How does it work?

It's easy as!

1. Choose your Base Currency - this is usually your home currency.
2. Choose your Spend Currency - this is the currency you'll purchase in.
3. Enter the purchase amount - this is the amount to pay in the Spend Currency.
4. Check the conversion table for the best rate in your Base Currency - the lower the better!

Why use this?

Good question! Doing your research can always save you money. A lot of banks and institutions offer travel cards and other products touting their value for money. Features may be easy to compare, though the intrinsic cost may not. This tool aims to show ball-park conversion rates and value for money between cards.

Credit Cards

Benefits:

• Fraud protection - it's not directly your money at risk.
• Included insurances - travel and product insurances (always check the PDS and compare offers).
• No risk authorisation - use a credit card to place a bond for a hotel room without losing your money.

Debit Cards

Benefits:

• No cash advance - withdrawing cash at an ATM does not incur a cash advance fee (unlike a credit card).
• No credit requirement - nearly anyone can get one!

Travel Cards

Benefits:

• Backup card(s) - if it's lost, it's no worries. You'll probably have another as backup.
• Lock-in the exchange rate - if the foreign exchange rate is great, you can take advantage of it by pre-converting!