Caxton card (1 Viewer)

Khizzie

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As a total Dumbo about traveling in Europe can I please ask for some feedback as,to whether this card is the best or just use my normal visa debit card ? Also I understand that Caxton fx offer the French road toll Libor free ,is it a perpetual unit allowing continued use or has it a limited life. ?? Thanks in advance. Roy
 

Badknee

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As a total Dumbo about traveling in Europe can I please ask for some feedback as,to whether this card is the best or just use my normal visa debit card ? Also I understand that Caxton fx offer the French road toll Libor free ,is it a perpetual unit allowing continued use or has it a limited life. ?? Thanks in advance. Roy
We were also Caxton virgins but I've just loaded mine up with a thousand euros as the rate is good, I didn't bother with the toll tag as there are terms and conditions I didn't like but each to their own.
As will become apparent with the answers you will get on this thread there are quite a few other options.:xsmile:
 
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Khizzie

Khizzie

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Thanks for that,good to know,as I haven't heard any really bad I will get on and arrange mine now ..

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Nov 6, 2011
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Caxton ideal for withdrawing cash from ATM - no charges. Caxton good for standard purchases, shops, restaurants - no charges.
Only issue with a Caxton is use in un-manned fuel stops. For this I have a Halifax credit card - no charges and exchange is the rate of the day, with no rip off.

Just keep an eye on your balance with the Caxton, although you can do auto top-up.

Cheers,

Keith :cool:
 

Brisey

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We have been using Caxton cards for 3-4 years now with no problems.
Top up when the rate is good, draw out cash when we need it, no charge for using ATM's.
Brisey & Pamelaaaar.
 
Jun 17, 2012
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Caxton ideal for withdrawing cash from ATM - no charges. Caxton good for standard purchases, shops, restaurants - no charges.
Only issue with a Caxton is use in un-manned fuel stops. For this I have a Halifax credit card - no charges and exchange is the rate of the day, with no rip off.
.

As above here, debit card charges me £1.75 per use and currency exchange charge so stays in wallet.
Credit card on DD for full amount so pays balance due as we are away for 2 months.
One drawback is Caxton have now stopped balance check and top-up by SMS texts.
Now do online or their new app

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Techno

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Everything is so much easier with the REVOLUT card and APP with multiple currencies and the spot interbank rate ensuring it is always a better rate than regular cards like Caxton
 

Mother Ship

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Everything is so much easier with the REVOLUT card and APP with multiple currencies and the spot interbank rate ensuring it is always a better rate than regular cards like Caxton
The only thing I'm not keen on is that it is only charge free for a year and altho one might benefit slightly better exchange rates for a year, one might be disadvantaged in a years time to revert to Caxton, Travelex as having not used them might have to apply for new card/account. Their future charges are unknown and we know no charges for Caxton/Travelex.
 

Techno

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It is unlikely to change after a year. It has already been in business over a year.
That statement is just so they have the right to change it.

Within the app I can sell my 1,800 euros back for Sterling AND make a profit as I bought at 1:43 last month. This would take seconds to do and much faster than advance notice of introduction of any charges. AND if I choose transfer the Sterling back to my bank

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Mother Ship

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Thanks for clear explanation - I will look into loading app. Will be useful to me to be carrying one card for euros and dollars and not 2 Travelex cards that I have at moment.
 

Techno

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Thanks for clear explanation - I will look into loading app. Will be useful to me to be carrying one card for euros and dollars and not 2 Travelex cards that I have at moment.
At the moment you can carry Sterling Euros & Dollars and make cash withdrawals in UK. Caxton is way behind the times now.
 
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barista

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I suppose the only potential downside of currency cards is the lack of protection should they go bust. Possibly a small risk to gain an extra 2.5% or so on the rate?

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Techno

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I suppose the only potential downside of currency cards is the lack of protection should they go bust. Possibly a small risk to gain an extra 2.5% or so on the rate?
image.png
 

irnbru

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We got the Caxton card due to the good advice of funsters on a previous thread. I don't know if it went over my head at the time but didn't realise each time you get fuel it takes the money from your account plus a kind of safety net fee which we still to get our head around around 70-80 euros a time I think it was. Think it takes up to 3 weeks before this money goes back into your account. We stopped using it for fuel after we realised our accounts were empty although the transactions were "Pending" so we had in effect no money left to spend. More frequent users can explain better.

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Techno

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We got the Caxton card due to the good advice of funsters on a previous thread. I don't know if it went over my head at the time but didn't realise each time you get fuel it takes the money from your account plus a kind of safety net fee which we still to get our head around around 70-80 euros a time I think it was. Think it takes up to 3 weeks before this money goes back into your account. We stopped using it for fuel after we realised our accounts were empty although the transactions were "Pending" so we had in effect no money left to spend. More frequent users can explain better.
Caxton website does say not to use it for fuel.
 

