Get more with Caxton

Rewards, perks, benefits, bonus - whatever you call them, you get more by being with Caxton. From the basics for all to get you away with discount parking and lounge access to cashing in with reward points on our premium account

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Travel Tracker

Automatically access these extras with your account

Caxton Protect

Caxton Protect will cover you for any items bought online using your Caxton Card, which are damaged or stolen, within the first 90 days from the purchase date. It will also cover you up to the value of £500 per year for any events that you book using your Caxton Card, should you be unable to attend due to injury, sickness or if the event is cancelled. Annual cover costs just £15, so start protecting your purchases today.

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Instant cover

Add Caxton Protect to your Caxton Card within minutes

Purchase protection

Protect all of your purchases with our 12 month annual cover

Event cancellation

Don’t lose out on cancelled events, we’ve got you covered

Buy Back Guarantee

Load all your travel money onto your card in one go at the best exchange rate. Under our Buy Back Guarantee, you buy your currency at the best rate – and we’ll buy back unused currency at the same rate you bought it for. That way, if the exchange rate moves against you, you won't lose out. Even better, if the currency goes up in value, you can sell it back at the current market rate. When you next load over £300, purchase the Buy Back Guarantee for £4.99 on your Caxton Black Card or get it for FREE on your Caxton Red Card.

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Simplicity

Just tick the box and add it onto your order at the time of purchasing your currency.

Value

Load currency with confidence without risk of exchange losses on unused balance.

Control

Reduce uncertainty and costs by fixing the buy and sell exchange rates

Cash Delivery

IMPORTANT NOTICE: To help prevent the spread of the Coronavirus and to protect the well-being of our customers and staff, our Cash Delivery service is temporarily unavailable.

For those who prefer to arrive at their destination with some local cash in their pocket, as well as currency securely loaded onto their Caxton card. You can order cash straight from your Caxton account and have it arrive at your door the next day. Travelling with some cash in your pocket gives you that extra peace of mind for that first taxi ride, the first haggle at the markets or to avoid the pressure of finding the nearest ATM the second you arrive. Simply log into your Caxton account and select Cash Delivery.

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Cash

Cash is available in 52 different currencies. With a minimum of £250 on all orders

Convenient

Delivery next business day or choose a day which suits, including Saturday.

Secure

Royal Mail will only deliver to you when you're in so you know you'll get your order.

Travel Savings Plan

The Travel Savings Plan is a great way to steadily build up your travel fund and lock in your exchange rate. The flexible plan puts you in control - choose your savings goal and plan duration and we’ll calculate and automate a series of monthly payments to achieve your goal. You can create a plan between 2 and 12 months, saving anything from £200 to £10,000 for your next trip, your overseas wedding, or holiday of a lifetime. Save in any Caxton Card currency, including GBP and lock in today’s rate. As soon as you’ve made your final payment, you will receive the funds directly onto your card in time for your travels.

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Create your plan

Choose the currency, the amount you want to save and set the payment period to suit you. We will do the rest.

Fix the rate

By locking in today’s rate you’ll know exactly how much you will have to spend when you travel.

Spread the cost

Make manageable monthly payments over 2 to 12-months by direct debit to reach your goal.

Discount Lounge Access

With any Caxton card you are welcome to take advantage of up to 45% off* lounge access with No1 Lounges when you next travel via Heathrow, Gatwick, Luton, Birmingham or Edinburgh, and pre-book online. With four types of lounges, to cater for all kinds of travelers and occasions you can be sure you'll be comfortable right up til your flight departs. Enjoy complimentary freshly-prepared food, free drinks from a fully tended bar, and unlimited WiFi. The lounges also offer newspapers and magazines you can take onto your flight. 
Book No.1 Lounges

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Book online

Book online and get the greatest discount.

Show your card

Present your Caxton card on arrival

Relax

Enjoy food, free drinks and unlimited WiFi.

Up to 20% off airport parking

Save money before you travel when parking is the most convenient way to get to and from the airport. SkyPark Secure Airport Parking makes sure that you receive the best price on your airport parking by comparing the prices of over 200 airport car parks at all 26 major UK airports. And as a Caxton customer you’ll get up to 20% off. Choose from short term, long term, mid term and meet and greet parking, all discounted with a Caxton Card. 
Go to SkyPark Secure

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Specialist Holiday Discounts

As either a Caxton card or Caxton Red member, you have exclusive access to the following offers and discounts.

