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  • FIRST POST
    • Former MSE Sam M
    • By Former MSE Sam M 13th May 15, 3:43 PM
    • 238Posts
    • 159Thanks
    Former MSE Sam M
    0 WOW
    Travel credit cards
    • #1
    • 13th May 15, 3:43 PM
    0 WOW
    Travel credit cards 13th May 15 at 3:43 PM
    Hi!

    This is the discussion thread for the



    Click reply below to discuss. If you havenít already, join the forum to reply. If you arenít sure how it all works, read our New to Forum? Intro Guide.


    Thanks folks,
Page 17
    • EveryWhere
    • By EveryWhere 30th Jan 19, 2:11 AM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Just a note on the travel credit card guide on the main site.
    Barclaycard Platinum cashback looked the best for me, so I started an application.
    Despite the article saying that "The Barclaycard Platinum Cashback Plus card has no fees on spending or cash withdrawals overseas", I checked the T&C and they wanted to charge me £2.99 per non-sterling transaction.
    Time to revisit the article perhaps??
    Originally posted by Epona
    You just mis-read or it isn't the Platinum Cashback Plus. No fees until September 2023. Only then does the 2.99% kick in.
    • Shugg McGlummfer
    • By Shugg McGlummfer 31st Jan 19, 10:30 AM
    • 8 Posts
    • 0 Thanks
    Shugg McGlummfer
    Bear in mind that you may be offered a derisory limit with Barclays. I have a 900+ credit rating and they gave me £400 and wouldn't increase it, so I immediately cancelled the card and opened a Halifax Clarity which is perfect. Bear in mind also that for Europe, if you want to use a debit card to control your spending, Metro Bank is way the best. I live in Edinburgh and obtained one on one of my trips to London.
    • pollypenny
    • By pollypenny 1st Feb 19, 2:49 PM
    • 26,798 Posts
    • 70,566 Thanks
    pollypenny
    Could be of interest to some - the Saga card is to finish in March.

    It was one of the recommendations, if you qualified as over 50.
    Member #14 of SKI-ers club

    Words, words, they're all we have to go by!.

    (Pity they are mangled by this autocorrect!)
    • chog
    • By chog 5th Feb 19, 4:30 PM
    • 3 Posts
    • 0 Thanks
    chog
    Halifax Clarity
    Got the Clarity card to replace the Saga one. It says there is no fee for cash withdrawals but when I phoned, I was told if I paid for foreign currency in this country, I would be charged 3% and interest from day 1. This compares very poorly with Saga which charged no fee and no interest if the statement was paid in full. Are ther any cards which mirror the Saga one?
    • EveryWhere
    • By EveryWhere 5th Feb 19, 4:43 PM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Got the Clarity card to replace the Saga one. It says there is no fee for cash withdrawals but when I phoned, I was told if I paid for foreign currency in this country, I would be charged 3% and interest from day 1. This compares very poorly with Saga which charged no fee and no interest if the statement was paid in full. Are ther any cards which mirror the Saga one?
    Originally posted by chog

    What's the point of paying for foreign currency in this country with the Clarity? You have it all topsy turvy...
    • eDicky
    • By eDicky 5th Feb 19, 5:12 PM
    • 4,936 Posts
    • 3,035 Thanks
    eDicky
    It says there is no fee for cash withdrawals
    Originally posted by chog
    ... From an overseas ATM. Simply use your Clarity for payment whenever possible.
    • EveryWhere
    • By EveryWhere 5th Feb 19, 8:50 PM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Got the Clarity card to replace the Saga one. It says there is no fee for cash withdrawals but when I phoned, I was told if I paid for foreign currency in this country, I would be charged 3% and interest from day 1. This compares very poorly with Saga which charged no fee and no interest if the statement was paid in full. Are ther any cards which mirror the Saga one?
    Originally posted by chog
    Indeed, perhaps my reply was to abrupt.
    These days, the thing is to use the card abroad. Purchasing and withdrawing cash from the ATM abroad brings you the best benefits(much better exchange rate than obtaining foreign cash in the UK).
    The caveat is that you need to pay off any balances asap, as ATM withdrawals begin to accrue interest straight away.

    If you want a card that is similar or better than the SAGA Platinum, the accepted replacement is the Barclaycard Platinum Travel or the Barclaycard Platinum Cashback Plus.

