On 2019-02-14 08:28, Martin Koppenhoefer wrote:
> Am Do., 14. Feb. 2019 um 08:19 Uhr schrieb Colin Smale
> <colin.sm...@xs4all.nl>:
>
>> Tagging min and max withdrawals on the ATM is asking for confusion. The
>> normal limits are set by the card issuer,
>
> by the network. Most (?) cards nowadays can use several different networks,
> some atms ask which one you want to use.
The network may have limits for fraud management purposes, but normally
it's the card issuer (bank) who sets the limits. They could actually be
set at the level of the individual card. Some issuers might allow you to
choose your own limits, within certain boundaries, so you can manage
your own exposure.
However if the ATM cannot connect to the card issuer for whatever
reason, stand-in authorisation and limits may kick in at various levels,
or the transaction might be rejected anyway.
Where you are offered a choice of accounts/networks to use, that
information is held on the card itself (in the chip). The chip can be
programmed with multiple "applications" and the terminal is free to
offer a choice where it is able to process more than one.
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