Caxton FX reviews

Caxton FX are rated Great in 286 reviews

Caxton FX was founded in 2002 and is a leading provider of prepaid currency cards. Their low fees and good exchange rates make their cards some of the best on the market.

Last reviewed 2 weeks ago

76% of reviews are positive

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Excellent 197 reviews are rated 5 stars 69%
Great 20 reviews are rated 4 stars 7%
Average 10 reviews are rated 3 stars 3%
Poor 10 reviews are rated 2 stars 3%
Bad 49 reviews are rated 1 star 17%

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Colin Forrestal

5 Stars
5 Stars

20 March 2023

I have used this card all around Europe and China without a problem. You do have to watch in Europe which ATM you use as most charge (varies) if you are not their customer. I find that near tourist areas and Tourist Information spots are best for finding ATM'S that don't charge. I have had a few declines for using it as a debit card, usually its down to a problem with the machine.

I have found the rates better than currency bureau's and not far off my UK and Spanish bank rates. I normally load Euros and keep it as an emergency funder, when in Spain or the UK, and use it all the time when not in these countries. It is easy to lad currency with the app or online.The card does what they say it would and I am very happy with it.


Ian Richardson

4 Stars
4 Stars

13 March 2023

I'm partly writing this because I have just read a string of one-star reviews and wondered what has been going wrong for all these poor people. For me Caxton has been good. I was recommended Caxton by a friend and decided to go with her recommendation, rather than being put off by the sorry collection of online reviews. I was tentative about how this would work, particularly as I was going to Nepal where it is impossible to preload the Nepalese rupee. In fact, the black Caxton card turned out to be really useful and a blessed relief from carrying a large amount of cash. I pre-loaded Sterling.

The good stuff was:

I was able to draw out cash in the local currency at a good exchange rate from the Nabil Bank ATMs.

I was able to use the card just like an ordinary debit card in several restaurants and shops in Pokhara and Kathmandhu.

The not-so-good?

The ATMs that accepted Mastercard transactions were relatively few, even in Kathmandhu, so I had to hike across town a bit.

A couple of ATMs that claimed to accept Mastercard, spat it out without giving me any money (and no explanation as to why).

The reliable Nabil Bank ATMs still charged me 500 Rupees a go (about £3). Bearable and not Caxton's fault.

So, overall, I'm happy with the card and am about to put it through its paces in the Netherlands. We'll see if it continues to work well for me.


Antonio Retamal

1 Stars
1 Stars

8 March 2023

Card not fit for purpose. I could not pay with it in retailers in New York. I manage to use ATM, but not paying to retailers. Failure.


Al Carter

4 Stars
4 Stars

18 February 2023

No problems using this card in Sicily and France, loaded with Euros before we set off.

The only issue is the fairly poor exchange rate.

That said, it's safer than carrying cash and you don't have a large bill waiting when you get home.



1 Stars
1 Stars

14 February 2023

Just avoid, charges everywhere and don’t forget to cancel as they have dormancy costs. I don’t believe these are legal charges. I only got stung for a couple of quid but avoid!


Jim Lafferty

1 Stars
1 Stars

12 January 2023

Bought Euros

12 January 2023

Tried every combination to use this card in Madeira. None of them worked. Just as well I wasn’t relying on it to get me through my holiday. Will be having a ceremonial cutting of the card when I get home. Just a rubbish card.



1 Stars
1 Stars

27 December 2022

Got this card for going to USA. 3 different parts including a cruise. Card declined many times due to chip and pin in USA. Had to take cash out of ATM, but limited amount per day!! Thankfully had a credit card, but due to international bank issues, it was blocked after 3 attempts! I loaded caxton card a few times, but took 24 hrs to show. When I contacted caxton by email, was told the international team don't work at night! Had to ask a family member to send money via bank transfer. Caxton is NOT a bank!!


Christian Horsfield

2 Stars
2 Stars

7 August 2022

I have used this card for over 10 years, but on the most recent visit to the USA the card was declined for almost every meal we ate out. Customer srvosais this was because the cashier needed to use chip and pin and not swipe, but most US restaurants are not set up this way and we ended up having to use our credit card- with our preloaded Caxton card sat with Monet we couldn’t access without paying a withdrawal fee. Most (but not all) small purchases were OK. Overall, an utter waste of time/money- will not bother in the future.



1 Stars
1 Stars

4 August 2022

Unacceptable delays in answering the phone. Unobtainable account details online.

I think that this firm is failing.



1 Stars
1 Stars

10 July 2022


My partner and I are currently travelling and our Caxton card has stopped working, despite having a substantial amount of money loaded. When calling the customer service line (Sat 9th July), we were told they won't do anything until Mon 11th July. We are left with no money for food or transport and are stranded without accommodation as we can't use our card to pay for travel to our next Airbnb. We explained this over the phone and Caxton DO NOT Care that we have no food for 3 DAYS. AVOID AVOID AVOID!!!

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