Best cards to use abroad.

Discussion in 'Motorhome Chat' started by Masman, Jan 13, 2015.

  1. Masman

    Masman Funster

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    Im looking for a card to use while travelling aroud Europe.I have a Yorkshire bank card that we have used for years with no problems using in shops supermarkets etc,but have never been able to use in automated petrol pumps :(.I can use it it if kiosk open.I am looking @ post office card or Halifax.Has anyone used these in petrol pumps etc.Any recommendations appreciated.(y).
     
  2. Jackyboy61

    Jackyboy61 Funster

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    We use FairFx ,but most cards are rejected at automated petrol pumps,just keep an eye on the fuel gauge and fill up when you see someone in the kiosk of the filling station usually after 9 o'clock in the morning.
     
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  3. Glandwr

    Glandwr Funster

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    It essential that you have at least two. There is nothing worse than being stuck overseas if your card is stopped for any reason.
    I have a preload card the Caxtonfx as my primary card. The preloading allows you to hedge against currency fluctuations to some extent (working against us at the moment). It will do what ever your switch card will here without any charges throughout Europe.
    I have only had problems with pay at pump fuel stations and CC operated machines that are getting more common on French aires. Beware if they operate an exit barrier, very often there is not a coin alternative (hence the need for a 2nd card or boltcutters LOL)
    Dick
     
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  4. Dave and Ginny

    Dave and Ginny Funster

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    I'm with the Norwich and Peterborough and my debit card works everywhere including pay at pump petrol stations. The best bit is that there are absolutely no charges levied for use abroad. Dave
     
  5. davidbaldam

    davidbaldam Funster

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    We use the Halifax clarity card which has been accepted all round the world, used in France, America, Singapore, Hong Kong, Australia and New Zealand with out any problems in any automated machine, well so far. (y)
     
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  6. Littlewheels

    Littlewheels Funster

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    Spot On, Never fails and no rip off exchange rates.
     
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  7. jenny and mitch

    jenny and mitch Funster

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    Yep.. N and P no probs and no charges.. My lady takes her Santander Zero card, for the same reasons.. (y)
     
  8. Stroppy Bird

    Stroppy Bird Funster

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    I use Post Office Credit card and have always managed to use it in the automated pumps. There are no charges associated with it for purchases. I use N&P debit card for withdrawals (and as a backup for purchases) as again, no charges for using it.
     
  9. Moodybrook

    Moodybrook Funster

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    Clarity is a credit card, can it be preloaded as I don't really want a credit card. However I would like it to work everywhere

    What is the cards characteristic that determines its usability, Master card/Visa or the issuer ??
     
    Last edited: Jan 13, 2015
  10. NickNic

    NickNic Funster Life Member

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    I have a Halifax Clarity card that has worked everywhere I tried it, most importantly automated tolls and petrol stations. The key thing about that card is that there are no transaction fees outside the UK which isn't the case with a lot of other cards.
    I also have a Caxton card but so far have only used that in ATMs.
     
  11. Serendipitous

    Serendipitous Funster

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    Suggest nationwide plus account debit for cash and select credit card for purchases. As long as you stick to that no commision/transaction charges. Halifax clarity card for purchases if you draw cash they charge interest, not a lot thoe
     
  12. NickNic

    NickNic Funster Life Member

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    None if you pay the full balance immediately the same as any other credit card. It's exactly the same for purchases.
     
  13. emmitdb

    emmitdb Funster

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    Hi Moody,

    Clarity is Mastercard.

    Somewhere on this thread I stated that I had preloaded this card on a recent trip. I didn't do it by much but, because we have a Hx Current account I was able to ensure that we were always in credit (sometimes not by much.)
    Their Strict rules say you can't artificially increase the credit of the card by doing so but I haven't been dragged into the Headmasters Office for what I did so I'll do it again next time.
     
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  14. Moodybrook

    Moodybrook Funster

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    So Mastercard is more acceptable everywhere(Europe) ? does that mean that Fairfx which is a preloader and Mastercard would also be good to go everywhere ?

    Or is it more to do with the issuer ? or is it whether it is a credit card or a preloaded card ?

    Sorry Masman seems like I am hijacking your thread but I am after the same thing as you. (y)

    :)
     
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  15. jtp890

    jtp890 Funster

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    travelex pre load used across france with no problem.
    Top up as required via internet.
     
  16. Serendipitous

    Serendipitous Funster

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    Hi, yes I preloaded the card and later had an interest bill for 50p or so. They eventually waived the charge as I'd only used the card in France and paid it off straight away. They argued the interest runs a month behind. Don't have this issue with nationwide.

    Post post edit, if you check the t&cs you pay interest on the cash even if you pay it all off at the end of the month as this interest charge equates to a transaction fee.
     
  17. NickNic

    NickNic Funster Life Member

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    Preloaded? It's a credit card, how do you preload it?
     
  18. Serendipitous

    Serendipitous Funster

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    credit cards can be preloaded by putting the card in credit. I sent via electronic banking a couple of hundred to cover initial purchases therefore at the start you have a positive balance and a negative one at the end. Least ways I did.
     
  19. emmitdb

    emmitdb Funster

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    On my Halifax account when I go on line it asks, (once I get onto the Account summary page, "Do you want to pay your credit card bill" or something very similar.
    Before I set off to France I went onto the account and I paid the outstanding amount on the card, despite it not being demanded of me and, in addition, I paid more in than the actual amount owing.
    This put me effectively in credit. I then took it from there and, on each occasion when I was getting near to the point where I was in debt, I transferred more money onto my card from my current account.

    Towards the end of the holiday, when I knew I had sufficient cash in my pocket to see me back to Blighty I did in fact use the card to pay for goods and finished up with a small debt on the card but all those amounts were on goods purchased and therefore did not attract a fee or charge. When the time came the Direct Debit paid that small amount off in full and therefore I didn't incur interest charges.
     
  20. Serendipitous

    Serendipitous Funster

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    Ok. Interest charges are only charged on Euro cash withdrawals from say ATMs. NOT purchases unless you don't pay off the card.

    Sorry just trying to make it clear I believe that the interst charges apply to any cash withdrawals in credit or not.
     
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