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Unable to recharge and withdraw from ATMs due to open banking inspection of Travelers and Travel Wallet
Currently, due to the instability and inspection of the open banking system, the functions of overseas financial services such as Travelers and Travel Wallet are not operating smoothly.
I would like to urgently share information for readers using the KB Pay Travelers card.
I am currently enjoying my trip in Ho Chi Minh and attempted to withdraw cash through the KB National Card Travelers (connected to VP Bank ATM), but it failed. The ATM screen continuously indicates insufficient balance.
The KB Pay app currently does not have its automatic currency recharge service working, and the automatic currency exchange function is also suspended.
At this time, all financial services provided through open banking, including recharge, currency exchange, and ATM withdrawal functions, are not operating normally. Furthermore, errors are occurring when checking open banking in the banking app, causing inconvenience. It seems that the Financial Settlement Agency has confirmed these issues.
If you urgently need cash while traveling abroad, consider manually recharging and exchanging instead of using the automatic function. This could be a way to secure a minimal amount of cash.
Travelers and Travel Wallet rely on open banking to function. However, when open banking is under inspection or temporarily suspended, there is a structural problem that paralyzes these services entirely. These limitations can cause inconvenience to users.
This issue appears to be an unofficial disruption that has not been officially announced by the Financial Settlement Agency. It has occurred during a period of increased overseas travelers, especially during holidays and long weekends, which amplifies the impact.
Summary of the situation confirmed directly in Ho Chi Minh
Withdrawal from the Travelers National Card at VP Bank ATMs is not possible. Additionally, when trying to recharge foreign currency on the KB Pay app, the error message 'Open banking connection failed' appears. Currency exchange amounts are also not being processed. There are many similar complaints in the Travelers Wallet user community.
Currently, travelers are unable to withdraw cash from ATMs, making card payments essential. Therefore, it is advisable to prepare a little more cash.
In case of an immediate need to withdraw cash, it is uncertain when the issue will be resolved.
Solutions for automatic recharge failures
Some users have confirmed that even if automatic recharges fail, manually recharging directly works normally.
After multiple attempts with errors occurring in the automatic recharge function, I manually entered the Korean won amount for recharging, and it was completed without issue. After recharging, currency exchange and ATM withdrawals were also successfully executed.
Thus, for the time being, it is advisable to turn off automatic recharges and manually input the amount for recharging as a temporary measure.
Currently, there are issues with services based on open banking. Consequently, essential items for international travel, such as Travelers and Travel Wallet, are in a situation where their automatic recharge function cannot be used.
Additionally, the banking app has limited functionalities for checking other institutions or transfer capabilities.
Until the open banking inspection is complete, recharging manually before currency exchange will be necessary.
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Frequently Asked Questions (FAQ)
Q. What problems are occurring with the Travelers and Travel Wallet services due to open banking inspection?
Due to open banking inspection, the main functions of Travelers and Travel Wallet, such as recharge, currency exchange, and ATM withdrawals, have been suspended.
Currently, due to the instability and inspection of the open banking system, overseas travel financial services such as Travelers and Travel Wallet are not operating normally. Not only recharge and exchange functions but also ATM withdrawals are not possible, and there are significant inconveniences due to errors occurring when checking open banking in the banking app.
Q. Why is it not possible to withdraw using the KB Pay Travelers card in Ho Chi Minh?
The inability to withdraw at Ho Chi Minh VP Bank ATMs due to insufficient balance error is because of an open banking connection issue.
In Ho Chi Minh, I attempted to withdraw using the KB Pay Travelers card at a VP Bank ATM, but the ATM screen continuously displays an insufficient balance message. This phenomenon is caused by the malfunction and inspection of the open banking system, which has halted the automatic recharge and currency exchange functions, making normal withdrawals difficult.
Q. What should I do when the automatic recharge feature fails?
If the automatic recharge fails, you can recharge by manually entering the amount for normal use.
Although there are limitations in use due to errors occurring in the automatic recharge feature, some users have resolved the problem by manually entering the Korean won amount for direct recharges. After manual recharging, currency exchange and ATM withdrawals can also proceed smoothly, and it is recommended as a temporary workaround.
Q. How should overseas travelers prepare during the open banking inspection period?
It is recommended to prepare a little more cash and use manual recharges instead of automatic ones.
Due to open banking inspection, recharge, currency exchange, and ATM withdrawal services are restricted, so it is advisable for overseas travelers to prepare extra cash. Since the automatic function does not operate, foreign currency recharge should be done manually, and utilizing card payments as a default will be a precaution for safe travel.
