Cards for cash – Counter transactions and through machines

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Cards for cash – Counter transactions and through machines

Some Eurocheque Cards and all credit cards can be used to obtain local currency (cash) in most countries. As well as over-the-country transactions, some cards can also be used to operate cash dispenser machines in some countries.

Rate of exchange

What your pounds will buy abroad depends very much on the exchange rate at the time between the pound and the foreign currency of the country where you are on holiday. You can find details of the current exchange rate from newspapers, travel agents or banks before you set off, but remember by the time you arrive at your destination the rate could have changed.

Changing your money

You can find money-changing facilities in places such as: Ports, Airports, Banks, Bureaux de Change, Hotels, Camp sites, Department stores.

Getting the best rate of exchange

Whenever money is changed from one currency to another, the organization providing the services charges a fee (this should be a small percentage of the sum being changed.)

This fee is deducted from the amount of foreign currency each of your pounds would buy at the official exchange rate.

So the higher the exchange rate you are offered abroad, the more foreign currency your pound buys.

Not every organization makes the same charge for this service. Some charge commission rates are lower than others. So it is worth shopping around for the best rate you can find.

Travel insurance

Banks provide many types of insurance cover, such as:

· cancellation of holiday and delays

· theft or loss of personal property and cash

· accident

· sudden illness

·car breakdown

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Many customers see cash dispensers as a welcome alternative to making withdrawals at the counter. Here is an extract from a brochure which Barclays Bank gives its current account holders to explain how their machines work.

Barclays cash dispensers

Quick and easy access to your account

Barclays cash dispensers form part of a network of over 5,200 machines in the UK, enabling you to withdraw cash from any cash dispensers belonging to Barclays Bank, Lloyds Bank, The Royal Bank of Scotland and the Bank of Scotland. Use of the Barclaybank network is free and our cash dispensers are operational night and day. So you can use them at any time you want.

And we are continuing to expand this network by installing cash dispensers in places which are most convenient for you; for example, supermarkets, motorway, service stations, hotels, hospitals, company premises and airports.

Both our Barclays Connect and Barclaybank cards enable to access your current account through the cash dispensers. If you would like to apply for a card, simply complete the attached application form and take or post it to your branch. Once your application is approved you should receive your card within 14 days.

Having successfully applied for a card, you will be given your own Personal Identification Number (PIN) , known only to you and the Bank’s central computing system. This number is used in conjunction with the card to obtain access to your current account or Barclaycard account.

No one can access your account, as your PIN is known only to you, Your PIN is exclusively for your own use and must never be disclosed to anyone else.

How does the cash dispenser work?

We’ve made sure that all Barclays cash dispensers are quick and easy to use. So simple that it rarely takes more than a minute to complete your transaction. Once you’ve put your card in, the machine gives you step-by-step instructions on how to use it. The machine then returns your card, ready to use again whenever you need it.

If you are not quite sure how to operate the machine, just call into your local branch, where they will be pleased to explain how it works.

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