Les cartes Visa Trans-Cash en test (+surprise pour vous !).

DSCF8360 Trans-Cash est comme je vous en avais parlé il y a quelques semaines un nouveau venu en France dans le domaine du transfert d’argent pour particulier.

DSCF8352DSCF8353 DSCF8357 L’offre assez étrange au premier abord se compose de 2 comptes liés chacun à une carte, ces cartes sont dénuées de puce mais ont uniquement des bandes magnétique, ce sont des cartes à la normes international Visa, donc le retrait est aisé dans le monde entier.

Une carte rouge, une carte noir.

DSCF8356DSCF8355

La carte noir est la carte maitresse du système, la carte de la personne ayant de l’argent à envoyer à quelqu’un, elle permet le retrait mais aussi le chargement du compte et les transferts vers le compte rouge, c-à-d le compte récepteur et débiteur.

La carte rouge permet de retirer de l’argent envoyé par le compte noir, elle sert uniquement au débit basique.

L’usage pourrait être idéal pour permettre à un enfant d’avoir sa visa, mais les frais de transfert et de débit sont contraignants.

DSCF8354 DSCF8354 Par exemple, il y a 50€ sur la carte rouge ou noir, et vous voulez cet argent en billet, vous allez devant un distributeur et vous demandez une somme de 50€, et bien la machine refuse simplement de sortir 50€ en billet, l’explication est simple, le débit en distributeur est facturé 1€.

DSCF8359 Par contre, chez un commerçant ou sur internet/paypal, il n’y a pas de frais.

Autre chose, l’abonnement au service est directement débité sur le compte et il est de 1,5€ par mois.

Il s’applique des taxes de presque 10% sur les recharges : une recharge de 55€ se fera facturer 5€ de frais, donc il ne reste que 50€ sur le compte.

Par contre, ne comptez pas cacher ce compte à votre femme en manque d’argent lors de votre divorce ou pour des trafics pas super légaux, les comptes ne sont (hélas) pas anonyme, première étape, l’activation par téléphone avec carte d’identité en main, e-mail adresse, deuxième étape, renvoi par la poste de la photocopie de la carte d’identité , justificatif de domicile etc. : du lourd.

DSCF8346

Personnellement, l’étape d’activation téléphonique a été catastrophique, le code d’activation ne marchait pas, les serveurs vocaux de transcach n’était vraiment pas opérationnel.

De plus, l’activation de crédit via SMS était tout aussi laborieux, multiples erreur, le système ne marchait pas, et la recharge par internet non plus, au bout de quelques heures, l’accès a la créditation par internet à fonctionner.

Mais j’ai une bonne surprise pour vous,

A partir de demain Dimanche 17 Janvier jusqu’au Jeudi 21 Janvier vous pourrez participer au tirage au sort sur I’m not Geek pour tentez de remporter un des deux pack mis en jeu qui sont chacun créditer de 20€ !

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