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Hi,
I am in the uk and am with lloyds tsb. I have purchased open home from the android market. I have looked into my bank statement and i have been charged a £1 overseas charge. does anyone else have this and know of a way to get around it? (like putting some funds into my google checkout account?)
Chris
wardy277 said:
Hi,
I am in the uk and am with lloyds tsb. I have purchased open home from the android market. I have looked into my bank statement and i have been charged a £1 overseas charge. does anyone else have this and know of a way to get around it? (like putting some funds into my google checkout account?)
Chris
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Were you charged by Google or by your bank?
I get the same, its a bank charge levied by Lloyds to customers who dont have a "premium account" which you have to pay a monthly fee for.
Basically when working out what I'm paying for a market app I have to decide if it's worth £1 over and above the listed market price, not ideal.
Thats crazy, so its my bank. Why cant they do what paypal does. that never charges me. That really puts me off buying American apps.
Chris
Just move to america. Everyone else does.
Or open an account with a bank that doesn't take the piss out of you?
Kinda annoying but I bought an app for $0.99 which is a cheap app when converted to GBP but I checked my bank and I was charged a overseas fees of £1.00 which kind of makes the app expensive now. Just wondering why google checkout doesn't do what the itunes marketplace does and do specific currency conversion for each region so that these fees don't happen. It's just so annoying because this was the first paid app I've bought and now I don't think I'm gonna be buying anymore until google do specific region currency conversions on google checkout!
ahh rant over.....
Anyone else had this problem?
TheMaverick said:
Kinda annoying but I bought an app for $0.99 which is a cheap app when converted to GBP but I checked my bank and I was charged a overseas fees of £1.00 which kind of makes the app expensive now. Just wondering why google checkout doesn't do what the itunes marketplace does and do specific currency conversion for each region so that these fees don't happen. It's just so annoying because this was the first paid app I've bought and now I don't think I'm gonna be buying anymore until google do specific region currency conversions on google checkout!
ahh rant over.....
Anyone else had this problem?
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Credit cards usually charge a fraction of this, like 2-4% of the conversion, many do so without any minimum fee. If you have a CC link it to Google checkout, if you have a bunch call CS and find their rates or go online (I know it's work, but it'll allow you to get more apps that'll enhance your experience.)
I can't suggest anything else, maybe someone more knowledgeable can chime in, or try Googling.
This is one reason why we need to see a dedicated app or in browser android marketplace with prices converted before hand to stop stuff like this happening.
My brother was telling me the other day how his bank is charging him $1+2% on every foreign transaction, then I told him my bank only charged me 2.5% flat. Maybe changing banks is a quick solution. =p
I do agree Google should do something about this as is just discourages people from using the market.
but that fee is not charged by google market.
it is a fee your back charges you for the money conversion service, just like when i use PayPal
there is no way and it's also not google's market place job to show you those fees, as each bank has their own fee, and those fees changes frecuently, it'll be insane to keep track of the fees of all the bank for all the servers, for all over the world.
TheMaverick said:
Kinda annoying but I bought an app for $0.99 which is a cheap app when converted to GBP but I checked my bank and I was charged a overseas fees of £1.00 which kind of makes the app expensive now. Just wondering why google checkout doesn't do what the itunes marketplace does and do specific currency conversion for each region so that these fees don't happen. It's just so annoying because this was the first paid app I've bought and now I don't think I'm gonna be buying anymore until google do specific region currency conversions on google checkout!
ahh rant over.....
Anyone else had this problem?
Click to expand...
Click to collapse
No it's not Google's place to display credit card fee's, but it would be a minor change to display prices in your local currency and charge you that rather than paying in Yen, USD, etc and being charged for it.
It's ridiculous I was charged £1.25 for an appl that cost £3.23... Google are big enough to be able to turn checkout into something similar to Paypal. I'll not be buying anything else from the market if this means my bank are going to charge me for doing so. Bottom line is there are no options on Google checkout it sucks..
This is rather annoying for me too, I wish I could buy bulk vouchers of some sort, or pre-load money so I could buy several apps in one transaction.
bushrat said:
My brother was telling me the other day how his bank is charging him $1+2% on every foreign transaction, then I told him my bank only charged me 2.5% flat. Maybe changing banks is a quick solution. =p
I do agree Google should do something about this as is just discourages people from using the market.
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Normally I would say "Which bank?" but it's obviously not Commonwealth Bank.
Care to share?
Tachikoma_kun said:
No it's not Google's place to display credit card fee's, but it would be a minor change to display prices in your local currency and charge you that rather than paying in Yen, USD, etc and being charged for it.