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Even more rewards with RED

Our FREE Caxton Card and account represents excellent value with all the extras described here. Should you choose to upgrade to our premium service at any point, you can be sure the value will be even greater. Caxton RED includes free ATM access in the UK, No FX mark up on card loads and international transfers, reward points on UK spend and £10 cashback for every person you refer to Caxton Red

We have saved our customers £50 million compared to using their banks, over the past 18 years. 

If you take out our Buy Back Guarantee when loading your card then we will buy back any leftover currency at the same rate that you originally purchased it for. Guaranteed.

If you do not know the exact amount of currency you will need for your travel then our Buy Back Guarantee allows you to load your card with confidence. If you have any currency left over after your trip then you can withdraw it back at the same rate of exchange you bought it for. You should not apply the Buy Back Guarantee to Sterling or to the initial load value of £10.

£4.99 for basic account holders or free for Red account holders

You can take out the Buy Back Guarantee each time you load currency to your card. When you’re loading your currency card you will see an option to purchase the Buy Back Guarantee for that particular transaction. Just tick the box and the guarantee will be applied up to the value of that currency transaction. After your travels, you will have the option to apply the Buy Back Guarantee via the Withdraw Balance function.

The greater the balance you are likely to withdraw, the greater the benefit of the Buy Back Guarantee. If you are uncertain of the amount of currency that you might need for your travel then the Buy Back Guarantee allows you to load your card with confidence. That way you will avoid having to reload your card during your trip and also protect yourself from any exchange rate losses on unused currency. Please note, the Buy Back Guarantee only applies to the currency that was originally purchased with the Buy Back Guarantee.

When you log into your online account, choose Withdraw Balance from the menu and you’ll be able to see the balance for each currency on your card and where the Buy Back Guarantee is applicable. Just click on the Buy Back section and we will use the exchange rate of the original purchase to credit the balance back to the payment card used for that purchase. 

Please note, credits can take up to four days to arrive back at the funding card.

Yes, we’ll automatically credit the same card you used when you bought currency.

When you log onto your account online, the Withdraw Balance function allows you to withdraw part or all of your available balance. The Buy Back Guarantee can only be applied once to the relevant currency; i.e you cannot use the Buy Back Guarantee for a partial withdrawal now and then use it again later.

You can use the Buy Back Guarantee for up to 30 days after your first overseas transaction or ATM withdrawal, or 90 days from the date you bought the currency Buy Back Guarantee, whichever comes first. On expiry of the Buy Back Guarantee option, the Buy Back button will automatically disappear and the daily exchange rate will be used to calculate the redemption amount.

No. You can only get the Buy Back Guarantee for currencies that you are buying now.

Yes, you can choose to use the Buy Back Guarantee across all of the currencies we support.

Yes, the Buy Back Guarantee is only available through both our website and on our Mobile App. To get the greatest protection, we recommend that you apply the Buy Back Guarantee to your maximum expected holiday spend.

No, once you’ve bought the Buy Back Guarantee, we are unable to refund it.

The Buy Back Guarantee can be applied to the currency equivalent of the minimum load amount of £300 up to the maximum single load amount of £6,500. You should not apply the Buy Back Guarantee to Sterling loads or to the minimum initial load value of £10.

To get the greatest benefit from the Buy Back Guarantee, we recommend that you load the maximum amount of currency that you think you might need for your travel.

Everything will be fine, your Caxton account will still be active and, should you wish to redeem using the Buy Back Guarantee, the card you used to originally load your Caxton Card will be automatically credited. We automatically send you a replacement card a month before your card expires and, once you activate your new card, your old card becomes redundant.

Yes, Caxton requires each currency to be bought separately so you will need to purchase the Buy Back Guarantee for each currency you buy.

The Buy Back Guarantee is valid for 30 days from your first spend, or 90 days from the date you bought it, whichever comes first.

Please note, to avoid the Buy Back Guarantee being used for currency speculation, we require that you have used your card abroad before the Buy Back Guarantee is becomes valid.

No, we are limiting the Buy Back Guarantee to one currency at a time, so you can purchase the Buy Back Guarantee once for Euros, and once for other currencies. We recommend you load your travel money in one load and get the Buy Back Guarantee for all of your travel money.

No, you can’t retrospectively apply the Buy Back Guarantee to currency you have already bought.

The Buy Back Guarantee captures and stores in our system the exchange rate at which you bought your currency. This rate is then applied when you use the Withdraw Balance function against that currency.

