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  • FIRST POST
    • Rob321
    • By Rob321 17th Jun 17, 12:23 PM
    • 791Posts
    • 193Thanks
    Rob321
    Overseas Debit Card
    • #1
    • 17th Jun 17, 12:23 PM
    Overseas Debit Card 17th Jun 17 at 12:23 PM
    Now N&P are closing their current accounts, which is the best debit card to swap to to use overseas (outside europe included)?

    Thanks in advance...
Page 1
    • jackieblack
    • By jackieblack 17th Jun 17, 12:30 PM
    • 6,943 Posts
    • 8,990 Thanks
    jackieblack
    • #2
    • 17th Jun 17, 12:30 PM
    • #2
    • 17th Jun 17, 12:30 PM
    Guide includes debit as well as credit cards
    http://www.moneysavingexpert.com/travel/travel-credit-cards
    Also http://www.moneysavingexpert.com/travel/overseas-card-charges
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    • Rob321
    • By Rob321 17th Jun 17, 12:45 PM
    • 791 Posts
    • 193 Thanks
    Rob321
    • #3
    • 17th Jun 17, 12:45 PM
    • #3
    • 17th Jun 17, 12:45 PM
    Thanks, I saw that already, but its 12 months out of date, just wanted to know what other people were using or planning to use in the near future when n&p closes their current accounts soon.
    • YorkshireBoy
    • By YorkshireBoy 17th Jun 17, 12:55 PM
    • 29,144 Posts
    • 16,948 Thanks
    YorkshireBoy
    • #4
    • 17th Jun 17, 12:55 PM
    • #4
    • 17th Jun 17, 12:55 PM
    Thanks, I saw that already, but its 12 months out of date, just wanted to know what other people were using or planning to use in the near future when n&p closes their current accounts soon.
    Originally posted by Rob321
    Whilst the second article is dated June 2016, the first article is "updated weekly". It says so at the very top!

    Indeed, Starling Bank (recommended for worldwide) has only been around a few weeks.

    Maybe read the first one again?
    • eskbanker
    • By eskbanker 17th Jun 17, 1:01 PM
    • 4,769 Posts
    • 4,505 Thanks
    eskbanker
    • #5
    • 17th Jun 17, 1:01 PM
    • #5
    • 17th Jun 17, 1:01 PM
    I suspect OP was referring to the second one (covering debit cards) which does indeed state that it was last updated in June 2016. That doesn't necessarily make it out of date though, if there are no significant changes to credit and debit card charges since then....

    OP, you might wish to read the thread from when this was originally news as various ideas were kicked around then: http://forums.moneysavingexpert.com/showthread.php?t=5592031

    Edit: I now see that the first piece, despite its title, includes debit cards as well!
    • eDicky
    • By eDicky 17th Jun 17, 1:56 PM
    • 2,436 Posts
    • 1,041 Thanks
    eDicky
    • #6
    • 17th Jun 17, 1:56 PM
    • #6
    • 17th Jun 17, 1:56 PM
    just wanted to know what other people were using or planning to use in the near future when n&p closes their current accounts soon.
    Originally posted by Rob321
    I'm already using Starling Bank, the card has been working perfectly in various countries. Transactions appear instantly on the excellent app, with the rate and details updated on settlement a day or two later. Also Monzo, Revolut, Clarity etc.
    • Rob321
    • By Rob321 20th Jun 17, 2:22 PM
    • 791 Posts
    • 193 Thanks
    Rob321
    • #7
    • 20th Jun 17, 2:22 PM
    • #7
    • 20th Jun 17, 2:22 PM
    I'm already using Starling Bank, the card has been working perfectly in various countries. Transactions appear instantly on the excellent app, with the rate and details updated on settlement a day or two later. Also Monzo, Revolut, Clarity etc.
    Originally posted by eDicky
    Unfortunately MasterCard debit cards arent as widely accepted at ATM's throughout the world (particularly in Asia) as Visa, so would be an issue using Starling, Monzo or Revolut.

    The Clarity you mentioned is the Halifax Credit Card? If so they charge daily interest on cash withdrawals.

    Are there no financial institutions that offer a free Visa Debit Card worldwide withdraw now n&p are closing?
    • mt99
    • By mt99 20th Jun 17, 3:45 PM
    • 297 Posts
    • 129 Thanks
    mt99
    • #8
    • 20th Jun 17, 3:45 PM
    • #8
    • 20th Jun 17, 3:45 PM
    a flex plus debit card allows you to withdraw cash abroad without any charges however this is a packaged account - albeit a good one - so may not be for you

    however it does also allow you to apply for a select credit card which doesn't charge you anything for Purchases abroad
    • eDicky
    • By eDicky 21st Jun 17, 3:48 AM
    • 2,436 Posts
    • 1,041 Thanks
    eDicky
    • #9
    • 21st Jun 17, 3:48 AM
    • #9
    • 21st Jun 17, 3:48 AM
    Unfortunately MasterCard debit cards arent as widely accepted at ATM's throughout the world (particularly in Asia) as Visa, so would be an issue using Starling, Monzo or Revolut.

    The Clarity you mentioned is the Halifax Credit Card? If so they charge daily interest on cash withdrawals.

    Are there no financial institutions that offer a free Visa Debit Card worldwide withdraw now n&p are closing?
    Originally posted by Rob321
    In some African countries Visa is accepted and not MasterCard, but in Asia I've never noticed any lack of acceptance, except in China where neither are generally useful.

    The only remaining VISA card suitable for overseas is probably the Barclaycard Platinum travel card, which uniquely for a CC does not charge daily interest after a cash withdrawal. The Halifax Clarity does, but it's insignificant if you pay it off asap. The Virgin Money Essential account card (£1.50 overseas atm fee) has been VISA but they are changing to MasterCard.
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