    With these cards, for a limited time(three to four years), there is no interest on cash withdrawals and purchases made abroad, as long as you pay off the full statement balance.

    https://www.barclaycard.co.uk/personal/platinum-travel-credit-card

    https://www.barclaycard.co.uk/personal/credit-cards/platinum-cashback-plus
    • adamsb
    • By adamsb 6th Feb 19, 8:08 AM
    • 1 Posts
    • 0 Thanks
    adamsb
    following Martin's advice on last week's programme I also took out the Barclaycard Platinum Cash Plus.In looking at the small print I see that it says there is a 2.88% charge for every transaction. I never had this with Saga( who are unformtuantely going) and will use my Halifax card Has anyone experiende this charge for using the Barclaycard abroad.
    It may be good for cash but that means you have to get the cash out of a machine and then run off and make a transfer to the card. you can't always do this quickly on holiday
    What do people find to be the best replacement to the Saga card
    • eDicky
    • By eDicky 6th Feb 19, 9:08 AM
    • 4,936 Posts
    • 3,035 Thanks
    eDicky
    https://www.barclaycard.co.uk/personal/credit-cards/platinum-cashback-plus

    No fees abroad. This means you won’t pay fees on non-sterling purchases and cash withdrawals until 31 August 2023
    It's only after that date that the terms revert to the fees you saw.
    • veryintrigued
    • By veryintrigued 7th Apr 19, 6:36 PM
    • 2,816 Posts
    • 2,393 Thanks
    veryintrigued
    South Korea ATM withdrawals - best bank?
    Hi there

    Seasoned travellers here and we've been amazed that whatever bank we try to withdraw cash from using our trusted Barclaycard Credit Card charges us a minimum of 3000 won for each withdrawal.

    Looking on the internet (where lots of US travellers have fedback similar experiences) am struggling to find much recent UK experience. And the KB banks that are recommended still charge

    We have a Barclaycard and Clarity with us.

    TIA
    • Neil49
    • By Neil49 7th Apr 19, 7:08 PM
    • 1,536 Posts
    • 797 Thanks
    Neil49
    Hi there

    Seasoned travellers here and we've been amazed that whatever bank we try to withdraw cash from using our trusted Barclaycard Credit Card charges us a minimum of 3000 won for each withdrawal.

    Looking on the internet (where lots of US travellers have fedback similar experiences) am struggling to find much recent UK experience. And the KB banks that are recommended still charge

    We have a Barclaycard and Clarity with us.

    TIA
    Originally posted by veryintrigued
    Your best bet is to withdraw larger amounts of cash each time and minimise the number of £2 ish charges imposed by the bank.

    I think you will have to accept the fact that banks in South Korea charge for ATM withdrawals and just get on with enjoying your holiday.
    • veryintrigued
    • By veryintrigued 13th Apr 19, 8:34 PM
    • 2,816 Posts
    • 2,393 Thanks
    veryintrigued
    Hi there

    Seasoned travellers here and we've been amazed that whatever bank we try to withdraw cash from using our trusted Barclaycard Credit Card charges us a minimum of 3000 won for each withdrawal.

    Looking on the internet (where lots of US travellers have fedback similar experiences) am struggling to find much recent UK experience. And the KB banks that are recommended still charge

    We have a Barclaycard and Clarity with us.

    TIA
    Originally posted by veryintrigued
    Similar story in Japan.

    One large withdrawal made and after trying multiple banks all would charge us.

    Using Clarity wherever we can to minimise ATM withdrawals.

    This article needs to updated to reflect that even using the best cards out there it's difficult to escape ATM fees in some countries.
    • EveryWhere
    • By EveryWhere 14th Apr 19, 4:17 AM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Similar story in Japan.

    One large withdrawal made and after trying multiple banks all would charge us.

    Using Clarity wherever we can to minimise ATM withdrawals.

    This article needs to updated to reflect that even using the best cards out there it's difficult to escape ATM fees in some countries.
    Originally posted by veryintrigued
    Should not be difficult. Did you do your research?

