Pre-paid € cards

Discussion in 'Continental Touring' started by JeanLuc, Aug 17, 2013.

  1. JeanLuc

    JeanLuc Funster

    Joined:
    Nov 17, 2008
    Messages:
    2,782
    Likes Received:
    1,859
    Location:
    Warwickshire
    I know many Funsters have the Caxton Card and having just returned from 4 weeks away and totted up the transaction fees on our credit card we are tempted to get a pre-paid card. According to Money Saving Expert, the two best options are FairFX or CaxtonFX (the former tends to offer a better FX rate apparently).
    Before taking the plunge, I would be interested to know Funsters' experience. For instance, are the cards generally accepted at fuel stations? (Particularly the unmanned variety where the only way to fuel is with a card.) Fuel would probably be our main use as that is what the credit card gets used for most at present.
    I understand the benefit in terms of accessing cash from an ATM, but want to know whether the pre-paid cards are accepted by merchants as freely as standard credit cards. Most of our travelling is likely to be in France, Belgium, Germany, Holland and Italy, although we may venture further afield with more time available now.

    Many thanks.
     
  2. icantremember

    icantremember Funster

    Joined:
    Sep 2, 2010
    Messages:
    5,064
    Likes Received:
    7,116
    Location:
    Nr Watton in Norfolk
    We have the CaxtonFX cards which are great for normal chip &pin purchases but find they are often not accepted at auto tolls and unmanned fuel pumps .
     
  3. hilldweller

    hilldweller Funster Life Member

    Joined:
    Dec 5, 2008
    Messages:
    26,465
    Likes Received:
    25,158
    Location:
    Macclesfield
    Caxton FX -- Mostly good but don't go without backup.

    What is good on Caxton is Text Top Up. Send a text to Caxton, which has debit card details logged and you get a top up, or you can request a text of current balance.
     
  4. Bailey58

    Bailey58 Funster Life Member

    Joined:
    Jun 23, 2010
    Messages:
    6,380
    Likes Received:
    9,666
    Location:
    Norfolk and Toftir.
    We were looking at pre-paid options before our trip in May but got turned down for the Saga card we applied for. Other threads suggest the reason was we don't borrow money, so we went on our credit card but won't do that again. £1.50 plus a percentage of each transaction, even though we had euros and Swiss Francs, petrol, tolls, food all took their chunk on the card. :Angry:
     
  5. peter marshall

    peter marshall

    Joined:
    Mar 5, 2009
    Messages:
    2,702
    Likes Received:
    1,701
    Location:
    Cleveleys,Lancashire
    Hi
    We got a Co-op Prepaid card this year from our local travel agency, good card no probs. Pete :thumb:
     
    • Like Like x 1
  6. Techno

    Techno Funster Life Member

    Joined:
    Jul 28, 2010
    Messages:
    13,861
    Likes Received:
    14,520
    Location:
    Leeds the one up North
    Last edited: Aug 17, 2013
  7. wiljoy

    wiljoy Funster

    Joined:
    May 23, 2008
    Messages:
    845
    Likes Received:
    931
    Location:
    Crook, Durham
    Used a Caxton card this year if France for the first time. No problems anywhere even at unmanned fuel stations in the mountains. After returning in July at least two hefty diesel purchases haven't been drawn on, yet.
    Speak as you find but it is ideal for us and it's nice not to be ripped off by the bank cards.
     
  8. lorger

    lorger Funster

    Joined:
    Jul 11, 2008
    Messages:
    6,190
    Likes Received:
    7,560
    Location:
    Dumfries
    Just back from our holidays and used Caxton card in 7 different countries with no problem. This is our second time abroad with it, we tend to top it up every now and again when the rate is good.

    We also have one for the USA and encountered more problems there with some supermarkets not accepting it.
     
  9. JeanLuc

    JeanLuc Funster

    Joined:
    Nov 17, 2008
    Messages:
    2,782
    Likes Received:
    1,859
    Location:
    Warwickshire
    Thanks all for the information. Particularly useful link from Techno100 to the CaxtonFX guidance page. I had not found that when researching earlier. Apparently not always a good idea to use it at unmanned fuel stations then!
     
