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Entropist
Dec 1, 2007
I'm very stupid.

distortion park posted:

Medoc is a kind of weird region, I've been and it's interesting but not really what I expected. Flat-ish, very intensely cultivated for wine, and dotted with very frequent farm buildings and wine chateaus all mixed up, and basically nothing else.

This turned out to be true in the east along the estuary, but not in the west along the Atlantic where our campsite was at. The seaside was much like the Dutch or Danish one, but at a larger scale. No wineries there, just sand dunes and forested dunes and swamp and some big shallow freshwater lakes. It was quite nice for hiking and cycling and canooing and such. It was also a German colony, just like the Dutch/Danish coast.

The vineyards only appeared after crossing the D1215 basically, which is only a relatively small eastern edge of the Medoc natural park.

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Bollock Monkey
Jan 21, 2007

The Almighty

Qubee posted:

I'm only taking a backpack with me, and I have a 10kg allowance. It's a 7 day trip, so I plan on taking 14 pairs of underwear so that I can poo poo myself twice a day. But more seriously, I'll take 4 pairs of underwear, 4 shirts, 2 flannel shirts, 2 jeans, a pair of tracksuit bottoms, socks and a toothbrush.

Feeling oddly apprehensive and anxious as I've not travelled in three years.

Toothpaste to go with toothbrush.

Deodorant, other toiletries you need...
Sun cream, unless you buy once you land.

I'd definitely want more than 2 shirts for a week. Also Rome and Sorrento get pretty hot in September so make sure your clothes are appropriate for warm weather! High 20s (Celcius) should be expected.

A waterproof layer is always a smart thing to take.

Painkillers can be useful as often you can only buy them in pharmacies in Europe, and you might not find one easily/it might have inconvenient opening hours.

Plug converters, as someone else said.

With a 10kg limit, I'd consider grabbing some packing cubes so you can pack really effectively and add the extra bits.

Rojkir
Jun 26, 2007

WARNING:I AM A FASCIST PIECE OF SHIT.
Police beatings get me hard
Or just buy a European USB charger at the airport or trainstation or whatever.

edit: I'm mainly saying this because in Italy its very common to have narrow (so not round) wall ports that not all travel adapters will fit.
https://anamericaninrome.com/2010/10/the-problem-with-italian-plugs/

Rojkir fucked around with this message at 15:30 on Aug 30, 2023

Fruits of the sea
Dec 1, 2010

If you're moving around a lot, the lazy solution is to only take 2 pairs of pants, half the shirts and cram it into a carry on. For those kinds of trips I like to buy a cheap shirt or two there, which I'll discard at the end of the trip. Instead of shaving kit (may not be applicable to you) I stop at a barber halfway when I find one.

ymmv, if you don't travel often it may feel like it's less of a hassle to just check a suitcase.

Fruits of the sea fucked around with this message at 15:40 on Aug 30, 2023

Saladman
Jan 12, 2010

Rojkir posted:

Or just buy a European USB charger at the airport or trainstation or whatever.

edit: I'm mainly saying this because in Italy its very common to have narrow (so not round) wall ports that not all travel adapters will fit.
https://anamericaninrome.com/2010/10/the-problem-with-italian-plugs/

For the poster going to Italy (and anyone else on this issue), what you want to look for is a "Europlug" (Type C) adapter. This will work anywhere in Europe besides Ireland and the UK (edit: and Malta and Cyprus), even in countries with weird plugs like Switzerland, Italy, and Denmark.

Every "multi-country" travel adapter I've ever seen uses EuroPlug, but single-plug adapters sold for "Europe" often get you the fatter ones that won't work in Italy and Switzerland, and very occasionally in other European countries if you go to a hotel or house that hasn't had its sockets updated since like 1970.


Unless you're travelling with a blender or iron or something that draws a lot of power, in which case the difference could theoretically matter. Probably an iron is not on your packing list.

Saladman fucked around with this message at 19:23 on Aug 30, 2023

Qubee
May 31, 2013




code:
---------------------------------------------------------
                      TRIP ITINERARY
                Rome, Naples & Amalfi Adventure
---------------------------------------------------------

**Day 1: Arrival in Rome**
- Arrival at FCO airport at 11:50pm.
- Head straight to your accommodation and rest for the night.

