Yes unless they've changed it back
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What card for spending in Europe?
- Thread starter Virdi
- Start date
The Virgin Atlantic cards have no FX fees in the Eurozone and some other European countries and have a better earning rate than the Barclaycard, so it's another good option. But, it does have cash advance fees, FX fees in other countries and you may not value earning Virgin points.
Soldato
- Joined
- 21 Sep 2020
- Posts
- 4,292
Check the link i posted previously, states it on their site that they do charge interest on cash withdraws.
Associate
thanks for this. I'm a long-time Clarity user but didn't realise these changes. May well be time to revert to a Barclaycard again
There have been no 'changes' to the Clarity card, at least not for the last 7+ years. It does not have any cash advance charges. It only charges interest from the day you withdraw, which again it has for many many years.
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My Monzo is used pretty religiously whilst away, I do have both a HSBC and Santander CC thats very similar.
There were places in malta accepting payment via Revolut App this year as well
There were places in malta accepting payment via Revolut App this year as well
Use any Mastercard/Visa Credit card which does not charge for foreign exchange. Loads of examples have been listed here already.
Do not rely on a debit card or Amex (i don’t think any Amex is fee free anyway). Visa debit is widely accepted but it leaves you more vulnerable to fraud. Amex isn’t as always accepted.
Apple/Google Pay is accepted everywhere card is and works fine with a domestic card, is more secure and has no contactless limit.
The while always pay on credit card thing applies in the U.K. also, it’s not just a foreign thing.
Do not rely on a debit card or Amex (i don’t think any Amex is fee free anyway). Visa debit is widely accepted but it leaves you more vulnerable to fraud. Amex isn’t as always accepted.
Apple/Google Pay is accepted everywhere card is and works fine with a domestic card, is more secure and has no contactless limit.
The while always pay on credit card thing applies in the U.K. also, it’s not just a foreign thing.
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Soldato
To counter some of the above, i don't think i'd care too much about interest on cash withdrawls. If you're mainly using card for purchases and just want some cash as a backup, then even £500 in cash is only going to cost ~£10 max in interest assuming a max time of 4 weeks from withdrawl to statement date.
Just class it as a holiday cost rather than messing around applying for new cards etc.
In fact i think Barclaycard also charge intertest for cash withdrawls, i thought all credit cards did. That's why Curve used to be great as it fronted the transaction and the CC companies didn't know it was cash, although that's now changed.
Just class it as a holiday cost rather than messing around applying for new cards etc.
In fact i think Barclaycard also charge intertest for cash withdrawls, i thought all credit cards did. That's why Curve used to be great as it fronted the transaction and the CC companies didn't know it was cash, although that's now changed.
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Caporegime
If you go into it eyes open and are aware of the consequences, that's fine. The problem here is people who asks the kind of questions posted in the OP, "What card to use in X country?" are not aware at all, if they were, they wouldn't ask in the first place. So it is prudent to set out the 2 major downsides in doing this, 1 is the interest charge, and also the bad habit side, which if you do it often, it does add up over the years.
I have done it too in an emergency, my Debit Card some reason wasn't accepted in Taiwan, so I withdrew some on my credit card.
Associate
This.
I used Revolut back in the day, but since getting a Starling Debit card, I have used it in a number of places globally with zero issues at all.