Compare Holiday Money Logo

Caxton FX reviews

Good 3.3 / 5

Based on 62 reviews Write Review

Mel

14th August 2018

Complete waste of time. Got a Caxton Visa card and loaded it with Euro's, only to find every time I took money out of an ATM I was charged, and in some cases, the money was converted to sterling then back to Euro's, thus paying again for the conversion when the card was already loaded with Euro's! Also, despite informing restaurants etc that the card was pre-paid with Euro's, sterling was charged and yet again, I had to pay for a conversionfromEuro's to sterling then back to Euro's. App difficult to understand as balances displayed Euro's and negative sterling. Very disappointed. Would not recommend and will be taking a Post Office card next time and more cash.

  • I ordered £400 worth of Euros
  • I would not recommend Caxton FX to others

Patrick

14th August 2018

I have used the Caxton card for about three years and bought euros for regular travel in the euro zone and despite an occasional atm issue I though it a good product...until lately when the app no longer is reliable to try and load....and the exchange rate is increasingly poor. Key point is that if the app is failing this could indicate weak IT infrastructure which in turn could indicate vulnerabilities to hacks or a collapse of the platform if they are penny pinching upkeep costs...any fail of IT could take your money with it....and as other reviews point out there is no deposit protection for this card company stay away....looking for new currency card .

  • I ordered £2000 worth of Euros
  • My currency arrived on time
  • I received the notes I requested
  • I would not recommend Caxton FX to others

Quinton

13th August 2018

I’ve had a card for a number of years and it was great but since they changed the App , which I was not notified about , I find it extremely difficult to use and like other customers, they loaded euros instead of sterling. As far as I was concerned it was always just a sterling card and now I darent load it anymore in case it goes to euros . I’m looking for a better company now

  • I ordered a prepaid multi-currency card
  • Reloading the card was not easy
  • The card was accepted everywhere that I used it
  • I would not recommend Caxton FX to others

Ian McNeill

6th August 2018

I have had this card for over 5 years and was pleased with it. It has simply got worse. In terms of cash withdrawals and the apps functionality. I’m now actively looking for an alternative. So if you are simply using as a ‘credit card’ for transactions it’s mainly ok. Although you must remember it doesn’t provide credit card style protection for major purchases etc. Both my partner and I have found whether in Greece, Austria or Sweden (all trips in last 12 months) cash machines end up charging - not for the use of the machine but for conversion even though you have loaded as euros or krona. Something your encouraged to do by Caxton to secure a good rate. It seems that the answer here is to just leave your cash in pounds and take the hit once? Or simply change provider. I do think it’s just the banks trying to earn money from us. As for customer service they don’t really want to help. They are nice and professional in tone but don’t actually see or treat you as a real customer. So very disappointing as this was a good product. All the issues seem to have come since they moved away from Visa and to MasterCard. As I say actively looking for a better option. Sign up with your eyes wide open and restrict use to meals, drinks and lower cost purchase that don’t require purchase protection. Additionally they make a big play about the app. It’s very basic and the transaction log is really really poor and you can’t even read it when it does show up as they will be over typing etc.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was not accepted everywhere that I wanted to use it
  • I would not recommend Caxton FX to others

J goodhind

27th July 2018

Currently in Rhodes with my Caxton card which I loaded up with my holiday money, the card works great for purchases but the chances of finding an ATM that will give you cash without first converting your euros back to pounds then giving you euros is next to impossible. I thought I would just stroll up and get my euros hassle free!! Last night 250 euros out of the cash point cost me 288 euros to clear my card today. Biggest mistake ever getting this card. Do not waste your time or money.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was not accepted everywhere that I wanted to use it
  • I would not recommend Caxton FX to others

COLIN HOGG

2nd July 2018

Complete Rubbish. I have just been looking at the reviews and I found out that I had put a comment 3 years ago. Caxton are still the same but the comments of pressing the wrong button on a ATM machine are very expensive £20 Per £100. I bought a Euro card not a Dual Currency one.But of Caxton deny this as they do not do Euro card

  • I ordered £800 worth of Euros
  • My order was delivered on time
  • I did not receive the notes I requested
  • I would not recommend Caxton FX to others

Chris M.

12th June 2018

Just back from a holiday that took in Singapore, Thailand and Dubai and used the Caxton card extensively (ATM withdrawals, purchases in shops, paying for dinners etc) with no issues what so ever. The card was pre loaded with GBP. Would recommend to other travellers.