**Day 2: Exploring Rome**
- Morning: Breakfast at your Rome accommodation.
- Visit the Colosseum and Roman Forum.
- Afternoon: Explore the Pantheon and Piazza Navona.
- Evening: Visit the Trevi Fountain and have dinner at a nearby restaurant.

**Day 3: Vatican and Trastevere**
- Morning: Explore the Vatican Museums and Sistine Chapel.
- Afternoon: Visit St. Peter's Basilica and Dome.
- Evening: Dinner in the charming Trastevere neighborhood.

**Day 4: Departure to Quissiana**
- Morning: Check out of your Rome accommodation.
- Early afternoon: Depart for Quissiana.
- Evening: Arrive at your accommodation in Quissiana and relax.

**Day 5: Exploring Pompeii and Amalfi Coast**
- Morning: Visit Pompeii and explore its ancient ruins.
- Afternoon: Explore the picturesque Amalfi Coast, stopping at notable spots.
- Return to your Quissiana accommodation in the evening.

**Day 6: Island of Capri**
- Day Trip: Visit the enchanting island of Capri.
- Explore the island's natural beauty, taking in stunning views.
- Return to your Quissiana accommodation in the evening.

**Day 7: Return to Accommodation near FCO Airport**
- Morning: Check out of your Quissiana accommodation.
- Late afternoon: Return to accommodation near FCO airport.
- Explore the nearby area and relax before your departure.

**Day 8: Departure**
- Morning: Check out of your accommodation near FCO airport.
- Head to the airport for your flight at 11am.

---------------------------------------------------------
                  RESTAURANT RECOMMENDATIONS
---------------------------------------------------------

**Day 2: Rome**
- Lunch: Trattoria Luzzi near Colosseum.
- Dinner: Da Francesco in Trastevere.

**Day 3: Rome**
- Lunch: Ristorante da Pancrazio for artichokes.
- Dinner: Roscioli for modern Roman cuisine.

**Day 4: Naples**
- Dinner: L'Antica Pizzeria da Michele for Neapolitan pizza.

**Day 5: Naples**
- Lunch: Ristorante Le Nereidi in Positano.
- Dinner: Sorbillo for authentic Neapolitan pizza.

**Day 6: Naples**
- Lunch: Enjoy a meal on Capri Island.
- Dinner: Sample local cuisine in Quissiana.

---------------------------------------------------------
          ADDITIONAL MEMORABLE EXPERIENCES
---------------------------------------------------------

**Rome:**
- Sunrise at St. Peter's Basilica.
- Evening walks in historic neighborhoods.
- Food tours to discover local eateries.
- Gianicolo Hill for nighttime views.

**Naples:**
- Visit Mount Vesuvius for hiking and views.
- Limoncello tasting and lemon orchard visits.
- Boat tour along the coastline.
- Explore underground Naples.

**Quissiana and Surroundings:**
- Take in the tranquility of Quissiana and its picturesque surroundings.
- Explore Sorrento's charm and the beauty of the Amalfi Coast.
This ChatGPT itinerary thingy is quite good. Give any feedback you think could make for a better trip. I'm not going to go to Naples, though I might stop on my way back to my outbound flight to grab a proper Napoli pizza. I think 2 days in Rome is enough for me, I'll probably feel very drained after just due to how crowded and hectic it is. I'll spend the 4 days in Sorrento just lazing about and enjoying good food, with a detour to check out a guided tour of Pompei and one boat tour around the coast to see Amalfi and Capri island.

Qubee fucked around with this message at 21:15 on Aug 30, 2023

Saladman
Jan 12, 2010
Yeah that sounds solid. The restaurants are probably fake but anyway it’s Italy so just pick wherever and double check to make sure it’s at least a 4.0 on google reviews.

For Vatican museum, buy your tickets now. Also Roman forum, I forget if you can buy those online now but you’ll want to if you can, but for Vatican museum it’s required to do it in advance, unless you enjoy standing in Disneyland lines.

Qubee
May 31, 2013




I went from anxious to excited. I'm ignoring the restaurant section, I just use Google Maps to find nearby restaurants with good ratings whenever I'm in a new place.

Thanks to everyone for all the advice, tips and guidance! I have an illogical fear about these pickpockets I hear a lot about. It'll be like literally any other major city I've visited so I don't know why I feel like these Italian pickpockets employ ninjutsu to teleport my belongings outside of their secure surroundings. As long as I'm not an idiot and don't get distracted, I'll be fine. I'm most self conscious about the parts of my trip where I'm travelling from one place to another, as I'll have my backpack with my. But I'll just swing that down to my front to keep an eye on it.

