Dear readers,

Just got a new debit card from SNS bank. However, the Maestro logo is no longer on it, but Vpay (appears to be Visa). Does this affect the ATM in Thailand? Or can you also withdraw money everywhere? What are the experiences of others?

Have (exhaustively long) gone through the SNS Bank community regarding VPay. Also complaints about the use of the card in Thailand, ranging from swallowing the card to searching for an ATM that accepts VPay. The bank states that this is incidental, but you will only be in a Thai village with 1 ATM that does not accept VPay.
Then the bank is probably unable to help you further!

PS we leave in January and stay in Thailand for 2 months.

Regards,

Berto

8 responses to “Reader question: Can I use a debit card from SNS bank with VPay in Thailand?”

  1. Ko says up

    According to the SNS website, yes. On the visa atm locator (google) you can see exactly at which machines in your area you can use the card.

  2. Hank Trump says up

    Have experienced the same. Called SNS customer service. Within a few days I had my second new pass, this time with Maistro.
    Success assured

    • Fransamsterdam says up

      That is indeed the best method. SNS completely randomly links one half of the new cards to Maestro and the other half to V PAY 'because they like to divide it 50/50 AND ASSUME THAT THE CARDS HAVE THE SAME FUNCTIONALITY'…. “Moreover, we assume that there is no difference between V PAY and Maestro.”
      See the SNS forum, what a sadness….
      https://forum.snsbank.nl/dagelijkse-bankzaken-109/waarom-mag-je-als-klant-niet-kiezen-tussen-v-pay-en-maestro-7418

      Completely blown away of course, Wikipedia makes mincemeat of this nonsense:

      “V Pay is a Single Euro Payments Area (SEPA) debit card for use in Europe, issued by Visa Europe.[1] It uses the EMV chip and PIN system and may be co-branded with various national debit card schemes such as the German Girocard or Italy's PagoBancomat.
      The V Pay card system competes with MasterCard's Maestro debit card product. However, unlike Maestro, V Pay cards cannot be used in non-chip and non-PIN environments, limiting its acceptance to those countries and merchants that use this system. Also unlike Maestro, which is issued and accepted globally, V Pay is designed as a specifically European product, and is not issued or accepted outside European countries.”

      If you ask the SNS whether you can use it to pay/debit card internationally or abroad, the bank staff will assure you that this is possible. If you then call from Thailand that the card does not work, they say: With international / abroad we mean Europe.

      Quick exchange for the Meastro variant!

  3. or something says up

    Think for yourself, to begin with.
    Every bank there are in Th about 12/13, has relationships with either MC=Mastercard, or US=Visa, or both. then there is also JTB=Japan and UnionPay=China, which you have nothing to do with here in NL/BE.
    Once you realize which bank/s swallows/accepts your card, you are already many steps further.
    By the way, the SNS should have been able to explain/tell you that way.
    Vpay is simply a variant of VISA, which is most widespread in TH. Actually works like the Nl PIN or Belse Mr.Cash-direct payment with PIN and no credit. But that depends on the receiving bank.

  4. ed says up

    take cash with you and change much cheaper than debit cards

    • Rory says up

      Ed is not always right what you say.
      How to bring money. Make purchases with visa and all purchases are insured for 30 days.
      Never take the rate in Thailand but always pay in baths. And not in euros. Today 39.25 baht per euro via visa. Exchange offices 38.3 to 38.7 bath.
      I withdraw an average of 1 bath in Thailand once a month. The rest with visas.

      • Fransamsterdam says up

        Interesting. Today's high so far is 39.04. So they give more Bahts for a Euro than the middle rate. Now a bank that gives more Euros for the Bahts than the middle rate, and tonight we are millionaires.

  5. Fransamsterdam says up

    V PAY is a European debit card from Visa Europe.
    Your bank may also allow you to use the card for internet banking or outside Europe. Check with your bank if these options are available. According to the VISA site itself.
    .
    Your bank may also allow you to use V PAY on the internet or to access money outside of Europe – just check with them to see if these options are available.

    https://www.visa.co.uk/products/v-pay-by-visa/making-payments/


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