Whether you have a Visa card, a MasterCard or have been upgraded to our new account, you’ll find the answer you need, right here.
You can do an online load at www.caxtonfx.com or with the Caxton Mobile App https://www.caxtonfx.com/currency-cards/smartphone-app. Your first load must be made online for security reasons but after then you can load freely using the app.
Choose from the following:
Yes you can. You can have any of the currencies listed above on your card at any one time. Simply choose the currency you want to load from the drop down within your account.
Yes you can. You can load your card with Sterling and we will convert into the local currency at the time of the transaction.
You can find a full list of all load limits below:
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
|Available balance enquiry - ATM||0.3|
|Available balance enquiry - online||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.
|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|
|Maximum withdrawal amount in 24 hours||300|
|Maximum card loads via the website in 24 hours||2|
|Maximum card loads via the app in 24 hours||1|
Your card must be loaded from a personal UK debit card in the primary cardholder's name and registered at their address.
Once loaded, funds will normally be available within minutes.
Our exchange rates are published on our website here:
There are an amazing 35 million outlets worldwide where your MasterCard is accepted. These include shops, restaurants, ATMs and online. Be aware that there are some places where cards are more accepted than others – and that some overseas ATMs may be less reliable than in the UK. If you prefer to use cash overseas we also offer a travel cash service.
You can check your card balance by logging into your online account or the Caxton Mobile App.
If you are at an ATM or somewhere where the bill is presented in Sterling rather than the local currency (i.e. euros or dollars), always opt to pay in the local currency. What they are offering is Dynamic Currency Conversion, or DCC. The merchant invites you to pay in Sterling and then performs the exchange at their rate rather than the Caxton rate. That could be unfavourable, which may cost you money. Remember to check the payment terminal and if the amount is shown in Sterling, and then ask that it is changed.
Each retail store has its own returns policy and will handle the returns in the same manner as any other MasterCard transaction so in the first instance, please refer to that store.
Caxton doesn't charge a fee for overseas ATM withdrawals. Be aware that some overseas ATM owners may charge you a fee. This is not Caxton charging you, this is the ATM owner.
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 us.
Yes, your card will work in the UK. Please refer to our terms and conditions for any fees you may be charged. Be aware that using your card in the UK in any currency other than Sterling would involve an extra foreign exchange charge determined by MasterCard rather than Caxton.
Do not use your Caxton card for any security deposits when you check into a hotel or hire a car. Use any other card (we suggest a credit card) and only use your Caxton card to settle the bill. When a card is used for security deposit, a block is put on the funds for the relevant amount on that card. Unlike a credit card your Caxton card holds a prepaid balance and the block will stop you from spending the deposit amount of your travel cash. A block can last for up to 30 days. Use any other card for the security deposit and your Caxton card when the payment transaction is required. The funds will still be pre-authorised on the other cards. If you have any questions regarding this, do not hesitate to contact us.
In this situation the transaction will be declined. It would however be possible for you to go to the Caxton Mobile App or online and load more money to your card. Funds are available immediately so you can re-try the payment in a matter of minutes.
There are a limited number of ATM withdrawals you can make in a 24 hour period. You can view a full list of all limits
There are limits on the number of transactions you can make in a 24 hour period. You can see a full list of all limits
You can track your spending by either logging into your account or using the Caxton Mobile App. Be aware that some transactions can take a few days to show up on your statement which is slower than debit card transactions in the UK.
You can order Secondary Cards within your online account. Under ‘My Currency Cards’ you will see a button for Secondary Cards. Once you have ordered it, the card will be sent to you and arrive in the post within 5 days.
You can redeem all or some of the funds on your currency card. To do so, please either log in to your account and click ‘Redeem balance’ or email us.
If you are holding pending transactions on your Caxton card, you will need to wait for them to clear before being able to redeem.
Even if you have redeemed all your funds, your card account will stay open, ready to load for your next trip.
Sadly we are not able to offer interest on any funds loaded onto your currency card.
No. However, you can view your current balance and transactions free of charge by logging into your account or using the Caxton Mobile App.
If your address, phone number or e-mail address changes, you must let us know as soon as possible by logging into your online account and updating the necessary sections. If we need to contact you about your currency card (for example to send you a refund or send you a renewal card) we will use the most recent contact details you have provided.
