Credit Cards

Stack MC : No ATM Fees, No FTF! NO REFERRALS IN THREAD

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  • Jan 22nd, 2021 10:24 am
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Deal Guru
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Aug 20, 2012
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aznnorth wrote: UPDATE: Contacted Stack. 2 factor authentication is down. NO ETA. Every1 will get an email when fixed. Transfers, e-tsf, etc still work but you may not get the confirmation email or text message. Want balance or transaction info you need to contact Stack customer service. 1877.782.2501
It's fixed.
"This email is to inform you that the issue has been resolved and you are welcome to try and gain access to your STACK app.
We do apologize for the inconvenience this has caused and appreciate your patience.

Feel free to give us a call or chat in if you have any questions or concerns.

Thank you,
Sarah
Member Care Specialist"
If the glove don't fit you must acquit! #WINNING
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Oct 22, 2014
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Is Stack application a hard pull or soft pull?
Sr. Member
Oct 10, 2006
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Go to Alaska soon, any suggestions for free Automated Teller Machine Automated Teller Machine ?
Deal Fanatic
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Oct 3, 2004
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is this old news? for those who signed up for the netflix promo last year. They just cancelled the promo and said they changed their terms of the promo if you do not spend $100 other than the Netflix charge.
Jr. Member
Apr 22, 2010
130 posts
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champ91 wrote: is this old news? for those who signed up for the netflix promo last year. They just cancelled the promo and said they changed their terms of the promo if you do not spend $100 other than the Netflix charge.
I confirmed with them if you spent outside of Netflix promo $100, then it should still work. More discussions here: http://forums.redflagdeals.com/stack-ne ... s-2312182/
Deal Addict
Oct 22, 2014
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We will be traveling to Europe (Vienna, Budapest, Prague etc). How can we take advantage of our Stack card to get FX-fee-free local currency?

Any specific types of ATM's in Europe that's low fee to withdraw?
[OP]
Member
Jan 13, 2002
437 posts
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Toronto
Elfwood wrote: We will be traveling to Europe (Vienna, Budapest, Prague etc). How can we take advantage of our Stack card to get FX-fee-free local currency?

Any specific types of ATM's in Europe that's low fee to withdraw?
Supposedly most of Europe is fee-free as long as you use a real bank's ATM as opposed to private ATMs found in stores, bars etc
Deal Expert
Jan 7, 2002
21451 posts
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Waterloo, ON
fredder wrote: Supposedly most of Europe is fee-free as long as you use a real bank's ATM as opposed to private ATMs found in stores, bars etc
Correct. ATMs will (or should) tell you about any fees before you confirm the transaction. Also ATMs at major banks tend to offer you a choice on languages. Not everyone understands Hungarian well enough to navigate menus in that language ;)

On a related subject, if the ATM offers you the choice to debit your account in local currency or "the convenience" of debiting in CAD, ALWAYS choose local currency (unless you want to pay another 3% to 5% for the "convenience.") Read the prompts carefully. They can be intentionally confusing.
veni, vidi, Visa
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Jan 9, 2011
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Elfwood wrote: We will be traveling to Europe (Vienna, Budapest, Prague etc). How can we take advantage of our Stack card to get FX-fee-free local currency?

Any specific types of ATM's in Europe that's low fee to withdraw?
Every ATM I used with STACK in Budapest was fee-free, except for the one at the airport. Avoid that one.
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Dec 16, 2017
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CND Brain & Hear…
bylo wrote: Correct. ATMs will (or should) tell you about any fees before you confirm the transaction. Also ATMs at major banks tend to offer you a choice on languages. Not everyone understands Hungarian well enough to navigate menus in that language ;)
I feel like almost every ATM/Bank in Europe offers major menu languages.
As for Hungarian.... LOL.
Give me a J. I'm a maniac and an African expert.
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Jul 15, 2009
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Elfwood wrote: We will be traveling to Europe (Vienna, Budapest, Prague etc). How can we take advantage of our Stack card to get FX-fee-free local currency?

Any specific types of ATM's in Europe that's low fee to withdraw?
In Czech Rep, some banks are adding ATM fees and they're hefty, around $8, but most are still free. They will warn you about the fee and allow you to cancel the transaction. Cancel and find another ATM. Avoid Ceska Sporitelna and Moneta. Other banks should be fine but please report here if you find any more that charge a fee. Komercni Banka and Fio Banka are definitely free and definitely take Stack.

In any country, avoid Euronet (often found in airports). Google euronet scam to find out why.

Of course, when given a choice, always choose the local currency amount rather than the CAD amount.
Member
Sep 26, 2011
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bylo wrote: Also ATMs at major banks tend to offer you a choice on languages. Not everyone understands Hungarian well enough to navigate menus in that language ;)
Had a weird experience at bk once with a gift cc upon swiping it the pin pad went french which was odd since it was bought in ontario
Sr. Member
Aug 5, 2018
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Data point:
tokyo japan
narita terminal 1

After you exit (after claiming bags), you most likely are at the south part of terminal 1.
You should see the convenience store Ministop in front of you.

Turn left, you should see the white words "visitor service center".
Image

Go towards it.
Once you are under the sign, turn left, and you should find many ATMs.
(In the 1st picture, you can already see ATMs are located on the left.)

