How do I find out my credit card abroad charges?

eddidaz

I have an Egg credit card and Egg Money card, as well as a Halifax One credit card (and Halifax Visa debit card for my current account). I've checked on the Egg and Halifax websites, but can't seem to find details about loading etc. that are shown on the spending abroad article. I applied for the Post Office and Abbey cards in the article but was turned down

I'll be working in Canada so will eventually have a Canadian bank account, but I need to spend somehow in the meantime, and I think I'll need more than just cash and travellers' cheques.

I also have a Citibank US account with a visa debit card that I applied for through Egg. Would this be the best thing to use for spending in America? What about using this in Canada?

benf90

Both the Egg Card and Egg Money card charge 2.95% commission on any transactions which have to be converted into sterling.

The charges will be detailed in your T&Cs. The T&Cs are fairly easy to find on the Egg website as they're accessible by clicking on the 'small print' option, without the need to do an application etc.

I have no idea about the Halifax charges as they don't appear to show the general T&Cs online. But, they have quite a few different cards anyway so you're best off contacting them to find out.

Just found this by going through the link on the Egg website for Citi bank US accounts:

"Spend overseas, just like a local. US Dollar and Euro Current Accounts come armed with a debit card which can be used fee-free at many Citi cash machines abroad. And purchases won’t attract any additional banking charges, so you’ll know exactly what you've spent without having to wait for your next bank statement*.

Free debit card transactions only apply to US Dollar or Euro denominated transactions carried out using a debit card linked to a corresponding US Dollar or Euro Current Account. Citi ATMs are located in selected countries only. In the Euro zone, these countries are: Belgium, Germany, Greece and Spain. To view a full list of the location of Citi ATMs worldwide, visit https://www.citibank.com/locations/atm_body.htm. Fees may apply at non-Citi ATMs and for withdrawals where the currency withdrawn does not correspond to the currency of the account."

So presumably, the debit card provided with your Citi bank account would be best.

cifpower

Halifax Debit

When you use your card to make a purchase in a foreign currency or withdraw cash using a foreign cash machine, the transaction amount will be changed to pounds sterling on the date we take it out of your account. This may not be the same date as the transaction is carried out. We will select the appropriate exchange rate which will always be reasonable one, then include a conversion fee of 2.75% of the total amount of the transaction. We also deduct a service charge of £1.50 out of your account immediately for each transaction.

Halifax One

Foreign Exchange Commission - 2.95%

benf90

I didn't check back through the original post before I wrote my reply.

After going on about Egg etc I just presumed it was the Halifax credit card the OP had, not the debit card