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  • FIRST POST
    • MSE Helen Saxon
    • By MSE Helen Saxon 28th May 15, 11:15 AM
    • 75Posts
    • 42Thanks
    MSE Helen Saxon
    0 WOW
    Prepaid Travel Cards guide
    • #1
    • 28th May 15, 11:15 AM
    0 WOW
    Prepaid Travel Cards guide 28th May 15 at 11:15 AM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks,
Page 45
    • dj1471
    • By dj1471 8th Jul 17, 9:22 PM
    • 713 Posts
    • 479 Thanks
    dj1471
    I've always understood it to be per calendar month, in which case you can withdraw again without fee on Aug 1st. So if your trip spans the end of month you can withdraw 400 with no fee. But I don't have actual experience...
    Originally posted by eDicky
    The website isn't clear but does imply that it's per calendar month.
    ATM usage is free for up to £200 (€200/ $200/ Fr 200/ 800zl) per month, after which there will be a 2% fee applied to further ATM withdrawals until the end of the month.
    However, looking in the app it says I've withdrawn £37 / £200 this month. I've made no withdrawals this calendar month, but have withdrawn a total of £37 within the last 30 days.

    In answer to the other question, no there is no limit to the number of ATM withdrawals you can make.
    Last edited by dj1471; 08-07-2017 at 9:24 PM. Reason: Add quote
    • adindas
    • By adindas 10th Jul 17, 9:28 AM
    • 3,170 Posts
    • 1,520 Thanks
    adindas
    In answer to the other question, no there is no limit to the number of ATM withdrawals you can make.
    Originally posted by dj1471
    This is a very good feature as you could use this card as a mean to get a small bank note anytime as often as you want from the cash machine abroad to dispense a small denomination of banknote.
    • sillygoose
    • By sillygoose 10th Jul 17, 6:49 PM
    • 3,822 Posts
    • 3,671 Thanks
    sillygoose
    Caxton offer Monday Mornings
    Don't know if its been mentioned here and avoiding any debate on if the Caxton is good or not, just pass on info to regular users..

    They do a special offer rate each Monday morning 9 - 12 (I certainly didn't know) where they offer an enhanced Euro rate for a card load.

    Conditions are the higher rate is only applied to a load of £600 or more.

    Their home page shows the enhanced rate live until 12pm then it drops to normal. If you go to the load page any lower sum will show the lower regular rate, once you enter £600 or more the rate shown rises to the offer rate.

    The enhanced rate isn't amazing but it was better than any actual currency purchase at the time, although less than specialist cards today.
    • Gloomendoom
    • By Gloomendoom 10th Jul 17, 9:53 PM
    • 12,402 Posts
    • 16,580 Thanks
    Gloomendoom
    Had my first ATM failure using my Monzo card this evening. The card was returned as not accepted by machine. A Halifax Clarity had the same result. Barclays card (Visa) accepted though so assume that particular bank just doesn't like Mastercard. Went round the corner to a different bank and the Monzo was accepted with no problem.
    Advice; it rhymes with mice. Advise; it rhymes with wise.
    • eDicky
    • By eDicky 11th Jul 17, 12:09 AM
    • 2,577 Posts
    • 1,106 Thanks
    eDicky
    Where, Turkey?
    • Gloomendoom
    • By Gloomendoom 11th Jul 17, 6:00 AM
    • 12,402 Posts
    • 16,580 Thanks
    Gloomendoom
    Where, Turkey?
    Originally posted by eDicky
    Close.

    Co-op Bank, Republic of Cyprus
    Advice; it rhymes with mice. Advise; it rhymes with wise.
    • Katies Mum
    • By Katies Mum 11th Jul 17, 10:05 AM
    • 3 Posts
    • 2 Thanks
    Katies Mum
    Please can you help me as I'm at my wits end. My daughter, age 17, is going abroad to Hong Kong and Beijing with her school. I will get her some currency for both countries but need her to have access to additional funds. She is too young to have a credit card and even some of the pre-paid cards exclude under 18s. I would like a card that I can load up initially with some funds but add onto in the case of an emergency. And I need it to be easy to do from my end. I wanted to use the post office one, but they seem to exclude under 18's. She has a bank account with Halifax but her card is coming up as very bad to use abroad. But I don't know if this is just bad as in "not the best but ok for small amounts and emergencies" or BAD as in "do not use abroad you will be robbed". I am beginning to panic. Thanks
    • PeacefulWaters
    • By PeacefulWaters 11th Jul 17, 11:37 AM
    • 6,572 Posts
    • 8,059 Thanks
    PeacefulWaters
    Please can you help me as I'm at my wits end. My daughter, age 17, is going abroad to Hong Kong and Beijing with her school. I will get her some currency for both countries but need her to have access to additional funds. She is too young to have a credit card and even some of the pre-paid cards exclude under 18s. I would like a card that I can load up initially with some funds but add onto in the case of an emergency. And I need it to be easy to do from my end. I wanted to use the post office one, but they seem to exclude under 18's. She has a bank account with Halifax but her card is coming up as very bad to use abroad. But I don't know if this is just bad as in "not the best but ok for small amounts and emergencies" or BAD as in "do not use abroad you will be robbed". I am beginning to panic. Thanks
    Originally posted by Katies Mum
    The Halifax card is "bad" because it's expensive to use.