Saladman
Jan 12, 2010
If you’re a man - or a woman who somehow found women’s pants that have not-tiny pockets - then pickpockets are really not an issue. I’ve heard of the strategy where a bunch of people swarm you or someone pretends to drop something in front of you or whatever to distract you, but it’s not super common, and if your wallet and phone are in your front pocket it would be super hard to steal. Doubt anyone will go after a guy’s daypack as it’s likely to just have a sandwich and a bottle of water in it. It’s more of an issue for women with handbags (which contain valuables, unlike daypacks) and phones that don’t hardly fit in pockets.

No one carries cash anymore and phones are fairly hard to resell, so I think anyway pickpockets are a dying breed. I guess contactless has raised the risk a bit.

My grandfather was pickpocketed several times in the 80s in Paris, but he always had a huge fat wallet that was like 60% hanging out of his back pocket, which even as a kid I thought was dumb and looked absurdly easy to steal.

It can happen but theft in Europe is generally of unattended belongings. So when going from place to place definitely keep a good eye on your stuff.

Judgy Fucker
Mar 24, 2006

When I travel in Europe I keep my wallet in one of my front pockets with my hand on the wallet, in my pocket, while in crowded conditions. If they can get my wallet from me with my hand on it, they can have it.

My father got pickpocketed on the Paris Metro back in the '90s, took his cash and threw the wallet in the trash. Police found it sitting right there on the pile of garbage, all his credit cards and IDs intact, just money gone.

mmkay
Oct 21, 2010

Qubee posted:

code:
---------------------------------------------------------
                      TRIP ITINERARY
                Rome, Naples & Amalfi Adventure
---------------------------------------------------------

**Day 1: Arrival in Rome**
- Arrival at FCO airport at 11:50pm.
- Head straight to your accommodation and rest for the night.

**Day 2: Exploring Rome**
- Morning: Breakfast at your Rome accommodation.
- Visit the Colosseum and Roman Forum.
- Afternoon: Explore the Pantheon and Piazza Navona.
- Evening: Visit the Trevi Fountain and have dinner at a nearby restaurant.

**Day 3: Vatican and Trastevere**
- Morning: Explore the Vatican Museums and Sistine Chapel.
- Afternoon: Visit St. Peter's Basilica and Dome.
- Evening: Dinner in the charming Trastevere neighborhood.

**Day 4: Departure to Quissiana**
- Morning: Check out of your Rome accommodation.
- Early afternoon: Depart for Quissiana.
- Evening: Arrive at your accommodation in Quissiana and relax.

**Day 5: Exploring Pompeii and Amalfi Coast**
- Morning: Visit Pompeii and explore its ancient ruins.
- Afternoon: Explore the picturesque Amalfi Coast, stopping at notable spots.
- Return to your Quissiana accommodation in the evening.

**Day 6: Island of Capri**
- Day Trip: Visit the enchanting island of Capri.
- Explore the island's natural beauty, taking in stunning views.
- Return to your Quissiana accommodation in the evening.

**Day 7: Return to Accommodation near FCO Airport**
- Morning: Check out of your Quissiana accommodation.
- Late afternoon: Return to accommodation near FCO airport.
- Explore the nearby area and relax before your departure.

**Day 8: Departure**
- Morning: Check out of your accommodation near FCO airport.
- Head to the airport for your flight at 11am.

---------------------------------------------------------
                  RESTAURANT RECOMMENDATIONS
---------------------------------------------------------

**Day 2: Rome**
- Lunch: Trattoria Luzzi near Colosseum.
- Dinner: Da Francesco in Trastevere.

**Day 3: Rome**
- Lunch: Ristorante da Pancrazio for artichokes.
- Dinner: Roscioli for modern Roman cuisine.

**Day 4: Naples**
- Dinner: L'Antica Pizzeria da Michele for Neapolitan pizza.

**Day 5: Naples**
- Lunch: Ristorante Le Nereidi in Positano.
- Dinner: Sorbillo for authentic Neapolitan pizza.

**Day 6: Naples**
- Lunch: Enjoy a meal on Capri Island.
- Dinner: Sample local cuisine in Quissiana.

---------------------------------------------------------
          ADDITIONAL MEMORABLE EXPERIENCES
---------------------------------------------------------

**Rome:**
- Sunrise at St. Peter's Basilica.
- Evening walks in historic neighborhoods.
- Food tours to discover local eateries.
- Gianicolo Hill for nighttime views.