The Buy Back Guarantee is valid for up to 30 days after your first overseas transaction or ATM withdrawal, or 90 days from the date you bought the currency Buy Back Guarantee, whichever comes first. Redemptions made after this will be charged at the rate of exchange applicable at the time plus a £1.50 redemption fee.

  1. Buy Back Guarantee is available to Caxton customers through caxtonfx.com only.
  2. You must make an overseas transaction in the guaranteed currency before you will be able to redeem the product.
  3. You must redeem the product within 90 days of purchase and within 30 days of your first overseas transaction in the guaranteed currency.
  4. The Buy Back Guarantee can be applied only once and only for the currency against which it was purchased.
  5. The total value of protected currency (purchased by your Buy Back Guarantee) will start to reduce upon your first spend overseas, even if you have pre existing funds on your account.
  6. The amount of redeemed currency cannot be more than the original load amount against which the Buy Back Guarantee purchased.
  7. Buy Back Guarantee is non-transferable between currencies.
  8. Buy Back Guarantee applies only to MasterCard prepaid cards loaded through caxtonfx.com.
  9. Caxton reserves the right to change the terms of or withdraw the Buy Back Guarantee at any time and with immediate effect. Any existing Buy Back Guarantees will be honoured.
  10. Buy Back Guarantee must not be used for speculative purposes.
  11. Full Caxton terms & conditions apply to the use of all services.


Log in to your account, navigate to ‘Cash Delivery’ and select the amount of cash you wish to order.  Once confirmed, this will be reflected in your shopping basket and you can then select your delivery date and pay for your order.


Your cash order can only be delivered to a UK address that is registered on your Caxton account. It will be delivered by the Royal Mail Special Delivery Guaranteed service by 1pm on the confirmed delivery date. You will need to sign for the delivery so please make sure someone is at home. Due to limited availability, more unusual currencies will take an additional day to be delivered and you will be advised of this when you place your order. These currencies are identified in the FAQ ‘What Currency can I order’.


Orders placed before 1pm on a business day will be delivered via Royal Mail Special Delivery Guaranteed before 1pm the following business day. During the ordering process you can select an alternative delivery day up to 10 days later; you can also select a Saturday, for which an additional fee applies.

Due to limited availability, some unusual currencies will take an additional business day to deliver.  You will be advised of this during the Ordering Process. See FAQ ‘What currencies can I order’.

Order Placed Order delivered (standard currencies) Order delivered (unusual currencies)
Before 1.00pm on a Business Day Next Business Day, by 1pm

Or request Saturday delivery (fee applies)

Next Business Day + 1 day, by 1pm
After 1.00pm Friday OR

at any time on a non-Business Day

Next Business Day + 1 day, by 1pm Next Business Day + 2 days, by 1pm


There is a minimum order value of £250 and a maximum of £5,000, although we may change these limits from time to time. For insurance purposes, the Royal Mail applies a maximum packet value limit of £2,500. If your order is over this limit then it will be split into two packets and we will apply the appropriate postage charges to each packet. For example, if your total order value is £3,250 then you will receive one packet with up to £2,500 and a second packet with the remainder.


The delivery charges are identified below and there is a small supplement for Saturday delivery. In addition, we charge an administration fee of £2.00 on orders of £750 or less.

Order value Postage charge Saturday postage supplement Administration fee
£200 - £750
£750.01 - £1000
£1000.01 - £2500
£7.50
£8.50
£11.00
£1.50
£1.50
£1.50
£2.00
£0.00
£0.00

You can set up a Travel Savings Plan for any Caxton Card currency, including GBP.  

There is no charge for setting up a Currency Savings Plan. When setting up your plan we will calculate and lock in an exchange rate based on the currency, the amount and the duration of the Plan.

During the online set up process, a quote will be generated based on the details you provide – the currency, the duration and the amount.  The exchange rate will be shown during the setup process along with the monthly plan payments to meet you Plan requirements. The quote is based on live exchange rates and will expire after 5 minutes; you will be alerted to this on screen.

You can set up a Travel Savings Plan for the currency equivalent of between £200 and £10,000.

Your funds will only be added to your Caxton Card balance after your final monthly payment has been made. Once loaded on to your card you can spend your funds as you wish.

If the amount to be loaded to your Caxton Card breaches your Card limit, then we load as much as possible leaving the remaining balance on your Account Currency Balance for your future use.

In order to fix the applicable exchange rate and automate the payments, we require you to commit to the Plan that you have set up. Your plan cannot be amended, it can only be cancelled.

