Go Back   Horizons Unlimited - The HUBB > Planning, Trip > TRAVEL Hints and Tips

TRAVEL Hints and Tips Post your TIPS to travellers - all the interesting little tidbits you learned on the road about packing, where to get stuff, and how to cope with problems. Please make sure the subject describes the tip clearly!
Contact Overland Solutions for all your custom modifications and setup for overland travel.

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 9 Mar 2009
Registered Users
Veteran HUBBer
 
Join Date: May 2006
Location: Southampton
Posts: 672
Nationwide no longer fee free outside of UK :(

Boo!

Nationwide will charge you to use cards abroad
__________________
Ollie

www.jollyfollies.com

Land's End to Sydney 2009
Reply With Quote
  #2  
Old 9 Mar 2009
Registered Users
Veteran HUBBer
 
Join Date: May 2007
Location: London
Posts: 549
Hi Ollie / all

I too was disappointed to read about Nationwide. But I must clarify a few things - there are 2 elements to any card fee. This is the bit charged by Visa (as with any use of a Visa credit/debit card) and the commission charged by the bank itself. Nationwide has said it will start passing on the Visa fee outside Europe, but customers using their cards in Europe will not receive any charges, as the Visa fee does not apply there. But Nationwide has also said its cards remain commission-free when used anywhere in the world.

Also bear in mind from the bottom of Ollie's article that you can still get commission-free credit cards from the Post Office.

Here's another article which explains the Nationwide issue better.

Where Nationwide cards allow free overseas spending? | This is Money

Mark

overlandcruiser.net
__________________
www.overlandcruiser.net
Reply With Quote
  #3  
Old 26 May 2009
Registered Users
New on the HUBB
 
Join Date: Jun 2008
Location: Watford, England
Posts: 19
I recently investigated the various pre-loaded cash cards for my up-coming lap of Europe. I found Top 10 Prepaid Cards UK - Compare Best Pre-Paid Card useful, and settled on a CaxtonFX Euro card. Filled in the application online (with my passport no) and was sent the card in the post a couple of days later.

Haven't yet loaded it or used it in anger, but so far it's looking good.
Reply With Quote
  #4  
Old 27 Aug 2010
Registered Users
Veteran HUBBer
 
Join Date: Mar 2009
Location: Sydney, Aus.
Posts: 208
I was disappointed to hear about the Nationwide account no longer being fee free as I got an account with them a few years ago specifically for travelling, but I've been using my Nationwide Visa debit card to withdraw cash from atms all over southern and eastern Africa since Oct '09 and I've not been charged a penny in fees.
Reply With Quote
  #5  
Old 1 Sep 2010
Registered Users
Veteran HUBBer
 
Join Date: May 2007
Location: London
Posts: 549
Hi - interesting that someone has posted again on this thread at this time. I have recently had a leaflet from Nationwide which says they're going to start charging for all overseas ATM withdrawals wef 1 November

Nationwide to charge to use debit card abroad - North Cyprus Forum - Cyprus44.com

Anyone got any ideas about alternatives?
__________________
www.overlandcruiser.net
Reply With Quote
  #6  
Old 3 Sep 2010
Selous's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Jan 2010
Location: England
Posts: 420
Quote:
Originally Posted by RobRoy View Post
I recently investigated the various pre-loaded cash cards for my up-coming lap of Europe. I found Top 10 Prepaid Cards UK - Compare Best Pre-Paid Card useful, and settled on a CaxtonFX Euro card. Filled in the application online (with my passport no) and was sent the card in the post a couple of days later.

Haven't yet loaded it or used it in anger, but so far it's looking good.
Good tip i know they could work out more expensive but save the chance of having your Visa swiped & cloned.
I also use nationwide and a bit PO'd
__________________
We are the Pilgrims, Master, we shall go Always a little further: it may be beyond that last blue mountain barred with snow, Across that angry or that glimmering sea.
Reply With Quote
  #7  
Old 4 Sep 2010
Registered Users
HUBB regular
 
Join Date: Jan 2010
Location: Dorset, United Kingdom
Posts: 84
Hi we have a Santander ZERO account, so far no charges or commission on the exchange rates,

Martin
__________________
MyOverlandAdventure
Facebook Google+
Reply With Quote
  #8  
Old 5 Sep 2010
Jake's Avatar
Contributing Member
Veteran HUBBer
 
