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Hi guys,

We're off to Florida in a few weeks. In the past we've always just taken cash (and maybe used our Bank of Scotland credit cards for a larger purchase or two - incurring a fee). However, the way things are now as I understand it there's far more option for paying contactless and a lot of the stuff in the theme parks encourages you to mobile order via an app and an associated bank/credit card.

As such I'm looking at getting a card of some description that I can just load cash into and avoid incurring overseas transaction fees that I'd get with my own BoS cards. Looking at the likes of Monzo/Revolut - just wondering if anyone has any experience of those (or similar) and has any recommendations?

Cheers!

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I got Monzo for when I went to Germany, easy to use and no fees for taking cash out.  It is now my default digital card for payments and I never use my main bank account for any transactions now, to avoid ATM cloning and skimming.  Any time the card is used you are sent a notification to your phone and can quickly freeze the card if you don't recognise it and move money out of the account.

If you pay your salary in you can also get paid early.  So if your pay is due on Monday you can get it on Friday at 4pm.  Sometimes that isn't a good idea though 😂  If you want I can DM you a referral link and we'll both get a fiver when you use the card.  I would recommend it, it is very easy to use.

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I've used Revolut several times abroad...Cyprus, Moldova, Czech Rep. It's a free card but they charge a £5 for delivery.

I'll be using it again when I go to Poland next month. Just link it to your bank account, load it with £s and then exchange for the currency of your choice. You get excellent rates and in Cyprus and CR there were no fees at all. In Chisinau it was a flat 1.5% but I only used the one ATM which was round the corner from my hotel. Others may have been free.

You can use it like any other debit card, either chip n pin or contactless but the only slight drawback is that you can only withdraw a max of the equivalent of £200 per month. You can get other cards in their range for a monthly fee which allows a greater monthly ATM total.

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I've had the Halifax Clarity credit card for nearly a decade now - it has no fees on foreign transactions, and you'll pay no interest at all if you pay it off in full every month (ie when you're back from your trip). You do pay interest immediately on any cash withdrawals overseas, but you can avoid that by either preloading the card or paying it off via online banking on the same day. Maybe the Monzo and Revolut stuff have other benefits but I've never bothered using anything else because that card has worked perfectly for me ever since I got it.

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Monzo is perfect for travelling. Not much more to say, really. Mind and always choose to pay in the local currency if prompted, rather than GBP.

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I sent the bairn to the US with a Revolut card in July (shes 12).  No issues/fees etc (maybe apart from card getting delivered as mentioned above) apart from when she was in a brewery (dont ask).  She did have a Junior card though so thats why it was refused.

Apart from that was able to take out $ at the ATM etc with no issues.  Instant money transfer etc etc. 

I think most of these cards work pretty much the same now and are in the main fairly reliable. 

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As above, Halifax Clarity has worked well on various trips, good exchange rates, no purchase fee and has worked on the odd occasion my RBS debit card (no fees either) hasn't - ie at the automated toll booths on French motorways.

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