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  • FIRST POST
    • HAYDAN2002
    • By HAYDAN2002 30th Jun 18, 7:17 AM
    • 40Posts
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    HAYDAN2002
    0 WOW
    debit/ credit/prepaid cards for atm use in Greece
    • #1
    • 30th Jun 18, 7:17 AM
    0 WOW
    debit/ credit/prepaid cards for atm use in Greece 30th Jun 18 at 7:17 AM
    Hello
    i am going to Greece for a couple of weeks in September.
    I will be moving around and staying at different hotels.
    Sadly all the accommodation i will be staying at want cash.
    So i will need to make a number of large atm withdrawals.

    The last time i used my debit and credit card abroad i was stung with a lot of charges for using the card in this way.

    I was wondering if anyone had any advice for me.

    The card i am thinking of getting is WeSwap as i can load it with currency before i go and use it whilst out there like a card. It has no inactivity fees and i can make as many cash withdrawals as i want and is free if i make large ones.

    Has anyone used this card before or know of a better one.
    It will be for mainly used for pulling cash out of an atm.

    thank you for your help
    kind regards
    dan
Page 1
    • eDicky
    • By eDicky 30th Jun 18, 7:32 AM
    • 3,587 Posts
    • 1,757 Thanks
    eDicky
    • #2
    • 30th Jun 18, 7:32 AM
    • #2
    • 30th Jun 18, 7:32 AM
    https://www.starlingbank.com/

    https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

    https://loot io/
    • NoodleDoodleMan
    • By NoodleDoodleMan 30th Jun 18, 10:53 AM
    • 477 Posts
    • 153 Thanks
    NoodleDoodleMan
    • #3
    • 30th Jun 18, 10:53 AM
    • #3
    • 30th Jun 18, 10:53 AM
    Do not go looking for good deals at Greek Duty Free shops in airports or seaports - it's cheaper to buy the products in the local shops.
    • AlexMac
    • By AlexMac 2nd Jul 18, 11:15 AM
    • 2,059 Posts
    • 1,805 Thanks
    AlexMac
    • #4
    • 2nd Jul 18, 11:15 AM
    • #4
    • 2nd Jul 18, 11:15 AM
    I mostly use cash abroad when staying for short periods in unknown/new accommodation or in restaurants as I'm paranoid. I save my Halifax Clarity Credit card for hotels or other places I know and trust (just cos I'm paranoid don't mean they ain't out to get me!)

    If you've followed e-dicky's link above you'll know by now that you get a good rate on currency purchased prior by using this website's own tool
    https://travelmoney.moneysavingexpert.com

    and that best and worst Debit or pre-load cards can be a tenner or more adrift on a typical 250 Euro withdrawal; as I discoverd this March when we tried a Nationwide and a Natwest debit card on two 250 euro withdrawals moments aprt at an ATM; Natwest was a tenner dearer! (although I recall they may have boasted about a recent better rate or lower fee?)

    AND most of all, always pressing "no" when the AT machine invites you to pay in Euros or convert at their exchange rate. This seems counter-intuitive as we are programmed to say "yes" to weasel-worded Qs, but your home bank will always convert a a better rate.

    Happy travels
    • HAYDAN2002
    • By HAYDAN2002 4th Jul 18, 10:07 AM
    • 40 Posts
    • 1 Thanks
    HAYDAN2002
    • #5
    • 4th Jul 18, 10:07 AM
    • #5
    • 4th Jul 18, 10:07 AM
    thank you so much for all your replies.
    the thing is i dont want to walk round with too much cash.
    I am going to get a WESWAP card and load it up with currency as i think it will save me bank card fees.

    thank you
    • Gloomendoom
    • By Gloomendoom 4th Jul 18, 1:34 PM
    • 14,367 Posts
    • 19,203 Thanks
    Gloomendoom
    • #6
    • 4th Jul 18, 1:34 PM
    • #6
    • 4th Jul 18, 1:34 PM
    thank you so much for all your replies.
    the thing is i dont want to walk round with too much cash.
    I am going to get a WESWAP card and load it up with currency as i think it will save me bank card fees.

    thank you
    Originally posted by HAYDAN2002
    But could lumber you with fees of its own.