**Naples:**
- Visit Mount Vesuvius for hiking and views.
- Limoncello tasting and lemon orchard visits.
- Boat tour along the coastline.
- Explore underground Naples.

**Quissiana and Surroundings:**
- Take in the tranquility of Quissiana and its picturesque surroundings.
- Explore Sorrento's charm and the beauty of the Amalfi Coast.
This ChatGPT itinerary thingy is quite good. Give any feedback you think could make for a better trip. I'm not going to go to Naples, though I might stop on my way back to my outbound flight to grab a proper Napoli pizza. I think 2 days in Rome is enough for me, I'll probably feel very drained after just due to how crowded and hectic it is. I'll spend the 4 days in Sorrento just lazing about and enjoying good food, with a detour to check out a guided tour of Pompei and one boat tour around the coast to see Amalfi and Capri island.
Can only comment on the Rome part - looks realistic IMO - my only alternative is to potentially swap Trastevere with Piazza Venezia or to chill out at the Borghese gardens.

Edit: also since you're going to be there for 3 days, you can grab a 72 hour Roma Pass for public transport and some museum discounts.

mmkay fucked around with this message at 23:00 on Aug 30, 2023

Carbon dioxide
Oct 9, 2012

I heard that in Brazil a new fancy way of "pickpocketing" is coming up, where someone just sweeps a preprogrammed contactless payment device along everyone's pocket and charges whatever is the max value without verification.

Wonder when that'll make its way into Europe.

greazeball
Feb 4, 2003



Doesn't a PIN defeat that?

mmkay
Oct 21, 2010

Contactless doesn't require PIN up to a certain amount.

kiimo
Jul 24, 2003

Sounds like I need to set a limit on that before I go to LATAM next month

distortion park
Apr 25, 2011


Saladman posted:

Yeah that sounds solid. The restaurants are probably fake but anyway it’s Italy so just pick wherever and double check to make sure it’s at least a 4.0 on google reviews.

For Vatican museum, buy your tickets now. Also Roman forum, I forget if you can buy those online now but you’ll want to if you can, but for Vatican museum it’s required to do it in advance, unless you enjoy standing in Disneyland lines.

Just don't be like me and buy the Roman Forum only tickets, without an entry to the coliseum! I didn't mind but my travelling companion did.



kiimo posted:

Sounds like I need to set a limit on that before I go to LATAM next month

If you're really worried just get a Wise (or any of the other modern debit card issuers) account and you can have lots of control via the app

distortion park
Apr 25, 2011


Just realised I should turn off the magnetic stripe option!

webmeister
Jan 31, 2007

The answer is, mate, because I want to do you slowly. There has to be a bit of sport in this for all of us. In the psychological battle stakes, we are stripped down and ready to go. I want to see those ashen-faced performances; I want more of them. I want to be encouraged. I want to see you squirm.
I think there’s wallets you can get that have some sort of protection against remote activation like that?

I’d add to the snatch & grab thing, don’t leave your phone sitting on the table while you eat at an outdoor table. I’ve seen people either just run up and grab it, or steal it subtly like holding a menu or petition over it, then using their hidden bottom hand to swipe the phone while you’re momentarily distracted.

Doll House Ghost
Jun 18, 2011



Yeah, RFID blocking wallets. I think a lot of wallet manufacturers started marketing their wallets as RFID blocking when tap and pay cards became prevalent here.

I think you'd need to be real close to someone's credit card for that scheme anyway. Like, uncomfortably so. Maybe in a super crowded metro? Only place someone tried to pickpocket me (at least the only one I've noticed) was in metro in Mexico City. A guy came standing right next to me, holding a coat over his arm and sort of awkwardly draped it over my purse. I just moved away and stared at him lol.

Doll House Ghost fucked around with this message at 21:35 on Aug 31, 2023

Entropist
Dec 1, 2007
I'm very stupid.
I'm surprised it's happening only now. I was very concerned about this when contactless payment first became a thing, and refused a card with the feature as long as possible until the bank forced it upon me.

Chewbecca
Feb 13, 2005

Just chillin' : )
You also need to disable 'tap and go' (e.g. Google Pay) on your phone, or only have it enabled when the phone is unlocked. I have seen footage on YouTube (perhaps staged but who knows) of people scanning people's phones as they walk past. You're more likely to have your phone in your hand as you walk around than a payment card.

