Before starting, just like to say, in over 25 years of using ATM's, this has never happened before. So, It's in no way a regular run of the mill occurrence.
Anyway, here goes. Last Monday, I used a Vietnamese bank ATM to try and withdraw 10,000,000₫ with my Halifax Clarity card. I've withdrawn this amount from this particular ATM in the past without any issue. This occasion however, the machine just spat out the card and gave an error on screen.
I tried to withdraw 5,000,000₫. This time the ATM displayed a different error. Something like 'transaction not allowed'. It was definitely a different message to the first attempt. I tried 5 million again. Same error ‘transaction not allowed'.
The next day I called my card issuer, Halifax Bank. The customer service (CS) agent said he cannot do anything until the transaction has gone through (it was still in the 'pending' state). He said, monitor the account tomorrow, if the transaction appears in recent transactions then give a call back and a dispute can be raised. If it drops off from pending transactions then nothing needs to be done. He checked the account and said the reason for the second and third attempts to be refused was because it would have taken me over the daily limit of £400.
Anyway, the next day I checked the account using the Halifax app and it was showing a transaction for £347 in recent transactions.
Called Halifax again, spoke to a different CS agent, who raised a dispute. He said it will take 7-10 working days to be resolved. He explained that the ATM owning bank has to investigate. I asked if the interest will also be refunded. He said both the transaction amount and interest will be refunded if the ATM bank finds that there was an imbalance.
I was wondering if anyone has experienced similar?..how long did it take for the money to be refunded to your account?