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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 19
    • hislopl
    • By hislopl 7th Jul 19, 3:03 PM
    • 4 Posts
    • 0 Thanks
    hislopl
    Addendum
    By the by, this query is about the Barclaycard Platinum Cashback Plus credit card - even though I replied to a thread about this, it seems to have lost the link !!
    • eDicky
    • By eDicky 7th Jul 19, 3:59 PM
    • 4,890 Posts
    • 2,988 Thanks
    eDicky
    The Barclaycard without overseas fees, whatever it was last called, is no longer available to new applicants, so it has been taken off the list of MSE recommended cards.
    • Pieman1972
    • By Pieman1972 31st Jul 19, 6:23 AM
    • 265 Posts
    • 47 Thanks
    Pieman1972
    Post Office Credit Card
    Morning all

    I have for the last few years had the Post Office credit card for foreign spend, but I notice that itís vanished off the latest report. I certainly didnít notice any changes in its T&Cís....does anybody still have the card?

    I will do my own investigations in parallel but thought I would ask on here.

    Thanks
    What should I put in here that won't upset people.........
    • EveryWhere
    • By EveryWhere 31st Jul 19, 7:01 AM
    • 2,550 Posts
    • 1,266 Thanks
    EveryWhere
    https://www.postoffice.co.uk/credit-card

    https://www.which.co.uk/news/2019/06/bank-of-ireland-sells-off-uk-credit-cards-what-will-happen-to-your-account/
    • Pieman1972
    • By Pieman1972 31st Jul 19, 7:17 AM
    • 265 Posts
    • 47 Thanks
    Pieman1972
    Thanks for the links....checking the website, there appears no changes in policies. Will see what happens over the next few months.
    What should I put in here that won't upset people.........
    • 2nd mortgage
    • By 2nd mortgage 5th Aug 19, 7:51 PM
    • 66 Posts
    • 20 Thanks
    2nd mortgage
    Halifax Clarity credit card for payments + Starling debit card for cash
    Hi all,
    I am heading off to Iceland for a holiday soon.
    I have a Halifax Clarity credit card which I have used abroad before. I pay it off in full every time there is a statement generated. I am always careful to use the local currency as the payment currency & let Halifax do the conversion.
    I have also recently opened Starling bank a/c & have a debit card. I believe there are no foreign currency transaction or ATM withdrawal fees for this card. If I want to withdraw some cash from acash machine in Iceland, am I correct that I choose the local currency & withdraw from any ATM without any problems?

    Thanks in advance
    • eDicky
    • By eDicky 6th Aug 19, 9:09 AM
    • 4,890 Posts
    • 2,988 Thanks
    eDicky
    Use your Starling debit card in exactly the same way as you have been using your Clarity (except of course having to pay off the balance etc.).
    • teena
    • By teena 18th Aug 19, 12:54 PM
    • 29 Posts
    • 3 Thanks
    teena
    I am confused
    Sorry to be a pain but perhaps I have just read too much and got myself in a muddle. If anyone could put me straight I would be so grateful.


    Am travelling to Italy next month for a week with my 3 kids. I usually rely on a small amount of euros (£100 worth), as we are all inclusive, and rely on my Saga credit card for any excursions or shopping.



    However there are some spanners in the works this year. Apparently there is a tourist tax which has to be paid in cash (about 112 euros for us) plus some trips may be cheaper bought there eg boat trips on the beach, which may not take credit cards. Also my Saga card is now withdrawn. I was thinking of getting a Tandem credit card (with 0.5% cashback) as a replacement credit card ( and I can use it in the UK when my American Express is not accepted )- is that a good idea?



    I am really not sure what to do about cash. I don't know how much I will need while there so I could get a big amount of cash eg £400 in euros (with the £1 falling at the moment ......) but then come back with a significant amount unused. I have seen Starling bank mentioned but don't really understand about charges eg iF I took £200 in euros and then found I needed more cash via an ATM how do I avoid any charges - do you pay charges by the day?