I made sure both my cards and passport were in RFID protected wallets, and that google pay was disabled on my phone before travelling

Saladman
Jan 12, 2010
I'm sure those are real but OTOH I've never actually heard of it happening to someone I know IRL. If you don't take those metros where they use people-packers to shove you in next to each other it's probably fine.

Also my "wallet" is just a hairband double-looped around 6 or so cards, and I can say from experience that contactless does not actually work if I just stick that stack of cards on a card reader, even if the bottom (or top card) is my contactless. I have to separate it out when I want to pay, otherwise the contactless terminal freaks out as it tries to interface with like 4 cards simultaneously.

If it does ever happen to me then I guess I will see a mystery CHF50 charge on my bank statement a month later and be like "dang, I should get one of those metal wallets, that was a good 56 dollar lesson". Until that happens I'm going to stick with the hairband.

The phone thing doesn't make sense to me, Apple Wallet is not at all readable by someone walking around unless you've specifically activated it. Maybe Mossad has some way to do it, but it's absolutely not a thing a petty street criminal could do. Or at least, Apple Wallet doesn't work unless the phone is unlocked, at least. Does Google Pay? That seems like it would be dumb.

Busy Bee
Jul 13, 2004
Reminds me of this https://www.reddit.com/r/maybemaybemaybe/comments/r0c6x7/maybe_maybe_maybe/

Chewbecca
Feb 13, 2005

Just chillin' : )
I mean look, everything is only an outside chance, and it was probably overkill, but my paranoid rear end would prefer to remove all doubt

Carbon dioxide
Oct 9, 2012

The tap in terminals at Dutch train stations were recently upgraded to allow contactless bank cards (before that you could only use dedicated public transit cards for them).

Apparently this actually caused some trouble for people who just tap their entire wallet against the thing.

I think the bank card sometimes took preference for some reason and if you got a transit card with a reduced price for certain journeys, well, the reduced price won't apply to your bank card.

Julio Cruz
May 19, 2006
coming from a country where contactless is the norm, good luck getting it to work from a distance of more than a few cm and through multiple layers of clothing

also most if not all contactless readers beep when they've read your card

all in all I'm sure someone somewhere's tried it but I don't think it's particularly worth worrying about

Qubee
May 31, 2013




I have a currency conversion / how to spend my money abroad question and would appreciate seasoned big spenders giving me their advice.

Guy Axlerod
Dec 29, 2008
Get a credit card/ATM card without international fees.

Busy Bee
Jul 13, 2004
Depending on how much you are expecting to spend, when your travel is, your credit score, and who you already bank with, might be worth it to sign up for a premium credit card with no foreign transaction fee to get the sign up bonus. This is a good thread - https://forums.somethingawful.com/showthread.php?threadid=3679537

WithoutTheFezOn
Aug 28, 2005
Oh no
CCs in the US without foreign transaction fees: Chase Visas, CapitalOne cards, Discover but lol at Discover in Europe, some BoA cards (but oddly enough, not their World Traveller card).

Easy way to quit worrying about cash fees - open a Charles Schwab Investor Checking account and carry their debit card. No minimum balance, no foreign transaction fees, they’ll reimburse you for ATM fees at the end of each month, and as a little bonus your balance earns about 0.5% interest.

Saladman
Jan 12, 2010
If you’re travelling for Italy for 10 days and this is your first overseas trip since 2019, then it’s probably not worth dealing with minmaxing credit cards for what will sum up to maybe $25 over your entire stay, unless you expect to travel more frequently in the future.

But in case it’s not a rare one off, just check with your bank to see what their best options are for international travelers. US banks tend to have really good options for clients (in stark contrast to Europe, where all banks are poo poo), even including small regional banks. My US bank account is for a fairly small, landlocked, flyover country state bank and their card is so much better than any of the garbage they offer in Europe that I’ll occasionally transfer a few grand from my EU account to my US account, and then I use that card for withdrawals and etc when outside of EU-Schengen areas. It’s even free, I just had to ask. In Europe they have garbage traveller cards and they charge you like €200 a year for the privilege of eating their poo poo.

The US is generally way, way ahead of Europe for client-friendly banks, and like a billion times better for credit card-client relationships.

greazeball
Feb 4, 2003



I use Revolut which is a UK based bank that does a pre-paid card with no fees or commission on Forex transactions. I don't trust them enough to like really bank with them, I only use the pre-paid card, but I've spent thousands through it by now and use it to receive money from abroad too and transfer it to my local account without fees.