    Most - although not all - international ATMs will deduct minor service fees, often around 108 yen during normal hours and 216 yen during off-peak hours and weekends. Costs can increase to around 432 yen if you withdraw more than the limited yen amount, such as 100,000 yen from Japan Post banks. Seven Bank ATMs are free, but Japan Post charges 105 JPY going up to 210 JPY on weekends and holidays

    https://transferwise.com/us/blog/atms-in-japan
    • EveryWhere
    • By EveryWhere 14th Apr 19, 4:23 AM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Hi there

    Seasoned travellers here and we've been amazed that whatever bank we try to withdraw cash from using our trusted Barclaycard Credit Card charges us a minimum of 3000 won for each withdrawal.

    Looking on the internet (where lots of US travellers have fedback similar experiences) am struggling to find much recent UK experience. And the KB banks that are recommended still charge

    We have a Barclaycard and Clarity with us.

    TIA
    Originally posted by veryintrigued
    https://www.triptipedia.com/tip/Qwcs7Ao/korean-atms-withdrawing-money-in-south-korea-without-fees

    Report from the 22nd of March there that they were not charged by KB.
    • veryintrigued
    • By veryintrigued 14th Apr 19, 8:26 AM
    • 2,816 Posts
    • 2,393 Thanks
    veryintrigued
    Should not be difficult. Did you do your research?




    https://transferwise.com/us/blog/atms-in-japan
    Originally posted by EveryWhere
    Yep - seven charge now.

    Visited them two days ago and have visited Japan three times in the last seven years.

    I guess that constitutes research.

    Cheers for the input.
    • veryintrigued
    • By veryintrigued 14th Apr 19, 8:27 AM
    • 2,816 Posts
    • 2,393 Thanks
    veryintrigued
    https://www.triptipedia.com/tip/Qwcs7Ao/korean-atms-withdrawing-money-in-south-korea-without-fees

    Report from the 22nd of March there that they were not charged by KB.
    Originally posted by EveryWhere
    Again - one of the ones we visited and got charged.

    You must have missed our OP where we stated that we'd been charged by KB.

    Cheers again for your input.
    Last edited by veryintrigued; 14-04-2019 at 11:38 AM.
    • EveryWhere
    • By EveryWhere 15th Apr 19, 6:54 AM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    Again - one of the ones we visited and got charged.

    You must have missed our OP where we stated that we'd been charged by KB.

    Cheers again for your input.
    Originally posted by veryintrigued

    No, I didn't miss it. Just wondered why someone reported not being charged just last month, but yet you were charged this month.
    Could it be that everything changed in the April or that not all ATMs from the same company charge?
    • EveryWhere
    • By EveryWhere 15th Apr 19, 7:57 AM
    • 2,864 Posts
    • 1,426 Thanks
    EveryWhere
    https://www.sevenbank.co.jp/intlcard/index2.html

    No sign of charges. The other thing being that some are reporting being charged using VISA, but not with Mastercard. So not a uniform experience.

    In addition to the above;

    but in the interest of avoiding fees make sure to only withdraw between 9am and 6pm (some machines allow 830am to 630pm) and never on weekends or public holidays since ATMs here charge “overtime” fees outside of those hours, even if the transaction would’ve normally been free.
    https://www.ozbargain.com.au/node/359796#comment-5615719
    • 695XSR
    • By 695XSR 17th Apr 19, 10:55 AM
    • 1 Posts
    • 0 Thanks
    695XSR
    Cards debiting in euro
    Hi, have recently opened a Starling account and am waiting to be allowed to open a Euro account with them.
    I have a debit card on the new account but wonder if the debit card will debit the euro account directly (allowing me to choose when to purchase euro's) or will it debit the sterling account using the exchange rate on the day?
    As an alternative, are there any credit cards available in the UK that transact only in euro's? I could set the direct debit up to debit the Starling euro account once opened to take advantage of exchange rates as I see fit.
    Many thanks
    Andy
    • funkyronster
    • By funkyronster 22nd May 19, 10:39 AM
    • 7 Posts
    • 2 Thanks
    funkyronster
    Which travel card for ex Saga holders?
    Hi all

    Having been unceremoniously dumped by Saga, I am now looking for a replacement travel card.

    I plumped for the Barclaycard, but that proved to be useless because they need to see a regular income. I am retired and I just draw drown from my ISAs and SIPP on an irregular basis, and despite assets in six figures, that's not good enough for them, so that was that.

    But I don't want to be making too many card applications ... so does anybody have any suggestions who to try next?

    Cheers
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