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by koakuma-chan 328 days ago
A bit off topic, but how do you guys use banks to buy expensive things? I always run into issues, like I couldn't pay for my dentist because my card had a 300$ tap limit (I had to come back the next day and pay the rest lol), and there's all sort of limits, like I don't think I can spent more than a couple thousand dollars a day even if I physically bring my card and insert it or whatever.
4 comments

Add your card to your Google Wallet, and then use NFC from your phone for contactless payment. In Ireland the tap limit on a card is €50, but uncapped AFAIK using the same card via your Google Wallet.

Fintech banking like Revolut that comes with a separate IBAN and physical/virtual cards are helpful in such scenarios as well.

Currently, payments from your account to another account (you need the other party's IBAN) cost about 1.50€, probably less if you find a less greedy bank, and are executed immediately.

Retro options include cheques or (better) cashier's cheques.

All the banks I know have some limit over a sliding 30 day window. Some allow for this limit to be adjusted. But the minimum amount I've had was 1000 €.

Contactless is limited to 50 € per transaction. Going above requires inserting the card and entering the pin.

>I always run into issues, like I couldn't pay for my dentist because my card had a 300$ tap limit

Insert it and enter your PIN.

I don't remember my PIN
You’re free to add a contact to your phone contacts for Aunt Helga with a local area code and your PIN repeated twice.