Spaniards increasingly choose to pay by card in supermarkets, bars and other establishments, according to the Study on Habits in the Use of Cash. However, according to the Bank of Spain, we Spaniards make the same mistake when requesting a copy of the card receipt. However, the use of cards and mobile devices has increased exponentially in recent years, especially since the start of the Covid-19 pandemic, which is why the Bank of Spain has warned through a blog by a Very common error when requesting a copy of the card.
Should I ask for a copy of the card when paying?
When they ask us if we want a copy when paying by card, in the vast majority of cases we answer no. However, this can cause problems if we want to check that we have been charged the correct amount, as there is no receipt to prove this is the case. This situation affects the smallest payments. And when we pay less than 50 euros by card, it is not necessary to enter the PIN, so we don’t even look at what they are charging us.
«Before answering negatively, make sure that you have been charged the appropriate amount and that it appears that way on the POS screen. This is something obvious, it’s about looking at what you pay. However, nowadays, with the widespread use of contactless payments for small amounts, in which it is enough to bring the card close to the POS and they automatically charge you without having to enter the PIN, you may sometimes act in a “automatic and don’t even look at what they charge you,” says the Bank of Spain.
The entity launches the following recommendation: «When you make a contactless payment, when you bring your card close to the POS, check the amount that appears on the screen and make sure it is correct. The copy can help you keep adequate control of your expenses.
And he adds: «Save the purchase receipt from the store. This way you can verify that the amount of the card charge matches the purchase amount. Remember that in many businesses there is the possibility of obtaining an electronic ticket.
It is also advisable to review the card charges in the bank account to keep track of the operations and ask the entity about the possibility of sending us an SMS message every time a charge is made to the card. The vast majority of banks offer this service.
#Bank #Spain #warns #mistake #paying #card