They're offering me €100 for anyone I can get to open an account and do 3 transactions or something by 12 September so I'll split that with anyone who thinks the card will be of use to them. PM me if you've got questions or if you want the referral link cos I don't want to crap up the thread shilling for my bank.

mobby_6kl
Aug 9, 2009

by Fluffdaddy
Thanks for the Veneto recommendations. I got back earlier this week, it owned. The last two days rained so we decided not to do the Garda trip as it wouldn't really be enjoyable.

One fun surprise was the airport bus, my slightly out of date guidebook said the city bus is 1EUR and express is 3, but they were all 10EUR lmao. In retrospect we should've taken the boat directly to Venice as it stops near Celestia where the hotel was located.

Saladman posted:

If you’re travelling for Italy for 10 days and this is your first overseas trip since 2019, then it’s probably not worth dealing with minmaxing credit cards for what will sum up to maybe $25 over your entire stay, unless you expect to travel more frequently in the future.

But in case it’s not a rare one off, just check with your bank to see what their best options are for international travelers. US banks tend to have really good options for clients (in stark contrast to Europe, where all banks are poo poo), even including small regional banks. My US bank account is for a fairly small, landlocked, flyover country state bank and their card is so much better than any of the garbage they offer in Europe that I’ll occasionally transfer a few grand from my EU account to my US account, and then I use that card for withdrawals and etc when outside of EU-Schengen areas. It’s even free, I just had to ask. In Europe they have garbage traveller cards and they charge you like €200 a year for the privilege of eating their poo poo.

The US is generally way, way ahead of Europe for client-friendly banks, and like a billion times better for credit card-client relationships.
:dafuq:

I only ever hear complaints about how US banks are loving over customers with fake accounts, overdraft fees, account fees, poo poo service and all that. My Raiffeisen account is free, has good online banking and app, the cards have free international ATM withdrawals and exchange rates that basically similar to what Revolut offers. The only downside is that credit card benefits are usually not as good as in the US (with airline miles or car insurance or whatever) but they refund like 2% of spending back or so.

Saladman
Jan 12, 2010

mobby_6kl posted:

I only ever hear complaints about how US banks are loving over customers with fake accounts, overdraft fees, account fees, poo poo service and all that. My Raiffeisen account is free, has good online banking and app, the cards have free international ATM withdrawals and exchange rates that basically similar to what Revolut offers. The only downside is that credit card benefits are usually not as good as in the US (with airline miles or car insurance or whatever) but they refund like 2% of spending back or so.

My US bank charges me nothing, has no minimum balance, doesn't care that I don't live in the country, and has been super easy to deal with every time there is a problem, and my card there has no ATM fees, uses so close to the forex rate that I don't think there is any surcharge, and it even refunds any ATM fees charged by the ATM itself, so I don't even have to gaf about which ATM I use when I'm travelling or deal with always withdrawing the maximum amount to avoid per-withdrawal fees.

Conversely my Credit Suisse card charges me $120 a year to use it, charges $400/year if I moved abroad and wanted to continue to use the account, it has no free withdrawals, charges $1 per credit card use while abroad (not including Eurozone, but including e.g. pre-Euro Croatia last summer) + something like a 2.5% transaction fee, and the ATM card charges $3 on top of whatever fees are charged by the foreign ATM. My wife's Raiffeisen card is slightly less lovely but still pretty bad - but I think Raiffaisen is a totally different bank in each country. Also I just mailed in my documents literally yesterday to close my account after having had it since 2009. Now I have a BNP account which is marginally less lovely. Many banks in Europe also won't open accounts for US citizens (including dual, although there's no actual penalty for lying-by-omission) so my options are also really limited if I don't want to put 50k or more into the account as a minimum balance.

The US bank is so good that I've never really bothered looking at Revolut, but I absolutely would if I were not a US citizen.

Also at one point I found out that I had like $1500 on cashback on my US credit card which was totally out of the blue and a nice bonus for a card I don't even use all that much. Cashback and bonuses for European cards are lol, if they even exist. I had one before that I think was literally something like 0.05% as I had a bonus of like 40 CHF after literally 10 years of using the card.