    Open an account with the Starling Bank instead. It only takes a few minutes.
    “Never argue with stupid people, they will drag you down to their level and then beat you with experience.” - Mark Twain
    • EveryWhere
    • By EveryWhere 4th Jul 18, 2:24 PM
    • 441 Posts
    • 196 Thanks
    EveryWhere
    • #7
    • 4th Jul 18, 2:24 PM
    • #7
    • 4th Jul 18, 2:24 PM
    But could lumber you with fees of its own.

    Open an account with the Starling Bank instead. It only takes a few minutes.
    Originally posted by Gloomendoom
    If they use the MSE link to Weswap and utilise the card optimally, it could work out better value, as you get an up to 5% bonus on topping up £500 or more.
    Then as long as they withdraw 200 euros or more each time, there won't be an ATM fee.
    So utilised optimally, it could be their best option.
    • Gloomendoom
    • By Gloomendoom 4th Jul 18, 3:28 PM
    • 14,367 Posts
    • 19,203 Thanks
    Gloomendoom
    • #8
    • 4th Jul 18, 3:28 PM
    • #8
    • 4th Jul 18, 3:28 PM
    If they use the MSE link to Weswap and utilise the card optimally, it could work out better value, as you get an up to 5% bonus on topping up £500 or more.
    Then as long as they withdraw 200 euros or more each time, there won't be an ATM fee.
    So utilised optimally, it could be their best option.
    Originally posted by EveryWhere
    A 5% bonus is pretty good. What exchange rate do they use?

    Edit: Answered my own question.
    Last edited by Gloomendoom; 04-07-2018 at 3:31 PM.
    “Never argue with stupid people, they will drag you down to their level and then beat you with experience.” - Mark Twain
    • benjus
    • By benjus 4th Jul 18, 4:05 PM
    • 5,169 Posts
    • 3,186 Thanks
    benjus
    • #9
    • 4th Jul 18, 4:05 PM
    • #9
    • 4th Jul 18, 4:05 PM
    I mostly use cash abroad when staying for short periods in unknown/new accommodation or in restaurants as I'm paranoid. I save my Halifax Clarity Credit card for hotels or other places I know and trust (just cos I'm paranoid don't mean they ain't out to get me!)
    Originally posted by AlexMac
    I certainly use cash a lot in Greece. Although card acceptance in Greece is high these days, Greek people often appreciate cash payment and you may get a discount for paying cash.

    Watch out for the "Euronet" ATMs which add a €2.95 charge.
    Let's settle this like gentlemen: armed with heavy sticks
    On a rotating plate, with spikes like Flash Gordon
    And you're Peter Duncan; I gave you fair warning
    • HAYDAN2002
    • By HAYDAN2002 10th Jul 18, 9:24 AM
    • 40 Posts
    • 1 Thanks
    HAYDAN2002
    thank you once again for your help
    yes will be pulling out over 200 euros every time i use an ATM to avoid the fees.
    its just a shame the accommodation places (small hotels) only want cash as it is a lot easier and safer to just transfer the money but i guess they are avoiding tax etc
    • benjus
    • By benjus 10th Jul 18, 9:27 AM
    • 5,169 Posts
    • 3,186 Thanks
    benjus
    yes will be pulling out over 200 euros every time i use an ATM to avoid the fees.
    Originally posted by HAYDAN2002
    Better option is just to use an ATM that doesn't charge fees. Most of them don't, in fact I think Euronet were the only ones I saw that did charge (although there were lots of Euronet ones around).
    Let's settle this like gentlemen: armed with heavy sticks
    On a rotating plate, with spikes like Flash Gordon
    And you're Peter Duncan; I gave you fair warning
    • EveryWhere
    • By EveryWhere 10th Jul 18, 10:06 AM
    • 441 Posts
    • 196 Thanks
    EveryWhere
    Better option is just to use an ATM that doesn't charge fees. Most of them don't, in fact I think Euronet were the only ones I saw that did charge (although there were lots of Euronet ones around).
    Originally posted by benjus
    The aforementioned fees would be from the WeSwap account, if withdrawing less than 200 euros.
    • NoodleDoodleMan
    • By NoodleDoodleMan 10th Jul 18, 11:31 AM
    • 477 Posts
    • 153 Thanks
    NoodleDoodleMan
    This is a winner - no fees when withdrawing cash, and when settling for goods or services etc.

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

    Works either way where hotels accept credit cards, or don't. as the case may be.
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