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  • FIRST POST
    • snowshine
    • By snowshine 18th Jun 17, 2:35 PM
    • 68Posts
    • 1Thanks
    snowshine
    Sorry if this question has been asked over and over
    • #1
    • 18th Jun 17, 2:35 PM
    Sorry if this question has been asked over and over 18th Jun 17 at 2:35 PM
    I remember in 90s credit cards issued by Nationwide, Co Operative, Post Office and ?Victoria BS Liverpool could be used internationally and free from commission for use (This did not include for cash withdrawals fro ATM).

    Lately as I understand Nationwide still has this commission free for use in EU. (Advice given is that when paying to tell them to charge in local currency so that the conversion will be inter-bank exchange rate bar commission allow some savings)

    A trip is plan to visit Hong Kong in July. Does anyone know of a credit card worth applying for, to use in Hong Kong rather than taking cash in Pounds or converted Hong Kong currency..

    I thank you for your suggestion
    Regards
Page 1
    • eskbanker
    • By eskbanker 18th Jun 17, 3:09 PM
    • 4,770 Posts
    • 4,509 Thanks
    eskbanker
    • #2
    • 18th Jun 17, 3:09 PM
    • #2
    • 18th Jun 17, 3:09 PM
    There's a helpful MSE article summarising all the best options at http://www.moneysavingexpert.com/travel/travel-credit-cards
    • snowshine
    • By snowshine 18th Jun 17, 3:30 PM
    • 68 Posts
    • 1 Thanks
    snowshine
    • #3
    • 18th Jun 17, 3:30 PM
    • #3
    • 18th Jun 17, 3:30 PM
    I am looking at "Starling bank" form this site. Seems to fulfil my needs... needs further reading though

    17.07 hours..
    It seems the best option to have an account with Starling Bank, as all other cards will have foreign currency use fees. Also with this bank account ATM overseas withdrawals will not incur a fees.(Albeit the money you take out is your own not credit). This is more like a debit card or preloaded card.
    I feel one should not to load too much since one could online get onto their regular bank anywhere in world and transfer the amount needed in sterling pound into this account.

    Metro Bank would be similar but will only fee free in Europe and for the rest of the world 2.5% charge applies.

    Nationwide Credit card is what I use in Europe and now I will stop it because it is now charging for overseas use!!
    Last edited by snowshine; 18-06-2017 at 5:14 PM.
    • Candyapple
    • By Candyapple 19th Jun 17, 10:57 AM
    • 2,059 Posts
    • 1,598 Thanks
    Candyapple
    • #4
    • 19th Jun 17, 10:57 AM
    • #4
    • 19th Jun 17, 10:57 AM
    I am looking at "Starling bank" form this site. Seems to fulfil my needs... needs further reading though

    17.07 hours..
    It seems the best option to have an account with Starling Bank, as all other cards will have foreign currency use fees. Also with this bank account ATM overseas withdrawals will not incur a fees.(Albeit the money you take out is your own not credit). This is more like a debit card or preloaded card.
    I feel one should not to load too much since one could online get onto their regular bank anywhere in world and transfer the amount needed in sterling pound into this account.

    Metro Bank would be similar but will only fee free in Europe and for the rest of the world 2.5% charge applies.

    Nationwide Credit card is what I use in Europe and now I will stop it because it is now charging for overseas use!!
    Originally posted by snowshine

    Did you even bother to read the link which was posted above?

    It would have saved you wasting time reading and given you the answers there and then.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
    • snowshine
    • By snowshine 19th Jun 17, 2:02 PM
    • 68 Posts
    • 1 Thanks
    snowshine
    • #5
    • 19th Jun 17, 2:02 PM
    • #5
    • 19th Jun 17, 2:02 PM
    Did you even bother to read the link which was posted above?

    It would have saved you wasting time reading and given you the answers there and then.
    Originally posted by Candyapple
    Hello,
    OK I understand what you mean. I just over looked. sorry


    Regards
    Last edited by snowshine; 19-06-2017 at 2:15 PM.
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