How the card works

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Step 1 - Load your card

Choose the currency you want then load it directly onto your Caxton FX card.

Via the Caxton Mobile App

You can transfer money to the card using the Caxton Mobile App. Visit the Caxton Mobile App page for more details.

Using an online account

Load your card via your online account 24 hours a day 7 days a week.

Give us a call

Call one of our friendly team on 0207 201 0526 and we can do it for you.

Step 2 - Use your card

Spend Globally fee-free.

Fee-free purchases overseas. Withdraw cash at overseas ATMs without charge*

Accepted worldwide

Accepted at over 35 million outlets worldwide, displaying the MasterCard sign - in a store or online

Security for peace of mind

The Caxton FX card is 'chip & PIN' secure.

*Caxton FX does not charge a fee for overseas ATM withdrawals. When you use an ATM overseas, the ATM owner may charge you a fee. This is not Caxton FX charging you, it's the ATM owner.

**The difference between the fixed 2.49% exchange rate and the prevailing interbank rate will appear on your billing statement.

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Top tips when using your Caxton Card abroad

Our comprehensive FAQ's will provide you with more information.

What to look out for


  • Avoid using your card for

    Security deposits, automated petrol stations, toll booths, car rentals and hotel room deposits.


  • Security Deposits

    Use of your Caxton Card as a security deposit, can lead to funds being held in reserve, for up to 20 calendar days. This includes hotels, car hire, bicycle hire and deposits of all kinds. Use any other card for the security deposit and your Caxton Card when the actual payment is required.


  • Petrol Stations

    Although you can use your Caxton Card at automated petrol pumps, please be advised that an amount of €120-€500 may be held for up to 20 days on your card. The merchant should release the hold when settling the transaction and debiting the correct amount from your card.


  • Dynamic Currency Conversion (DCC) – Always choose local currency

    When using your Caxton Card to pay for goods, you often get the choice of paying in either euros /dollars or in sterling. Always choose the local currency. ATMs and retailers may give you the choice, and you might think that paying in sterling saves you money. It doesn't. If you pay in sterling the retailer converts your payment at their exchange rate and you lose out. This is called Dynamic Currency Conversion (DCC) and could catch you out. Remember to check the screen before authorising transactions. If the value is shown in pounds - ask that it is changed.


  • Lock-in your currency rates

    If you need a specific currency, aside from sterling, you can buy at any time before you travel and ‘lock-in’ your rate, giving you peace of mind on your holiday - for a full list, see our available currencies. Take a back up card, in case of emergencies. It might be obvious, but look after your card - you might lose some or all of the funds on it if the card is lost. A good back-up plan is to take a secondary card and leave it in the hotel safe. That way, if your card does get lost or stolen, you can block it and use your back-up.


  • Using your Caxton Card in the USA

    For full advice on ATM usage, charges, car rental and securing your US dollar rates before you go read our Caxton USA Guide.


  • Can I use my card in the UK?

    You can use your card at ATMs and point of sale in the UK but a £1.50 fee will be applied to the transaction. Outside the UK, these fees do not apply.


  • What do I do in countries whose currency isn't available from Caxton?

    Preload your card with GBP (sterling) for those countries where we don't offer their local currency, e.g. Thailand. The exchange rate is applied at the time you make the transaction.


  • Your card is valid for 2 years

    Your Caxton FX card will be valid for 2 years from the date it is issued. It will expire at the end of the month displayed on your card; if the expiry date on your card is 06/20, it means it will expire on the last working day of June 2020.


  • Overseas ATM fees and charges

    Caxton does not charge for overseas ATM withdrawals. However, the ATM owner may charge you a fee. This is not Caxton. E.g. Many ATMs in Thailand will charge usually 150 Thai Baht (about £3) for each ATM withdrawal. US banks often charge, but they normally inform you of this before you proceed. Unfortunately, if the ATM owner chooses to charge for a withdrawal, there is nothing we can do to prevent or refund this charge as it is not levied by Caxton.

    Many banks charge higher fees for international ATM withdrawals - either a flat rate (typically £1 - £6) or a set percentage of your total withdrawal (usually 1 - 3 percent). Because these small charges can add up quickly, you will probably want to withdraw larger amounts than you might normally do at home.

    For more specific details for using our Caxton Card in the USA, read our Guide to the USA



  • Know Before You Go - staying safe and healthy abroad

Your common questions


    • Where can I use my Caxton Card?

      As a MasterCard®, your card is accepted at over 35 million outlets in 210 countries. Anywhere you see the MasterCard® Acceptance Mark. Here’s where to find the ATM’s accepted by MasterCard.


Can I use my card in the UK?

You can use your card at ATMs and point of sale in the UK. Please be aware that a £1.50 fee will be applied to the transaction. Outside the UK, these fees do not apply.


      • What do I do in countries where their currency isn't available from Caxton?

        For those countries where we don’t offer their local currency, simply pre-load your card with GBP (sterling). E.g. Venezuela, Cambodia and Thailand. A specific rate* is then applied at the time you make the transaction, or withdraw cash from a foreign ATM.


      • How do I check my balance?

        You can view your balance online or via the app for free. However, if you don’t have access to those, you can also view your balance at ATMs for a fee of £0.30.


      • How do I change my pin?

        You can change your PIN at most UK cash machines. But don't leave it until you're away - overseas cash machines won't allow you to do this. Some UK ATMs may tell you that you will be charged for this service - you won't be.


      • Using our Buy Back Guarantee

        If you’re anticipating that you may have money left over at the end of your trip, and don’t want to keep it on your card, you can get the same rate you paid for it with our Buy Back Guarantee.


      • Do I pay in local currency or GBP?

        This is called Dynamic Currency Conversion (DCC). If a merchant gives you an option to pay in local currency or GBP (Sterling), then always choose the local currency e.g. euro’s/dollars. Otherwise, the merchant converts your payment at their exchange rate.


      • Secondary Cards for your family

        You can give your family or children access to your Caxton account with a secondary card. Once you’ve activated your card, you can apply for up to 6 cards. This costs £5 per card, and can be ordered once you’ve logged into your account.


Maximum card loads per 24 hours

You are able to load your card twice within a 24 hour period via the website. Once within a 24 hour period via the app. You can load up to £6,500 on to your Caxton Card.


      • Minimum card load

        We ask you to load more than £50 at a time.


      • What are the ATM withdrawal limits on my card?

        2 ATM withdrawals in a 24 hour period. A maximum combined total of £300 per 24 hour period, or currency equivalent. Many frustrated travellers have walked away from ATMs thinking their cards were rejected, when actually they were asking for more cash in euros/dollars than their daily limit allowed.

        Be aware that many foreign ATMs have their own limits. If the ATM won’t let you withdraw your daily maximum, you’ll have to make several smaller withdrawals to get the amount you want. Note that few ATM receipts list the exchange rate, if you’re withdrawing from your GBP balance, and some machines don’t dispense receipts at all.


      • Finding an ATM

        If you’re looking for an ATM, ask for a distributeur in France, and a Bankomat just about everywhere else. Many European banks have their ATMs in a small entry lobby, which protects users from snoopers and bad weather. When the bank is closed, the door to this lobby may be locked. In this case, look for a credit-card-size slot next to the door. Simply insert or swipe your debit or credit card in this slot, and the door should automatically open.

        Use the MasterCard locator to find an ATM.

        Stick to Bank ATMs, as many third party ATMs aren’t affiliated with banks, often situated near major banks and labeled with names such as Travelex, Euronet, Moneybox, Cardpoint, and Cashzone. We suggest you avoid these because they might charge higher fees.


Currencies

  • GBP GB Pound
  • EUR Euro
  • CAD Canadian Dollar
  • CHF Swiss Franc
  • NZD New Zealand Dollar
  • HKD Hong Kong Dollar
  • DKK Danish Krone
  • ZAR South African Rand
  • USD US Dollar
  • AUD Australian Dollar
  • JPY Japanese Yen
  • SEK Swedish Krona
  • HUF Hungarian Forint
  • PLN Polish Zloty
  • NOK Norwegian Krone

 

MasterCard prepaid currency cards – fees, charges and limits

Fees, Charges & Limits in - GBP

Although the below values are displayed in GBP, if your card is loaded in a different currency, your card will be charged in that currency.

