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 prepaid MasterCard currency card

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

What to look out for


  • Don't place a security deposit using your currency card

    It could mean the relevant amount is blocked on your card and it can take up to 30 days for the block to be removed. This includes hotels, car hire, bicycle hire and deposits of all kinds. Use any other card for the security deposit and your Caxton FX card when the actual payment is required.


  • Dynamic Currency Conversion (DCC) - don't pay in sterling!

    When using your prepaid card to pay for goods, you may get the choice of paying in either euros /dollars or in sterling - always choose the local currency. Why? Because retailers and ATMs 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!


  • Automated petrol pumps

    Although you can use your Caxton FX MasterCard prepaid card at automated petrol pumps, please be advised that an amount of €120-€500 may be on hold for up to 20 days when using these pumps. The merchant should release the hold when settling the transaction and debiting the correct amount from your card. We do however recommend using a different card for these types of purchases.


  • Avoid using your prepaid card at Toll booths

    Caxton FX prepaid cards require a merchant to seek authorisation before they provide the goods or services. The majority of European toll roads and bridges do not seek an authorisation and therefore you can't use your Caxton FX currency card at most toll booths.


  • 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.


  • Know Before You Go - staying safe and healthy abroad

Your common questions


    • Checking your balance

      You can view your balance online or via the app for free. You can now also view your balance at ATMs for a fee of £0.30.


What are the maximum ATM withdrawal limits on my card?

The maximum number of ATM withdrawals in a 24-hour period is 2, with a maximum combined total of £300 per day.


    • Overseas ATM fees and charges

      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. For example, many ATMs in Thailand will charge for an ATM withdrawal, usually 150 Thai Baht (about £3), regardless of the amount you withdraw. A large number of banks in the US will also charge, but they normally inform you of this before letting 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 FX.


    • Changing your 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.


    • 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.


    • 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.


    • Maximum card loads per 24 hours

      You are able to load your card twice in the of 24 hours via the website or once within a 24 hour period via the app.

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 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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