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How the Card Works

At Caxton we make it easier and safer to spend your money abroad and save you money in the process.

1 - Load your Card

Via the App

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


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

2 - Using your Card

Relax on your holiday with the knowledge you're getting the best deal

Spend Fee-free abroad

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.

Peace of Mind

The Caxton card is 'chip & PIN' secure.

* Caxton 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 charging you, it's the ATM owner.

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

John Talbot, Caxton Cardholder

Fees, charges and limits

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.

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

*PIN reminder is available online on your account or on the app. If you change your PIN at an ATM, your online account and app will still show the new PIN.

Limits GBP
Minimum load 50
Maximum single load 12,000.00
Maximum total available balance 12,000.00
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 in a 24-hour period 2
Maximum value of single ATM withdrawal 300
Maximum withdrawal amount in a 24-hour period 300

Apply for your card today and have it within 3 - 5 days

  • Multiple currencies, one card
  • Use worldwide
  • Great rates
  • 0% commission
  • No overseas ATM fees
  • Delivered in 3 - 5 days

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We have compiled a list of common questions in our FAQ section

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Speak to a UK Customer Service team

To discuss our services or to become a Caxton customer contact us.