Where do I find credit card exchange rate

Options
Hi - my 1st post, hopefully someone can answer thx.

IF I USE MY SANTANDER ZERO CREDIT CARD IN SPAIN.

There is no loading on it.
How would I find out what the currency exchange rate for this would be?
The exchange rate varies between 1.12Euros & 1.17Euros to the £ just now depending on where u go.
So as above, I am wondering where I can find out what the Santander exchange rate would be.

I phoned Santander and they didn't know !

Many thanks if anyone knows.

Comments

  • chattychappy
    chattychappy Posts: 7,302 Forumite
    Options
    Though not the official rate, I've found Zero gives you a rate pretty much centred on on the rate at https://www.oanda.com (on the home page), at the time of writing 1.1918. Timing might might mean you get a bit more or less.

    It will be better than "tourist rates" you might see published/displayed.
  • Pedro1874
    Pedro1874 Posts: 16 Forumite
    Options
    You will get the Mastercard exchange rate (google it) for a Santander Zero card and the Visa exchange rate (google it) for a Nationwide debit or credit card. These are the two cards I use and I consistently get the best market rates available.
  • dzug1
    dzug1 Posts: 13,535 Forumite
    First Post Combo Breaker
    Options
    You can't find out in advance what it is - it isn't set until the transaction actually goes through (which may be the next day or even later if the retailer is slow in putting his 'end of day' through)

    http://www2.visaeurope.com/personal/travellingabroad/exchange.jsp will give an approximation - yes I know it's visa but it won't be much different.
  • BenL
    BenL Posts: 3,189 Forumite
    Options
    If the place in Spain offers (or tries anyway) to bill you in UK£ refuse it and get them to charge you in Euros.

    They will be offering a terrible exchange rate and pocketing the difference.

    Ben
    I beep for Robins - Beep Beep
    & Choo Choo for trains!!
  • davetrousers
    davetrousers Posts: 5,862 Forumite
    First Post First Anniversary Combo Breaker
    Options
    BenL wrote: »
    If the place in Spain offers (or tries anyway) to bill you in UK£ refuse it and get them to charge you in Euros.

    They will be offering a terrible exchange rate and pocketing the difference.

    Ben

    YES this is a big thing to remember.
    .....

This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 343.7K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.8K Work, Benefits & Business
  • 608.8K Mortgages, Homes & Bills
  • 173.3K Life & Family
  • 248.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards