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4223 posts

Uber Geek

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  # 2363734 30-Nov-2019 22:25
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So here’s an example from tonight: Amazon-converted cost would have been $72.43; BNZ Visa charge $71.48.

 

i’ve never once come across a lower charge from the in-house conversion rate on sites like Amazon and eBay, so always use my card’s.


486 posts

Ultimate Geek


  # 2363746 30-Nov-2019 23:54
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Batman:
landcruiserguy:

 

FX is a huge rip off.  I have just started a transfer wise account which gives you a physical debit card (mastercard) and virtual bank accounts in USD\NZD\AUD.  The difference is that when you do the FX transaction it's 1% fee instead of the normal 3% the credit card company (or Amazon).

 

 

 

If anyone is keen this invite code will get you the first transfer free:

 

 

 

transferwise.com/invite/u/guyb94

 

 

 

 

 

 

 

 

 



I was considering this, but do you get the protection of your local anz visa? Also, Can you change the card number after each transaction to prevent fraud?

 

 

 

It's a debit card so I don't think you get the same fraud protection as a credit card.  The number is printed on the card so you can't change it.  I added the card to paypal and always use that when possible.  This keeps the vendor from getting the number which reduces the chance of fraud and gives you the paypal dispute protection in case your stuff doesn't arrive.

 

I just brought a few things with it (card arrived today) and on something that was $160usd (which is about $240ish NZD) the transferwise FX rates were $7 cheaper than the rates that Amazon quoted me.


 
 
 
 


441 posts

Ultimate Geek


  # 2363751 1-Dec-2019 00:23
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Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 


81 posts

Master Geek


  # 2363873 1-Dec-2019 10:52
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dt:

 

M10 Mega Albany are so good with their price promise, Ironically I got a price promise done on a dewalt kit earlier in the year and the lady looked shocked and goes "wow we lose money on this" but still put it through without hesitation 👍

 

 

They don't actually lose money though. Between rebates and their distributors price protection when the price match is applied they are still making money. Bunnings has a whole TPR (temporary price reduction) team who monitor their competitors proactively to drop their prices lower, sometimes by a couple of cents, so that they do not have to price match.

 

PottsyNZ:

 

Anyone found any Hue stuff on special yet? It's notorious for staying at RRP :\

 

 

Hue product is distributed directly by Signify, hence the low discounts. The best deals to be had recently was on the outdoor range at PB Tech (nearly at cost) and then price matching that at Mitre 10 (so 15% off cost).

 

landcruiserguy:

 

Ruphus:

 

Sony WH-1000XM3 are down to $397 at NL. Wellington (Featherston St) were out of stock but are taking orders.

 

https://www.noelleeming.co.nz/shop/audio/portable-audio/headphones/sony-wh-1000xm3b-wireless-noise-cancelling-headphones-black/prod165781.html

 

 

Noles has them for $359 and you can get $10 off for signing up to their spam list.  I got the sony store to price match (including the $10 off) and brought them there.  Got them in my ears now, loving the sound quality although I have had a couple of drop outs.

 

 

$359 is "cost". I bought these at the Sony Store back in August for the same price. They are fantastic and I would highly recommend them.


6990 posts

Uber Geek

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  # 2363937 1-Dec-2019 12:40
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So, Cyber Monday?...

1765 posts

Uber Geek


  # 2363948 1-Dec-2019 13:14
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Nil Einne:

Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 


Will be interesting to see if they add GST to the laptop I ordered. Currently order accepted and a pending charge to the credit card, but not yet shipped
Still quite a good deal even with GST

1554 posts

Uber Geek

Trusted

  # 2363998 1-Dec-2019 13:26
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Nil Einne:

 

Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 

 

 

 

 

When i had a look they were adding GST and Import fees. not sure if they have fixed this yet? anyone else noticed this as well





 
 
 
 


486 posts

Ultimate Geek


  # 2364021 1-Dec-2019 14:05
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shk292:
Nil Einne:

Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 


Will be interesting to see if they add GST to the laptop I ordered. Currently order accepted and a pending charge to the credit card, but not yet shipped
Still quite a good deal even with GST


I think they are going by order date. I ordered something yesterday - no gst. If i put the same thing in my cart today then gst is added.

755 posts

Ultimate Geek


  # 2364026 1-Dec-2019 14:24
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jonathan18:

So here’s an example from tonight: Amazon-converted cost would have been $72.43; BNZ Visa charge $71.48.


i’ve never once come across a lower charge from the in-house conversion rate on sites like Amazon and eBay, so always use my card’s.



