Mike, > What I'm looking for should be obvious: A debit card with low or no > currency-conversion fees which I can use anywhere in the world, off a > deposit account with a decent rate of interest, in a currency which > equals or beats gold. If should also be easy to move funds into and > out of the account, and not require an insane amount of bullshit to > set up. The issuer should also have an 800 number (preferably 24/7) > in order to deal with problems (such as placing a lock on my account > in the event of a stolen card).
I have been informed that all banks in New Zealand issue debit cards but you need to *front up* to get them.
What do you mean by "front up"? (You mean deposit actual funds? Well, that goes without saying for a debit card.)
You can't send funds out of the country "online" either but you can fax the New Zealand banks International payment orders.
If I have a debit-Visa, then that's a moot point.
Here's what I want:
[1] I deposit account in a bank in a nation with a stable currency (i.e., which equals or beats gold in interest RoR).
[2] Issues a debit-Visa card which works flawlessly anywhere Visa is accepted. The issuer's systems would perform conversion on-the-fly with low or no transaction fee (so, for example, if it's NZ account, and I put in twenty bucks US worth of gas into my car in Chicago, not only will the credi-pay pump take the card, but I won't end up looking at a huge surcharge on my statement because I bought something that wasn't NZ-denominated.
[3] Movin' me swag back and forth to, say, Ameritrade, should be as painless as wiring to and fro from a US bank.
Mike.
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