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Divi chic
03-24-2008, 10:25 AM
Question on ATM's....
I seen one post that there are ATM's all over the island.
We are leaving for Aruba on 4/24 and my paycheck is direct deposited into my account on 4/25. I was hoping that I could get funds via an ATM while I am there. Has anyone done this before?

tds-ken
03-24-2008, 11:01 AM
Most likely they are located at either the banks or the Casino's. If Arubalisa sees this, I am sure she will know.

I wish you well.

rob o
03-24-2008, 11:01 AM
Should not be a problem. ATM's have $US. I forget what fee was....but do remember it was very reasonable.

It sure is fun to get a paycheck while you're in Aruba! You can check your deposit at one of the internet cafes if you wish.

rob o
03-24-2008, 11:02 AM
PS....the ATM I use is downtown near the movie theatre.

EdnaSmith
03-24-2008, 12:31 PM
We have never paid a fee for using an ATM except in the casinos.

Eagle Beach Boy
03-24-2008, 06:41 PM
On the back of your card it will tell you which machines don't charge an extra charge. Ones that are affiliated with your bank don't.

phillyboater
03-24-2008, 07:46 PM
Most except in the Casinos are free. There are plenty of locations. You may want to check with your bank to let them know you will be in Aruba. My accounts are with a credit union and cannot use card outside of US without advising them.

lou and nay
03-24-2008, 08:34 PM
Most except in the Casinos are free. There are plenty of locations. You may want to check with your bank to let them know you will be in Aruba. My accounts are with a credit union and cannot use card outside of US without advising them.
I cannot, for the life of me, understand why the casinos would be the only ones to charge a fee for ATMs. You would think they would want people to get money out. ATM fees discourage me to get money out.

Oh well, I guess that is why I'm an engineer and not a financial adviser!

Liz - Aruba Lover
03-25-2008, 09:02 AM
ATM machines are all over the island - you won't have any problem finding one. I use ATM's alot in Aruba and have never been charged a fee from either the Aruba bank or my bank.

Click banks for locations

Aruba Bank (http://www.arubabank.com/about_ba_a.php)(does not take Visa bank cards - only Master Card).

RBTT Financial (http://www.rbtt.com/applicationloader.asp?app=bank_locations&cboCountry=6&RadioGroup=2&red=yes)

Caribbean Merchantile Bank (http://www.cmbnv.com/atm_addresses.php)

Liz - Aruba Lover
03-25-2008, 09:08 AM
I cannot, for the life of me, understand why the casinos would be the only ones to charge a fee for ATMs. You would think they would want people to get money out. ATM fees discourage me to get money out.

Oh well, I guess that is why I'm an engineer and not a financial adviser!

I have many times used ATM's in Casino's in Aruba. I have never been charged a fee. There are Cash machines in Casinos which are different than ATM's. Cash machines charge very large finance charges. It's the same as taking a cash advance on your credit card. Interest is charged from the day you you take the money. Never use a cash machine.

Divi chic
03-25-2008, 10:11 AM
Thank you everyone for your input on ATM's...
29 days and I will be returning 'home'.
CANNOT WAIT!!!!!:D:);)

lou and nay
03-25-2008, 12:02 PM
I have many times used ATM's in Casino's in Aruba. I have never been charged a fee. There are Cash machines in Casinos which are different than ATM's. Cash machines charge very large finance charges. It's the same as taking a cash advance on your credit card. Interest is charged from the day you you take the money. Never use a cash machine.

Ok, that makes so much more sense. I guess you can tell I'm a bit of a greenhorn when it comes to casinos.

hawaiianmoonlight
12-01-2008, 09:49 PM
Hi everyone,
While we are getting very excited to get to Aruba there are a few things I need help with... are there ATM's in Aruba? Do they dispense American dollars? How much should we bring in cash?

On a side note, I can really enjoy getting away knowing I'm all done Christmas shopping! :D

Thanks for your help! Catherine
p.s. if there's any more info you wished you had when you first visited Aruba that you'd like to pass on to me I'll appreciate it.

Arubalisa
12-01-2008, 11:05 PM
Gosh, your trip is right around the corner. :D

http://www.aruba.com/forum/f7/atms-30599/ (http://www.aruba.com/forum/f7/atms-30599/)
http://www.aruba.com/forum/f7/money-question-32041/ (http://www.aruba.com/forum/f7/money-question-32041/)

For more info and last tips check out:
Money Saving ideas (http://www.aruba.com/forum/f35/money-saving-ideas-33984/)
Tip of the day-packing (http://www.aruba.com/forum/f35/tip-day-packing-30541/)
What have you taken from this board (http://www.aruba.com/forum/f35/what-have-you-taken-board-35244/)
Items you are glad your brought with you (http://www.aruba.com/forum/f35/items-you-glad-your-brought-you-30619/)

KarenCT
04-09-2009, 10:19 AM
I'm sure this has probably been asked before, but I was wondering if there are convenient ATM's in the High Rise Area? Or anywhere on the island for that matter?

