Quote:
Originally Posted by parpol
Nobody can help me recover 103 euros? 
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It depends. This is only the first stage of the process. If you are unable to resolve it with First-Pay, then make a complaint to whoever oversees the banking industry in Italy.
Here in the UK, it is ultimately the Financial Services Authority that we would go to if a similar thing happened here, and complaints to the issuer of the card got nowhere. You should also complain to the owner of the ATM machine as soon as possible so that they can be shown to have had the opportunity to investigate soon after the event.
Not all ATM machines give a receipt, and most only give one after a transaction succeeds. If the failure was before that point, then no receipt would be given, only an on-screen message such as "unable to contact bank".