    For several low value transactions it's very poor value. For larger value one off transactions it's not the end of the world.

    She should authorise her Halifax card for overseas use on the dates she's travelling, this can be done online or by phone or branch visit.

    You can and should set up a payment facility to send her funds in case of emergency, and send her a test £1 now to prove it works. You now have a "get cash to child in emergency" option in place.

    She should avoid using it to buy things like a McDonalds meal or a coffee. Better value will be achieved by making a single larger cash withdrawal and paying cash for things. When she's 18 she can have her own Monzo card.
    • WAYT
    • By WAYT 11th Jul 17, 1:18 PM
    • 359 Posts
    • 140 Thanks
    WAYT
    Please can you help me as I'm at my wits end. My daughter, age 17, is going abroad to Hong Kong and Beijing with her school. I will get her some currency for both countries but need her to have access to additional funds. She is too young to have a credit card and even some of the pre-paid cards exclude under 18s. I would like a card that I can load up initially with some funds but add onto in the case of an emergency. And I need it to be easy to do from my end. I wanted to use the post office one, but they seem to exclude under 18's. She has a bank account with Halifax but her card is coming up as very bad to use abroad. But I don't know if this is just bad as in "not the best but ok for small amounts and emergencies" or BAD as in "do not use abroad you will be robbed". I am beginning to panic. Thanks
    Originally posted by Katies Mum

    http://www.nationwide.co.uk/products/current-accounts/flexone/whats-flexone

    No foreign exchange nor ATM withdrawal charges and of course you'll be dealing with an established institution.
    No need to get her currency. They have perfectly good ATM machines in Hong Kong and Beijing.
    • WAYT
    • By WAYT 11th Jul 17, 9:26 PM
    • 359 Posts
    • 140 Thanks
    WAYT
    Please can you help me as I'm at my wits end. My daughter, age 17, is going abroad to Hong Kong and Beijing with her school. I will get her some currency for both countries but need her to have access to additional funds. She is too young to have a credit card and even some of the pre-paid cards exclude under 18s. I would like a card that I can load up initially with some funds but add onto in the case of an emergency. And I need it to be easy to do from my end. I wanted to use the post office one, but they seem to exclude under 18's. She has a bank account with Halifax but her card is coming up as very bad to use abroad. But I don't know if this is just bad as in "not the best but ok for small amounts and emergencies" or BAD as in "do not use abroad you will be robbed". I am beginning to panic. Thanks
    Originally posted by Katies Mum
    Current VISA exchange rate: HK$10.045 and CNY8.742. So far in excess of whatever you would obtain if you were able to purchase currency beforehand.
    • Grogsy83
    • By Grogsy83 11th Jul 17, 11:41 PM
    • 3 Posts
    • 0 Thanks
    Grogsy83
    Hi,
    I'm off to Australia in 4 weeks, stopping off at Dubai there & Bangkok coming home for a few days each. I don't really want the hassle of the Halifax Clarity. After reading through some of these pages it looks like 2 currency cards is the way to go, I'm just unsure of which. Maybe Monzo & FairFX?
    When in Australia we will be driving down the east coast for a few days so I'm not sure what connectivity will be like for the app cards
    • WAYT
    • By WAYT 12th Jul 17, 5:26 AM
    • 359 Posts
    • 140 Thanks
    WAYT
    Hi,
    I'm off to Australia in 4 weeks, stopping off at Dubai there & Bangkok coming home for a few days each. I don't really want the hassle of the Halifax Clarity. After reading through some of these pages it looks like 2 currency cards is the way to go, I'm just unsure of which. Maybe Monzo & FairFX?
    When in Australia we will be driving down the east coast for a few days so I'm not sure what connectivity will be like for the app cards
    Originally posted by Grogsy83
    Thailand ATM will sting you for £5 each time. You won't like that, so take out all the money that you think that you will need at once or take out a wedge of cash in Oz before you leave and exchange it at the airport, here; https://www.superrichthailand.com/#!/en/exchange#rate-section.

