Spending in Europe

Discussion in 'Motorhome Chat' started by Biged, Dec 16, 2013.

  1. Biged

    Biged Read Only Funster

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    What the best way to pay for things in Europe, things like Diesel, tolls, site fees etc.

    Always taken cash before, but had no site fees then and tolls were for a car and if unmanned then we paid by UK debit card, we also used less fuel than we are likely to with our MH.

    We are off to France at the end of March and just wondered what everyone else does :thumb:
     
  2. jenny and mitch

    jenny and mitch Funster

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    Join N and P building society. Their gold account does not charge for withdrawals abroad and you only need to put £500 in per month...
    Mitch.
     
  3. Phill D

    Phill D

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    we use a Caxton fx card when we shop i.e. Aldi or lidle etc, even the odd restaurant. for tolls we use our credit card. and only carry a small amount of cash at any one time.
    you can draw cash from a ATM with the Caxton.
     
    Last edited: Dec 16, 2013
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  4. Phill D

    Phill D

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    PS. we avoid using anything directly connected to our current account unless theres an absolute must. that way it reduces any risk of access to "your Money":thumb:
     
  5. callumwa

    callumwa Read Only Funster

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    Halifax Clarity Card, every time.....

    .....just search previous posts, best exchange rates, no need to pre load, no fees for purchases.

    We spent, spent, spent for 6 weeks in Europe this summer before we even had to pay for a penny of it.....:thumb:

    How good is that, just pay off in full each month by automatic Ditect Debit....




     
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  6. Bailey58

    Bailey58 Funster Life Member

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    Posted on another thread that we applied for a Saga CC for the no foreign transaction fee back in May but got turned down :Angry: so had to use our usual CC and got hit with fees for tolls, diesel and all the usual stuff, probably £40 in all. Applied again by phone at the weekend and got accepted this time but saw the Clarity Card post and got that online instead. Saga can stuff their card when it arrives. It helps if you have a borrowing history in recent years, we don't as we pay our card in full each month and our credit rating was too good as I later discovered on Experian. :Blush:
     
  7. grasscutter

    grasscutter Funster Life Member

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    We use Saga credit card. No transaction fees for use abroad.
     
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  8. Larby

    Larby Funster

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    This year, used Caxton card for cash and got a Post Office C/C
    The C/C offers

    Pay no fees: on any purchases you make overseas in a foreign currency, even when you’re shopping from home, online or over the phone
    Pay no cash feeCash Fee was formerly known as the Cash Advance Fee: when using your Credit Card to buy travel money at the Post Office
    Pay 0% interest: on all your purchases for the first three months

    Whatever you do, take 2 credit cards from different banks. If 1 is lost or stolen and blocked you have another.
    We had a Caxton card each in case as well, (separate accounts).

    Draw cash before you run out. We were on an Aire for 2 weeks with market every day in the town. Therefore the only ATM took hammering for ready cash and ran out on Sunday, not replenished until Tuesday.
     
  9. peter marshall

    peter marshall

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    We use the Co-oP prepaid card just pick it up in the travel agents id required used it everywhere no charges, Atm use also. Pete :thumb:

    Ps checkable used amount etc on your computer to show balance.
     
    Last edited: Dec 16, 2013
  10. Rapide561

    Rapide561 Read Only Funster

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    Cards

    Hi

    I use N&P fee free debit card for cash withdrawals and Halifax Clarity credit card for spending. Just a small amount of cash to hand, just in case.

    I dumped Caxton as the rates from the two cards above were better - see here for my actual rates and results.

    There are other fee free debit cards available - Metro Bank is one, Cumberland BS another. There are various fee free credit cards.

    Russell
     
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  11. Larrynwin

    Larrynwin Funster

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    We use Caxton cash card, back up with bank credit or debit card and some cash :thumb:
     
  12. mariner

    mariner Funster Life Member

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    N&P is the best and the Halifax Clarity or Nationwide credit card, as backup.

    Forget the rest.

    Don't just think about charges also think about exchange rates and when you do, you will know that these cards are the only way to go, as things currently stand.

    :Smile:
     
  13. Snowbird

    Snowbird Funster Life Member

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    Nationwide credit card, set up to pay the balance at end of month for diesel, meals, paeage, campsites etc or anywhere they will take Visa. Caxton FX for drawing cash out of the hole in the wall. Other than that, good old cash.
     
  14. Hymerm60

    Hymerm60 Read Only Funster

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    Money Card

    We used a money card from the post office, you preload it with as many Euros as you want and top up if necc on the internet whilst away, it is not connected to your normal bank account, we used it without trouble this year except for the unattended fuel stations.
    :BigGrin:
     
  15. MikeandCarolyn

    MikeandCarolyn Read Only Funster

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    For a 3mth trip we will both take €3,000 :BigGrin: That covers most things,and we use debit card for fuel and expensive restaurant meals.
    Can't be doing with getting new cards and learning new passwords etc :BigGrin:

    Mike
     
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  16. callumwa

    callumwa Read Only Funster

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    So as I read it, you carry €6000 cash at the start of your trip....?:Eeek:


    If so you're MAD.....:Doh:


    If I read it wrong I'm stupid and sorry........:Blush:


     
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  17. JockandRita

    JockandRita Funster Life Member

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    Here's another vote for the N&P Debit card for cash withdrawals, and the NW Credit card for fuel, services, etc. :thumb:

    Cheers,

    Jock.
     
  18. carolyn

    carolyn Funster

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    Post Office credit card for as much as possible as exchange rate good and fee free plus Cashpassport from Tescos for withdrawing cash as ATM is free but you do get charged 3eu per month if you dont use it for 6 months. Fairfx exchange rate is better but they do charge a small amount for ATM use, have one of those as well.
     
  19. Chockswahay

    Chockswahay Funster

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    We used Halifax Clarity for all credit card purchases…………. no fee's at all :BigGrin:

    and FairFX for cash. Didn't want to carry vast sums of cash around so pre loaded the FairFX card with £200 worth of Euro's before we left…………….. after 3 months we still have £23 remaining on it unused.

    FairFX do charge €1.50 per cash withdrawal from an ATM so we only withdrew cash twice.

    So for €3 we had peace of mind………… worth it for us :BigGrin::BigGrin:
     
  20. Allanm

    Allanm Funster

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    Mostly cash and keep it in the van safe. Credit card for when we need to pay by card, never stay on sites, we only use aires, and if we can, those that don't charge. Our first week in France in August,, travelling down to Dijon cost us €3 for 6 nights at aires.
    Allan
     
    Last edited: Dec 17, 2013
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