DushiHeidi
04-09-2009, 10:50 AM
Most of the casinos in the high rise aread have atms in them. There is an ATM downtown at the Royal Plaza Mall. There are a bunch of them you just have to look around.

cindyo
04-09-2009, 11:11 AM
There is one at the Rennaissance Marketplace outside of Taco Bell.

fattypatty
04-09-2009, 11:49 AM
in my experience all hotel lobbies have an atm. also, you can actually get cash from the lobby and have it billed to your room charges. marriott allows this for free up to a certain amount based on your rewards member status.

Andrea J.
04-09-2009, 01:05 PM
ATMs are as conveniently located in aruba as they are here in the usa.
if you use the atms at any of the casinos be forewarned of astronomical fees.

andrea


I'm sure this has probably been asked before, but I was wondering if there are convenient ATM's in the High Rise Area? Or anywhere on the island for that matter?

EdnaSmith
04-09-2009, 01:28 PM
Go into any bank they all have ATMs.

fattypatty
04-09-2009, 02:16 PM
the aruba national bank atm fees were decent - comparable to usa rates.

TomFrederick
04-10-2009, 10:23 AM
>>> "ATMs are as conveniently located in aruba as they are here in the usa"
----- Would not go that far. Some resorts do not have them. Casinos charge a fee. State where you are staying and someone may know the best/closest ATM to your resort.

Andrea J.
04-10-2009, 12:16 PM
here are just a FEW of the locations of ATMS
Marriott (all)
Lacabana BRC
and
ATM machines:
Travelers with ATM cards bearing the CIRRUS or Plus System network logos can withdraw cash in Aruban florins. Home bank accounts will be debited in dollars at a favorable exchange rate, and a service charge will apply. Before departing for Aruba, it's important to verify whether your PIN number will work in Aruba by calling 1-800-4-CIRRUS.
ATM machines are available at the following locations, all in Oranjestad unless otherwise noted:

RBTT Bank (formely ABN/AMRO Bank):
Caya G.F. Betico Croes 89 (main street, downtown)
Sun Plaza Building at L.G. Smith Blvd. 160
Port of Call Mall at L.G. Smith Blvd. 17
Seaport Market Place
Kong Hing on L.G. Smith Blvd.
Dr. Horacio Oduber Hospital in Eagle
main street in San Nicolaas
Marinierskazerne in Savaneta.

Caribbean Mercantile Bank:
Caya G.F. Betico Croes 51 (main street, downtown)
L.G. Smith Blvd. 17
Seaport Village Mall
Royal Plaza Mall, on Coastal Gasstation Boulevard
Palm Beach 48, Noord; Zeppenfeldstraat 35, San Nicolaas
Santa Cruz 41, Santa Cruz.



>>> "ATMs are as conveniently located in aruba as they are here in the usa"
----- Would not go that far. Some resorts do not have them. Casinos charge a fee. State where you are staying and someone may know the best/closest ATM to your resort.

phillyboater
04-11-2009, 10:24 AM
There is an ATM across the street from Pasio Mall in the area of Dushi Bagel. Reasonable fees.

TERJOE
10-14-2009, 08:25 AM
Are there ATM machines in Aruba? I don't like to carry a lot of cash. If so can I get american money. What are the usual fees?

Andrea J.
10-14-2009, 08:32 AM
there are ATMs
when one wants to make a withdrawal, one is given a chioce to have Aruban Florins or US Dollars.
the fee is nominal i think when we hit up the ATM the fee was $2 per transaction


Warning ***** the fee at Casinos ATMs are HIGH******

andrea


Are there ATM machines in Aruba? I don't like to carry a lot of cash. If so can I get american money. What are the usual fees?

Andrea J.
10-14-2009, 09:01 AM
from liz aruba lover

Cash machines in Casinos charge high fees in Casinos not ATM's. Cash machines you withdraw $$ from your credit card, not checking or savings. The credit card company starts charging interest (which is very high) from the day you withdraw the cash. Some Casinos you will see both a ATM and a Cash machine next to each other.

TERJOE
10-14-2009, 09:01 AM
Thanks for your help. Really looking forward to our trip.

islandj
11-03-2009, 08:36 AM
also let your bank know in the states that your coming to Aruba so they dont freeze you account thinking its fraud. Also check to see what your banksfees are because alot charge international user fees.

plywood
04-24-2010, 07:23 PM
My suggestion is that you only use ATM's located inside the banks. I know that this is not always convenient but it is much harder to install card readers on the inside bank machines. I would not use a debit card at any retail establishment. I use my credit card for everything and pay it off as soon as it posts to my account. I also monitor my account daily to check for any fraudulent activity. So far, so good.

