Talk:Proposed features/Cash withdrawal

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Not a bad idea as it would be handy to know that you can get cash out "here".

Some potential issues I can see though.


How much can I get out ($100 max)? A supermarket cashier may be able to give me $500, but a corner milk-bar may be only $50.


Do you need to specify which currency? eg Can I ask for € in the UK, or US$, or is it expected that you can only withdraw the local currency?


"To tag whether there is cash withdrawal and with what banks/brands use: cash_withdrawal=no/<bank>/<card> for example: cash_withdrawal=migros_bank;postfinance_card;bank_of_america"

By the time you add in all the possible banks / cards, that will become very unwieldy & hard to read, & there is also a character limit that will apply.


"Basically to everything where you can get cash with the help from personnel. If you can get the money yourself atm=yes or amenity=atm should be used. The new tagging should for example be used at: supermarket,convenience,bar,cafe,kiosk"

Here in Australia, at least the 2 biggest supermarket chains have self-serve checkouts that allow you to put your groceries through yourself, but also allow you to withdraw cash. It is also possible to use these checkouts to only withdraw cash without actually buying anything. How would these be tagged?


"Rendering None."

Would probably actually be good idea to render them with the standard ATM symbol, so that if you look at a map, you can see that you can get cash out here, here or there!


Fizzie41

  • I have not seen any checkout in Switzerland which offers anything else than the local currency. Even if Euros are widely accepted here, change is always in CHF. So I say it is the default: local currency only. --Datendelphin (talk) 07:48, 24 August 2019 (UTC)
  • I am against an atm icon: I expect an actual atm machine to be there for that icon. And such a machine has an extended range of services from getting cash at the checkout. --Datendelphin (talk) 07:48, 24 August 2019 (UTC)

Minimum buying amount

That's a good idea, the service is becoming more and more common. However, in most cases you have to buy for a minimum amount of money to withdraw money. So maybe an additional tag like cash_withdrawal:buying_minimum=€ 20 would be good. Grimpeur78 (talk) 06:31, 22 August 2019 (UTC)

Cashback

In British English the term used is Cashback.

The cashier will often ask is you want cashback when paying by debit card.

You cannot get cashback on a credit card.

Fees: cash_withdrawal:fee=yes/no/purchase_required

I'm not sure how the tag cash_withdrawal:fee=yes/no/purchase_required would be used in practice. Aren't these sort of fees dependent on what card is used? For example, my credit union does not charge any withdrawal fee, but my old bank did. --Jeisenbe (talk) 11:14, 24 August 2019 (UTC)

Well I don't mean any fee that your bank charges you but a fee the till operator charges you. For example if you buy nothing and withdraw money only they charge you $1 but if you purchase anything from the store it is free to withdraw cash. --amilopowers 14:47, 24 August 2019 (UTC)

All banks/cards

To tag whether there is cash withdrawal and with what banks/brands use:

cash_withdrawal=no/<bank>/<card> for example: cash_withdrawal=migros_bank;postfinance_card;bank_of_america

In some countries, for example in Central Europe, this is the usual schema: you can use any MasterCard/Visa debit card (in some cases credit card as well) issued by any (local) bank. The only requirement is that the bank supports cash withdrawals. Usually, at least all major banks offer this. Is cash_withdrawal=mastercard;visa the correct thinking? --Chiak (talk) 13:38, 24 August 2019 (UTC)

  • That's how it is meant yes. However I am not aware of places where you can get money with every Master or Visa card in Switzerland rather than specific banks. Most people have a Maestro or PostFinance card for their daily purchases. --amilopowers 14:51, 24 August 2019 (UTC)
    • For example in the Czech Republic, all banks issue either Mastercard or Visa (Debit version) for daily purchases. Electronic-only cards (Maestro, Visa Electron) were issued in the past, but virtually disappeared during 2010s. Because of that, cash withdrawals in supermarkets are advertised as "Mastercard/Visa cashback" rather than operator bank's service. Of course, only Czech cards are accepted for withdrawals. --Chiak (talk) 19:18, 24 August 2019 (UTC)
      • Thanks for your comment. I added a subtag "cash_withdrawal:foreign_cards" to determine whether foreign cards are accepted or not. --amilopowers 20:13, 26 August 2019 (UTC)
  • In the UK you can only get cash when useing a debit card, not on a credit card (you have to pay for cash advances on a credit card). Hence you can get cash on a visa debit, but not visa credit. I believe mastercard is a credit card, the equivalent debit card is called a maestro. Trigpoint (talk) 17:33, 24 August 2019 (UTC)
    • Mastercard has debit card as well, called Debit Mastercard. The only visual difference between debit and credit MasterCard is the word "Debit" written somewhere near the network logo and/or in the hologram area (Visa uses the same system). It is not available in all countries I guess. The main technical difference between them - Maestro is online-only. --Chiak (talk) 19:18, 24 August 2019 (UTC)
      • What do you mean by "online-only"? --amilopowers 20:13, 26 August 2019 (UTC)
        • Online payment verification by cardholder's bank is required. That means that these cards won't work in offline NFC terminals located for example in public transport. --Chiak (talk) 16:41, 27 August 2019 (UTC)
  • We're voting already so the proposal can't be altered anymore. But I think the name of a bank should be marked as optional on the final wiki page for the reasons stated above. In German Rewe supermarkets correct tagging would be cash_withdrawal=girocard. --Discostu36 (talk) 18:55, 8 September 2019 (UTC)
  • Thanks for your comment. Maybe I didn't explain it enough but the idea is that you add cash_withdrawal=gircard if all girocards from all banks are accepted. If there are limitations on specific banks you should use "cash_withdrawal=deutsche_bank;commerz_bank". I will clarify that on the wikipage. Amilopowers (talk)

Maintainability issues

The fact that you can get cash from a specific shop and under what conditions isn't really tied to the physical location of that shop, but to the policy of the operating company. If the owner changes their policy, all of the shops change at once. Therefore, from a data structure philosophy, the attribute should be attached to the company itself, and not to every single store. If these attributes are attached to single stores, maintaining the map to keep up with changes will be a nightmare. Taktaal (talk) 00:40, 22 September 2019 (UTC)

A very good point. Warin61 (talk) 01:22, 22 September 2019 (UTC)
We don't maintain a database of companies, so I don't really understand what you're suggesting. -- Discostu36 (talk) 08:45, 22 September 2019 (UTC)
  • I am not sure what you mean as well since we already have a lot of data tied to the current owner. And there are tools to mass edit a lot of data in no time. Amilopowers (talk)