Paphos Life

Just noticed that BoC have took a payment from my bank account on 31st March and 30th April:

CARD MEMB.FEE PRORATA PDSPFO nnnnnn Card Memb. €5.00 nnnnnn is a number which is different on each payment.

Before contacting BoC does anyone know what's it for? Are they now charging for the privilege of having a Debit Card ?

€5 is what they charge annually, I thought for your debit card. If it is a joint account both cards are charged. If it isn't that, ring them and ask.

As far as I can recall, BofC have always charged their customers for the privilege of holding one of their debit cards. At least it is a fixed fee, described in their list of charges (available on line), unlike when I used to also have a village Co-op account - the card fee changed each year in accordance with use and some other weird calculation such as number of other cardholders...

What !!!!! they charge you for supplying the card, and a regular charge to use it.. But they also make a charge if you Don't use the card.. Phew, that to me is crazy

Lincoln wrote: ↑Wed May 20, 2020 9:49 pm

Tanny wrote: ↑Wed May 20, 2020 6:03 pm But make sure you use the card once monthly as there is an under use fee if it is not used.

Tanny it is no longer April 1st.

It is no joke, BOC do charge if you dont use it !!!

Mirek wrote: ↑Wed May 20, 2020 9:52 pm

Lincoln wrote: ↑Wed May 20, 2020 9:49 pm

Tanny wrote: ↑Wed May 20, 2020 6:03 pm But make sure you use the card once monthly as there is an under use fee if it is not used.

Tanny it is no longer April 1st.

It is no joke, BOC do charge if you dont use it !!!

Methinks you guys make this stuff up as you go along

We have a joint a/c with BoC and have had since it converted from Laiki.
We both have a debit card and we each get charged €5 *once a year* for this privilege, regardless of whether we use it or not!

When my late husband and I had a Hellenic account for emergency use (opened after the BofC new accounting system fiasco), he used his card occasionally - and I didn't. His card was renewed automatically - and mine wasn't. We were told by a helpful bank assistant that this was because I hadn't used it in the past 6 months so the assumption was I didn't need it.
After that, it was used once a month or so until shortly before my hisband's desth when we closed the account following their intransigence over the account title. A joint account should be "either/or" not "and" because on the death of one party, the funds will go to the survivor. In the case of an "and" designation, once the other party has died, the funds become subject to probate before the survivor can claim them. And the banks charge to give you the paperwork required by probate ....

Tanny wrote: ↑Thu May 21, 2020 5:33 am Nope, there is an underuse charge.....

Do you have a BoC account?

Tanny wrote: ↑Thu May 21, 2020 5:53 pm Yes BoC account.

Well, you must have a different account to us as we have only ever been charged the €5 each year for the card.

This is the link to the most recent BOC price list for people to review the charges:

https://www.bankofcyprus.com.cy/en-gb/r ... in-effect/

galexinda wrote: ↑Thu May 21, 2020 8:33 pm This is the link to the most recent BOC price list for people to review the charges:

https://www.bankofcyprus.com.cy/en-gb/r ... in-effect/

Many thanks - can't see any mention of under-use charge for any of the cards ...............

J B wrote: ↑Thu May 21, 2020 11:25 pm

galexinda wrote: ↑Thu May 21, 2020 8:33 pm This is the link to the most recent BOC price list for people to review the charges:

https://www.bankofcyprus.com.cy/en-gb/r ... in-effect/

Many thanks - can't see any mention of under-use charge for any of the cards ...............

On the list of BOC charges on page 4/19 you will see the details below. This is what I get caught by if my debit card is not used

Is all this kafaffal, over five euros a year, or five euro a month for not using card?

Mirek wrote: ↑Fri May 22, 2020 9:28 am

J B wrote: ↑Thu May 21, 2020 11:25 pm

galexinda wrote: ↑Thu May 21, 2020 8:33 pm This is the link to the most recent BOC price list for people to review the charges:

https://www.bankofcyprus.com.cy/en-gb/r ... in-effect/

Many thanks - can't see any mention of under-use charge for any of the cards ...............

On the list of BOC charges on page 4/19 you will see the details below. This is what I get caught by if my debit card is not used

Screenshot 2020-05-22 at 07.25.54.png

Hmm, sorry, can't see that.
The document is only 15 pages and the bit you quoted ... I can't see!

WHL wrote: ↑Fri May 22, 2020 9:47 am Is all this kafaffal, over five euros a year, or five euro a month for not using card?

Kerfuffle?

We pay €5 per card per year

Tanny suggested there is a €5 per month fee for underuse

J B wrote: ↑Fri May 22, 2020 10:23 am

WHL wrote: ↑Fri May 22, 2020 9:47 am Is all this kafaffal, over five euros a year, or five euro a month for not using card?

Kerfuffle?

We pay €5 per card per year

Tanny suggested there is a €5 per month fee for underuse

We have cards with the BOC, In the big scheme of things five euro a year, isn't a big deal.

Tanny wrote: ↑Fri May 22, 2020 6:48 pm Tanny didn't say how much the charge is, but I can assure you it is €10 per month if the physical card is not used.

So either use it or give up, or Im I missing something.

WHL wrote: ↑Fri May 22, 2020 7:02 pm

Tanny wrote: ↑Fri May 22, 2020 6:48 pm Tanny didn't say how much the charge is, but I can assure you it is €10 per month if the physical card is not used.

So either use it or give up, or Im I missing something.

I'm really confused.com here and certainly don't want to get charged €10 per month

@galexinda gave a link to the BoC charges, which looks fine and think it relates to the account that I have.

Then @Mirek gives a quote about charges which isn't from the charges pdf that @galexinda quoted

Then @Tanny says it's €10 per month for underuse