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  • FIRST POST
    • Cotta
    • By Cotta 3rd Oct 16, 11:31 AM
    • 2,160Posts
    • 921Thanks
    Cotta
    Buying US Dollars in NI
    • #1
    • 3rd Oct 16, 11:31 AM
    Buying US Dollars in NI 3rd Oct 16 at 11:31 AM
    Hi All,


    Where is offering the best rates on purchasing US dollars at present?


    Thanks.
Page 1
    • RikM
    • By RikM 3rd Oct 16, 1:19 PM
    • 486 Posts
    • 266 Thanks
    RikM
    • #2
    • 3rd Oct 16, 1:19 PM
    • #2
    • 3rd Oct 16, 1:19 PM
    Did you try the tool?
    http://travelmoney.moneysavingexpert.com
    • Cotta
    • By Cotta 4th Oct 16, 9:31 AM
    • 2,160 Posts
    • 921 Thanks
    Cotta
    • #3
    • 4th Oct 16, 9:31 AM
    • #3
    • 4th Oct 16, 9:31 AM
    Thanks, the Halifax Clarity card looks interesting, I might research this a little bit more.
    • Heisenbug
    • By Heisenbug 9th Oct 16, 7:51 PM
    • 31 Posts
    • 27 Thanks
    Heisenbug
    • #4
    • 9th Oct 16, 7:51 PM
    • #4
    • 9th Oct 16, 7:51 PM
    I've always used my Clarity card in the States and elsewhere both for purchases and ATM's. Can't beat the rates and is more convenient than carrying large amounts of money. Particularly useful for the south as no need to worry about having euro's or bank charges.
    • tara747
    • By tara747 10th Oct 16, 12:35 PM
    • 9,952 Posts
    • 26,410 Thanks
    tara747
    • #5
    • 10th Oct 16, 12:35 PM
    • #5
    • 10th Oct 16, 12:35 PM
    I have a Clarity card - if withdrawing cash, do I need to pay the card on the day I withdraw, to avoid interest accruing?
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs
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    • Heisenbug
    • By Heisenbug 10th Oct 16, 8:10 PM
    • 31 Posts
    • 27 Thanks
    Heisenbug
    • #6
    • 10th Oct 16, 8:10 PM
    • #6
    • 10th Oct 16, 8:10 PM
    Yes, but it would be difficult (if not impossible) to avoid interest due to transaction times. The interest is calculated daily and won't be significant over a normal holiday compared to the savings in fees and exchange rates. £1.50 per hundred if paid monthly on the better rate but pay earlier and you'll pay less.

    I've tended to pay close to the withdrawal whilst abroad but wouldn't worry if it was left until I got home.
    • Cotta
    • By Cotta 11th Oct 16, 9:51 AM
    • 2,160 Posts
    • 921 Thanks
    Cotta
    • #7
    • 11th Oct 16, 9:51 AM
    • #7
    • 11th Oct 16, 9:51 AM
    I've opted for the Clarity card, how does this work when I want to start using it, do I need to link this to my Halifax Current account?
    • tara747
    • By tara747 11th Oct 16, 1:00 PM
    • 9,952 Posts
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    tara747
    • #8
    • 11th Oct 16, 1:00 PM
    • #8
    • 11th Oct 16, 1:00 PM
    Cotta - if this is for an upcoming trip, I'd buy them NOW as the £ will be even further down the toilet by the time you go (thanks to the prospect of a hard Brexit).
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs
    Save £110,000 by 31 Dec 2016! Dec 2011: £54,342 * Dec 2012: £62,200 * Dec 2013: £74,127 * Dec 2014: £84,839 * Dec 2015: £95,207
    eBay sales - £4,559.89 Cashback - £1,811.15
    Be a nicer daughter, sister and friend
    • Heisenbug
    • By Heisenbug 11th Oct 16, 9:18 PM
    • 31 Posts
    • 27 Thanks
    Heisenbug
    • #9
    • 11th Oct 16, 9:18 PM
    • #9
    • 11th Oct 16, 9:18 PM
    There's no link between your Clarity card and your Halifax current account but I believe you'll be able to pay the credit card balance using online banking. I don't have a Halifax current account so I use my banks app to make early payments and have the direct debit setup to pay the balance in full each month.
    • tara747
    • By tara747 12th Oct 16, 10:20 AM
    • 9,952 Posts
    • 26,410 Thanks
    tara747
    There's no link between your Clarity card and your Halifax current account but I believe you'll be able to pay the credit card balance using online banking. I don't have a Halifax current account so I use my banks app to make early payments and have the direct debit setup to pay the balance in full each month.
    Originally posted by Heisenbug


    Thanks. I have a standing order set up to pay the full balance anytime I use the card, but I've never used it to withdraw cash - so I'd want to pay it immediately, in order to avoid paying interest.
    Get to 119lbs! 1/2/09: 135.6lbs 1/5/11: 145.8lbs 30/3/13 150lbs 22/2/14 137lbs 2/6/14 128lbs 29/8/14 124lbs
    Save £110,000 by 31 Dec 2016! Dec 2011: £54,342 * Dec 2012: £62,200 * Dec 2013: £74,127 * Dec 2014: £84,839 * Dec 2015: £95,207
    eBay sales - £4,559.89 Cashback - £1,811.15
    Be a nicer daughter, sister and friend
    • Cotta
    • By Cotta 12th Oct 16, 12:07 PM
    • 2,160 Posts
    • 921 Thanks
    Cotta
    Thanks. I have a standing order set up to pay the full balance anytime I use the card, but I've never used it to withdraw cash - so I'd want to pay it immediately, in order to avoid paying interest.
    Originally posted by tara747
    So I should setup my Clarity card and when I use it the money is automatically cleared from my current account?
    • In For A Penny
    • By In For A Penny 16th Oct 16, 9:36 PM
    • 287 Posts
    • 271 Thanks
    In For A Penny
    So I should setup my Clarity card and when I use it the money is automatically cleared from my current account?
    Originally posted by Cotta
    Not sure it has this functionality - I've always had to do it manually but even if it's a couple of days, you're talking minimal interest.
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