Halifax Clarity

Nicholas

Heng_Leng wrote: »

You are wrong.

Some ATMs in the UK will allow Euro or US withdrawals via Mastercard/Visa and are therefore no different than using a local machine in Spain/US but without surcharge.

Also, I've never seen any particular difference to using a foreign airport ATM v using a local one from the same bank.

Would you care to expand? Which ATM's can I go to and get the mastercard or visa rate in the UK using a good non-loading credit card without any surcharges? Is it specialist ones only available in some of our larger cities?

glider3560

Nicholas wrote: »

Would you care to expand? Which ATM's can I go to and get the mastercard or visa rate in the UK using a good non-loading credit card without any surcharges? Is it specialist ones only available in some of our larger cities?

As I alluded to in post #9 above, Raphaels Bank machines offer this for cards that don't have Link functionality.

You can find the location of these machines using (ironically) the Link ATM finder and selecting 'EUR' or 'USD' as the currency under 'Search Filters': https://www.link.co.uk/consumers/locator/

They are mostly in major cities, but there are a few in random places.

Nicholas

glider3560 wrote: »

As I alluded to in post #9 above, Raphaels Bank machines offer this for cards that don't have Link functionality.

You can find the location of these machines using (ironically) the Link ATM finder and selecting 'EUR' or 'USD' as the currency under 'Search Filters': https://www.link.co.uk/consumers/locator/

They are mostly in major cities, but there are a few in random places.

Thanks for the reply. I just don't understand what any of this has to do with non-loading UK credit cards (eg Halifax Clarity or Nationwide Select)? Or are you saying that these credit cards are treated differently to debit cards?

I did read your post, but it made little sense to me.

noh

Nicholas wrote: »

Would you care to expand? Which ATM's can I go to and get the mastercard or visa rate in the UK using a good non-loading credit card without any surcharges? Is it specialist ones only available in some of our larger cities?

From personal experience the Moneycorp ATMs in Stansted departures. When needed I use my Clarity card to obtain Euros from them without any surcharge.

noh

Also see this thread on the Travel forum.
https://forums.moneysavingexpert.com/discussion/52139842

System

Paully28 wrote: »

I know this is the best credit card for abroad spending,

Is it? How much cashack does it give you?

adindas

Paully28 wrote: »

I know this is the best credit card for abroad spending

Thanks Paul

You might want to say one of the best for abroad spending AND cash withdrawal.

beany_bot wrote: »

Is it? How much cashack does it give you?

As pointed out by beany_bot, if it is just for spending you will be better off with no foreign fee charge credit card but it will award you cashback as well for foreign purchase.

eDicky

noh wrote: »

From personal experience the Moneycorp ATMs in Stansted departures. When needed I use my Clarity card to obtain Euros from them without any surcharge.

MoneyCorp ATMs are also at Gatwick and Southend airports, but not others. Make sure that you select 'Without Conversion' when the screen announces MoneyCorp's hair raising conversion rate..!

PRAISETHESUN

If you decline DCC and accept to charge your card in EUR then it doesn't really matter which ATM you use as Halifax is doing the currency conversion, not the ATM provider. What does matter however is whether the ATM provider will charge you a fee for using it - many overseas or airport ATMs will charge fees so using an ATM owned by your bank will likely be the cheaper option.

adindas

PRAISETHESUN wrote: »

If you decline DCC and accept to charge your card in EUR then it doesn't really matter which ATM you use as Halifax is doing the currency conversion, not the ATM provider. What does matter however is whether the ATM provider will charge you a fee for using it - many overseas or airport ATMs will charge fees so using an ATM owned by your bank will likely be the cheaper option.

This is true. While most of the ATM at the airport in the EU did not charge ATM fee, there are still few of them do charge ATM fee even if you manage to decline DCC. It happened to me this year at the Budapest Airport but at the time I was in rush so did not spend time to check whether there was an ATM fee.

I have learnt it that the most common ATM who do this practice at the airport is the ATM owned by non-bank and/or some ATM with euronet sign on it. So at the airport if you are in the rush better to avoid these cash machines and look for Bank ATMs.