[Tagging] ATMs and cashback

Paul Allen pla16021 at gmail.com
Fri Aug 24 13:15:30 UTC 2018

On Fri, Aug 24, 2018 at 1:44 PM, Philip Barnes <phil at trigpoint.me.uk> wrote:

> On Fri, 2018-08-24 at 14:22 +0200, Martin Koppenhoefer wrote:
> How is this verifiable? Do they write it on the machine what kind of notes
> are contained?
> Certainly not verifiable, sometimes they may give you a choice but not
> always.

Some ATMs do say what notes they MAY dispense.  That was fairly common back
when they switched from dispensing
£5 and £10 to £10 and £20.  Sure, if you go to a £10/£20 machine it may
have run out of £10 notes.  Sure, if you go to
a £5/£10/£20 machine (they do exist) it might have run out of £5 notes.
But most of the time you can get the lower value.
Usually the machine decides, so if you ask for £20 you may not get two x
£10, but some machines will try to give at least
one, and (if your request is high enough) two of the lowest denomination.
Of course, if you really want 2 x £10 you can
make two withdrawals to foil machines that try to dispense the fewest notes.

Certainly it's verifiable.  Try to make a withdrawal of £5 and it will
either tell you it doesn't dispense them or that it
has temporarily run out of them.  This information is useful to know if
you're in a strange place, need (say) £25 cash and
have only £26 in your account.  An ATM that doesn't dispense £5 notes is
not of use to you.  So it's verifiable and possibly
worth mapping.  The problem is, as with much information, is it's somewhat
ephemeral.  Next week there may still be
an ATM there but it no longer dispenses £5.

Cashback is not a misleading name, it is not a cash withdrawal. They add
> extra to your payment and give you the change. It is offered to reduce the
> shops charges for banking cash but is usually more trouble than it is worth
> as the cashier has to write down the transaction number and you then have
> to sign for it.

I've had cashback from several different shops and NONE of them required
the cashier to write down the transaction
number.  It's all done electronically these days.  Sometimes, some shops
require you to sign the shop's copy of
the receipt but that's a policy of the shop to try to minimize people later
claiming they weren't given the cash (it doesn't
really help and the distraction is more likely to cause both parties to
forget to hand over/receive the money).

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