Caxton FX does not charge a fee for overseas ATM withdrawals. The vast majority of UK debit, credit card and prepaid card issuers do charge fees 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, this is the ATM owner.

Almost every ATM 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. We point this out in section 12 of the T&C’s, “When you use your Prepaid Card at an ATM, you may also be subject to applicable fees, surcharge rules and regulations of the relevant ATM, or other financial institution or association.” 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.

No. However, you can view your current balance and transactions online free of charge on the www.caxtonfxcard.com website.

Simply click on the 'apply now' button, and complete the application form - it will only take a couple of minutes. You will need a valid passport and a valid UK issued debit card in order to complete the application. We will attempt to identify you via electronic database checks, however you may be required to provide further proof of identity. The requested documents can either be faxed to us on 0845 052 9353, or emailed to helpdesk@caxtonfxcard.com or posted to Caxton FX, 4-5 Grosvenor Place, London SW1X 7HJ.

You may apply for an additional card for any family member as long as they are 13 years of age or over. When completing your application, simply click on the "add additional cardholder" section of the form and complete their details. There is a fee of £5 €7.50 or $10 for each additional card.

Yes you can apply for all three cards on the same application form.

Once your application has been processed a currency card will be sent to you within 7 days

You will need to load and activate your card when you receive it. Please login to your account to do this.

You will receive your PIN two to three days after you have received your card. We never issue your PIN number with your card. However, don’t forget that you select your own PIN as part of the application process which means you can set it to something memorable to you.

You will receive your PIN two to three days after you have received your card. We never issue your PIN with your card. However, don’t forget that you select your own PIN as part of the application process which means you can set it to something memorable to you.

It is only possible to change a PIN at an ATM in the UK. Because your card holds a euro / US dollar balance, The ATM may display a message saying “You may be charged for this transaction do you wish to proceed?” you must select “Yes” in order to proceed and change your PIN. You will not be charged for changing your PIN.

You must sign your card as soon as it is received. To activate it simply click on the ‘cardholder’ link and follow the instructions to activate/load your currency card. Please note your card will only be activated when you load your card for the first time. Your £10 security deposit will be credited to your balance at this stage.

You should treat your currency card like cash in a wallet. If it is lost or stolen, you may lose some or all of the money on your card. As a result, you must keep your Caxton card safe and not let anyone else use it. If you are issued with a PIN, you must immediately memorise it and destroy the notification. You must keep your PIN secret at all times. Do not write it down or reveal it to anyone. We recommend that you check the balance on your card regularly online. If you do lose your card or it is 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 0845 222 2639 or from outside the U.K +44 (0) 207 201 0526. We will then cancel 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.

This could be for a number of reasons. 1. Your card is damaged, 2. You have no balance left on your Caxton currency card and need to load some more funds 3. We have blocked the card for security purposes or on your instructions 4. The card has expired; please check the expiry date on the card itself.

Simply go the website http://www.caxtonfxcard.com and login to your account and follow the instructions on screen. Please note your card will only be activated when you load your card for the first time.

Yes, you can reload your card free of charge by logging into the cardholder area of the website. Alternatively you can do it by telephone. Just call us on 0845 222 2639. You can also load your currency card via SMS - please click here for further instructions on how to do this.

Your Caxton currency card must be loaded from a UK debit card in your name. It is not possible to load it from any other account. The maximum load on your Caxton currency card is €7,500 / $10,000. Your card cannot be loaded more than twice in any one day. We reserve the right to refuse to accept any particular loading transaction.

Once loaded, funds will normally be available for use within two hours.

This could be for a number of reasons. 1. Your card is damaged, 2. You have no balance left on your Caxton currency card and need to load some more funds 3. We have blocked the card for security purposes or on your instructions 4. The card has expired; please check the expiry date on the card itself.

Your Caxton Currency Card is not a credit or charge card but it works like a debit card. It is a prepaid MasterCard card that carries a variable amount of money dependent on how much has been loaded on to it. Each time you use the card, the purchase amount is deducted from the available balance.

If you are at an ATM or somewhere where the bill is presented in pounds, not the local currency (i.e. euros or dollars), ask to pay in the local currency, not sterling. This is a new process called Dynamic Currency Conversion, or DCC. The merchant or retailer invites you to pay in sterling and then performs the exchange at an unfavourable rate which costs you money. Remember to check the payment terminal, if the amount is shown in sterling, ask that it is changed.

