Halifax Clarity Card

CaptainWales

Hi have got one of these and will be using in Spain for first time in few weeks. How do I find out the daily mastercard exchange rate? Is it available on the website? 

bagand96

You can look it up here: Mastercard Currency Converter | Currency Exchange Rate Calculator

CaptainWales

Thanks. And there are defiantly no charges if I use the card abroad as a credit card?  Might be an obvious question but never used it before so don't want to get stung with charges and also trying to work out how much hard cold cash I should take. 

Doshwaster

CaptainWales said:

Thanks. And there are defiantly no charges if I use the card abroad as a credit card?  Might be an obvious question but never used it before so don't want to get stung with charges and also trying to work out how much hard cold cash I should take. 

No charges for purchases as long as you pay the balance off IN FULL by the due date

You will pay interest (any any ATM fee - free machines are rare in Spain, especially in tourist areas) on any cash withdrawals until the balance is cleared. However, it works out as a few pence interest per day for each £100 so still cheaper than some money changers or bad debit cards.  

Neil49

If you need to withdraw cash from an atm in Spain you will typically pay a 4 to 6 euro charge imposed by the Spanish bank. You will be advised of the charge early on in the process and can cancel the transaction if you wish.