Halifax Clarity vs Revolut

atlantis187

I am wanting advice on which is best card to use abroad for my upcoming holiday to Turkey?

I have a Halifax Clarity Card
I have Revolut Card on the App

How do I check which has the best exchange rate on the day?
Should I order a Physical Revolut card incase I want to withdraw money from the cash machine?

eDicky

Use both and don't spend your holiday time trying to check exchange rates. Clarity uses the daily MasterCard rate on the date of settlement of a transaction, Revolut converts at the interbank rate at the moment of transaction or prior currency exchange on the app. There's not enough difference overall to worry about.

Instead of paying for a Revolut plastic card I would open a Starling Bank or Chase UK account, their debit cards are fee-free overseas, without delivery cost, and I'd have more confidence of receiving attention in case of any issues than with Revolut.

jbrassy

I agree with the poster above. I would use Halifax for regular card transactions, then order a Starling Bank card for ATM withdrawals. Starling Bank offer unlimited fee free ATM withdrawals abroad whereas Revolut limit them to £200 a month. I avoid using credit cards to withdraw cash due to the negative impact on credit file/history. 

atlantis187

I have a chase card aswel.
my main bank account is with First Direct so have a debit card for this, I've read on here this is pretty good to but is it any better than the above?

lr1277

Are you aware the FD debit card has fee free FX transactions? So you should be able to make purchases and withdraw cash fee free. Can't help with any fees imposed by the ATM operator and that is true for most if not all UK cards.