I got a second card on the same account for the wife and also a spare card for us both £5 each for the spares. you can activate and deactivate on the app or online if you loose a card. i left a card at an ATM foolishly i was so annoyed at being charged for the transaction i walked away and left my card so when i realised a couple days later i deactivated it and was able to see if it had been used. i went to the bank next day and card had been handed in and was able to retrieve by showing passport. Then i reenabled for use.
Rise free from care before the dawn
and seek new adventures.....
Caxton FX for cash, can't use at unmanned petrol station,can use with cashier.
Nationwide credit card for shopping and diesel if it's a better rate than we loaded Caxton card.
Another one for the Caxton card been using it for years you can put other currencies on it at same time handy if visiting more than one country on the same trip.
We just carry cash which usually means Polish Zloty, Euros and GBP. We have accounts in all three currencies so I just change from my Sterling income when I see a good rate and draw the notes from the bank, which I do for normal living at home.
We also carry cards in all three currencies if we need them, but have never done so except for one 24/7 automatic filling station in France.
We have places to hide the cash and never carry much out of the MH and only an emergency card - plus out-of-date ones to give muggers
Halifax Clarity Credit Card. We spend half the year or more out of the UK and use this card for everything. There is no charge for cash withdrawals if you pay it off within 48 hours and you get the Bank Rate of the day. Others may give you the same rate but no-one will give you a better rate. We have been using it for more years than I can remember and have never had any problems - providing you take all the obvious safety measures. We have only had it refused on one occasion - at the paying aire in Biarritz, which seems to reject all British cards.
Halifax Clarity card and Caxton for us. Always pay the Halifax card off immediately after drawing cash and have it set up to clear the balance every month.
Most credit cards are what’s called loaded.
This means if you use them outwith your own country you pay an additional 3%.
This even applies in the Irish republic.
You can get what’s called an unloaded card.
These cards don’t have any payback on them, but when abroad you can use them as if you are at home.
You can even use them to withdraw cash, and only pay interest of 1/12th your annual rate if you pay in full next payment.
There are no charges for withdrawing cash, only the interest which is currently 1.2 %. Ie £1.20 for every £100
But remember using a credit card to withdraw cash, can effect your credit rating.
I use the Halifax clarity card when abroad. There are no fees or annual charges, and it’s an unloaded card, so there is no 3% charge.
Here’s a link, take a look.
Halifax - Internet Banking
Last edited by Fisherman; 15-04-2019 at 06:21.
If we all agreed there would be no discussion, and it would be a dull boring world.
Caxton FX for everyday use, i.e. shopping, ATM withdrawals and Péage tolls etc.
When it was VISA backed it wasn`t accepted in the auto / unmanned / 24-7 fuel stations but now it is Mastercard backed i believe it is however i haven`t tried it.
The App is very good and i use it when abroad for everything, checking the balance and loading etc. etc. so i don`t need to get the laptop out just for that.
Halifax Clarity for use in the fuel stations particularly the unmanned / 24-7 ones which you come across in the middle of nowhere and are cheaper than the others.
We never draw cash on the Halifax Clarity then we don`t have to go to the bother of having to paying it back within 48 hours to stop any charges.
We pay the balance off " IN FULL " ( as you know who says ) every month to avoid any charges on that as well.
This regime works for us and we are happy with it
Other cards are available.
Trust No One
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