Ellkeeper Posted June 4, 2015 Report Share Posted June 4, 2015 Just wondering what ATMs we should use when in Ajijic. Link to comment Share on other sites More sharing options...
cedros Posted June 4, 2015 Report Share Posted June 4, 2015 Where is your ATM card from? Link to comment Share on other sites More sharing options...
Floradude Posted June 4, 2015 Report Share Posted June 4, 2015 What ATM's do you use in the U.S., or wherever you are from? Link to comment Share on other sites More sharing options...
Ellkeeper Posted June 4, 2015 Author Report Share Posted June 4, 2015 VISA debit from First TN bank..Tennessee bank. Link to comment Share on other sites More sharing options...
John Shrall Posted June 4, 2015 Report Share Posted June 4, 2015 Looking at the web site for your bank, there is a $2 transaction fee each time you take money out of an ATM plus a 1% international currency exchange fee. Any ATM in town will work but if you were able to get $1,000US or about $15,000 pesos in a single transaction, it would cost you $12US. If it's just for a visit the fees may be tolerable. Most people here have worked out a system to get pesos with very little or no extra fees. CI Banco and Multiva ATMs allow single withdrawals of at least $15,000. On last try Banamex ATMs (Walmart & Farmacia Guadalajara) limited a single transaction to $10,000 pesos. Bancomer surchage fees are ridiculous so avoid them. Link to comment Share on other sites More sharing options...
Shelley Ronnfeldt Posted June 4, 2015 Report Share Posted June 4, 2015 In my case, it's the issuing bank (Chase) that sets my limit. My personal preference is the HSBC machine inside the HSBC bank across from Walmart. You will have no problem finding an ATM to use. Just remember your service charge is the same whether you withdraw a little or a lot, so get as much as you think you'll need. Link to comment Share on other sites More sharing options...
John Shrall Posted June 4, 2015 Report Share Posted June 4, 2015 The bank sets the daily withdrawal limit for a debit card while the ATM has a transaction limit. You might have a $2,000 daily limit from your bank but due to the ATM transaction limit you might have to perform 2 or more transactions to get your daily bank limit. The transaction charge is assessed each time you insert a card and ask for money. The 1% fee is assessed on the total amount of money you take from the machine. In general it's always best to try to get as much money as you can in a single swipe. It's good to know what your daily withdrawal limit is. You would probably need to call your bank to find out. Try to beg for a higher limit since it's your money but often that won't work. Link to comment Share on other sites More sharing options...
Ellkeeper Posted June 4, 2015 Author Report Share Posted June 4, 2015 We are headed to College Station the first leg of our trip to met our new grand-daughter. This is a short trip to Ajijic to see what it's like...I'm wanting to move to Mexico and hoping Lakeside is the right place. We were in Puta Mita in December and there were posts on ATMs NOT to use. So, just wondered if there were ATMs not to use in the Ajijic area. Good advice on limits. Thanks for responding! Link to comment Share on other sites More sharing options...
El Menudo Posted June 4, 2015 Report Share Posted June 4, 2015 The atm at Multiva bank on the carreterra is good and so is the one inside farmacia Guadalajara. Tell your bank in advance that you will be here and using your card. Link to comment Share on other sites More sharing options...
Shelley Ronnfeldt Posted June 4, 2015 Report Share Posted June 4, 2015 Ellkeeper, I haven't heard any warnings about particular ATM's in a long while. Just be prudent - use one inside a bank or business if possible, hide the keypad when punching in your PIN. Secure your money before walking away, be aware of your surroundings. Same as you'd do anywhere. Link to comment Share on other sites More sharing options...
RVGRINGO Posted June 4, 2015 Report Share Posted June 4, 2015 Do notify your bank that you will be using your card in Mexico, and ask them to raise your daily limit; they will, no need to beg. We lived quite well in the cash economy with a $1000 daily limit to reduce the need to visit ATMs too often, etc. Avoid any use of a credit card during your visit. Enjoy your trip. Link to comment Share on other sites More sharing options...
cbviajero Posted June 5, 2015 Report Share Posted June 5, 2015 . Link to comment Share on other sites More sharing options...
cedros Posted June 5, 2015 Report Share Posted June 5, 2015 The atm at Multiva bank on the carreterra is good and so is the one inside farmacia Guadalajara. Tell your bank in advance that you will be here and using your card. In the past there were problems with the one inside Farmacia Guadalajara. I think it is better to use one that is in a bank. Link to comment Share on other sites More sharing options...
maw7815 Posted June 5, 2015 Report Share Posted June 5, 2015 The best ATM to use is CI Banco-the one in the mall across from Wal-Mart. They also have an armed guard posted there. The charge to use the ATM is only $17 pesos, The worst one is Bancomer- they charge $69 pesos per transaction. You should be able to withdraw $7500 pesos for your $500 usd withdrawal. maw Link to comment Share on other sites More sharing options...
Ellkeeper Posted June 5, 2015 Author Report Share Posted June 5, 2015 Lol! I did!! Link to comment Share on other sites More sharing options...
El Menudo Posted June 5, 2015 Report Share Posted June 5, 2015 In the past there were problems with the one inside Farmacia Guadalajara. I think it is better to use one that is in a bank. It has been a while since I used the one in the Farmacia. Link to comment Share on other sites More sharing options...
tomgates Posted June 5, 2015 Report Share Posted June 5, 2015 The card I use most is thru RBC Wealth Mgmt. it is issued by PNC Financial. There are no fees on that end. I have a daily limit of $2000 US. The only fees I pay are the Mexican bank fees, HSBC about $35p and Bancomer about $27p. On a $5000p withdrawal, that is 11bp and 8bp resp. The HSBC at Superlake is fine, the HSBC office across from Walmart is good and the Bancomer off the plaza in Ajijic is good. Link to comment Share on other sites More sharing options...
maw7815 Posted June 5, 2015 Report Share Posted June 5, 2015 How come Bancomer is charging $69p on my US Chase debit card ? Link to comment Share on other sites More sharing options...
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