Image
Among them, there will be three 7-11 ATMs.

Insert STACK mastercard, enter pin, choose "credit", then choose 39,000 yen (or some amount that is lower than $500 CAD equivalent).
Then money comes out.

Process takes less than 30 seconds.
The rate charged by stack is less than 0.2% markup compared to rate quoted by google.


Among the many trips I've taken to Japan, this is without a doubt, THE BEST WAY to get yen.
No more waiting for 5 business days with the bank here, and getting a shitty rate.
No more carrying USD cash around Japan, and going to different booths at tourist attractions, trying to find a decent rate.

A no forex USD credit card still comes out ahead, when credit cards are accepted.
But many shops in Japan only accepts cash, so it is a necessity.


We need more datapoints for STACK in different countries.
This card is a must have for travelers.
Deal Addict
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Nov 10, 2005
2024 posts
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Ottawa
xx1what wrote: Data point:
tokyo japan
narita terminal 1

After you exit (after claiming bags), you most likely are at the south part of terminal 1.
You should see the convenience store Ministop in front of you.

Turn left, you should see the white words "visitor service center".
Image

Go towards it.
Once you are under the sign, turn left, and you should find many ATMs.
(In the 1st picture, you can already see ATMs are located on the left.)

Image
Among them, there will be three 7-11 ATMs.

Insert STACK mastercard, enter pin, choose "credit", then choose 39,000 yen (or some amount that is lower than $500 CAD equivalent).
Then money comes out.

Process takes less than 30 seconds.
The rate charged by stack is less than 0.2% markup compared to rate quoted by google.


Among the many trips I've taken to Japan, this is without a doubt, THE BEST WAY to get yen.
No more waiting for 5 business days with the bank here, and getting a shitty rate.
No more carrying USD cash around Japan, and going to different booths at tourist attractions, trying to find a decent rate.

A no forex USD credit card still comes out ahead, when credit cards are accepted.
But many shops in Japan only accepts cash, so it is a necessity.


We need more datapoints for STACK in different countries.
This card is a must have for travelers.
We are going to get this card for our next trip out to Japan. I just learned the 7-11 ATMs do not have fees (silly me). That said, it is interesting that you would carry USD around Japan and not just the Yen. The conversion machines have awful rates.
RFD 15 73H 1337
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Jul 16, 2019
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Does Stack have any inactivity fees?

Or does it stop working if you don't use it for a long time?
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Mar 2, 2011
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Markham
xx1what wrote: Data point:
tokyo japan
narita terminal 1

After you exit (after claiming bags), you most likely are at the south part of terminal 1.
You should see the convenience store Ministop in front of you.

Turn left, you should see the white words "visitor service center".

Go towards it.
Once you are under the sign, turn left, and you should find many ATMs.
(In the 1st picture, you can already see ATMs are located on the left.)

Among them, there will be three 7-11 ATMs.

Insert STACK mastercard, enter pin, choose "credit", then choose 39,000 yen (or some amount that is lower than $500 CAD equivalent).
Then money comes out.

Process takes less than 30 seconds.
The rate charged by stack is less than 0.2% markup compared to rate quoted by google.


Among the many trips I've taken to Japan, this is without a doubt, THE BEST WAY to get yen.
No more waiting for 5 business days with the bank here, and getting a shitty rate.
No more carrying USD cash around Japan, and going to different booths at tourist attractions, trying to find a decent rate.

A no forex USD credit card still comes out ahead, when credit cards are accepted.
But many shops in Japan only accepts cash, so it is a necessity.


We need more datapoints for STACK in different countries.
This card is a must have for travelers.
Thank you for the detailed info. Will get this card, in hope of promotion later on.

Got an asia 4 weeks trip next year with stops at nrt, icn, hkg, sin and tpe. That 2K per month may not be enough. LOL.
Is the monthly limit based on the actual month or the totals taken in the time of a month? TIA.
Will probably need to get another card with no fxf, like BRIM or other card.
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Jan 9, 2011
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Coladdict wrote: Got an asia 4 weeks trip next year with stops at nrt, icn, hkg, sin and tpe. That 2K per month may not be enough. LOL.
Is the monthly limit based on the actual month or the totals taken in the time of a month? TIA.
Will probably need to get another card with no fxf, like BRIM or other card.
The $2k/month limit is on cash withdrawals only. Do you really plan on using that much cash? Credit cards work just fine in the places you'll be traveling in.
Deal Expert
Jan 7, 2002
21451 posts
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Waterloo, ON
someweirdo wrote: Does Stack have any inactivity fees?
None that are mentioned in the Ts and Cs nor that anyone on RFD has been charged.
Or does it stop working if you don't use it for a long time?
Too soon to tell.

But why have the card at all if you don't use it at least once a year or so, say to buy a cup of coffee?
veni, vidi, Visa
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Jul 16, 2019
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bylo wrote: None that are mentioned in the Ts and Cs nor that anyone on RFD has been charged.
Thanks, that's good to know. I'm not a fan of Koho's 90-day $1 inactivity fee.
bylo wrote: Too soon to tell.

But why have the card at all if you don't use it at least once a year or so, say to buy a cup of coffee?
I got it for the $20 signup bonus and I'm keeping it for for it's utility while traveling outside the country, though I expect those trips will be rare.

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