    "App cards" work regardless of whether you have access to the application.
    Nevertheless you can pick up SIMs at the airport in Oz and Thailand.
    http://www.optus.com.au/shop/mobile/prepaid

    http://truemoveh.truecorp.co.th/international_service/visit_thailand/en 49 baht £1.12
    https://www.dtac.co.th/en/prepaid/products/tourist-sim.html 49 baht £1.12

    Don't be tempted to buy their crappy tourist packages.
    Top up and choose from here instead:

    http://truemoveh.truecorp.co.th/topping/index_en.html
    https://www.dtac.co.th/en/prepaid/products/go-no-limit.html

    Monzo
    https://loot.io
    https://www.starlingbank.com
    • PeacefulWaters
    • By PeacefulWaters 12th Jul 17, 7:18 AM
    • 6,572 Posts
    • 8,059 Thanks
    PeacefulWaters
    I don't really want the hassle of the Halifax Clarity
    I know. It's awful presenting a card for payment that always gets accepted and is simple to pay back via online banking.
    • Gloomendoom
    • By Gloomendoom 12th Jul 17, 2:27 PM
    • 12,402 Posts
    • 16,580 Thanks
    Gloomendoom
    Hi,
    I'm off to Australia in 4 weeks, stopping off at Dubai there & Bangkok coming home for a few days each. I don't really want the hassle of the Halifax Clarity.
    Originally posted by Grogsy83

    What hassle?
    Advice; it rhymes with mice. Advise; it rhymes with wise.
    • Grogsy83
    • By Grogsy83 12th Jul 17, 4:24 PM
    • 3 Posts
    • 0 Thanks
    Grogsy83
    I mean the hassle of applying for a credit card and the rate you might get, plus having to pay off the balance regularly whilst away. Not using it to pay for things.


    Thanks WAYT for your reply, very helpful. I'll get a Monzo card, is there a one you would recommend between Loot and Starling?
    Last edited by Grogsy83; 12-07-2017 at 4:29 PM.
    • WAYT
    • By WAYT 12th Jul 17, 5:12 PM
    • 359 Posts
    • 140 Thanks
    WAYT
    I mean the hassle of applying for a credit card and the rate you might get, plus having to pay off the balance regularly whilst away. Not using it to pay for things.


    Thanks WAYT for your reply, very helpful. I'll get a Monzo card, is there a one you would recommend between Loot and Starling?
    Originally posted by Grogsy83
    Starling Bank

    Monzo is actually the most limited, as it has only £1000 of ATM withdrawals per month. Loot has a higher limit, but only 2 free withdrawals per month. £1 after that.
    • Grogsy83
    • By Grogsy83 12th Jul 17, 10:29 PM
    • 3 Posts
    • 0 Thanks
    Grogsy83
    Starling Bank

    Monzo is actually the most limited, as it has only £1000 of ATM withdrawals per month. Loot has a higher limit, but only 2 free withdrawals per month. £1 after that.
    Originally posted by WAYT
    Ok thanks again
    • bsgbees
    • By bsgbees 14th Jul 17, 9:31 AM
    • 12 Posts
    • 2 Thanks
    bsgbees
    So we took out the halifax clarity card as suggested by Martin Lewis but we've ended up needing more cash than expected as many places in the Algarve (Amarco de Pera) only accept cash.

    The best rate we can find is £1 - €1.01. One bank was offering £1 - €0.96. I feel a bit conned. Is there anyway to boost our money?
    • Pedrobandito
    • By Pedrobandito 14th Jul 17, 10:09 AM
    • 29 Posts
    • 4 Thanks
    Pedrobandito
    I have just got myself a Monzo card but I am a little worried just in case it doesn't work when I am away for whatever reason, if I also got a Starling card could I top up the Monzo from that and vice versa if one didn't work?


    I cant think of any reason the Monzo wouldn't work I just want to cover all the bases.
    • Gloomendoom
    • By Gloomendoom 14th Jul 17, 10:55 AM
    • 12,402 Posts
    • 16,580 Thanks
    Gloomendoom
    So we took out the halifax clarity card as suggested by Martin Lewis but we've ended up needing more cash than expected as many places in the Algarve (Amarco de Pera) only accept cash.

    The best rate we can find is £1 - €1.01. One bank was offering £1 - €0.96. I feel a bit conned. Is there anyway to boost our money?
    Originally posted by bsgbees
    Find an ATM and use your Clarity card to withdraw the cash.

    The exchange rate is likely to be close to 1.14
    Advice; it rhymes with mice. Advise; it rhymes with wise.
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