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Plug, shameless (but I'm not their shill): use AppBrain to browse apps to buy, change the currency selection at bottom of page from "Original currency" to your local currency (but note below). While you're at it, you may wish to install the AppBrain App Market and Fast Web Installer apps from the Market to easily sync your desktop selection with your phone.
About Google doing currency conversions right in the market app: That would be easy (simple API call to their own or any other reputable currency converter) but the price will only be an indication.
It is NOT possible to show you the grand total (the bottom line on your bill) in your currency, as that would need to include any extra charges your bank will add for international transfers etc., which Google doesn't (want to) know, as previous posters pointed out.
If you have a CC linked to Google Checkout, you will receive an email immediately after validation of a purchase which shows the total amount your CC will be charged.
Just FYI, simply converting the currency does not take away the overseas charge.
Becoming a customer of real proper bank (or credit card provider) is the only solution to make it go away.
Yep.. this may be helpful, if you're in the UK:
http://www.moneysavingexpert.com/travel/overseas-card-charges
Debit cards from Abbey, Halifax, Intelligent Finance, Lloyds TSB, NatWest and RBS all charge a per-transaction fee for foreign currency transactions. Credit cards all charge no more than 3% transaction fee, so are a better bet if you have one.
There are rumors of Google adding PayPal support to android:
bloomberg.com/news/2010-08-13/paypal-said-to-be-in-talks-with-google-about-handling-android-payments.html
Hope this is for real, it would be a really good solution to overseas charge problem.
rogo-1 said:
There are rumors of Google adding PayPal support to android:
bloomberg.com/news/2010-08-13/paypal-said-to-be-in-talks-with-google-about-handling-android-payments.html
Hope this is for real, it would be a really good solution to overseas charge problem.
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PayPal charges even more Transaction fee
is like jumping from one fire to another fire
LOL
you can't get away from Transaction fees, that is how they make money.
just get on with it.
AllGamer said:
PayPal charges even more Transaction fee
is like jumping from one fire to another fire
LOL
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There are no fees for online purchases. I've been paying with PayPal on Ebay and other sites for ages - buying stuff from China, Europe and USA. Never paid a cent of fees.
It doesn't mean they make Android Market purchases free of charge as well, but one can hope
i use paypal every day, and every time there is money conversion involved, they charge a transaction fee
What do you use it for? Selling or buying?
rogo-1 said:
What do you use it for? Selling or buying?
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both
i just got charge $17.70 US for a conversion & service fee
You probably should check what you are being charged for.
Login to you PayPal account, and click the "fees" link on the bottom. You will get fee rates relevant to your account. This is what mine says:
I wasn't aware that PayPal charges a per-transaction fee, I thought it was just a percentage? I could be wrong though, but it's a big difference for small transactions.
If they let you use paypal, you could easily trade some USD/EUROS for your local currency and deposit them in paypal.
However Credit/Debit Card -> INTERNATIONAL TRANSACTION FEE -> PayPal -> PAYPAL FEE -> CURRENCY EXCHANGE -> EXCHANGE FEE -> Google Checkout.
It adds about 250% to the price even once converted.
I have not received my Vibrant yet, and I'm new to Android, so can anyone tell me if I can pay for apps in the Market in Panama?
I have Paypal, credit card, etc. but I don't know how payment works in the Market, but I've read that it's not an option everywhere.
Anyone?
donalgodon said:
I have not received my Vibrant yet, and I'm new to Android, so can anyone tell me if I can pay for apps in the Market in Panama?
I have Paypal, credit card, etc. but I don't know how payment works in the Market, but I've read that it's not an option everywhere.
Anyone?
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Click to collapse
I'm sure u can, with a credit card
Sent from my SGH-T959 using XDA App
yes you can all that will be added is the exchange rate differential cost for 1 dollar exchange to English pound is about 6% or 8cents so it will not effect you much don't know exchange rate cost for the Balboa to dollar but I would guess it is something the same.
Well, the Panamanian Balboa is based on the US dollar at 100% parity, and US currency is freely used here, so that's not a problem. Is it possible to pay in the Market with PayPal?
+1
Well, the Panamanian Balboa is based on the US dollar at 100% parity, and US currency is freely used here, so that's not a problem. Is it possible to pay in the Market with PayPal?
I'm thinking on buying The Xoom either the full amount ($799) or getting it via Best Buy financing for 18 months no interest. Just wondering if anybody got the 18 month financing payment what is your monthly payment? Also what did you have to pay up front? Thanks in advanced
I'm neither an account nor a math wiz, but at 18 months no interest for $800, you're looking at payments around $50 a month.
Vandam500 said:
I'm thinking on buying The Xoom either the full amount ($799) or getting it via Best Buy financing for 18 months no interest. Just wondering if anybody got the 18 month financing payment what is your monthly payment? Also what did you have to pay up front? Thanks in advanced
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Click to collapse
After tax your looking around 850/18 months is gonna be around $50 a month like said above.
