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Subject Topic: Spending in France?
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11/2/2013 at 3:47pm
 Location: Dartford Kent
 Outfit: VW T6 conversion
View morepints's Profile View Profile   Reply to morepints Reply   Quote morepints Quote  
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Whoops! Looks like my Co-op debit is the only Visa card to charge for euro withdrawals. Sorry folks, bum advice!


Don't forget to leave a review of the French and other European campsites you have visited!


11/2/2013 at 6:33pm
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View Berriow's Profile View Profile   Reply to Berriow Reply   Quote Berriow Quote  
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Not the only one by any means ! Most cards charge,

David Klyne is right to recommend Halifax Clarity credit card, but not everyone can get one. They are quite choosy deciding who can have one.



11/2/2013 at 6:54pm
 Location: Lancashire
 Outfit: None Entered
View Jasonw's Profile View Profile   Reply to Jasonw Reply   Quote Jasonw Quote  
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Over the year I put a little bit extra into a 'holiday' account with a debit card then with our holiday spends that we have saved we change to euros, then I take the card from the 'holiday' account just in case!!!
J

-------------
Looking to try every other weekend away
August/ - France


11/2/2013 at 8:30pm
 Location: Milton Keynes
 Outfit: Bailey Alliance 66-2 Motorhome
View David Klyne's Profile View Profile   Reply to David Klyne Reply   Quote David Klyne Quote  
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Quote: Originally posted by Berriow on 11/2/2013

Not the only one by any means ! Most cards charge,

David Klyne is right to recommend Halifax Clarity credit card, but not everyone can get one. They are quite choosy deciding who can have one.


I didn't know that

David



Don't forget to leave a review of the French and other European campsites you have visited!


11/2/2013 at 11:59pm
 Location: NW of Glasgow
 Outfit: Sterling Searcher 2008 Volvo XC90
View jennifernn's Profile View Profile   Reply to jennifernn Reply   Quote jennifernn Quote  
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I think it is easier if you already bank with Halifax.

We got a card each, and, although a customer, I only have a very small pension to declare as income.

-------------
Jennifer


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12/2/2013 at 9:41am
 Location: Milton Keynes
 Outfit: Bailey Alliance 66-2 Motorhome
View David Klyne's Profile View Profile   Reply to David Klyne Reply   Quote David Klyne Quote  
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It had gone out of my mind but we did have our mortgage with Halifax until be paid it off so perhaps that made a difference?

David



12/2/2013 at 10:31am
 Location: South Yorks
 Outfit: Vango Typhoon 300
View paul_M's Profile View Profile   Reply to paul_M Reply   Quote paul_M Quote  
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The first I've heard about the Halifax card - in my experience, and a scan of bank websites, all other debit cards make some charge for euro (or other currency) withdrawals. There are two sets of deductions - a transaction charge (just for giving you the money) and a currency conversion rate (in effect giving you a poor conversion rate is charging you for the withdrawal!). The Nationwide used to make no charge; it still offers one of the best rates.... if you can't get a Halifax card! 

Quote: Originally posted by morepints on 11/2/2013


Whoops! Looks like my Co-op debit is the only Visa card to charge for euro withdrawals. Sorry folks, bum advice!




Don't forget to leave a review of the French and other European campsites you have visited!


12/2/2013 at 10:52am
 Location: None Entered
 Outfit: None Entered
View Seanf81's Profile View Profile   Reply to Seanf81 Reply   Quote Seanf81 Quote  
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Thanks for this post and the comments in it. We're off to open a N&P account today for the free withdrawals. Have now seen just how bad our Natwest account is for overseas so need a new account!


12/2/2013 at 11:34am
 Location: 
 Outfit: 
View Francais's Profile View Profile   Reply to Francais Reply   Quote Francais Quote  
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Hi Seanf81
                  The only caveat with a N&P Bank Account, is that you can either pay £5 per month for having one, this charge is dropped if you pay in £500 or more into the account each month, I get round this by using the account for my works expenses, which are around £500 each month, I simply pay the money out again as son as it has gone in.

Another way would be just to pay in £500 at the start of the month and then draw it out again a few days later.

It's a daft condition really, but I guess it save the account being dormant for months on end, and helps makes N&P look like the have active accounts.

It's not an issue really, you just have to play the game.


12/2/2013 at 4:16pm
 Location: None Entered
 Outfit: None Entered
View Seanf81's Profile View Profile   Reply to Seanf81 Reply   Quote Seanf81 Quote  
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Thanks Francais. We'll be working abroad for 8-9 months each year, so will make sure we get paid in it and will comfortably pass the required amount.

In the winter we'll do the move money in and take it out trick!



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12/2/2013 at 5:37pm
 Location: NE Scotland
 Outfit: Bailey Phoenix + CRV
View oxter's Profile View Profile   Reply to oxter Reply   Quote oxter Quote  
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Hanging on to our Santander Zero Card which is no longer available to new customers.  Good interbank rates and no embedded charges - I can see why they stopped issuing them.

-------------
playing at tinkies


Don't forget to leave a review of the French and other European campsites you have visited!


13/2/2013 at 12:56pm
 Location: horwich bolton
 Outfit: Swift Conqueror 650 with Kia Sorento
View cheryl.mark's Profile View Profile   Reply to cheryl.mark Reply   Quote cheryl.mark Quote  
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We considered a prepaid card last year but were told might have trouble using them at fuel stations so we didnt bother, seemed like too much hassle. We have a zero Santander acct which is good exchange rate and some retailers charge £1.25 per transaction so we dont use it loads. We take euros, credit card for fuel/tolls and debit card.  Capital one credit card didnt seem to charge overseas transactions last year.



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