You must contact us to arrange cancellation of your Plan. If the cancellation is less than 5 days before the next Plan Payment is due, the Plan Payment may still be deducted from Your authorised debit card; in this case Caxton will contact you to discuss refund arrangements.

You will have the option to; -

  • either receive, to your Caxton card, the currency value You have paid for up to the cancellation date, less cancellation charges;
  • or not to receive any currency and have the GBP amount paid back to Your Debit Card, less cancellation charges;

in both cases, cancellation charges will be deducted from the amount you receive. See the Cancellation charges information below.

If you need to cancel your Plan, or Caxton needs to cancel your Plan due to a failed payment after 72 hours, then the following charges will apply:

  • Administration fee £50
  • Reversal Loss.

The Reversal Loss is calculated on the exchange rate difference between when you set up your Plan and the cancellation date applied to the currency amount you do not take delivery of.  

For example; if your plan amount is EUR6,000 and you cancelled after paying for EUR2000, then if you chose to receive the EUR2000 the Reversal Loss would be calculated on the EUR4,000. If you choose not to receive any of your plan value then the Reversal Loss would be calculated on the full amount of EUR6000.

The amount of the Reversal Loss will be calculated and confirmed to You by Caxton. 

No, interest is not paid on any payments you make to us.

No, you will get access to your currency at the end of the plan period. If you need to change the Plan you will need to cancel it and pay the cancellation costs. In the first instance please contact us to discuss.

Your money is protected in one of two ways.

Your Plan Payments are held as Client Money by Caxton as Investment Products regulated under the Financial Services and Markets Act and are also covered by the Financial Services Compensation Scheme (FSCS).  Further details are provided in the Travel Savings Plan Terms and Conditions.

If you need to cancel your Plan, then please contact us in the first instance. Charges are due if you cancel your Plan. Please see the next FAQ for cancellation charges.

Caxton Travel Savings Plan Addendum 

The following Terms apply to the Caxton Travel Savings Plan and form an Addendum to the Mastercard Prepaid Card Terms and Condition that apply to you (You / Your) as a Caxton Card customer. You agree to this Addendum by ticking acceptance of the Terms and Conditions as identified in the Plan setup process online. Once agreed and entered into, the Currency Savings Plan cannot be changed without incurring charges.

This Addendum is intended to govern only the services regarding the Travel Savings Plan; all other provisions of the Mastercard Prepaid Card Terms & Conditions remain operative and shall govern all other Caxton services. 

1. Contact details

If there is anything You do not understand or agree with, please contact Caxton using the following details:

  • Telephone: 0333 123 1815 or 44 (0) 207 235 3435 from outside the UK;
  • Mailing address: Caxton FX Ltd 11th Floor Portland House, Bressenden Place, London SW1E 5BH;
  • Email: [email protected].

2. Travel Savings Plan (Plan) options

The Travel Savings Plan (Plan) gives you the option to make monthly Plan Payments to

build a Final Amount in GBP (a GBP Plan) or other Caxton Card currency (a Currency Plan).

Under the terms of this Travel Savings Plan Addendum, You agree to making a series of monthly payments with the purpose of achieving a Final Amount at a future Maturity Date which will be loaded to your Caxton Account and Caxton Card.

2.1 Currency Plan

When You set up a Travel Savings Plan in a non-GBP currency (Currency Plan) you choose the following parameters, all of which become fixed when You complete the set-up process; the Plan Currency; the Final Amount in the Plan Currency between the value of £1,000 and £10,000 or currency equivalent; the number of monthly Plan Payments; and the Payment Day of the month You want Caxton to take payments. The number of Plan Payments and the Payment Day determine the Maturity Date of the Plan.

Under the terms of the Currency Plan, and as distinct from the GBP Plan, the Final Amount will only be added to Your Caxton Card after the final Plan Payment has been made. If the Final Amount exceeds Your Caxton Card load limits then the balance will remain on your Caxton Account Currency Balance for your future use. See the Mastercard Prepaid Card Terms & Conditions for Your Caxton Card limits.

To provide the Currency Plan, Caxton buy a Forward Contract on the currency markets. By its nature, and under the terms of this Addendum, a Forward Contract is a binding agreement between You and Caxton to buy the Final Amount of currency at the future Maturity Date at an agreed rate of exchange. These Currency Plan arrangements are fixed. See the Changes section and the Cancellation section in this Addendum.

There is no draw-down facility during the Currency Plan Payment Period and no interest will be paid on the money you pay to Caxton during the Plan Payment Period.

