Arillas Forum
Welcome to Arillas => Arillas general information => Topic started by: juliescot on May 17, 2018, 12:56:28 AM
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Is it better to get euros before we arrive or is the exchange rate better there ?
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Hi Julie, buy your euros online from somebody like The Currency Club before you come but watch out for postage charges. Or, even better, get a charges free debit card like the Nationwide FlexPlus account card and draw your euros from an ATM when you are there. (The Nationwide FlexPlus account does have a monthly charge but, as well as free ATM withdrawals also offers free worldwide travel insurance and car breakdown cover so is well worth it) PS I don't work for Nationwide 😃
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Get a Halifax Clarity credit card, it cannot be beaten. Best exchange rate by far. As recommended by Martin Lewis
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I agree with John, the Halifax Clarity Card is well having. Take money out whilst away and pay off balance a soon as you get home.
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Hi
Best rate today, on line, with free delivery is 1.1314
Geoff
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Its going up then Geoff by the looks of things .
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Best rate today is (as usual) the Halifax Clarity Card - the rate is 1.146
https://travelmoney.moneysavingexpert.com/holiday-money/
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Its going up then Geoff by the looks of things .
Hi
Buying mine this week so keeping and eye on rates.
On line rates have crept up a little again. In fact Debenhams is number two on the list from about 8th earlier on. With free delivery
Dont think rates will go up much. They have really only risen slightly as the Trump trade war threat seems to a bit of a no go now, and the UK interest rate now not likely to rise shortly as predicted.
Barclays is offering 1.08 on line!!!!!!!! I suppose somebody will buy at that rate
Geoff
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Not much different to the £ is it. Just wondering how far it will go now.
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Not much different to the £ is it. Just wondering how far it will go now.
Hi
I just tell Val to cut down on the cocktails and the money seems to last as long
Geoff
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😂😂
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😂😂
Hi
Val was not very happy either.
Just bought mine at Debenhams for 1.13+ with a voucher from a comparison web site. 1.10 without the voucher.
Also get £5 off voucher to spend in store which is another saving.
Do not like using credit cards for cash transactions abroad as most charge interest from date of withdrawal.So what little you may gain you loose in charges. Dont know about the Halifax Clarity Card though
Geoff
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I wonder if Debenhams rate will go down tomorrow and it's a genuine "currency sale" or if they will still be very competitive after then? Their sale was supposed to last two days from Monday , hopefully they will still have a good rate going forwards.
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Post office was 1.10 today
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No charges with Halifax Clarity Card, Geoff.
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This is worth reading
https://www.moneysavingexpert.com/credit-cards/travel-credit-cards#halifax (https://www.moneysavingexpert.com/credit-cards/travel-credit-cards#halifax)
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😂😂
Hi
Val was not very happy either.
Just bought mine at Debenhams for 1.13+ with a voucher from a comparison web site. 1.10 without the voucher.
Also get £5 off voucher to spend in store which is another saving.
Do not like using credit cards for cash transactions abroad as most charge interest from date of withdrawal.So what little you may gain you loose in charges. Dont know about the Halifax Clarity Card though
Geoff
Yes, Halifax Clarity do charge interest on ATM withdrawals but if the balance is paid off as soon as you return home the amount is negligible.
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😂😂
Hi
Val was not very happy either.
Just bought mine at Debenhams for 1.13+ with a voucher from a comparison web site. 1.10 without the voucher.
Also get £5 off voucher to spend in store which is another saving.
Do not like using credit cards for cash transactions abroad as most charge interest from date of withdrawal.So what little you may gain you loose in charges. Dont know about the Halifax Clarity Card though
Geoff
Yes, Halifax Clarity do charge interest on ATM withdrawals but if the balance is paid off as soon as you return home the amount is negligible.
Hi
As I understand it you have to pay in full before the statement payment date to avoid any charges with the Halifax card, otherwise you are charged .
This may mean making a payment whilst on holiday to avoid charges if the statement date falls whilst away.
I did use a credit card once on holiday (in the days of Traveller Cheques) for my expenditure, but prior to departure I made a payment to the card of my expected holiday transactions so I was in credit. Which meant no charges were applied as I was never in debt.
Now days I just take cash
Geoff
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there is a charge on drawing cash with clarity
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there is a charge on drawing cash with clarity
No charges when withdrawing from ATM on Halifax Clarity Card, only interest from day one
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Correct. Interest being a charge. Top the card up with a credit balance and a cash withdrawals won't even have interest.
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Hi We used our nationwide flex account and got 1.138 for £1 used in the atm (Pireus bank) and choose decline the rate offered (1.05) then the exchange is done by your UK bank
Saves taking cash with you and get best rates!
Hope that helps
Mike
ps back 3 days and missing Arillas already lol
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Are there any charges at all on the Nationwide Flex Card ?
Great rate that is and I am with Nationwide
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Looks like a 2% fee is charged for withdrawing cash abroad with Nationwide
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The standard Flex card makes a charge. If you have a Flexplus account (paid for) it is charge free.
Jebbo
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Mike - where is the ATM was it you got that rate from please?
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HI Sonia
I went to Agios Stefanos and just inside Tasty corner, don't know if there is one in Arillas sorry.
Hope that helps
Mike
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Hi
If you dont mind me saying so, it does not matter what ATM you use to withdraw euro.
The Exchange rate is set by your card provider, not the ATM or ts provider.
Which is why it was recently said always use the local currency wherever you are when making a card purchase and do not pay in sterling if asked.
Geoff
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eh? sorry. confused.com
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Sonia
It's simple ... The card provider , provides the exchange rate not the ATM , who provides a service nor the ATM provider who leaves the exchange rate to the card provider because they are not allowed to provide a service as they are linked to the card provider who understandably says they cannot provide the exchange as the ATM are pals , only providing they follow the rules, and have provided suitable credentials.
I will read this again, tomorrow , providing I am not provided with Ouzos , prior to providing a big sorry for typing , for which I cannot provide a suitable answer, except it was late here. (Best delete it now - Providing I hit the wrong button!)
Negg
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Useful website
https://www.moneyadviceservice.org.uk/en/articles/cheap-cards-to-use-abroad
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Thanks Eggy (I think) and John - really useful information,
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Hi
As previously said I only spend cash on holidays.
For information only I used my HSBC card on a purchase last week.Paid in Euros and HSBC gave me an exchange rate of 1.13 + £2.26 fee.
Val used a Santander card and got 1.13 + £1.25 fee
Geoff
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We went to get Euros last Saturday at Tesco. They were only offering 1.09. We queried their price match and they rang around and gave us 1.19. Quite a difference!
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Where was doing 1.19? Thats really good
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That can't be right surely????
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I think Sonia has been on the Pina Coladas!
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And the rest 😂😂
Jealousy will get us nowhere though ☺
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We definitely got 1.19. Just checked with my hubby. Don't know where though sorry. I had noticed it was 1.17 at Tui the day before and that is why I queried it.
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Sorry . Just checked yet again with hubby and it was 1.119. Yeah blame it on the pinocoladas.
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I got all excited then Sonia. Haha!
Suzy x
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Thats more like it Sonia. .. I was all excited for a minute 😂
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Exchange rate here in arillas at the moment was 1.108
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Exchange rate here in arillas at the moment was 1.108
Minus 2% commission I suspect?