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Banking - Cash Withdrawals Query

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Posts: 538
VIP Member
Topic starter
(@robin-greenwood)
Honorable Member
Joined: 12 years ago

Hello

Not sure if this is in the right place . . .

But, I have noticed that when I withdraw cash I get a receipt that gives the following amounts

Saldo Contabilistico
Saldo Disponivel
Saldo Autorizado

Each with a small amount alongside.

I interpret this to mean that there is only a set amoung available and authrorized for me to withdraw . . . but this amount is a fraction of my actual account balance. Why is this? If I want to buy a high value item - say a fridge or something - how can I do this with my debit card? Or if I want to withdraw 500 euros cash for a spending spree (not that I do but just in case) . . . how can I access my own money?

I'm a bit confused, and if anyone could shed some light that would be helpful. It would be a nuisance to have to go to the bank itself to withdraw money. (Is it just a way of controlling the cash economy?)

Thanks for your help.

11 Replies




Posts: 2376
VIP Member
(@x-camone)
Noble Member
Joined: 12 years ago

Have you done an on-screen balance enquiry and does it say the same thing? I think I remember getting something on paper once that looked odd because it wasn't laid out properly on the slip.

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Posts: 1271
VIP Member
(@crazy-russian)
Illustrious Member
Joined: 16 years ago

a total guess.........

but just maybe the figures shown are the amounts available to you IN CASH

as far as I aware we all have a 'daily max' cash withdrawal limit

see if the figs tie up with that idea

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Posts: 7054
VIP Member
(@chas-linda)
Illustrious Member
Joined: 16 years ago

If it's a PT multibanco card you just use that to pay in the shop, with your PIN number, the only limit is your a/c balance.

PT multibanco withdrawals depends a bit on bank, but generally you can only withdraw €200 at a time, depending on bank you can then make further withdrawals up to your daily limit.

It is cheaper to use Multibanco to withdraw cash, and do most things, have a look at your bank charges or if your bank doesn't have a English version look at

http://www.bcp.pt/site/conteudos/en/

Bottom of page > Client support > Price List

They are all fairly similar

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Posts: 538
VIP Member
Topic starter
(@robin-greenwood)
Honorable Member
Joined: 12 years ago

Thanks very much for that . . .

My online account details are correct, regarding the account balance. I am confused by the paper receipt, which when I do a withdrawal always refers to a lower figure . . . a couple of hundred euros or so, and not even whole numbers, - at the moment 284.21 . . . which bears no relation to anything.

I'll check the weblink as well.

Thanks for all your help.

Reply




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