Debit card for use abroad

uncle-albert

Hi, is there an account available that'll alow my daughter to use her debit card abroad with no charges? She's 18 and currently a student and has already opened a HSBC student account but there are charges if she uses the debit card in europe. Thanks

MikeJXE

She shouldn't be using a debit card anywhere she should have a credit card. 

I spent 18 months in Gran Canaria and supplied for an and received a Halifax Clarity card. 

I withdrew Euros and then next day paid them off with my online account with a different bank

No charges whatsoever mind that was 2016

Band7

yes, quite a few: https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

grumbler

>> Travel credit cards

Don't believe the title. It's about debit cards too. For some reason it doesn't mention HSBC Global Money Account, but I'm not sure if it's available to students.

Also, there are

Prepaid travel money cards

adindas

uncle-albert said:

Hi, is there an account available that'll alow my daughter to use her debit card abroad with no charges? She's 18 and currently a student and has already opened a HSBC student account but there are charges if she uses the debit card in europe. Thanks

There are a few

Chase

Starling

Monzo

Metro Bank

HSBC Global Money account

You could also try

Fineco

WIse

WillPS

MikeJXE said:

She shouldn't be using a debit card anywhere she should have a credit card. 

I spent 18 months in Gran Canaria and supplied for an and received a Halifax Clarity card. 

I withdrew Euros and then next day paid them off with my online account with a different bank

No charges whatsoever mind that was 2016

Presumably you are not 18 years old though.

uncle-albert

Thanks all. I'll wade through these tomorrow.

MikeJXE

No I'm not but I would think everyone with any sense knows a credit card is safer than a debit card 

daveyjp

Plenty of options as above.  However 18 and a student may work against her when applying.

One option could be for an older adult with good credit score to open a credit card and add her as an additional card holder.

lr1277

daveyjp said:

Plenty of options as above.  However 18 and a student may work against her when applying.

One option could be for an older adult with good credit score to open a credit card and add her as an additional card holder.

No S75 protection as an additional card holder. Which may matter with certain purchases, possibly around flights and airlines.

WillPS

daveyjp said:

One option could be for an older adult with good credit score to open a credit card and add her as an additional card holder.

Although they should bear in mind that any debt the additional cardholder accrues will be the credit card account holder's to settle. You might be able to limit the potential damage by reducing the credit limit but that brings its own problems.

Monzo or Starling are better options, IMHO. I wouldn't want to be reliant on Chase alone abroad but that with Monzo or Starling as a backup would potentially be even better.