Join Date: Mar 2005
Location: Northumberland, uk
Posts: 723
The co op do a credit card called the clear card - available to account holders, its not advertised on any of the sites - it allows free cash withdrawals in the uk, and free cash cash and purchases abroad no charges, but you do not interest free, although its free for 58 days then an interest rate of 12.9 % but if you make a standing order for the bill to be paid while your away then its free really. You need to have a £10,000 year income to get the card also with all things co op they are an ethical bank have invest money ethically they have turned down hundreds of thousands of pounds worth of investments where the investments conflict with the ethical policy of the bank. ie your money wont pay for wars, warlords, massive land destruction or deforestation etc. also a bit of the profit of the bank invests in saving rainforests, wildlife etc. I was so impressed with the coop I moved all my accounts to them. They use the post office system as there branches on the street so your never far from a branch for paying in or withdrawals. Last of all if you are a co op share meber you get a dividend every year from the coop profits thats the shops banks insurance etc. No i don't work for or have any ties to the company.
Reply With Quote
  #9  
Old 6 Sep 2010
Registered Users
Veteran HUBBer
 
Join Date: Apr 2008
Location: West Yorkshire UK
Posts: 1,239
Mine went back a few weeks ago. As well as bringing in the charges they've gone security mad. Had my cards stopped when I tried to use them in Holland. (Fortunately I have business cards which only require a short explanation on the expenses forms for personal use). The cretins then insist you call them from your land line at home! Time to go back to having to log a call to the call centre fools before you travel.

Andy
Reply With Quote
  #10  
Old 13 Sep 2010
Registered Users
HUBB regular
 
Join Date: Jun 2010
Location: UK
Posts: 35
Useful UK credit cards for overseas

Despite the new charges from Nationwide, it's still a relatively good card to keep hold of for traveling through Africa when you need to take money out or pay for things in capitals (especially West Africa), as it's a VISA card which is more widely accepted. I've basically told Nationwide that I travel abroad frequently, so they've stopped calling me or blocking the card when I use it in random locations.

I used to have the Santander Zero card and they drove me insane with their constant fraud and security checks (and card blocks), even when I had told them that I'd be traveling to certain countries.

Halifax has recently launched a credit card which offers the same benefits, with no fees, and there's a good article explaining good UK credit cards for traveling here: Cheap Travel Money: NEW top card for spending abroad...

cheers
Joova

p.s. I don't work for any banks or the MSE website... I'm Dutch so I like saving money where possible :-)
Reply With Quote
  #11  
Old 11 Oct 2010
Registered Users
HUBB regular
 
Join Date: Mar 2006
Location: Herefordshire
Posts: 56
Post Office Card

The PO card used to have a good loophole in that if you pre-paid it then there were no cash advance fees and interest payments when used in foreign ATMs.

They are now closing that loophole as of 1 November 2010 by refusing to allow a credit balance.

Shame.
Reply With Quote
  #12  
Old 12 Oct 2010
Gold Member
HUBB regular
 
Join Date: Feb 2010
Posts: 28
fee free cards

plus one for Satander Zero Mastercard, though not accepted everywhere in Africa where visa is king.

Saga do a fee free visa card for those of a certain age!
Reply With Quote
  #13  
Old 28 Nov 2010
Registered Users
HUBB regular
 
Join Date: Sep 2010
Location: London
Posts: 73
Norwich and Peterborough BS is has has a Gold current account that will be fee free world-wide as of 1 Jan 2011. You have to pay in £500 per month to keep the account for free though. The card is a Visa.
__________________
http://www.movinghouse.ws
Reply With Quote
  #14  
Old 28 Sep 2011
Registered Users
Veteran HUBBer
 
Join Date: May 2007
Location: London
Posts: 549
Hi all - dredging a thread up from the grave!

Am fairly soon going on holiday, and suddenly remembered the Nationwide a/c is no longer free for overseas purchases and ATM withdrawals when I looked in the Guardian money section last Saturday. And whaddya know - MovingHouse is right.

Cheap Travel Money: Top cards for spending abroad...

then scroll down to Do you want a debit card instead? This seems to be the best 1 - Gold Classic Current Account | Bank Accounts | N&P | Norwich and Peterborough Building Society
__________________
www.overlandcruiser.net
Reply With Quote
  #15  
Old 5 Oct 2012
Registered Users
Veteran HUBBer
 
Join Date: Mar 2007
Location: UK
Posts: 3,397
Nothing stands still in the currency "world"

Quote:
Originally Posted by ilesmark View Post
Hi all - dredging a thread up from the grave!
And dredging, again, just because I have been stung for bank charges - yet again - on a flying visit as far as the European mainland.
I usually deal with such things OK (well, good enough that I don't care too much) but this latest trip was short notice and I kind of lost sight of bank charges for both drawing cash from ATMs and charges for purchases.