Yeah I was just wondering if there were any other fees and stuff, cause if so I would just buy the whole thing up front. If not then monthly would better
I have purchased a few Items at best buy with zero intrest, just make sure you remember to pay it off before promotion expires, there are no other fees.
You don't *have* to pay a set amount each month, you do have to at least pay a minimum. You could pay $100 one month, $25 the next, etc.
If it *isn't* paid off by the end or if you miss a payment completely, there used to be small print that says they could charge you all the interest at that point.
The "no interest" is a little mis-leading, there is a monthly percentage fee for "debt cancellation" which is basically the fee for not charging you interest. It's significantly reduced from actual interest gain, but it still isn't a true 0.
On the whole, if you can afford it upfront, you'd save yourself some money.
I see. Thanks for the info fellas
burningembers said:
You don't *have* to pay a set amount each month, you do have to at least pay a minimum. You could pay $100 one month, $25 the next, etc.
If it *isn't* paid off by the end or if you miss a payment completely, there used to be small print that says they could charge you all the interest at that point.
The "no interest" is a little mis-leading, there is a monthly percentage fee for "debt cancellation" which is basically the fee for not charging you interest. It's significantly reduced from actual interest gain, but it still isn't a true 0.
On the whole, if you can afford it upfront, you'd save yourself some money.
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debt cancellation (account shield) is not mandatory and is always 100% optional.
OP You can pay your payment in store (cash or check, no credit cards) as well as online. Otherwise there is a minimum payment due every month (I wanna say either 10 dollars or 10%). If you have any more questions shoot!
Agree i have never heard of the percentage fee. And i am been using them for years, i just make sure to pay it off way early and never ever be late.
I'm pretty sure he signed up for account shield which is roughly ~$1.20? on every 100 dollars you spend
And what is the account shield for?
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Vandam500 said:
And what is the account shield for?
Sent from my HTC Vision using XDA Premium App
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account shield is in the event of a natural disaster, someone steals the device or other things (I don't work in that department, so not sure about everything) you will not be required to owe payments
deadpixell said:
account shield is in the event of a natural disaster, someone steals the device or other things (I don't work in that department, so not sure about everything) you will not be required to owe payments
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Ah ok I see! Yeah that would be a nice thing to add on I guess.
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I bought my macbook pro from bestbuy no interest 18 months. I paid the minimum (about $25 a month) for about a year. Then I made several large payments of $200 over the next few months to pay it off. So what I'm saying is u can pay it off at any rate or structure u want just don't miss a payment.
If u don't pay off in 18 months, the APR is somewhere around 25% lol. So pay that sucker off early!!! I think I was done a month or so early. (25% on $1400 isn't very fun).
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Damn 25% APR!? If I do go through the financing there is no way in hell I will not pay it before the requiered time! That's killer lol.
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Vandam500 said:
Damn 25% APR!? If I do go through the financing there is no way in hell I will not pay it before the requiered time! That's killer lol.
Sent from my HTC Vision using XDA Premium App
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Yea its extremely ridiculous. That's why they offer 0% interest over 18 months is because the deferred interest is massive. Its really a solid deal, even if you want to just buy it and pay it off a few months later, not wait the whole 18 months.
Wow, I never knew that the account shield was some added thing I signed up for...I'm totally canceling that.
Thanks
burningembers said:
Wow, I never knew that the account shield was some added thing I signed up for...I'm totally canceling that.
Thanks
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They probably had it added on as "default" or something. Sneaky business move
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stroebele said:
I'm neither an account nor a math wiz, but at 18 months no interest for $800, you're looking at payments around $50 a month.
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More like $18 a month or so, I work at Best Buy, that's what the payments are like on our computers.
Connor1 said:
More like $18 a month or so, I work at Best Buy, that's what the payments are like on our computers.
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Yea, its not based on equal month payments. Best Buy just requires a min payment. Like I said my min payment on a $1300 laptop was only $26.
Hi, I want to upload few CM11 themes I made to the play store(for free) but seems like I must pay $25 for the "Google Checkout Merchant Account" doesn't matter if my themes are free???
I don't care to pay $25 but I wonder why there are soo many free apps? If developers must pay for sharing free apps
Overdose1986 said:
Hi, I want to upload few CM11 themes I made to the play store(for free) but seems like I must pay $25 for the "Google Checkout Merchant Account" doesn't matter if my themes are free???
I don't care to pay $25 but I wonder why there are soo many free apps? If developers must pay for sharing free apps
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As the saying goes, in order to play, you must pay! The charge is for a few reasons. Keeps the bad guys away for the most part, help pay the costs. This is my understanding, could be more.
Sent with my Nexus® 10 minus 3