Ask Caxton FX

                                                                                                                                        Update from Caxton:
Please see our information on Dynamic Currency Conversion (DCC) to avoid extra charges while aboard!

  • 8 results found
  • When will my card arrive?

    Once a successful card load has been made we say to allow 3 - 5 days for the card to arrive, however the cards are sent via first class mail and usually arrive before then.

  • Where does my money go when it is refunded from my card?

    Your money will be refunded back into your UK bank account that is registered with your account. This will be the same account that you used to load your card.

  • What fees are there when you load the card?

    Caxton does not charge you to load or reload the card, irrespective of the amount loaded.

  • What fees are there when you buy something on the card abroad?

    There are no fees for using your card to purchase something overseas. However, if the payment is processed in the UK, the £1.50 domestic fee will be applied - see our list of full charges here: We would always advise to check how the merchant may bill you for an online transaction to avoid this potential charge.

  • What happens when a Caxton FX Business card expires?

    All cards will be valid for 2 years. When they expire we will issue you with a replacement card only if you let us know one is required. You will be contacted by email at your registered email address one month before expiry and you will be required to re-confirm the details of the cardholder.

  • What fees are there when you visit an ATM abroad?

    Caxton FX 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 FX 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.

  • Should cardholders be paying in sterling or local currency when given the choice abroad?

    Always choose to pay in the local currency to avoid Dynamic Currency Conversion (DCC). If the merchant carries out the transaction in sterling they will have used their own exchange rate and this could be unfavourable. Your cardholders should check the payment terminal, and if the amount is shown in sterling, they should ask to have it changed.

  • When given the choice between paying in Sterling and the local currency, what should I choose?

    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), ask to pay in the local currency, not sterling. This is a process called Dynamic Currency Conversion, or DCC. The merchant invites you to pay in sterling and then performs the exchange at a rate that could be unfavourable, which may cost you money. Remember to check the payment terminal if the amount is shown in sterling, ask that it is changed.

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