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Heads up - Capital One recently switched their Checking Account debit cards to Discover which sucks outside the US
Is Capital One a good bank?
Is Capital One a good bank?
Working at Capital One
Posting this in case my stupidity helps somebody…
I’m currently in Bangkok after arriving here a couple of days ago from the US. I use Capital One for my only checking account and planned to take out money here from ATMs as needed rather than traveling with a bunch of pristine USD and having to exchange it. My research showed that my debit card (a Mastercard at the time) would work without a problem so I thought I was good to go and mentally checked that off the planning list for the trip.
Well… Capital One sent me a new debit card about a week ago and I activated it and replaced the old one without really thinking about it, although they did mention it was changed to a discover card in the paperwork with the card I didn’t make the connection that discover is ass outside the US.
Cue several moments of panic as every ATM at BKK spit out my card with a vague connection error. I eventually made the connection that my new card was a discover network card and ended up heading to the Bangkok Bank branch at Central World to take out some THB using their ATMs which do take discover and took out what is hopefully enough for my whole trip as I’m unsure if I’ll be able to find another ATM in Koh Lanta and Chiang Mai. I do have a few Visa credit cards that I almost ended up using to cash advance but that costs an arm and a leg.
So if you just got a new capital one checking card - heads up that it’s a Discover and don’t rely on it when you head here!