2.2 GBP Plan

When You set up a Travel Savings Plan in GBP (GBP Plan) you choose the following parameters; GBP as the Plan Currency; the Final Amount in GBP between £200 and £10,000; the number of monthly Plan Payments; and the Payment Day of the month You want Caxton to take payments. The number of Plan Payments and the Payment Day determine the Maturity Date of the Plan.

After each Plan Payment, Caxton will transfer the Plan Payment amount to Your Caxton Card up to the load limit of Your Caxton Card. If the Plan Payment exceeds Your Caxton Card load limit then the balance will remain on your Account Currency Balance for your future use. See the Mastercard Prepaid Card Terms & Conditions for Your Caxton Card limits.

3. Plan Setup

To setup your Travel Savings Plan you must be a Caxton Cardholder and must setup your Plan via Your online account. Once you have entered the required information online to define the Plan, a Plan Quote will be displayed showing any applicable rate of exchange (not applicable for a GBP Plan), the amount of each monthly Plan Payment and the total of the Plan Payments. The Plan Quote will be valid for a duration of 5 mins after which you will be alerted via the setup process that the Your Plan Quote has expired. To complete the setup You will be asked to confirm permission for Caxton to take the Plan Payments from the debit card registered against Your Caxton Account and to accept the Travel Savings Plan terms and conditions.

4. Plan Payments

Under the terms of this Addendum, You are obliged to make the Plan Payments on the monthly Payment Day You defined when setting up Your Plan. Caxton will take Plan Payments on the monthly Payment Day from the debit card you authorised for payments in the setup process. 

The first Plan Payment will be taken when you sign up for the Plan. Thereafter, the Plan Payments will be taken the next and subsequent calendar months on the monthly Payment Day you have requested.

Should the debit card You authorised during the Plan Setup becomes invalid for any reason during the Plan Payment Period You must notify Caxton. If Caxton is unable to take a due Plan Payment from the debit card provided, Caxton will endeavour to contact You at the earliest opportunity. In the event of non-payment after 72 hours Caxton will cancel Your Plan and the Cancellation terms will apply; see the Cancellation section of this Addendum. 

5. Payment protection

Plan Payments made to a GBP Plan are loaded directly to your Caxton Card Account and are held in a secure account with an authorised credit institution as detailed in the Mastercard Prepaid Card Terms and Conditions.

Plan Payments made to a Currency Plan are held as Client Money by Caxton as Investment Products regulated under the Financial Services and Markets Act and are also covered by the Financial Services Compensation Scheme (FSCS). Under the FSCS you are considered a Private investor and are covered by the FSCS for 100% of the first £30,000 and 90% of the next £20,000 up to £48,000. Further details of the scheme are available from the FSCS website www.fscs.org.uk.

6. Changes

Caxton is unable to permit changes to the Plan Currency, Final Amount, the Plan Period or the monthly Payment Day. In the first instance you should contact Caxton. To amend or change Your Plan it will be necessary to cancel Your existing Plan and the relevant Cancellation terms will apply; see the Cancellation GBP Plan or Cancellation Currency Plan in this Addendum.

7. Cancellation

Your Plan can be cancelled by You or by Caxton in the event of an unpaid Plan Payments after 72 hours. If You need to cancel Your Plan you must contact Caxton; Contact Details are provided in the Addendum. Please see below for the specific Cancellation terms for your Plan.

7.1 Cancelling a GBP Plan

If you have a GBP Plan there are no cancellation charges. 

In the event of Cancellation of a GBP Plan, Caxton will cease taking payments from Your authorised debit card. If the cancellation is less than 5 days before the next Plan Payment is due, the Plan Payment may still be deducted from Your authorised debit card; in this case Caxton will contact you to discuss refund arrangements.

7.2 Cancelling a Currency Plan

If you have a Currency Plan an Administration fee of £50 plus any applicable Reversal Loss will be due for payment by You. When you cancel Your Currency Plan, You have the option to;-

  • either have the currency value You have paid for up to the Cancellation Date loaded to Your Caxton Card;
  • or not to receive currency and have sterling paid back to Your Debit Card;

in both cases, cancellation charges will be deducted from the amount you receive.

The Reversal Loss is dependent on the exchange rate difference between when You setup Your Plan and the cancellation date applied to the currency You do not take delivery of. The Reversal Loss will be calculated and confirmed to You by Caxton.

If the cancellation is less than 5 days before the next Plan Payment is due, the Plan Payment may still be deducted from Your authorised debit card; in this case Caxton will contact you to discuss refund arrangements.

09/05/2018