Off topic, but you know the Santander Zero current account? There are no fees, etc, for withdrawals made abroad, but what exchange rate do they use? I presume it's just the official Visa one?
lol, most random question ever?

I'm pretty sure it's the VISA rate - which is as near as makes no difference the best rate Mr Average (you or me) could expect to get. It's an absolutely excellent account.
Just applied for one infact