Techno

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Actually it no longer says that? but it did when it was Visa.
All they say now is not to use at automated fuel stations as it won't work.
 
Jun 17, 2012
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Use mine to withdraw cash and pay for small purchases. Pay for fuel and bigger shop bills with credit card.
Just taken from Caxton site below:

I’ve loaded my Caxton FX card with Euros. Can I load another currency onto my card?
Yes you can. You can have any of the currencies listed above on your card at any one time. Simply choose the currency you want to load from the drop down within your account.

Can I load Sterling onto my card and use it on my travels?
Yes you can. You can load your card with Sterling and we will convert into the local currency at the time of the transaction.

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Techno

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I never realised that but it's not as slick as seeing all your currencies in your wallet at a glance nor as good a rate
image.png
 

Mags52

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We've used Caxton for four years plus a Saga credit card that has no charges if you pay it off each month. Works fine for us. We always used the Saga card for fuel. We topped up regularly online when we were away and the cash was available within a few minutes.
 

Techno

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Btw I also log in with just my fingerprint unlike Caxton where I have to type my email and password every time

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GeriatricWanderer

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I, like most others here, use my Caxton predominantly in Europe where I've never been charged for making an ATM withdrawal but be aware that when drawing other currencies in non-European countries some banks charge for cash withdrawals - others don't.
Just saying.
 

hilldweller

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As a total Dumbo about traveling in Europe can I please ask for some feedback as,to whether this card is the best or just use my normal visa debit card ?

We have had it refused occasionally. I think French tolls being one of them.

Never rely on a single CC.

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Aug 29, 2010
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You can load Caxton MasterCard with multiple currencies, including sterling and swap balances between each if your need for one of them ceases. I have never had a charge applied to an ATM withdrawal. Some Banks warn you during a transaction that they will impose their own charge and that is the point at which to cancel the operation and find another machine. A warning, though. Some ATM's now offer to work 'in your own currency' and apply an exchange rate. Since you're already loaded with the local currency, the answer should always be 'no' but it can be confusing at the 'point of sale'! We mostly use our Caxton for ATM cash and make purchases with our Nationwide Select CC which does not apply a transaction fee. I got fed up with Tesco Clubcard CC charging me something like 2.75% and applying a poor exchange rate every time. Also, our Nationwide Flexplus debit card allows fee free ATM withdrawals and seems to apply reasonable exchange rates. We don't use it for purchases though because there is a transaction fee. Preloading the Caxton scores when you are confident that a good rate is on offer and deterioration is imminent. How I wish I had a crystal ball pre Brexit! :):swear2:
 
May 23, 2008
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We use Caxton with very mixed views . Last year in Spain a garage charged us twice for the same transaction . Caxton eventually responded 7 months later. I contacted them 27 times and it got to the point I thought they'd gone bankrupt. Nobody ever returned my calls . Totally disgusting customer service throughout . Just using up my money left on the card now .
 

maxi77

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We use FairFX , very similar to Caxton. Has worked well for us for years, good rates most of the time, and can also be used to do direct transfers at good rates for free too which is good for big bills. Here in Portugal some suppliers will let you use their computer to pay the bill, no card fee for both of you. FairFX never charge us anything, but here in Portugal the Multibanco system which is far better than our cash machines in many respects does charge for cash withdrawals, presumably to fund the many other services they provide like bill paying, direct debit management, mobile top up etc that they do.

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Hymie

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Loaded £5000 on our Caxton last November, still working our way through it, never failed to work anywhere.

Loaded £1000 on Revolut around the same time, had €300 nicked by Banco Popular 1st time we used, and Revolut have been as much use as a chocolate teapot in trying to get it back.

Promises of being passed to this team or that team never materialised, I was told originally that they would request a refund for me and would ask for more info if and when they needed it, might take several weeks etc.

When I contacted them after quite a few weeks of hearing nothing I was told it was my responsibility to furnish any info to help with the claim on my first contact.

Gave up any hope of seeing that €300 a while back, still getting crap help from Revolut.

They won't see another penny of my money, once bitten twice shy.

Caxton for me any day
 
D

Deleted member 29692

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I've abandoned Caxton as the exchange rates aren't very good any more.

We just use Revolt now.

The one time I had an issue with Revolut, when an ATM had a wobbly, the in app support responded within a couple of minutes, identified the issue within the hour, told me what would happen and when the funds would be credited back. They were wrong, the credit happened a day before they said it would.

I can't fault their service at all.

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