You should only use a Caxton FX Euro card to pay for Ryanair flights quoted in Euros. For Ryanair flights quoted in Sterling, the best card to use is the Caxton FX Global Traveller Card. If you book a flight with Ryanair quoted in Sterling and you pay with a Caxton FX Global Traveller Card, you will incur a flat fee of £1.50 per transaction. This means that a family of four booking return flights originating in the UK would pay £1.50 only. This charge is levied by Caxton FX not Ryanair.
If you use any other Sterling denominated card, which is not a pre-paid MasterCard card (Visa Electron users will start being charged from the 1st January 2010), Ryanair will charge you £5 per person, per leg. So for example, it will cost the family of four £40 (4 x £5 outbound and 4 x £5 inbound).

Your country of residence has no bearing on charges whatsoever.
To avoid Ryanair administration fees only two things matter:
• The currency of the card used to pay for the flight must match the currency
quoted on the Ryanair website.
• It must be a pre-paid MasterCard®

Each retail store has its own return policies and will handle the returns in the same manner as any other MasterCard transaction. They may credit your Caxton currency card, provide a cash refund or store credit.

You can use the Caxton currency card wherever there is a MasterCard Acceptance Mark, including shops, restaurants, online or on the telephone.

Yes, your Caxton card will work in the UK but they are designed to be used in their denominated currency. So, to get best value use the euro card in the euro zone and the U.S dollar card in the United States or wherever the US dollar is the official currency ie Ecuador. Using them outside the denominated currency would involve an extra foreign exchange. This exchange rate would be determined by MasterCard rather than Caxton FX.

Do not use your Caxton card for any security deposits when you check into a hotel or hire a car. Secure these with any other card and only use your Caxton FX card to settle the bill. This is because of something called ‘shadowed funds’. When any card is swiped for security you might not know that a ‘shadow’ is put on the funds on that card. Unlike a credit card your Caxton FX card holds a prepaid balance and the shadow will stop you from spending your travel cash. A shadow can last for up to 30 days. Use any other card for the security swipe and your Caxton FX card when the payment transaction is required. The funds will still be pre-authorised on the other cards. If you have any questions, do not hesitate to call us.

No. However, you can view your current balance and transactions online free of charge on the www.caxtonfxcard.com website.

No. However, you can view your current balance and transactions online free of charge on the www.caxtonfxcard.com website.

Provided that your Caxton card is valid and you have at least €10.00 / $15.00 on it, we will refund the unused value any time you like. To do so, simply call us on 0845 222 2639 or send us an e-mail using the "contact us" facility on the website. Please note that when we process your refund, we will charge a Refund Fee (see Fees section). We are only able to refund money back to the debit card that was used to load the currency card. The refund will take place 5 days from the most recent transaction date. An easier option might be to withdraw the money from a UK ATM, however this would be subject to a withdrawal fee (see Fees section) and a 2.5% cross border fee.

You will not earn any interest on any funds loaded on your currency card.

If your address, phone number or e-mail address change, you must let us know as soon as possible, by logging into your online account and updating the necessary sections. If we contact you in relation to your currency card, for example, to notify you that we have cancelled your card or to send you a refund, we will use the most recent contact details you have provided to us. Any e-mail to you will be treated as being received as soon as it is sent by us. We will not be liable to you if your contact details have changed and you have not updated your online account.

You have a legal right to cancel your currency card 14 days after you receive it. Under these terms and conditions, you also have the right to cancel your currency card at any time after this 14 day period. If your currency 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 transactions authorised, pending or any fees for use of the card before it is cancelled or expires. You can cancel your currency card by sending an email to us using the "contact us" function on the website or by calling us on 0845 222 2639.

You can have your card status changed to ‘deposit only’. This will mean that you will be able to load your card at anytime, but no purchases can be made. Before you go traveling again we will then just re-open the card and its ready for use. To have this done, simply give us a call.

Your currency card will be valid for 2 years. As you may have experienced with other bank or credit cards, we will send you a replacement before your current card expires. When you receive your replacement card, contact us and we will activate it and transfer any outstanding balance from your old card. However, we will not issue a new card if you tell us in writing at least 28 days before the date your currency card expires that you do not want to receive a replacement.

This could be for a number of reasons. 1. Your card is damaged, 2. You have no balance left on your Caxton currency card and need to load some more funds 3. We have blocked the card for security purposes or on your instructions 4. The card has expired; please check the expiry date on the card itself.

We have tried to limit our fees as much as possible to ensure that we can provide the very best value for money for our clients. There are NO monthly fees and NO transaction fees when you use your card in shops and restaurants. Unfortunately there are some fees that are unavoidable. Please see the section of our website for a full list of fees. In order to help you get the very best from your Caxton FX card check the know before you go page.