I am abroad doesn’t matter in what country. But I’m not in Europe.

My money finished in my bank account like 3 weeks ago. So i wasn’t using it. I live in a small town and i was getting money from some atm machine. Its the only atm here. Everything was working always

Then recently i got money. I went to get them from atm. On Monday morning person said he sent me money. Dont know when exactly he did it. Well even if he sent them on monday morning (the latest, not on Sunday evening), then money were kinda supposed arrive today evening. Where i am time is 8 hours back. I am in USA timezone. This person who sent it is more in german time zone, but a bit different. And he is not from european union countries

So i went to atm and tried my card yesterday and today many times. And it told me “this service on your card is not enabled”. Which is weird. I think i had moments when i would not have money and i would try to get them, but i dont remember seeing such message with such word phrasing “service not enabled”. I tried many times different amounts and still same thing. But still this could be the message for not having money, maybe i just don’t remember it showed me before.

I wanted to check my online banking on a website or on a Deutsche Bank phone/iPad application . My mobile phone is permanently damaged and there i had activated photoTAN system. I cant enter my bank account from my iPad Deutsche Bank application nor from online banking website. Because they want to be sure its me and they are showing me photo tan to scan. And i can’t set up my iPad to be photoTAN scanner, because they are also asking for some things which i don’t have. I could enter website online banking and scan tan with iPad

I was thinking maybe money didn’t arrive. There was nothing on a card. Maybe even some sorta negative balance for few weeks. I even think maybe my card is blocked for that but this shouldn’t be true. I think negative balance is fine if its not for long and not a lot. I also thought maybe my card is damaged. Its old a bit. But atm could read it. I was entering my password and continuing to try to get money. It didnt tell me card is unreadable.

Then i remembered i have one more card. I made a card for online shopping. Its MasterCard, also from Deutsche Bank. I did it because online shops are asking for a card number when u wanna pay with a card. And on that my rejected card there is no number. There is only IBAN, BIC and stuff (it says girocard ans maestro). And i thought that pin is the same on that other card, but no. And i don’t know where to look for this pin letter. I dont have it with me and im not planning to go back to germany.

Weird thing happened then as well. I thought what if i try to pay with those cards in a shop. I will take something cheap and try to buy it. So i got smth for like 4€ (considering money arrived). I gave him my card. That first one rejected. And his electronic card reader gives a mistake for some reason. He didnt tell me what the mistake was (here people don’t speak English well). There was some lag. And i didn’t even come to me entering a pin

Then i gave him that other master card. It also looks newer and its less dirty. That card worked, it allowed me to enter pin. But i entered it wrong 2 times. I dont know pin from it, i never used this card. And i didn’t want to block this card by entering pin 3 times wrong.

Then the mystery is what’s going on?

Those both debit cards are attached to my bank account. Before i remembered about that second card, I thought maybe money isn’t there. But the way first card simply got rejected on a shop. Why it got rejected and that other card didn’t (if they both are just connected with bank account)? If there is no money, why reject my card like that? I couldn’t even enter pin on it. But second card was working.Anybody any thoughts? What’s wrong?

And what can i do about it? I have my Telefon banking Pin. So i can call bank and ask what’s with my cards.

But what will they do? Lets say 1st card is broken cuz its old and scratchy. Can they send me a new card outside germany? Is it even legal to send cards abroad? Can they send me new pin as well? Can they send me something on some not-mine address which is not in Germany? Can they simply send me here pin from that second master card? If they can’t send me new card.

Anybody understands how it all works? And what’s up with my main card? Wtf does it mean “this service on your card is not enabled”

Also – is it better not to enter pin code wrong 3 times? I think card will be blocked. Should I wait 24 hours and then try again?

But i think it’s ok to try to withdraw money like 5 times in a row, if u entered pin correct

Anyway, waiting for your ideas and thoughts

Edit- i found some 4 digit numbers in notes on my iPad. Maybe it’s pin for my second card. Will try it tomorrow. But i think i should come so it will be 24 h later after i entered pin wrong 2 times

Ohhh maybe that’s why:
My first card is maestro and giro card

https://www.ndr.de/ratgeber/verbraucher/Maestro-Aus-Girocards-im-Ausland-bald-nicht-mehr-nutzbar,maestro122.html

1 comment
  1. /u/mulga122, I have found an error in your post:

    > “~~Its~~ [**It’s**] the only atm”

    I deem the comment by you, mulga122, invalid; it should be “~~Its~~ [**It’s**] the only atm” instead. ‘Its’ is possessive; ‘it’s’ means ‘it is’ or ‘it has’.

    ^(This is an automated bot. I do not intend to shame your mistakes. If you think the errors which I found are incorrect, please contact me through DMs!)

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