Searching around to try to get a better handle on this, for next time, I came across this article - the comments/inputs at the end are as informative as the main article, probably more so:-
http://www.guardian.co.uk/money/2012...rds-which-best

There is another thread in here (somewhere!) about the currency card issue (and along the way, the question of "if they can be used at the French toll booths"), but I can't find it and the recommendation about Credit cards in this article is useful for anyone based in the UK.
__________________
Dave
Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Trip planning links, Free places to stay, Free GPS Maps and much more... SalCar South America 10 31 Dec 2010 15:42
Staying in countries longer than tourist visa allows ChrisJ86 sub-Saharan Africa 1 15 Jan 2008 23:32
Angola Visas - NO LONGER in Abuja andybee sub-Saharan Africa 13 30 May 2007 19:30
a longer screen for a Kawasaki ZZR600 Bary Equipment Reviews 1 24 Mar 2002 11:44
a longer screen for a Kawasaki ZZR600 Bary Equipping the Bike - what's the best gear? 3 17 Mar 2002 04:20

 
 
 

NEW! HU 2015 Motorcycle Adventure Travel Calendar is now available! Get your copy now for some terrific travel inspiration!

HUGE, 11.5 x 16.5 inches, beautifully printed in Germany on top quality stock! Photos are the winning images from over 600 entries in the 9th Annual HU Photo Contest!

Horizons Unlimited 2015 Motorcycle Adventure Travel Calendar.

"The calendar is magnificent!"

"I just wanted to say how much I'm loving the new, larger calendar!"

We share the profit with the winning photographers. YOU could be in the HU Calendar too - enter here!

Next HU Eventscalendar

See all events

 

HU DVD Autumn Special!

Take 40% off Road Heroes Part 1 until October 31 only!

Road Heroes features tales of adventure, joy and sheer terror by veteran travellers Peter and Kay Forwood (193 countries two-up on a Harley); Dr. Greg Frazier (5 times RTW); Tiffany Coates (RTW solo female); and Rene Cormier (University of Gravel Roads).

The first in an exciting new series, Road Heroes features tales of adventure, joy and sheer terror by veteran travellers."Inspiring and hilarious!"

"I loved watching this DVD!"

"Lots of amazing stories and even more amazing photographs, it's great fun and very inspirational."

"Wonderful entertainment!"

Check it out at the HU Store! Remember to use Coupon Code 'HEROES' on your order when you checkout.



Scottoiler automatic chain oilers. The most important accessory for your next motorcycle adventure!


Renedian Adventures


Renedian Adventures

What others say about HU...

"I just wanted to say thanks for doing this and sharing so much with the rest of us." Dave, USA

"Your website is a mecca of valuable information and the DVD series is informative, entertaining, and inspiring! The new look of the website is very impressive, updated and catchy. Thank you so very much!" Jennifer, Canada

"...Great site. Keep up the good work." Murray and Carmen, Australia

"We just finished a 7 month 22,000+ mile scouting trip from Alaska to the bottom of Chile and I can't tell you how many times we referred to your site for help. From how to adjust your valves, to where to stay in the back country of Peru. Horizons Unlimited was a key player in our success. Motorcycle enthusiasts from around the world are in debt to your services." Alaska Riders

contest pic

10th Annual HU Travellers Photo Contest is on now! This is an opportunity for YOU to show us your best photos and win prizes!

NEW! HU 2014 Adventure Travel T-shirts! are now available in several colors! Be the first kid on your block to have them! New lower prices on synths!

HU 2014 T-shirts now in!

Check out the new Gildan Performance cotton-feel t-shirt - 100% poly, feels like soft cotton!


What turns you on to motorcycle travel?


Global Rescue, WORLDwide evacuation services for EVERYONE

Global Rescue is the premier provider of medical, security and evacuation services worldwide and is the only company that will come to you, wherever you are, and evacuate you to your home hospital of choice. Additionally, Global Rescue places no restrictions on country of citizenship - all nationalities are eligible to sign-up!


New to Horizons Unlimited?

New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!

Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80 G/S motorcycle.

Susan and Grant Johnson Read more about Grant & Susan's story

Membership - help keep us going!

Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events (22 this year!); we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.

You don't have to be a Member to come to an HU meeting, access the website, the HUBB or to receive the e-zine. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.


Books & DVDs

amazon

All the best travel books and videos listed and often reviewed on HU's famous Books page. Check it out and get great travel books from all over the world.


Motorcycle Express for shipping and insurance!

Motorcycle Express

MC Air Shipping, (uncrated) USA / Canada / Europe and other areas. Be sure to say "Horizons Unlimited" to get your $25 discount on Shipping!
Insurance - see: For foreigners traveling in US and Canada and for Americans and Canadians traveling in other countries, then mail it to MC Express and get your HU $15 discount!




All times are GMT +1. The time now is 18:26.