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Top tips when using your Caxton Card abroad

Our comprehensive FAQs will provide you with more information.

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 authorizing transactions. If the value is shown in pounds - ask that it is changed.
Security deposits and petrol stations:
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. 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.
Back up card:
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 backup 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 backup.
Finding an ATM:
Use the Mastercard locator to find an ATM. Stick to bank ATMs, as many third-party ATMs aren’t affiliated with banks, but are 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.
Mastercard ATM Finder
Download the app:
Download our app for easy loading, checking transactions and balances on the go, and check your pin.


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