Cheap Travel Money Discussion Area

jayu619

Just signed up to Kalixa and found out that they don't offer any secondary cards, so using Kalixa for my 17 yo Brother is out of the window.
Would anyone recommend ICE as the next best alternative that would allow a second user under the age of 18 to have their own card?

Thanks in advance!

Gloomendoom

KTF wrote: »

Halifax Clarity. Preload it before you go or clear it as you go.

No need for a pre-paid card.

This came up in another thread. It is possible... but against the Clarity terms and conditions...

Can I put money on my card to increase my available credit whilst on holiday?

Credit cards are not designed to be used this way. Using the card in this way breaches the product's Terms & Conditions, which state:

7.7 You must not make payments or transfer funds from another credit or store card to your account that would leave a credit balance on your account. We may return any funds that exceed the balance owing on your account to the account from which the money was sent.

halifax.co.uk

NiftyDigits

jayu619 wrote: »

Just signed up to Kalixa and found out that they don't offer any secondary cards, so using Kalixa for my 17 yo Brother is out of the window.
Would anyone recommend ICE as the next best alternative that would allow a second user under the age of 18 to have their own card?

Thanks in advance!

Just give him the primary card for goodness sake. Did you think that when his seventeen year old fingers touched the card it would stop working?

Seriously, what is the matter with people these days?

He will sign it, so the signature will match. He will have the PIN, so he can pay and take money from the ATM. What is the problem?

Of course it was better that I didn't have to write it here, but my goodness...what has happened to common sense?
You are from London???

The only card that officially allows secondary cardholders of under eighteen is Caxton Global, with charges of 2.75%.

zagfles

NiftyDigits wrote: »

Just give him the primary card for goodness sake. Did you think that when his seventeen year old fingers touched the card it would stop working?

Seriously, what is the matter with people these days?

He will sign it, so the signature will match. He will have the PIN, so he can pay and take money from the ATM. What is the problem?

Of course it was better that I didn't have to write it here, but my goodness...what has happened to common sense?
You are from London???

The only card that officially allows secondary cardholders of under eighteen is Caxton Global, with charges of 2.75%.

What if something went wrong, for instance a cashpoint going wrong or a retailer charging the wrong amount, card getting stolen etc? Something like that might require having to contact the issuer with details or even the police, and could be problems if they find out the card was used contrary to the T&Cs.

If that happened and the PP came back on here he'd get the usual sanctimonious "you should have read the T&Cs" brigade on his back...

Personally I'd stick with a method of payment which complies with the T&Cs even if it is a bit more expensive. Although I guess it's a very small risk.

KTF

Gloomendoom wrote: »

This came up in another thread. It is possible... but against the Clarity terms and conditions...

It is but it inst enforced (at the moment).

NiftyDigits

zagfles wrote: »

What if something went wrong, for instance a cashpoint going wrong or a retailer charging the wrong amount, card getting stolen etc? Something like that might require having to contact the issuer with details or even the police, and could be problems if they find out the card was used contrary to the T&Cs.

If that happened and the PP came back on here he'd get the usual sanctimonious "you should have read the T&Cs" brigade on his back...

Personally I'd stick with a method of payment which complies with the T&Cs even if it is a bit more expensive. Although I guess it's a very small risk.

Why are you posting such nonsense? ATM going wrong? In which way? The procedure would be exactly the same whether he or his brother was using the card.
Retailer overcharging? Again exactly the same. Nothing to do with the police.
Card stolen? If the ICE card, block it and move the balance over to the spare card.

You are just scaremongering. I regularly let my brother use one of my credit cards and guess what...? No drama.

There is a risk in everything.

zagfles

NiftyDigits wrote: »

Why are you posting such nonsense? ATM going wrong? In which way?

For instance not delivering all the cash but charging the account. Rare, but has happened to me a couple of times, got the money back after complaining to the bank but took a couple of weeks while they investigated.

The procedure would be exactly the same whether he or his brother was using the card.

How would the OP complain? He'd either have to lie and say he was using the card (something which could easily be proved wrong if he wasn't even in the country) or he'd have to admit the truth and say his brother was using it, and signed it, in which case they might say he's contravened the T&Cs and refuse to pursue.

Retailer overcharging? Again exactly the same. Nothing to do with the police.
Card stolen? If the ICE card, block it and move the balance over to the spare card.

So the PP should phone from the UK and report his card which has just been used abroad has been stolen? How should the police report be handled? You usually need a police report for insurance purposes, should the 17 yo admit the card among his items stolen, or not?

You are just scaremongering. I regularly let my brother use one of my credit cards and guess what...? No drama.

You let someone else use your credit card :eek: I always thought you were quite sensible, despite being constantly ratty! Why not make him an additional card holder and do it properly?

There is a risk in everything.

Yes. And financial instruments have security rules for a reason, if you contravene them and things go wrong you could lose a lot of money. Personally I wouldn't risk it.

NiftyDigits

zagfles wrote: »

For instance not delivering all the cash but charging the account. Rare, but has happened to me a couple of times, got the money back after complaining to the bank but took a couple of weeks while they investigated. How would the OP complain? He'd either have to lie and say he was using the card (something which could easily be proved wrong if he wasn't even in the country) or he'd have to admit the truth and say his brother was using it, and signed it, in which case they might say he's contravened the T&Cs and refuse to pursue. So the PP should phone from the UK and report his card which has just been used abroad has been stolen? How should the police report be handled? You usually need a police report for insurance purposes, should the 17 yo admit the card among his items stolen, or not?
You let someone else use your credit card :eek: I always thought you were quite sensible, despite being constantly ratty! Why not make him an additional card holder and do it properly? Yes. And financial instruments have security rules for a reason, if you contravene them and things go wrong you could lose a lot of money. Personally I wouldn't risk it.

Much ado about nothing. If the card was lost or stolen, you call to get it blocked. Why would calling from the UK be a problem? Police? Insurance? Seriously? You wouldn't likely get the money back from a stolen card on your insurance anyway.

Just a storm in a teacup. Give the boy the card and don't waste your time worrying like dagfleas.

zagfles

NiftyDigits wrote: »

Much ado about nothing. If the card was lost or stolen, you call to get it blocked. Why would calling from the UK be a problem? Police? Insurance? Seriously? You wouldn't likely get the money back from a stolen card on your insurance anyway.

Just a storm in a teacup. Give the boy the card and don't waste your time worrying like dagfleas.

Can't see anything in the ICE T&Cs saying the supplementary cardholder need to be 18+, so that may be an idea:
https://www.iceplc.com/prepaid-currency-card/travellers-cashcard-terms.html

Old_Fogey_2

Hello
I can't find a reply to Savercol's comment about the FairFX prepaid eurocard now charging the fee even if you follow the link. Does this mean the MSE link is out of date?