Lewny1
04-24-2010, 08:32 PM
One thing I noticed is that I could not get cash from all of the ATMs. For example, my checking account is with Bank of America and my "debit" card from there does not have a Cirrus logo. It is a Visa debit card. Some ATMs only serviced Cirrus and Mastercard. I had to find "select" ATMs that serviced a Visa logo. Was not very convenient. Also, the ATM at the Radisson seems to ALWAYS be out of order. Next year I will definitely bring enough cash to last for the whole two weeks. This year I only brought one week's worth of cash and figured I would just go to an ATM to get the rest. Not only was it not easy to locate an ATM that would accept a "Visa" logo, but most ATMs only give you a few hundred dollars at a time even though in the states I'm allowed to withdraw up to 1,000 per day from my checking account through my ATM card.

Andrea J.
04-24-2010, 09:24 PM
my visa logo debit atm card (from my credit union here in maine) allows only $300 maximum withdrawal per day from atm.
while in aruba in jan/feb, we had no problems finding an atm that would accept the card...we went to the bank atm on smith blvd near the former office of the ata.

another time we stopped at a bank atm machine across the street from queen wilhemenna park downtown.

paulmorin
04-25-2010, 11:51 AM
the atm at the hyatt casino and in front of playa linda only has a $1 fee. the only 2 I've ever used.

TomFrederick
04-28-2010, 07:34 AM
Bank of America Debit card will work at the Alhambra casino ATM. Just make sure you use the ATM machine and not the Cash Advance Machine(bigger fee).
However for the most part always use American Express Travel Checks when I need cash.
At resort checkout always use a credit card. Usually will not use a Debit card out of the country. Even Ling & Sons take credit cards if you have a photo ID.

pratoman
07-24-2010, 08:09 PM
I have been going to Aruba for 34 years, including the last 9-10 years straight, so i can't believe i am even asking a question, i should be answering them.

Anyway, i am leaving this week, and am wondering about money.
I have always brought Travelers Checks with me, either Amex or Citibank. I have a feeling that i am the only one in the world that still uses these things.

My wife wants to just use her ATM card (we are gamblers-not good). I know there are ATM's all over the place down there, but I am not clear on the fees. I don't want to be bothered walking to a bank to use their ATM, its inconvenient, and its 10 minutes less that i can spend on the beach, which is all i do all day.

So my question is this - at the Marriott specifically - the hotel, not the timeshare - what do the ATM's charge? Is it ridiculous? And do they dispense USD or Florins.
Thanks

Andrea J.
07-24-2010, 09:03 PM
hey prato

they dispense USDOLLARS and FLORINS you get to decide right before you enter the amount.

the fees are comparable to the USA.
i just went back and looked at my january online statement for my credit union and we used the ATM on jan 22 and jan 29 both times the fees were $3.00.
we used the ATM at Lings

The only time i can avoid fees is using the ATM @ my credit union. (5 county in maine and midflorida)

i guess it is a small price to pay for the convenience.

i prefer to bring travelers checks.

we used to use our credit card lots in aruba (AA Citi Master card) but now they add in the international fee and being tight i do not like paying that either.

this upcoming trip we have our travelers checks lined up and ready.
easily cashed at casinos for no fee.

pratoman
07-24-2010, 09:28 PM
Thanks for the response Andrea.
I just called Citibank, and found out that in addition to the $3.00 or whatever charge the Aruba ATM/Bank will charge me for a withdrawal, Citi will also charge my account 3% of whatever amount i withdraw. They only do this on overseas transactions, not domestic withdrawals.

Think I'll stick with Travelers Checks.

sunnysmiles
07-25-2010, 12:04 AM
We used travelers checks and cash when we went. I did have a cc with me just in case. The only place we tried that wouldn't take a travelers check was Green Zebra Adventures.

TomFrederick
07-26-2010, 09:37 AM
>>>> "I have a feeling that i am the only one in the world that still uses these things."
---- I still bring Amer Express Trav Ch. I get them free at my credit union and casinos, my resort, and all the restaurants we go to still accept them.
Think in Europe you will have a hard time using them. Have always cashed them all the time on cruise ships without any problems.
Also was able to use my American Express Credit Card at Ling & Sons without any foreign fees added. The cash register at checkout did the conversion to US$$ and processed the charge right there. They did ask to see a photo ID so have your drivers lic or passport with you.

Edronenburg
07-26-2010, 10:00 AM
I, for one, prefer "American Express Travelers' Checks"; and I get them free at my bank; but also used my credit card at a number of establishments. I did notify my credit card issuer that I was traveling out of the country; and they said when I returned to check with them about any unauthorized users. None. Also, I did not have to pay any additional fees for the use of my credit card in Aruba.