E: US banks and credit cards are terrible if you overdraft yourself and are on credit card debt, but if you're not financially insolvent they are way better in every way. Definitely on account fees they do not have any as far as I have ever heard or experienced, unlike Swiss banks which all have account fees, with minor exceptions like those under age 25 and people at Post Bank without credit cards. They definitely all charge you if you want a credit card - which you'll need to like, buy a plane ticket, although now that V-Pay and Maestro are dead maybe that has changed. Swiss banks might be the loving worst, no idea how EU banks are.

Saladman fucked around with this message at 21:23 on Sep 2, 2023

Honj Steak
May 31, 2013

Hi there.
The reason why some banks seem poo poo and expensive and others are good and cheap is usually down to the question whether the bank maintains walk-in locations. For the terminally online population it is probably useless to be able to talk to a service person face-to-face, so for them a cheap internet-only bank is the obvious choice.

In Switzerland there might also be a decent amount of protectionist laws going on, allowing the banks to charge you more because there is no cheap competition.

Jean-Paul Shartre
Jan 16, 2015

this sentence no verb


Honj Steak posted:

The reason why some banks seem poo poo and expensive and others are good and cheap is usually down to the question whether the bank maintains walk-in locations. For the terminally online population it is probably useless to be able to talk to a service person face-to-face, so for them a cheap internet-only bank is the obvious choice.

In Switzerland there might also be a decent amount of protectionist laws going on, allowing the banks to charge you more because there is no cheap competition.

There are somewhat decent banks in Switzerland, but there are only two banks in Switzerland willing to deal with the bullshit of baking for US citizens (private banks for the wealthy aside), and both of them hate you, specifically, and clients in general.

Qubee
May 31, 2013




I paid £150 for my schengen visa and I was only given six months. I'm so gutted lmao, especially since I have a British passport and am only doing this visa silliness for formalities and to keep my backwards-rear end GCC country calm instead of digging into my dual nationality. God drat.

Saladman
Jan 12, 2010

Jean-Paul Shartre posted:

There are somewhat decent banks in Switzerland, but there are only two banks in Switzerland willing to deal with the bullshit of baking for US citizens (private banks for the wealthy aside), and both of them hate you, specifically, and clients in general.

Yeah this may be my main issue. I didn’t shop around much because almost all small and midsized banks say they won’t accept American clients, except the biggest of the biggest multinationals, and I’m not going to hide having US citizenship when opening a bank account.

Hurray FATCA.

Although most midsized banks will open accounts for Americans if it’s related to a large loan like a mortgage (or for HNWIs, obviously). IIRC several had cutoffs of like, CHF500k minimum deposit or mortgage, which would cover pretty much every residence in Switzerland.

Honj Steak posted:

The reason why some banks seem poo poo and expensive and others are good and cheap is usually down to the question whether the bank maintains walk-in locations. For the terminally online population it is probably useless to be able to talk to a service person face-to-face, so for them a cheap internet-only bank is the obvious choice.

In Switzerland there might also be a decent amount of protectionist laws going on, allowing the banks to charge you more because there is no cheap competition.

For business clients that deal with cashflow that would definitely make sense as a significant benefit. Maybe there's just not a lot of consumer-focused banking in Switzerland, or at least not that's open to Americans. I think I've been into physical bank branches like five times in the past fifteen years. I can only remember going into a bank twice for reasons other than setting up new accounts or setting up our mortgage, both times to withdraw cash amounts beyond the daily ATM limit. An increasing number of Europeans I know now have a Revolut account. Not sure why being "terminally online" would be relevant. I'm not terminally online (and doubt many T&T posters are) but I'd definitely rather do my banking from my laptop than have to go into some bank branch and deal with it.

Saladman fucked around with this message at 15:47 on Sep 3, 2023

Ferdinand Bardamu
Apr 30, 2013
I had a lot of issues finding a bank to open an account with in Bolzano. The reason the banks usually gave me was FATCA.

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Honj Steak
May 31, 2013

Hi there.

Saladman posted:

[…]An increasing number of Europeans I know now have a Revolut account. Not sure why being "terminally online" would be relevant. I'm not terminally online (and doubt many T&T posters are) but I'd definitely rather do my banking from my laptop than have to go into some bank branch and deal with it.

I apologise, the term I used was stupid hyperbole. In fact, it’s actually the other extreme: for private individuals, it’s tech-illiterate people that rely on in-person banking. For those it makes sense to pay more for the ability to walk up to a counter.

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