    • Like Like x 1
  10. Techno

    Techno Funster Life Member

    Joined:
    Jul 28, 2010
    Messages:
    13,861
    Likes Received:
    14,520
    Location:
    Leeds the one up North
    It is fine if you have plenty of funds pre loaded. The ring fencing of funds is the only problem but this is the same with all cards, you just don't notice.
     
  11. pandj

    pandj Funster Life Member

    Joined:
    Jul 21, 2013
    Messages:
    493
    Likes Received:
    1,178
    Location:
    East Sussex
    Looking into one of these, what exchange rate do they use, is it the bank rate, tourist rate or their own? can't see any reference to it on their site.

    Paul
     
  12. peter marshall

    peter marshall

    Joined:
    Mar 5, 2009
    Messages:
    2,702
    Likes Received:
    1,701
    Location:
    Cleveleys,Lancashire
    The thing with this card is the euros come off at the on rate and we used it all over Spain n France with no probs.
     
  13. treetops1

    treetops1 Funster

    Joined:
    Feb 25, 2013
    Messages:
    887
    Likes Received:
    993
    Location:
    yorkshire
    We use fairfx never had a problem anywhere with it .the rate you get is the rate you purchase for .We use ours in France mainly fuel.sites ect .I still have a good bit left from last year i took a chance when the euro was 1.25 to the pound and it has saved us a lot of money .highly recomended.
     
  14. Chockswahay

    Chockswahay Funster

    Joined:
    May 29, 2012
    Messages:
    3,097
    Likes Received:
    4,796
    With my recent fiasco with Halifax Clarity (sorted now) I purchased (?) a FairFX card ready for out trip to France next month.

    According to MoneySavingExpert it is now the 'top' cash card :Smile:

    The order process was easy (online), I just bought £100 worth of Euros. If you do this through MoneySupermarket they waive the £9.99 joining fee :Smile:
     
  15. normanandsue

    normanandsue Funster

    Joined:
    Dec 31, 2010
    Messages:
    1,298
    Likes Received:
    3,904
    Location:
    Dunfermline - Scotland
    The only conversion rate is when you load the card, so it will be the rate they offer you,

    We used Thomas Cook prepaid card - this is Visa and was accepted. However I bank with Nationwide and their credit card does not charge for overseas transactions and they use the current exchange rate so we often found we got a better rate on our Credit card than we would have got if we had done a cash exchange.

    Norman
     
  16. callumwa

    callumwa Read Only Funster

    Joined:
    Jan 16, 2011
    Messages:
    4,113
    Likes Received:
    4,517
    Location:
    Tyne & Wear, sometimes..
    Just use a Halifax Clarity......... No fees, good rate.... Chocks (wye aye) has one too......:Wink:

    No need to worry;

    Did I put enough cash on it:Doh:
    Did I top up it at a "good" rate,:RollEyes: hope it won't improve now.....:cry:
    Will it get accepted at unmanned fuel stations late at night or on a Sunday...:Doh:
    If I have an unexpected "crisis" is there enough on the FX/Caxton card to cover it. :RollEyes:


    Halifax Clarity for us, worked now in 8 countries over the last 5 weeks (and many more over 2 years) including unmanned fuel stations. :thumb::thumb::thumb:



    :BigGrin:
     
  17. BritStops

    BritStops Trader BritStop Owner

    Joined:
    May 31, 2010
    Messages:
    425
    Likes Received:
    540
    Location:
    Cambs
    The only place we couldn't use our Caxton cards in Europe this summer (we got one in Euros and one in pounds) was when shopping in Lidl, but then I think I'm right in saying you can only use cash in the UK Lidls too.

    Steve :Smile:
     
  18. tony_g

    tony_g Funster

    Joined:
    Aug 29, 2010
    Messages:
    378
    Likes Received:
    187
    Location:
    Nuneaton,some of the time
    Yes
     
  19. patch

    patch Read Only Funster

    Joined:
    Nov 25, 2012
    Messages:
    58
    Likes Received:
    6
    Location:
    WEYMOUTH
    Lidl let you use a debit card in UK :Smile:
     
  20. callumwa

    callumwa Read Only Funster

    Joined:
    Jan 16, 2011
    Messages:
    4,113
    Likes Received:
    4,517
    Location:
    Tyne & Wear, sometimes..


    They let you use credit cards and cash too.........:Wink::Wink:


    Also the Lidl's in Europe do as well........:RollEyes::RollEyes:



    :BigGrin:
     

Share This Page