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HI HAVE JUST RETURNED FROM SPAIN USED THE N&P CARD WHICH I SAID I HAD GOT AM CLOSING THE ACCOUNT DOWN THE RATE WHAT THEY GAVE WAS WORSE THAN THE TOURIST RATE ALL THEY COULD SAY THAT WAS THE RATE THEY BOUGHT IT AT EVEN THOUGH I ASK WHAT THE RATE WOULD BE WHEN OPENING THE ACCOUNT AND WAS TOLD IT WOULD BE THE VISA RATE, SO IF ANY OF YOU HAVE DONE THE SAME HAS ME DON'T USE IT SO ITS BACK TO THE CARD SEARCH AGAIN,
Hi Kenny, my advice is to look at the MoneySaving Expert's website for his recommendations on the best cards to use for spending abroad. He has done all the hard work for you.
HI HAVE JUST RETURNED FROM SPAIN USED THE N&P CARD WHICH I SAID I HAD GOT AM CLOSING THE ACCOUNT DOWN THE RATE WHAT THEY GAVE WAS WORSE THAN THE TOURIST RATE ALL THEY COULD SAY THAT WAS THE RATE THEY BOUGHT IT AT EVEN THOUGH I ASK WHAT THE RATE WOULD BE WHEN OPENING THE ACCOUNT AND WAS TOLD IT WOULD BE THE VISA RATE, SO IF ANY OF YOU HAVE DONE THE SAME HAS ME DON'T USE IT SO ITS BACK TO THE CARD SEARCH AGAIN,
Thanks for the heads up.
As a N & P customer, I am interested in this one, and found >>this<<, which is as you stated above.
Here's a >>link<< to Wizzo's suggestion above. (Evening John).
Regards,
Jock.
______________________________________________________________ For "Our Mavis."
The rate is applied by VISA not the NPBS. In theory, two transactions with two fee free cards from different providers should get the same rate on the day.
I think that NPBS have two different current accounts and only one of them has the fee free rate. I would check this out.
Russell
______________________________________________________________ Our long trip around Europe - blog now online at www.swift-kontiki.co.uk
You transfer funds to it when you are happy with the (exchange) rate. the card gets "loaded" with Euro's so you dont have to worry about the exchange rate when spending abroad
It operates exactly the same as a mastercard credit/debit card !!
I would say that the Halifax Clairty credit card trumps that.
1.) No messing about 'topping up' or having to remember how much you have on the card.
2.) Set a direct debit up to clear it in full when you are abroad
3.) Excellent exchange rate - often better then the daily rate in my experience as we log our purchases in GBP and when we get the bill, it is always less.
4.) Fully insured, no worry if it gets cloned / used fraudulently because it's not "your" money they spend, issue a dispute and you don't have to pay that among until it's been investigated.
5.) If a fuel pump 'pre authorises' an amount of say 150 euro this does not effect your spending capacity.
6.) You get a £5 'bonus' payment if you spend more than £300 on the card.
Downside is that you get charged a minimal interest payment on any CASH withdrawn but at 12.9% APR it works out at just 1% a month so £1 on every £100 for every 30 days. You can minimise this by withdrawing cash towards the end of your statement date.
Alternatively, use the Caxton for withdrawing cash (it is always good to have a "back up" card anyway) and pocket the fiver - everyone's a winner!
I also used my N&P debit card in Europe over a two month period. on returning found the exchange rates very good and close to the BOE rate. There were NO charges and for ATM or purchases, No handling fees. No loaded exchange rates. The visa rate is the rate applied by visa when their card is used.
The difference is that N&P charge you only the visa rate. Lloyds, as I know to my great cost, add another bit on to that for themselves, and that together with ATM and purchase charges as well as handling fees can amount to several hundred pounds on a long trip.
Everything for me was as per the N&P link in previous posts so unless I am missing something I am at a loss to understand what the op's complaint is about.
You transfer funds to it when you are happy with the (exchange) rate. the card gets "loaded" with Euro's so you dont have to worry about the exchange rate when spending abroad
It operates exactly the same as a mastercard credit/debit card !!
Fair FX is even better! Very good exchange rates.
Very easy to use, never been refused anywhere. Chip & pin.
Very easy to top up via internet, phone call or text.
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For "Our Mavis."