    Hope I have been clear about my confusion. Many thanks-grateful for any tips.
    Last edited by teena; 18-08-2019 at 5:42 PM.
    • eDicky
    • By eDicky 18th Aug 19, 4:10 PM
    • 4,890 Posts
    • 2,988 Thanks
    eDicky
    I have seen Starling bank mentioned but don't really understand about charges eg iF I took £200 in euros and then found I needed more cash via an ATM how do I avoid any charges - do you pay by the day?

    Hope I have been clear about my confusion. many thanks. grateful for any tips.
    Originally posted by teena
    Starling Bank has no charges for anything, and using it to withdraw euros from an Italian ATM will be cheaper (on the same day) than exchanging cash to take with you. Just make sure you always pay in euros, and decline any offer of 'Conversion' by an ATM.

    Tandem credit card is also fine, daily interest accrues after a cash withdrawal but it's only pennies if paid off quickly.

    I use and can recommend Starling and Tandem, take them both and you'll have no worries.
    • teena
    • By teena 18th Aug 19, 5:41 PM
    • 29 Posts
    • 3 Thanks
    teena
    Thanks so much. So that I am clear can I just open a Starling account and then if I need cash one day transfer money into it from my main current account first or should I put money in there before I go ( or does it not matter?)
    • eDicky
    • By eDicky 18th Aug 19, 6:37 PM
    • 4,890 Posts
    • 2,988 Thanks
    eDicky
    Thanks so much. So that I am clear can I just open a Starling account and then if I need cash one day transfer money into it from my main current account first or should I put money in there before I go ( or does it not matter?)
    Originally posted by teena
    Whatever is convenient. Starling may only be on your phone, but it's a real bank, your money has FSCS protection and even earns some token interest. It can be used for regular banking purposes and many people do so. You can send money to it at any time by Faster Payment, arriving instantly in my experience.
    • teena
    • By teena 19th Aug 19, 8:40 AM
    • 29 Posts
    • 3 Thanks
    teena
    Thanks you have been such a big help.
    • KTF
    • By KTF 11th Sep 19, 7:37 AM
    • 4,740 Posts
    • 1,941 Thanks
    KTF
    An update from Santander seems to suggest they will be scrapping foreign currency charges on their current account:

    ***
    Changes to foreign transaction fees (applies to savings accounts also) – effective by 15 December 2019
    You’ll no longer be charged for the following transactions:
    ° Foreign currency purchase fee for debit card payments, currently £1.25 per transaction.
    ° Cash withdrawal fee (including cash machines, purchase of travellers’ cheques or foreign currency at another bank, bureau de change or other outlet displaying the Visa or Mastercard sign abroad), currently 1.50% on each transaction.
    ° Single Euro Payments Area (SEPA) - non-urgent euro transfer, currently £15.00
    ***

    From: https://www.santander.co.uk/assets/s3fs-public/documents/general_t_cs_and_important_information_ca_savings_ august_19_do-ec-835.pdf
    • EveryWhere
    • By EveryWhere 11th Sep 19, 12:59 PM
    • 2,550 Posts
    • 1,266 Thanks
    EveryWhere
    An update from Santander seems to suggest they will be scrapping foreign currency charges on their current account:

    ***
    Changes to foreign transaction fees (applies to savings accounts also) – effective by 15 December 2019
    You’ll no longer be charged for the following transactions:
    ° Foreign currency purchase fee for debit card payments, currently £1.25 per transaction.
    ° Cash withdrawal fee (including cash machines, purchase of travellers’ cheques or foreign currency at another bank, bureau de change or other outlet displaying the Visa or Mastercard sign abroad), currently 1.50% on each transaction.
    ° Single Euro Payments Area (SEPA) - non-urgent euro transfer, currently £15.00
    ***

    From: https://www.santander.co.uk/assets/s3fs-public/documents/general_t_cs_and_important_information_ca_savings_ august_19_do-ec-835.pdf
    Originally posted by KTF

    What about the 2.75% forex fee? Will have a look through the document. It's not opening for me at the moment.
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