I imagine there are different regulations at different banks/credit unions; but this is my experience.

Ed

Dom
07-26-2010, 01:09 PM
Check with your credit card company to see if they have a fee for a foreign transaction in US dollars. Since most places in Aruba charge you in US dollars, there never used to be any extra charges to use the credit card. However, last year, many companies started to charge extra fees (generally 1% to 3%) for any foreign transaction. I checked with all of my credit card companies, and about half of them did charge, but the other half did not. I always use credit cards in Aruba and have never had any problems in over 30 years of doing this.

Arubalisa
07-26-2010, 03:22 PM
I am going to post my "generic" advice once again:

Before traveling with an ATM card, please check with your bank's policies regarding lost and stolen cards. Rules and policies are not necessarily the same as they are with credit cards where you are normally liable for only the first $50 in charges.

http://www.pirg.org/consumer/banks/debit/debitcards1.htm (http://www.pirg.org/consumer/banks/debit/debitcards1.htm)
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.pdf (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.pdf)

http://www.kiplinger.com/columns/fitness/archive/2001/ff20010808.htm (http://www.kiplinger.com/columns/fitness/archive/2001/ff20010808.htm)
"Debit cards. The rules are similar for debit cards, but there are a few restrictions. For example, your liability under federal law is limited to $50, but only if you notify the issuer within two business days of discovering the card's loss or theft. [this would probably be easy if you travel and access the internet daily to check your account balances.] Your liability could jump to $500 if you put it off. And even this cap is lifted if you wait more than 60 calendar days from the time your bank statement is mailed."

Credit cards are widely accepted all over the island. We used to use our AMEX but now that there is a foreign transaction fee, have a Capital One card we use instead.

Common Foreign Transaction Fees (http://www.cardratings.com/creditcardforeignexchangefees.html)
"A February 2010 survey of foreign transaction fees conducted by the New York Times revealed a wide range of foreign transaction fees:

Capital One- No Foreign Transaction Fee

American Express - 2 - 3%, depending on member status

Bank of America - 3%

Chase - 3%

Citibank - 3%

HSBC - 3%

Wells Fargo - 3%

Discover Card - 2% - Accepted in China, the Caribbean, Central America, Mexico and certain parts of Europe.

Pentagon Federal Credit Union - Varies depnding on the card product

Capital One remains a powerful exception to the rule. Its bank branches in both the United States and the United Kingdom give it a competitive advantage in America and Europe. Therefore, Capital One charges no foreign transaction fees of any kind. Best of all, Capital One's Web site lets you apply same-day payments from any pre-registered checking account. I used my Capital One MasterCard for most of the expenses on my week-long trip, saving me a few hundred dollars. When some unexpected souvenirs got me close to my credit limit, a quick payment from the Web browser in my hotel's business center allowed me to keep saving money. ..."

Credit Card Costs Are Cut, but Foreign Fee Stays - NYTimes.com (http://www.nytimes.com/2010/02/20/your-money/credit-and-debit-cards/20money.html)

pratoman
07-26-2010, 09:59 PM
Went to AAA today, and bought Travelers Checks. No charge to members. Problem solved. No way I am paying 3% to American Express in addition to the vig on the Exchange Rate. The restaurants in Aruba are expensive enough. Thanks for the great advice, much appreciated

757
12-06-2010, 01:26 PM
How many and which ATM is at the airport?

Where they are exactly?

Thanks!!!

Andrea J.
12-06-2010, 03:51 PM
i think it is an ARUBANK ATM machine and there is one near the NON USA departure terminal.
and it handles all ATM cards like here in the usa.
dispenses money in florins or US dollars

757
12-06-2010, 04:09 PM
Thanks Andrea :)

Liz - Aruba Lover
12-07-2010, 08:24 PM
I don't bring much money to Aruba, I always use the ATM's. But for years I never had to pay a fee. Last January I didn't but in April I did.

Arubalisa
05-19-2011, 10:42 AM
I have seen many news reports on skimming at ATM machines at home.

Here (http://www.arubarealestate.com/aruba-money/) on the bottom of the page, is the first mention I have seen of it going on in Aruba.

jeffnev
05-19-2011, 10:51 AM
News reports say to shield the keypad with your hand when you enter your pin code as that is often how they can connect it to your card number. It's amazing that it isn't even secure to use machines at banks. I have had my Visa card skimmed at a Best Buy and at a gas station in NJ in the past year. It is such a common occurance that Chase Visa handles the card cancellation through voice prompt and you never even speak to a live person. i think having your debit card skimmed is more serious as they have access to your bank account.

Arubalisa
05-19-2011, 10:59 AM
For security, everyone should familiarize themselves with the use also of card readers. Thieves are now placing devices over the slot of an ATM to obtain your debit card information.
http://www.snopes.com/fraud/atm/atmcamera.asp