Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • caldi9
    • By caldi9 11th Nov 17, 10:02 AM
    • 23Posts
    • 0Thanks
    caldi9
    Free USD credit card in UK
    • #1
    • 11th Nov 17, 10:02 AM
    Free USD credit card in UK 11th Nov 17 at 10:02 AM
    Hey,

    looking for a free USD credit card, am based in the UK. Have an HSBC account - do they offer one with their currency account?

    Does Fineco offer one with their multi-currency account?

    Thanks
Page 1
    • dj1471
    • By dj1471 11th Nov 17, 12:52 PM
    • 906 Posts
    • 600 Thanks
    dj1471
    • #2
    • 11th Nov 17, 12:52 PM
    • #2
    • 11th Nov 17, 12:52 PM
    What are you actually trying to achieve? How do you plan to fund it?
    • bigadaj
    • By bigadaj 11th Nov 17, 1:41 PM
    • 10,673 Posts
    • 6,973 Thanks
    bigadaj
    • #3
    • 11th Nov 17, 1:41 PM
    • #3
    • 11th Nov 17, 1:41 PM
    Hey,

    looking for a free USD credit card, am based in the UK. Have an HSBC account - do they offer one with their currency account?

    Does Fineco offer one with their multi-currency account?

    Thanks
    Originally posted by caldi9
    Virtually all credit cards can be used in for for buying things with US dollars, so the main difference is in fees and charges.

    Depending on what you are trying to do then the new banks can be an option or something as simple as Halifax clarity, barclaycard travel car etc
    • caldi9
    • By caldi9 11th Nov 17, 3:08 PM
    • 23 Posts
    • 0 Thanks
    caldi9
    • #4
    • 11th Nov 17, 3:08 PM
    • #4
    • 11th Nov 17, 3:08 PM
    Have a USD account with HSBC. They do not issue USD credit cards. I want to pay bills etc with a USD credit card (no bank transfers accepted) funded with USD that I can transfer from my HSBC currency account.
    • dj1471
    • By dj1471 11th Nov 17, 3:25 PM
    • 906 Posts
    • 600 Thanks
    dj1471
    • #5
    • 11th Nov 17, 3:25 PM
    • #5
    • 11th Nov 17, 3:25 PM
    This question has been asked on here before but I don't recall there being any decent options. Revolut is a prepaid card that can be loaded in USD, however I expect that HSBC will charge you for USD transfers to top it up?

    Amex offer a fee-free USD chargecard but you have to have been an Amex cardholder for 6 months to be eligible.
    • caldi9
    • By caldi9 11th Nov 17, 6:54 PM
    • 23 Posts
    • 0 Thanks
    caldi9
    • #6
    • 11th Nov 17, 6:54 PM
    • #6
    • 11th Nov 17, 6:54 PM
    Got it - here it is: https://www.americanexpress.com/icc/cards/the-basic-international-currency-card.html

    Using the HSBC currency account to settle the above Amex.
    • eDicky
    • By eDicky 12th Nov 17, 12:57 AM
    • 2,912 Posts
    • 1,278 Thanks
    eDicky
    • #7
    • 12th Nov 17, 12:57 AM
    • #7
    • 12th Nov 17, 12:57 AM
    Using the HSBC currency account to settle the above Amex.
    Originally posted by caldi9
    Unless you already have the dollars to put in that account, HSBC will take 3-4% of your money exchanging from pounds at their rates.

    Unless you prefer complicated and expensive ways of paying USD by card, sign up for Revolut, load your pounds, exchange to dollars at the interbank rate (weekdays), or simply let the conversion take place when you pay. If you are paying online or by phone you can use the virtual card provided immediately. The whole thing can be ready to use in minutes but it's best to study the FAQs and fair usage policy to see how it works.

    https://revolut.com

    Monzo or Loot prepaid are also simple fee-free solutions, you just need to await delivery of their plastic card.

    If you really want to use a credit card, take one of those recommended for travel in the​ MSE articles, converting to USD at the straight MasterCard or Visa rates without fees when used to pay. Aqua Reward will give you 0.5% cashback.
    • caldi9
    • By caldi9 12th Nov 17, 6:04 PM
    • 23 Posts
    • 0 Thanks
    caldi9
    • #8
    • 12th Nov 17, 6:04 PM
    • #8
    • 12th Nov 17, 6:04 PM
    Unless you already have the dollars to put in that account, HSBC will take 3-4% of your money exchanging from pounds at their rates.

    Unless you prefer complicated and expensive ways of paying USD by card, sign up for Revolut, load your pounds, exchange to dollars at the interbank rate (weekdays), or simply let the conversion take place when you pay. If you are paying online or by phone you can use the virtual card provided immediately. The whole thing can be ready to use in minutes but it's best to study the FAQs and fair usage policy to see how it works.

    https://revolut.com

    Monzo or Loot prepaid are also simple fee-free solutions, you just need to await delivery of their plastic card.

    If you really want to use a credit card, take one of those recommended for travel in the​ MSE articles, converting to USD at the straight MasterCard or Visa rates without fees when used to pay. Aqua Reward will give you 0.5% cashback.
    Originally posted by eDicky
    What do you mean by "at the straight ... rates"?

    Is there a limit for Revolut? And how does Revolut differ from the Barclaycard Platinum travel card?
    Last edited by caldi9; 12-11-2017 at 6:12 PM.
    • eDicky
    • By eDicky 12th Nov 17, 11:12 PM
    • 2,912 Posts
    • 1,278 Thanks
    eDicky
    • #9
    • 12th Nov 17, 11:12 PM
    • #9
    • 12th Nov 17, 11:12 PM
    What do you mean by "at the straight ... rates"?

    Is there a limit for Revolut? And how does Revolut differ from the Barclaycard Platinum travel card?
    Originally posted by caldi9
    The MasterCard or Visa rate, which are excellent, without any percentage fee or 'load' added by the card issuer.

    Revolut is prepaid, not a credit card or bank account (no FSCS protection). There are limits, which can be raised by providing verification of source of funds. See their FAQs for more info.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,822Posts Today

6,651Users online

Martin's Twitter