It's really going to depend on your bank + card. Some may do the rate at time of purchase. I think many (most?) Do an average for the rate in the day. That being the case you could lose out spectacularly. At least Amazon give you the option - that's great!

But 95c is all of 1.3% of the price. I've got better/bigger things to worry about in all honesty.

Edit: had a look at an old (only last month) purchase with a conversion. My bank/card (Asb visa) also charge offshore margins on top of the conversion rate that wipes out that 1.3%. So I'm curious if your 95c saving included that.

142 posts

Master Geek


  # 2364031 1-Dec-2019 14:33
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landcruiserguy:
shk292:
Nil Einne:

 

Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 

 


Will be interesting to see if they add GST to the laptop I ordered. Currently order accepted and a pending charge to the credit card, but not yet shipped
Still quite a good deal even with GST


I think they are going by order date. I ordered something yesterday - no gst. If i put the same thing in my cart today then gst is added.

 

Should be the date they charge your card.

 

I ordered yesterday with invoice total NZ$179.10, but they charged my card today NZ$205.96. The invoice detail still shows $179.10 with no GST info. I will contact their customer support later on today see what's happening.


3368 posts

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  # 2364037 1-Dec-2019 15:03
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Hibino:

 

Should be the date they charge your card.

 

I ordered yesterday with invoice total NZ$179.10, but they charged my card today NZ$205.96. The invoice detail still shows $179.10 with no GST info. I will contact their customer support later on today see what's happening.

 

 

 

 

Hmm, interesting.  I'll see what happens with my order - ordered a couple of things on wed\thurs last week.  Seems they're still picking the items though as it's still not shipped and no charge to my card yet. When ordering and on the current order detail screen it says $0 tax due so slightly annoying if they're adding tax without letting customers know first? 


2862 posts

Uber Geek


  # 2364043 1-Dec-2019 15:12
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aliexpress starting charging gst on Nov 30th, which was kinda annoying as I was planning on buying some stuff yday before gst kicked in.





HTPC / Home automation (home assistant) enthusiast.


284 posts

Ultimate Geek

Lifetime subscriber

  # 2364045 1-Dec-2019 15:17
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I ordered something yesterday for $38.94, with no tax and that is what has been charged to my credit card

4223 posts

Uber Geek

Subscriber

  # 2364146 1-Dec-2019 19:21
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nzkc:
jonathan18:

 

So here’s an example from tonight: Amazon-converted cost would have been $72.43; BNZ Visa charge $71.48.

 

i’ve never once come across a lower charge from the in-house conversion rate on sites like Amazon and eBay, so always use my card’s.

 



It's really going to depend on your bank + card. Some may do the rate at time of purchase. I think many (most?) Do an average for the rate in the day. That being the case you could lose out spectacularly. At least Amazon give you the option - that's great!

But 95c is all of 1.3% of the price. I've got better/bigger things to worry about in all honesty.

Edit: had a look at an old (only last month) purchase with a conversion. My bank/card (Asb visa) also charge offshore margins on top of the conversion rate that wipes out that 1.3%. So I'm curious if your 95c saving included that.

 

My card only ever shows the total cost, so I can't tell you the actual fees charged, but no more is ever added to that amount. Clearly, though, I'm getting a better deal with my bank/card than some others...

 

Sure, 1.3% is not much on that one relatively small transaction, but it adds up over the year... And it's not like I sit down to calculate it each time! I did so this time simply because I wanted an example to post here.

 

 


1765 posts

Uber Geek


  # 2364216 1-Dec-2019 20:25
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landcruiserguy:
shk292:
Nil Einne:

 

Not really a deal, but just as a quick note, Amazon are now adding GST to all orders no matter the amount. As expected. 

 


Will be interesting to see if they add GST to the laptop I ordered. Currently order accepted and a pending charge to the credit card, but not yet shipped
Still quite a good deal even with GST


I think they are going by order date. I ordered something yesterday - no gst. If i put the same thing in my cart today then gst is added.

 

That seems to be right - just had shipping notification for the laptop I ordered and the price has remained GST-free.  Quite a nice result - before the tax changes, there would have been about $130 added for GST and levies.

 

Thanks @debo for posting this deal.

 

And thanks @labour for being financially inept


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