society.

The U.K. is rapidly becoming a cashless society with the introduction of ‘contactless’ payments. I very rarely carry cash in the U.K. as most outlets, Bars, coffee shops etc have contactless machines.

Cashless societies are going are going to be developed even more as businesses don’t need to sit and count the takings the trot of to the bank. It also suits businesses not to have loads of cash on the premises that’s why they offer cash back.

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3 minutes ago, trd said:
6 minutes ago, GalaxyMan said:
I only use my debit card to withdraw money from an ATM, never to make a purchase. Who wants anyone to be able to track how you spend your money? I shudder at the thought of a cashless society.

I welcome the thought of cashless society. I can't wait for it to happen!

I have often read any computer can be hacked. No?

Riding in an autonomous car that has been hacked is not my idea of fun. But that's another story.

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1 hour ago, sfokevin said:

I have always use my bank ATM Visa Debit card for shopping knowing that if I lost it anyone could walk into a Big C and buy anything they wanted and I would have no recourse with the bank.. So to limit my exposure my day to day card in my wallet is on a separate account that I only kept ~20k in... and I top it off as needed for my main account via the banking app... So my loss limit is never more than 20k...

 

Also the card I use (K Bank) just expired and the new ATM/Visa card they gave me has a chip imbedded in it and requires a 6 digit pin... The pin is also required when I make purchases at stores and restaurants- every place seems to accept it (Rimping, Big C, Tesco and such) and online purchases require a sms code confirmation from my phone... so this new card should not be able to be used by anyone if lost or number skimmed

 

https://kasikornbank.com/en/personal/debit-card/Pages/K-Debit.aspx

 

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It seems that Bangkok Bank has a similar debit card. 

 

Has anyone tried it? 

Screenshot_20190223_110423.jpg

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I have often read any computer can be hacked. No?
Riding in an autonomous car that has been hacked is not my idea of fun. But that's another story.
So what's the risk? When you go outside and put your wallet in your back pocket does it contain all the money you own? No. Maybe you go out with a couple of thousand baht in your wallet and the risk is that the wallet might slip out of your pocket and you lose it. Well it's exactly the same with a digital wallet in your phone. But whereas your phone might be protected with a password or fingerprint the wallet in your back pocket is open to anyone who finds it on the street. So which do you think is more risky?

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10 minutes ago, trd said:
13 minutes ago, GalaxyMan said:
I only use my debit card to withdraw money from an ATM, never to make a purchase. Who wants anyone to be able to track how you spend your money? I shudder at the thought of a cashless society.

I welcome the thought of cashless society. I can't wait for it to happen!

Move to Sweden, they are already implanting chips under peoples' skin... soon they will remove the non essential parts of their brain, and that will be heaven! 

 

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i use my cc all the time. less cash i have to carry u just have to careful where u use it. big c or tesco . no problem.  

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I use my Thai debit card and my Revolut cash card. Never had any problems with either.

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9 minutes ago, Brunolem said:

Has anyone tried it? 

Yup, it works just fine. In store and online (put your account name in the "name on card" box).

 

Incidentally, you won't be able to get the Visa branded card now. BKK Bank will want you to have a UnionPay card (free), refuse it, it's useless other than at ATMs. You can get a MasterCard branded card if you ask for it (not free) which works in stores and online.

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I must be an incredibly lucky, proficient & highly skilled individual 🙂 

31 years in Thailand, always paid cash, never had any money stolen - further - never lost my wallet! - Impressive eh! I really don't understand what the big deal is against using cash - its easy, off course "government" & CC companies will/do push for a cashless society, more data for them to add into their algorithms, but hey we know they can be trusted 😂

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I must be an incredibly lucky, proficient & highly skilled individual   31 years in Thailand, always paid cash, never had any money stolen - further - never lost my wallet! - Impressive eh! I really don't understand what the big deal is against using cash - its easy, off course "government" & CC companies will/do push for a cashless society, more data for them to add into their algorithms, but hey we know they can be trusted 

 

There's no big deal against using cash? Oh sorry do you have something smaller than a 1,000 Baht note? I can't change it. Oh sorry I'm going to have to give you all of this change in one Baht coins, you don't mind a few satangs either do you? 

 

 

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A couple of weeks ago I had to pay my house rent and I sat down with the owner, both of us with our phones. I opened my Bank app and sent the money to her account and she received it immediately on her phone. Job done. Who wouldn't want that? No trip to the bank, no standing in line to draw out the cash, no handing over a pile of bank notes. Thank God for this technology.

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1 hour ago, edwardflory said:

I do the same..20,000 in account max...but only at large stores.

In the US I can set a limit on daily transactions.  Is that not true with Thai banks?

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27 minutes ago, Crossy said:

Yup, it works just fine. In store and online (put your account name in the "name on card" box).

 

Incidentally, you won't be able to get the Visa branded card now. BKK Bank will want you to have a UnionPay card (free), refuse it, it's useless other than at ATMs. You can get a MasterCard branded card if you ask for it (not free) which works in stores and online.

But does the Mastercard work outside of Thailand, some people have reported that their's didn't?

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2 minutes ago, AAArdvark said:

But does the Mastercard work outside of Thailand, some people have reported that their's didn't?

In 1,000,000 years BC when I got my card they actually had to enable it for offshore transactions, this may still be the case. Have to ask at the bank.

 

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48 minutes ago, Jumbo1968 said:

The U.K. is rapidly becoming a cashless society with the introduction of ‘contactless’ payments. I very rarely carry cash in the U.K. as most outlets, Bars, coffee shops etc have contactless machines.

Cashless societies are going are going to be developed even more as businesses don’t need to sit and count the takings the trot of to the bank. It also suits businesses not to have loads of cash on the premises that’s why they offer cash back.

Going cashless will put beggars out of business.

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