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Get more with your Caxton card

The Caxton Currency card is the cheaper, smarter and safer way to spend abroad.

  • No overseas ATM fees
  • Global usage with great exchange rates
  • Easy to load your card
  • Check balances using our app

One card, multiple currencies

Fee-free spending, around the world

Your Caxton currency card is accepted in more than 35 million Mastercard locations around the world. And we don’t charge you any purchase or ATM fees when outside the UK, so whether you’re dinning at sunset or withdrawing money for that cab ride to the airport, you’ll have that little extra in your pocket to enjoy your holiday.

Manage your money on the go

Can’t remember how much you spent on that last meal? You can log in to your Caxton account with our mobile app wherever you are. Use it to instantly top up the funds on your card or track your spending. And if your card goes missing, block it at the touch of a button. The Caxton currency card puts you in control.


Keep your money safe and secure

With contactless technology, the Caxton card makes it simpler than ever to pay while you’re abroad. And there’s no need to worry, with Chip & PIN security on every card, your funds stay safe.



Apply for your card

Apply online then load a minimum of £10 to receive your free Caxton currency card in the mail in 3-5 days.

Activate your card

Activate your card online or using the Caxton app. Choose the currency of your choice and lock in a great exchange rate.

Spend fee-free

Spend fee-free in the currency of your choice wherever you see the Mastercard logo.

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What our customers think

One card, multiple currencies

You can load up to 15 different currencies on your Caxton Currency card. Whether you load before you go when the rates are good, or top up your card while you’re away, you’ll always get our great rates. If the currency you need isn’t included, you can just load pounds on your card, and we’ll convert from the local currency at the time that you spend. (Below rates based on a minimum load of £750)

  • EUR

    EUR 1.1493

  • USD

    USD 1.3018

  • AUD

    AUD 1.8218

  • CAD

    CAD 1.66

  • CHF

    CHF 1.1978

  • DKK

    DKK 8.5463

  • HKD

    HKD 10.1427

  • HUF

    HUF 416.6711

  • JPY

    JPY 147.1714

  • NOK

    NOK 11.7503

  • NZD

    NZD 1.9005

  • PLN

    PLN 5.305

  • SEK

    SEK 11.7568

  • ZAR

    ZAR 20.6083

Loading my card
How do I load money onto my card?
You can do an online load at or with the Caxton mobile app. Your first load must be made online for security reasons but after that you can load freely using the app. 

What currency can I load onto my card?
Choose from the following:
  • GBP GB Great British Pound
  • EUR Euro
  • USD US Dollar
  • AUD Australian Dollar
  • CAD Canadian Dollar
  • CHF Swiss Franc
  • NZD New Zealand Dollar
  • HKD Hong Kong Dollar
  • DKK Danish Krone
  • ZAR South African Rand
  • JPY Japanese Yen
  • SEK Swedish Krona
  • HUF Hungarian Forint
  • PLN Polish Zloty
  • NOK Norwegian Krone

Can I load more than one currency onto my Caxton card? How many can I load?

Yes, you can load up to 15 different currencies on your Caxton Card at the same time. See the previous question for currencies available.

How do I switch the balance on my Caxton card to a different currency?
You can do this using the switch balance feature in the app or by logging into your account through the website. Just select how much of an available balance you would like to switch into another currency, and which of our 15 currencies you want to change it to.

How do I add a new debit card to my account or update an expired debit card?
Login to your account through the website, go to 'My Debit Cards' and select "Add New Card". In ‘My Debit Cards’ you can also delete expired cards, and re add your updated cards. ‘My Debit Cards’ functions are not available through the app, once you have made your first load with your new debit card, it will appear in the app.

What if I’m going to a country where you don’t offer the currency? What rate will I get?
You should load GBP onto your card if you need to spend in a currency different from the 15 we offer. You’ll automatically get the standard Mastercard settlement rate minus 2.49%, at the time of your transaction. You do not need to do anything else, the conversion will take place when you make a transaction.

If you load any currency other than GBP (USD for example), your transactions will automatically be converted back into GBP before being converted again into the local currency, which is not as good value as one direct conversion from GBP.

Who can load money onto my Caxton card?
Your card must be loaded from a personal UK debit card in the primary cardholder's name and registered at their address. Additional cardholders cannot load the card.

I have just loaded money onto my Caxton card. How long does it take for the funds to be added to my available balance?
Once loaded, funds will normally be available within minutes.

How do I know what exchange rate I will get?
Our exchange rates are published on our website. You will also see the rate that you will receive when you load your card.
Spending with my Card

Where is my Caxton card accepted?
You can use your Caxton card anywhere Mastercard is accepted, including shops, restaurants, ATMs and online. We recommend visiting the Mastercard location tool (website) or downloading Mastercard’s ‘Nearby’ app to easily find ATMs and merchants that will accept the card.

Do you charge for ATM withdrawals when overseas?
Caxton 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 charging you, this is the ATM owner.

I’ve been presented with these options at an ATM: Credit, Savings or Cheque. Which should I choose?
If you are given these options at an ATM all 3 should work but if in doubt, please select credit. If this option doesn’t work, then please select another option. You may need to reinsert your card to try again.

What are the maximum number of ATM withdrawals I can make on my Caxton card?
You can make up to two withdrawals per 24 hours, and up to a total withdrawal amount of £300 per 24 hours.

What do I do if my Caxton card is not working?
Check if you are using the correct PIN. You can check what your Caxton card PIN is in the Caxton app or by logging into your account on the website.

Make sure you have sufficient funds loaded on your Caxton card. You can check your current balance in the Caxton app.
The ATM or POS machine may be faulty or unable to read your Caxton card. You can check this by testing a different card in the machine, or trying your Caxton card in a different ATM or POS machine.

If your Caxton card is still not working, please contact our support team, either via email, twitter @CaxtonSupport or on the phone, in the UK calling 0333 123 1812 or outside the UK on +44 (0) 207 201 0526 (Support available Monday - Friday 08:00 - 19:00, Saturday - Sunday 09:00 - 17:00 UK time)

Why have I been charged for an ATM withdrawal?
Some ATM’s will charge you a flat fee for use of their services. In some cases, the ATM can convert your money which will end up costing you money.

How do I avoid being charged for an ATM withdrawal?
Avoid any ATM which will charge you a withdrawal fee. Also ensure that when making ATM withdrawals that you decline any conversions offered to you by the ATM and always withdraw in the local currency.

How do I check my Caxton card balance?
The best way to check the balance on your card is by using the Caxton app, or you can log into your online account. Try to avoid checking at your balance at an ATM as you will be charged 30p.

What if I am offered the choice to pay in GBP or local currency?
If you are at an ATM or somewhere where the bill is presented in GBP rather than the local currency (ie. euros or dollars), always opt to pay in the local currency. Otherwise you’ll end up paying for multiple conversions, using the ATM or vendor’s rate, which will always be worse than Caxton’s.

The ATM or merchants tried to charge me in pounds, what should I do?
Many ATM’s (and merchants) will pick up that your card was issued in the UK. Once these machines realise that your card is a UK issued card it doesn’t recognise that you hold the local currency and will offer you a conversion. This is called Dynamic Currency Conversion.

In order to avoid this extra charge please always select to be billed in the local currency, for example if you are in the Eurozone always select to be billed in EUR.

What if I need to use the card for a refund?
Your Caxton card can only be used for a refund if you paid for the transaction on the card initially.