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A guide to Taiwanese VISA Debit Cards

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Re: A guide to Taiwanese VISA Debit Cards

Postby Steve4nLanguage » 19 Aug 2014, 20:52

Bobarctor wrote:Question on this: do you know what are the limits of this card (limit for withdraw in taiwan / abroad + limit of payment: in taiwan / abroad / online) ? The one they gave you is the ugly pink/blue one with the girl doing the shopping ? (I tried to ask another one but they have only this one).

Yeah, I got that blue card with the cutesy and fashionable girl and guy going shopping...blergh.

According to the disclosure that came with the card, the standard daily debit limit, both domestic and foreign, is 50,000nt, but you can request a higher limit up to a maximum of 200,000nt per day. This is subject to the limits that individual stores may have, which range from 20,000~50,000nt per day. There's something about a monthly 200,000nt limit, but I'm not sure if that's only ATM withdrawals/transfers or what. Below is the Chinese so you can check...

在國內,外簽帳扣款每日累計最高額度為新臺幣5萬元(得視需要申請調,最高不得超過20萬元)每筆簽帳扣款金額亦不得超過本行設定之特約商店限額(目前依不同商店每筆2萬到至5萬元不等之金額限制)。每日簽帳扣款累計限額並與ATM每日提款,轉帳等限額分開計算,且每月累計最高額度為臺幣20萬元,且不得超過指定存款帳戶內之可用餘額。
People are buying an exotic, hairy, white-skinned person who makes strange noises, and that's what they're selling to the parents, too. — ironlady
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Re: A guide to Taiwanese VISA Debit Cards

Postby double-g » 21 Nov 2014, 16:01

Didn't see any post about it, so I thought I'd update...

The Shanghai Commercial & Savings Bank provides VISA debit cards as well. They have two versions, one of which can be used as an easycard automatically toped up from your account by 500NT increments, which is quite practical (although I wonder what happens if your card gets stolen...) and also have a "paywave" function.
They gave it to me without any difficulty.
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Re: A guide to Taiwanese VISA Debit Cards

Postby fifieldt » 26 Dec 2014, 19:40

Hi,

Just re-confirming that it was fairly easy to get a VISA Debit Card at Taishin. Went to the local branch with Passport, ARC and drivers license and it was fairly straightforward.

If you are content with a card that does not have your name printed, they can give you one on the spot. For a card with your name printed, expect to wait up 7-10 days.

Some limitations:
-> The card is marked "Electronic use only". Don't worry. This just means that it can't be used in situations where instant electronic approval isn't available. These days, that basically means you're in one of two situations:
1) The store's phone line has died and they want to use an old-school "knuckle buster" [1] machine to take an "imprint" of your card. This won't work because your card doesn't have the embossed characters on it.
2) You're on an airplane. (they might still accept the card accidentally, but they're not supposed to)

-> The card doesn't have a visa PayWave chip

-> By default, it will not be enabled for access overseas. Just ask for that to be enabled, and they'll inform you about the withdrawal/overseas fees and switch it on.

When you get your card, you'll be in a branch anyway, so head straight to the ATM. Go to the service/function settings section and update your PIN. You need to do this to activate the card. The card has two PINs - a 6 digit one for local use and a 4 digit one for international use. If you can update your 6 digit PIN, but not your 4 digit PIN it probably means your card was not enabled for overseas access properly, so go back and fix that.

Oh, and ProTip: If you forget your Internet banking username/password, you can use your card in the ATM to reset that. If you ask at the counter, I think there's a 50NTD fee :)


So far the card has worked online at PCHome, in-person at Carrefour and at the Taishin ATM to get cash out. Will be trying it overseas next month.


[1] https://www.google.com.tw/search?q=knuc ... e&tbm=isch
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Re: A guide to Taiwanese VISA Debit Cards

Postby Belgian Pie » 26 Dec 2014, 21:49

Postal Bank: Debit card

http://www.post.gov.tw/post/internet/U_ ... D=24030107

Postal SavingVisa Debit Card

Introduction of the Visa Debit Card:

The Visa Debit Card does not have the function of delayed payment as credit card, neither does it have the functions of cash advance.
In addition to the functions of a general ATM card such as withdraw money and transfers, the Visa Debit Card can be used by a cardholder to make purchases at any stores posted a "VISA" logo internationally on the transaction slip.The amount will be debited immediately from the deposit account designated by the cardholder.

Outside of the country, the cardholder is able to withdraw local currency from any ATM that has a "VISA" logo by entering visa password (6 digits).

Application process and documentation requirements:

The applicant must be at least 18, has a passbook savings account (including the integrated postal savings account), and shall bring the national ID card (passport and valid resident certificate for foreigners), passbook, original chop and ATM card to any post office (For non-online passbook accounts should go to the original post office where the account was established) to apply the Visa Debit Card in person. An authorized person can't handle the application process on behalf of the applicant.
The applicant shall prepare the above mentioned documents to the designated post office for receiving the Visa Debit Card within 5 working days of the application being taken, and enter 6-12 digits chip password and 6-digits visa password into the Password Entering Machine at the post office counter.

Visa Debit Card purchases and overseas ATM withdraws limit:

The maximum accumulated spending limit is NTD60,000 daily and NTD100,000 monthly.
The overseas ATM withdraws limit in a foreign country should not exceed the foreign currencies equivalent to NTD20,000 per transaction, NTD50,000 per day and NTD100,000 per month.

Other points for attention:

If Visa Debit Card is loss or theft, you shall immediately inform our any post offices (or Customer Services Center voice service hotline: 0800-700-365, or payment number: (04)2354-2030 if you dial through a cell phone, or international payment number +886-4-23542030) to temporarily suspend payment.
You shall bring your national ID card (passport and valid resident certificate for foreign cardholders), passbook and original chop to any post office (For non-online passbook accounts should go to the original post office where the account was established) for issuing a new replacement card. The handling fee for reissuing a Visa Debit Card is NTD100.

Our computer system shuts down from 1:00am to 1:20am everyday to process files in batches. During this period, all online transactions and services are suspended.
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Re: A guide to Taiwanese VISA Debit Cards

Postby meldrew » 15 Jul 2016, 13:35

Some great information here, thanks!

I have read the first post and also all the information since the last update in 2013.

Having spent the last 5 years without a Debit/Credit Card...It is one the first things I want to sort out when I arrive in Taiwan.

I need to be able to use the Debit Card to buy things online. Shopping on Amazon, buying a flight, booking a hotel. Ordering a pizza...(??)
I also need to be with a bank that allows me to send money to my English account with relative ease. The preference would be being able to do it online with an English e-banking system but going into the branch to do it... is not a deal breaker.

I don't need an overdraft, I just want to be able to use the money I earn freely.

Taishin Bank seems to tick most boxes, but according to the first page, no one has really touched on the international transfer side of banking. Can anyone enlighten me there?

Thanks in advance!
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Re: A guide to Taiwanese VISA Debit Cards

Postby yuli » 19 Jul 2016, 04:53

meldrew wrote:I also need to be with a bank that allows me to send money to my English account with relative ease. The preference would be being able to do it online with an English e-banking system but going into the branch to do it... is not a deal breaker.


Hi!

Let me follow up on this but do that via a different (better suited) thread - you will find related info here:
viewtopic.php?f=88&t=71175&p=1742143#p1742143
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