For the fourth time so far this trip my Capitol One Master Card that I carry as a backup saved the day when my fancy new BMO chip credit & debit cards “that work at any ATM in the world with the Cirrus logo” or so said my rep at the BMO in Bowmanville.
Another example of Canadian incompetence in a government regulated job.
My Capitol One only failed once in Korea but worked at a larger bank down the street when BMO failed once again.
My BMO debit card is useless about 50% of the time as Iceland & Greenland were a no go & approximately 50% of the countries I have visited the ATM’s only gave cash advances on credit cards not debit cards, guess as they can’t charge interest on debit card advances they just refuse to give them which is tantamount to theft as everywhere charges the 6% fee on your bill (some times hidden most times not) when paying by cc so if they won’t give cash on debit cards you are forced to pay the greedy banks 6% whether you like it or not!
So Canadians leave your government bank monopoly controlled cc’s at home & use a US one at least you know they will work & not be stuck with no cash by believing the lies told you by your bank!!