Debit card that doent charge £1.50 for international purchases?

Craterloads · 13 Jul 2012 at 16:02

As above, are there any Debit card thats dont charge a fee for international purchases or what else would be the best way?

Buying from Amazon.com and getting charged £1.50 a pop, this is for game downloads so cant even add them to the cart so have to buy indvidually so getting this charge over and over again :mad:

antijoke · 13 Jul 2012 at 16:05

On the one thing I bought internationally I didn't get charged £1.50.....

tigerstyle · 13 Jul 2012 at 16:06

loads, www.moneysavingexpert.com

dasyad · 13 Jul 2012 at 16:06

There's credit cards available to do this, I believe Halifax and Santander offer them. As long as you clear the balance of every month thus treating it like a debit card then it would be a good option

The Halk · 13 Jul 2012 at 16:07

Here's a list of the bad ones.

Craterloads · 13 Jul 2012 at 16:09

dasyad said:
There's credit cards available to do this, I believe Halifax and Santander offer them. As long as you clear the balance of every month thus treating it like a debit card then it would be a good option

Im with halifax, but my cards a visa/electron

Dont want a credit card, not my cup of tea.

The Halk · 13 Jul 2012 at 16:10

Switch bank accounts then. First Direct give you £100 for switching I think. You could switch to HSBC or Barclays if you prefer a high street bank.

BoonMonkey · 13 Jul 2012 at 16:11

The Halk said:
Here's a list of the bad ones.

I have a card from hell.

Craterloads · 13 Jul 2012 at 16:12

Ive got a Barclays account but havent used in years, still active though i think.

So any Barclays debit card wont get charged?

The Halk · 13 Jul 2012 at 16:14

Correct. However you'll likely be paying a small foreign exchange fee on it - a few percent.

Craterloads · 13 Jul 2012 at 16:15

The Halk said:
Correct. However you'll likely be paying a small foreign exchange fee on it - a few percent.

Are you sure?

Im paying that few % plus £1.50 on Halifax? i assume

dasyad · 13 Jul 2012 at 16:17

Craterloads said:
Im with halifax, but my cards a visa/electron

Dont want a credit card, not my cup of tea.

Like I said if you're well disciplined and use it like a debit card then it is only a credit card in name really

. Stick to a low credit limit and and don't get crazy and you'll be fine. Plus credit cards are handy for big purchases due to the extra protection they offer because of Section 75.

Craterloads · 13 Jul 2012 at 16:22

dasyad said:
Like I said if you're well disciplined and use it like a debit card then it is only a credit card in name really . Stick to a low credit limit and and don't get crazy and you'll be fine. Plus credit cards are handy for big purchases due to the extra protection they offer because of Section 75.

I know what your saying but its been ingrained in to me not to spend what you dont have. No overdrafts, credit, finance and even mortgage!

Hopefully as Halk suggested the Barclays card will suffice!

dasyad · 13 Jul 2012 at 16:28

Craterloads said:
I know what your saying but its been ingrained in to me not to spend what you dont have. No overdrafts, credit, finance and even mortgage!

Hopefully as Halk suggested the Barclays card will suffice!

That's fair enough

at least it prevents you from getting into issues with debt

.

The Halk · 13 Jul 2012 at 16:56

Craterloads said:
Are you sure?

Im paying that few % plus £1.50 on Halifax? i assume

Yes. I'm sure. If you're paying in a foreign currency then banks load it by around 3%.

Halifax 2.75% + £1.50 per purchase

Barclays 2.99%

So for a £5 transaction (in dollars) with Barclays you'd pay £5.15
With Halifax you'd pay £6.64
If you used the right credit card you'd pay £5.

Craterloads · 13 Jul 2012 at 17:07

The Halk said:
Yes. I'm sure. If you're paying in a foreign currency then banks load it by around 3%.

Halifax 2.75% + £1.50 per purchase

Barclays 2.99%

So for a £5 transaction (in dollars) with Barclays you'd pay £5.15
With Halifax you'd pay £6.64
If you used the right credit card you'd pay £5.

Thanks, just got off the phone with Halifax and got the whole "its in your terms and conditions" statement.

Saying that just phoned barclays and the chap on the phone wasnt the brightest spark either, as he didint know what i was talking about so didnt get an answer from him! Anyhow will pop in tommorrow to deposit some cash as my account with them is to be closed in august due to inactivity.