You can cancel your currency card within 14 days of receiving it. If your card is cancelled, we will immediately block your card so it cannot be used. You will not be entitled to a refund of money you have already spent on any transactions or any fees for use of the card before it is cancelled. You can cancel your currency card by sending an email to us.
Please visit the login screen and click on the ‘Forgotten Account ID or Password' links, and follow the instructions. We cannot give you this information over the phone.
To remove or update your debit card, log in to your account, navigate to "My Account" and "Debit Cards", and you can remove debit cards attached to your account. To add a new debit card to your account, when adding funds to your currency card, select to add a new debit card. You are only able to have two active debit cards.
Easily switch balances between currencies by logging in to your online Account. If you have any pending transactions, you will not be able to switch your balance.
You can get your PIN online after logging in to your account or via the Caxton Mobile App (click ‘Settings’ and then ‘Reveal PIN’). We do not send your PIN via mail.
Log into your account online or via the Caxton Mobile App to get a PIN reminder.
You can only change your PIN at UK ATM’s, so may sure you change your PIN before you go abroad. You cannot change your PIN within your online account or using the Caxton Mobile App. Once you change your PIN, you can review this either via the online account or Caxton Mobile App.
If you lose your card, it's stolen or you suspect that your card has been used by someone, you must tell us as soon as you can by calling our 24-hour lost and stolen helpline on 0333 123 1812 from the UK or from outside the UK +44 207 201 0526 when calling internationally. We will then cancel your card.
If you have access to your Caxton app, then you are able to block the card yourself. Just go to ‘Menu’, ‘Settings’ and move the Block switch to Block. Please note, that once blocked on the app, you have to call the helpline to unblock your card.
We will ask the police to investigate any suspected misuse of your card and they may need more information and assistance from you. We will refund the amount of any transactions which the investigations show are not authorised by you, provided you have kept your card and PIN secure. However, if the investigations show that any disputed transaction was authorised by you, or you have not kept your card or PIN secure, we will not refund the transaction amount.
We want you to be happy about our service but we recognise that sometimes things can go wrong. To help resolve any problems you may have, we have a straightforward complaints process for you to follow.
Our new Ask Caxton will provide you with a great way to search for your answers.
This is because your current Visa card will be expiring shortly. Weare no longer issuing Visa cards so we have sent you a new MasterCard in its place. We will have sent you a number of emails to your registered email address telling you about this and explaining what do to next. Please check your inbox and any spam folders you may have for these email instructions. If you need further help on what to do next please email firstname.lastname@example.org
Follow the instructions on the letter to which your new card is attached. These instructions tell you to visit www.caxtonfx.com/activate and show you how to access your new MasterCard account online. In order to improve security and transfer any balance you might have on your Caxton card, you will need to confirm your details and create a new password for your account.
Once you have activated the card, all your Caxton Visa cards become invalid and any existing funds in whichever currency will be transferred automatically to your new card. However, please note that it can take up to 48 hours so don’t worry if this does not happen immediately.
Once you have activated the new MasterCard, all your Caxton Visa cards become invalid. So please discard your Visa card securely once you have activated your new MasterCard.
You will only receive one Caxton card. This card will replace and combine any existing cards that you have because the new card can hold more than one currency. You can then use one card for any overseas trip.
Unfortunately not. We are no longer issuing Visa cards.
You may be using the PIN for your old Visa card. To get your new PIN, just log in to your account, go to My Currency Cards and you can view your PIN where it shows your card details. Alternatively, you can get it via the Caxton Mobile App (click ‘Settings’ and then ‘Reveal PIN’). We do not send your PIN via mail, email or over the phone.
Yes. You get the PIN for your new card from your online account or via the Caxton Mobile App (click ‘Settings’ and then ‘Reveal PIN’). We do not send your PIN via mail, email or over the phone.
You can do this at the majority of UK and overseas ATM’s just as you would with a UK debit card. You cannot change your PIN within your online account or using the Caxton Mobile App.
When activating your card you’ll be asked to confirm your details and create a new password for your account. You then use your email address and this new password to access your account.