FEES & CHARGES GBP
Card purchase and Annual Fee Free
Secondary Card purchase (applied to the card balance) 5.00
Load and reload Free
Point of sale transaction - international Free
Point of sale transaction - domestic 1.50
ATM transaction - international Free
ATM transaction - domestic 1.50
Over the counter cash - international 4.50 plus 2% of withdrawal amount
Over the counter cash - domestic 4.50 plus 2% of withdrawal amount
FX mark-up where a Transaction is performed in a currency different from the
currencies available on the card
2.49%
Available balance enquiry - ATM 0.3
Available balance enquiry - online Free
PIN reminder* Free
Card renewal Free
Card replacement fee - damaged/lost/stolen 5.00
Redemption processing fee 1.50

*You can change your PIN at most UK cash machines. But don't leave it until you're away - overseas cash machines won't allow you to do this. Some UK ATMs may tell you that you will be charged for this service - you won't be. Your new pin will be available online or via the app.

Limits GBP
Minimum load 50
Minimum load on mobile 100
Maximum single load 6,500.00
Maximum total available balance 6,500.00
Maximum number of loads per day 2
Maximum load amount per year 50,000.00
Maximum number of point of sale Transactions per 24-hour period 20
Maximum number of ATM withdrawals per 24-hour period 2
Maximum value of single ATM withdrawal 300

 

Visa prepaid currency cards – fees, charges and limits*

*Caxton FX are no longer issuing Visa cards.

Fees & Charges

Fees & Charges

FEES & CHARGES Global Traveller Europe Traveller Dollar Traveller
Card purchase Free Free Free
Secondary Card purchase (applied to the card balance) £5.00 €7.50 $10.00
Load and reload Free Free Free
Point of sale transaction - international Free Free Free
Point of sale transaction - domestic £1.50 €1.75 $2.00
ATM transaction - international Free Free Free
ATM transaction - domestic £1.50 €1.75 $2.00
Over the counter cash - international £4.50 plus 2% of withdrawal amount €6.50 plus 2% of withdrawal amount $8.00 plus 2% of withdrawal amount
Over the counter cash - domestic £4.50 €6.50 $8.00
FX mark-up where a Transaction is performed in a currency different from the currency of the card 2.75% 2.75% 2.75%
Available balance enquiry - online Free Free Free
Available balance enquiry - via SMS Free Free Free
PIN reminder* Free Free Free
Card renewal Free Free Free
Card replacement fee - damaged/lost/stolen £5.00 €7.50 $10.00
Redemption processing fee £1.50 €2.00 $3.00
Investigation fee Up to £50 (see section 9)

*Calls are typically charged at between 1p and 12p per minute depending on the time of day for landline customers, plus a call set-up fee. Calls from mobile phones generally cost between 5p and 40p per minute.

Card Limits

Card Limits

LIMITS Global Traveller Europe Traveller Dollar Traveller
Minimum load £100 €150 $200
Maximum initial load £500 €750 $1,000
Maximum single load £5,000 €7,500 $10,000
Maximum total available balance £5,000 €7,500 $10,000
Maximum number of loads per day 2 2 2
Maximum load amount per year £40,000 €50,000 $60,000
Maximum number of point of sale Transactions per 24-hour period 20 20 20
Maximum value of point of sale Transactions per 24-hour period £5,000 €7,500 $10,000
Maximum number of ATM withdrawals per 24-hour period 2 2 2
Maximum value of ATM withdrawal per 24-hour period £300 €500 $750
Maximum point of sale limit over 4 days £15,000 €18,000 $30,000
Maximum value of single ATM withdrawal £300 €500 $750
Maximum number of ATM withdrawals over 4 days 5 5 5
Maximum value of ATM withdrawal over 4 days £1,200 €2,000 $3,000

 

Great company, excellent product

 My Caxton FX card has been invaluable. It's a fantastic thing to have on your travels. 

John Talbot, Caxton FX cardholder

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