How does the halifax clarity card work

Pack a few payment options Such as a debit card, credit card and local currency. Note down useful phone numbers You might need these in an emergency. Perhaps save them to your mobile. Have you tried the Mobile Banking app? If your Halifax card is lost or stolen If you're registered for Online Banking , you can report your credit card as lost or stolen online. Frequently asked questions on using cards abroad.

Can I buy local currency with my credit card? Is it more expensive to use a credit or debit card abroad? A summary on using credit cards abroad When you use your credit card for overseas transactions, interest and fees might apply. So you understand any costs, check your account terms and conditions or latest statement. Want to read more? Fees and rates. Starling and Monzo offer similar fee-free travel card products , the big difference being those are debit cards where you spend your own money with no interest payable , whereas the Halifax Clarity credit card is a credit product, where you are extended credit to use and then repay.

In terms of no-foreign-transaction-fee credit cards, this product competes with the Barclaycard Rewards credit card , which is arguably a better product because while both have no annual fee and no foreign transaction fees. Additionally, Virgin Money recently announced that it was no longer charging foreign transaction fees on some international purchases, though those are reward-earning credit cards.

Related: These are the best UK cashback credit cards for This is a basic credit card. The two perks of this programme are access to credit rather than it being a debit card , and no foreign transaction fees for purchases or cash machine withdrawals. Do keep in mind if you are looking for a product like this there are competing products that also offer cash-back for all of your purchases.

You can apply for this card here. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Many of the offers that appear on this site are from companies from which The Points Guy UK receives compensation.

This compensation helps pay the costs associated with running our website, and does not result in any additional fees to you. Halifax does state, however, that you should ensure it has an up to date mobile number to contact you on in case it's worried about suspicious card use. The term "cash advance" is a catch-all for "cash-like" transactions. Our experts score travel credit cards to determine their value against similar products on the market.

You can read more about our scoring criteria on our credit card methodology page. Click here to cancel reply. Can you pay foreign utility bills with Halifax clarity card with an IBAN number and what are the charges involved. However, the utility provider may also charge you a fee for using your credit card. If given the option, you should also choose to pay the bill using the local currency, as this helps you avoid currency conversion fees.

I hope this helps, but please let me know if you have any other questions. Thanks for your question. The Halifax Clarity card is part of the Mastercard network, which means it can be used in more than 70 million locations worldwide, including Prague.

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Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. But many people don't realise that non-sterling cash advances won't benefit from the usual "up to 56 days" interest-free.

No fees on cash withdrawals and transactions overseas. Cash withdrawals overseas incur interest from the day the funds leave your account. No reviews yet. Write a review. Chris Lilly. Last Updated Sep 7, Minimum Age 18 Availability Available to new customers.

Review by Chris Lilly chris. More existing customer help. A credit card can be very handy. The trick is learning how it works so you can use it wisely. What are credit card interest rates? Tips for managing your card. Credit cards help and guidance. We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower. Halifax is a division of Bank of Scotland plc. Registered in Scotland No. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number Travel credit cards.

How a travel credit card is useful: No foreign transaction fees to worry about. Worldwide fee-free cash withdrawals some ATMs charge a usage fee. Interest will apply from the day cash is taken out.