You can load your card with Sterling and we will convert into the local currency at the time of the transaction. Please see terms and conditions for exchange rates, fees and charges.
No, Caxton FX has recently introduced a new prepaid MasterCard currency card programme.
If you still have a Visa Card and would like to upgrade to a MasterCard, please call 0333 123 1812
Log in to your Caxton account and select the currency you wish to transfer. This will display the 'live' exchange rate for that particular currency. If you are looking to transfer a larger amount (ie over £20,000) or discuss a currency strategy, please call us on 0333 123 1815 to discuss your needs and for a rate quote.
We offer live exchange rates within our online payment service – Caxton FastPay. You can view the rate on any of our 23 currencies we offer online, by logging in to your account and selecting your desired currency.
Caxton does not charge any fees for sending money abroad.
On a typical transaction we can help you get up to 4% more money for your money, in comparison with the banks. This is because we will offer you a more competitive exchange rate and do not charge any transfer or commission fees.
You can fix an exchange rate for a date in the future by using our telephone currency service. You will need to be transferring over £5,000. This facility is not currently available on our international online payment system – Caxton FastPay.
You can transact any amount over £100. All international transfers are fee-free with Caxton, regardless of the amount you transfer. So whether you need to send money home, make monthly mortgage repayments or send a one-off payment overseas, our online service provides a flexible and cost effective solution.
You can transact a maximum of £50,000 when using our Caxton FastPay service. If you wish to transfer currency over this amount, you can use our Telephone transfer Service, by calling 0845 658 2223.
You can make an international payment in three simple steps. You can complete these steps in a matter of minutes.
If you do need further information you can call us on 0845 658 2223.
A beneficiary is the payee or the details of the account to which you wish to send money overseas. Call us on 0845 658 2223 to discuss your needs and for a rate quote.
Once you have selected your currency and the amount you wish to transfer overseas, you will be asked to enter your beneficiary details. Simply follow the instructions on screen and enter the details. Our easy-to-use system will also store your beneficiary details, for ease of use and to help with your record-keeping.
Once you have selected your currency, the amount you wish to transfer overseas and your beneficiary details, you will be asked to enter your debit card details. Simply follow the instructions on screen and enter the details. If you wish to use a debit card that you have previously used, simply select the debit card from the drop down navigation.
We offer a selection of currencies to suit your international transfer needs. We currently offer 24 currencies within our online payment system.
If you need to transfer currency in a particular combination, or a currency that’s not listed, please call us on 0845 222 2658 and we’ll talk to you about our tailored Currency Service.
You can speak to one of our Currency Analysts or your personal Account Manager for detailed information about any of the currencies that we transfer.
Once you have submitted your international payment, the time it takes for funds to arrive in your account will vary depending on the currency that you're sending.
First, please check that the three-digit security code on the back of your debit card is correct and the expiry date is correct. If you've checked these two items and the payment still does not go through, you should contact your bank and confirm that they are not blocking the payment.
If you are still experiencing difficulty, after speaking to your bank, please contact the Caxton helpdesk by calling 0845 658 2223.
Please visit the login screen and click on the ‘Forgotten Account ID or Password' links, and follow the instructions. We cannot give you this information over the phone.
No. You can make as many international transfers as you need. We do ask that the amount you transfer online is between £100 and £20,000. If you need to transfer currency to an amount over £20,000 please call us on 0845 658 2223 for details about our Currency Services.
Yes. Your business can start using our online payment platform, today. You will need to set up a separate Business Online Payments account. You will be issued with new log-in details. For more information on how Caxton can help save your business money and simplify your international payment process, please call our Business Team on 0207 201 0526.
No. Caxton does not charge you commission and unlike our competitors, none of our sales staff is paid commission, meaning you will receive excellent value on each and every currency transaction.
The interbank rate is the rate at which banks and large financial institutions trade with each other. We make our money on the difference between the interbank rate and the rate we quote you. This is called a spread. The spread that we give to our clients is much better than the banks offer. We do not charge any fees or commission on top.
Yes. Caxton FX Limited is authorised and regulated by the Financial Conduct Authority under the Financial Services and Markets Act 2000 as well as the Payment Services Regulations 2009. For more information on the security of your funds please click here.