Wasn't thinking

NowRetired

While on holiday in Portugal my wife had an accident and was carted off to a private clinic for an x-ray.

Total cost €448. Hopefully to be repaid by insurance.

On being presented with the credit card machine I took out my emergency (while I am abroad) Capital One credit card and used that instead of my Nationwide credit card.:eek:

I have just checked my statement online and the €448 was converted to £386.67 and also a 2.5% charge of £10.63 was added for using my card abroad making a total of £397.30.:eek:

What would Nationwide have charged?

Will the insurance pay £397.30 or £386.67 or their own equivalent of €448?

I still have another claim to make but that is in £s and probably will come out of the excess.

Also how do I get a euro symbol on here?

There is one on my keyboard on the 4 key.

Windows 8.

grumbler

NowRetired wrote: »

What would Nationwide have charged?

2.5% and the rate would be very close to http://www.visaeurope.com/en/cardholders/exchange_rates.aspx

Will the insurance pay £397.30 or £386.67 or their own equivalent of 448 euros?

I guess they will pay per the hospital bill and use the visa (or interbank) rate on the day of transaction.

Also how do I get a euro symbol on here?

Alt Gr + 4

dalesrider

NowRetired wrote: »

Will the insurance pay £397.30 or £386.67 or their own equivalent of 448 euros?

I would take it they would need proof of the payment. As such send then a copy of your CC statement and you should be refunded, the amount you got charged.

NowRetired

I would take it they would need proof of the payment

I have a receipt not just a credit card statement taken from my online account.

I have receipts for everything all scanned into my computer.

Farside

grumbler wrote: »

2.5% and the rate would be very close to http://www.visaeurope.com/en/cardholders/exchange_rates.aspx

I guess they will pay per the hospital bill and use the visa (or interbank) rate on the day of transaction.
Alt Gr + 4

i thought nationwide had commission-free purchases abroad?

NiftyDigits

Farside wrote: »

i thought nationwide had commission-free purchases abroad?

They do. If you hold one of their old credit cards, the commission for Europe is zero. For the new standard CC, it is 2%, not 2.5% as grumbler suggests.
I think the new Select card also carries no commissions.

grumbler

What 'purchases' if it was an ATM withdrawal?

2.5% is cash advance fee.
Currency exchange loading is 0% for Select.

NiftyDigits

grumbler wrote: »

What 'purchases' if it was an ATM withdrawal?

2.5% is cash advance fee.
Currency exchange loading is 0% for Select.

ATM withdrawal?

From the OP

On being presented with the credit card machine...

Also there is no mention of Select card, but I guess it is possibly the older CC that doesn't charge anything for European usage.

grumbler

My apologies. It was my misunderstanding.