Fairfx vs. Caxtonfx

jnm21

It is all very confusing, but the part you seem to have missed is that the sterling cards don't charge a fixed amount abroad - seems that most providers prefer to load the rate instead - Caxton do it by 2.5%, FF by 1.5%.

Donnie

jnm21 wrote: »

It is all very confusing, but the part you seem to have missed is that the sterling cards don't charge a fixed amount abroad - seems that most providers prefer to load the rate instead - Caxton do it by 2.5%, FF by 1.5%.

Another misleading and oversimplified post. FairFx don't 'load the rate'.

The card rules are not at all confusing. It's just that some are a little slow on the uptake. Some people are just not good at these things. It's a fact. But it can only be explained so many times.

I make it as simple as possible for all, but when you get Trolls and Spammers posting misleading information, it makes it more confusing for many.

Once again......in the simplest terms.... the Euro and Dollar card is akin to going to a Bureau de Change. If you like the rate they offer, you buy at that rate. Simple.
The Anywhere card is tied to variable rates found here. You fill with £s and when you spend abroad you get the rate listed there minus 1.5%.

Read for yourself:

FairFx: What it costs

If you don't understand, take my word for it or rely on some of the people here who really don't understand.

nickyhutch

Donnie - you may very well be right in all you say, but I have to point out that you're incredibly patronising and rude. There's really no need.

Donnie

nickyhutch wrote: »

How is it? Well, it proves the point I made in my original post, if nothing else.

Yes, that your post brings no value to this thread. You have proffered no advice concerning Fairfx vs. Caxtonfx. Your post is more likely to inflame an argument than prevent one. So why don't you just go away.... unless you have some pertinent information regarding Prepaid Mastercards?

I'm guessing that you don't.

simontheiceman

Momentblur wrote: »

Hello, Just started looking into these and just wanted to ask where this figure came from, the moneysavingexp article on these is quoting a $2/1.50Eu charge for ATM withdrawals and with a quick scan of the Fairfx website any specific details don't appear easily accesible (sorry if I'm being blind).

Cheers

After a lot of digging, I did find a reference to the E1.50/$2 charge at the ATM on the FairFX website, but I couldn't navigate back there.
My business partner used this card and found there was only the E1.50 charge at the ATM and otherwise was charge free as a Euro card.

nickyhutch

Donnie wrote: »

Yes, that your post brings no value to this thread. You have proffered no advice concerning Fairfx vs. Caxtonfx. Your post is more likely to inflame an argument than prevent one. So why don't you just go away.... unless you have some pertinent information regarding Prepaid Mastercards?

I'm guessing that you don't.

You guess right - I don't; I was looking for information, and instead found an obnoxious, odious n0b (that would be you).

murphymum

I found the information I was looking for. I had read and re-read posts re Caxton and FairFX, ended up getting both cards, but have not loaded them yet. Off to Oz shortly, and thanks to the posts herein, have decided that FairFXAnywhere card is where I shall load the bulk of my money and load some onto Caxton global as backup. Have also got the Halifax Clarity card. Have I done the right things?

jnm21

Sounds like it to me - I would consider loading a moderate amount to the FairFX, a small emergency fund to the Caxton & then use internet banking to replenish each of them (don't put too many eggs in any basket).

Donnie

murphymum wrote: »

I found the information I was looking for. I had read and re-read posts re Caxton and FairFX, ended up getting both cards, but have not loaded them yet. Off to Oz shortly, and thanks to the posts herein, have decided that FairFXAnywhere card is where I shall load the bulk of my money and load some onto Caxton global as backup. Have also got the Halifax Clarity card. Have I done the right things?

The fundamentals are there, but I wouldn't bother to load any more on the Caxton Card for now. Instead I would use the Clarity Card in conjunction with Internet banking and the FairFx card as back up for when Internet access was not convenient.

Johnnyy_Boy

Donnie wrote: »

The fundamentals are there, but I wouldn't bother to load any more on the Caxton Card for now. Instead I would use the Clarity Card in conjunction with Internet banking and the FairFx card as back up for when Internet access was not convenient.

So if I had say £1500 to spend on holiday would I be better off to get a Clarity and use it to withdraw from ATM's and then pay off the bill in full at the end ?