Peter

8th May 2018

I have ben using Caxton card for years and was initially impressed with exchange rates and convenience. When it all works its great. Recently I have found two things. The exchange rates don't seem as competitive as they used to be. If you inadvertently overspend on one currency, but have others available to switch funds, it won't let you via the app (which is waht you tend to use when travelling), and they switch themselves, recently causing a GBP overspend when I had lots available in other currencies. I agree with other comments about the app being slow to catch up with transactions, and also needing a 24 hour helpline to cover people travelling in distant time zones.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

D Christie

4th May 2018

Although the Caxton FX card is easy to load and generally accepted by vendors they can end up being costing a lot more than one thinks. In Europe, and especially in Spain, card machines provide an option to pay in euro or GBP when these cards are used. It can happen if one is rushed or if the vendor sneakily hits the GBP button and then presents the machine to the customer for the PIN that one pays in GBP in error. This will result in a charge for the average transaction that can increase the cost by some 10% on the original invoice amount. Also never use a pre-paid card for a deposit as it can take up to 60 days to receive a refund.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was not accepted everywhere that I wanted to use it
  • I would not recommend Caxton FX to others

Don

4th May 2018

No problems at all using this card to get cash out in ATMs in Taiwan. I have used Caxton for 5 years now around the World and has never been a problem. Easy to load funds on their website

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Ragesh

4th May 2018

After using a competitor card for a number of years and increasingly being let down on service, I decided to try the Caxton Card. Opening the account was easy, as was transferring funds onto it and topping up when necessary. The card was quick to be delivered and the service was complimentary to the friendly and efficient brand the company has. A smooth and easy interaction when speaking with their customer service team and above all I put the phone down feeling assured all was well and in good hands. The card worked well overseas with no issues. I used it to both pay for things within a restaurant or shop and to take out cash. Will be moving from the Euro card to the multi-currency card now purely as a result of the experience so far. Would recommend.

  • I ordered a prepaid Euro card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Dwaine Roberts

24th April 2018

Skeptical about using one of these cards whilst on my trip through the South of France, however I was incredibly surprised by the ease and efficiency. It is easy to load, accepted everywhere I tried to use it and offers a rate I understand and a good rate at that. Will continue to use and recommends others to do the same and avoid terribly high credit card fees.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Suzanne

22nd April 2018

Just come back from holiday and card worked great. Used other brands before and these guys were by far the best. Thnks

  • I ordered a prepaid Euro card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

COLIN HOGG

20th April 2018

Very poor service. I applied for a Euro currency card on 2018 and because I had applied for one on 2015 I was still on their system even though I did not register it. They then opened the old account with all my old details, ie email address, etc, so I can not access my account to change my details as I can not use my old email address I opened the account with £500 and then had to spend over 2 hours.with 7 telephone calls. But when I asked to close the account I was told I would only get £465 back as the euros would have to be changed back to sterling. Do not touch them with a Barge pole!

  • I ordered a prepaid Euro card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would not recommend Caxton FX to others

Ryan Pinesnip

17th April 2018

I've just come back from travelling Asia with my friends, been away for 9 months and used Caxton the whole time. Had one issue with the card which I called up and spoke to someone about and was sorted instantly. Topped up on the app as well as loaded before I went. My parents sent me cash to the card too - thanks Mum. Perfect for exploring the world and I'll be using again when I go to the states later this year.!

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

TBL

16th April 2018

If I could put a minus star I would. I’m currently travelling for four months and I’m a young girl. Caxton worked well for me for 2 months but then it was declined at all th ATM’s and stopped working despite me adding enough money onto it. I called up Caxton from India and they said there was no short term solution, as I have another 2 months to go travelling and won’t be back in the UK for a while. Fortunately I am with friends who will kindly help me out and I luckily brought a spare card with me but it does charge me extra fees. If I had just my Caxton I would currently be broke in the middle of India with no other option. Very very poor I would not recommend this to anyone.

  • I ordered a prepaid multi-currency card
  • Reloading the card was not easy
  • The card was not accepted everywhere that I wanted to use it
  • I would not recommend Caxton FX to others

Allison Jayne

15th April 2018

Just come back from a holiday to the states and we used Caxton for the very first time. It was just like using a normal bank card, well that's exactly what it is I guess. We loaded cash before and then topped up on the app - Disney world has too many souvenirs!! Came across the company after a recommendation from a friend and I would certainly recommend them too.

  • I ordered a prepaid US Dollar card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Kevin Pope

10th April 2018

I have a mixed view of the pre paid currency MasterCard. Initially I was very pleased with it and thought the advantage of being able to load currency whenever there was a beneficial rate was superb. I t still is but there are a number a issues I have now encountered which means I will never use this card again. 1. Although it is a MasterCard, it is not covered by the normal MasterCard guarantees and insurance in the event of fraud. 2. I had one transaction in a US restaurant where there was a pending charge for a meal we never had. Caxton will not stop the transaction. You have to wait to see if it is cleared and only then lodge a claim on a Dispute Form. 3. The card details were misappropriated in Tasmania this year and in the space of a 3 hours AusD2,200 was taken by several users in Holland, the UK and Belgium. This could have been largely avoided if their mobile App was up to date. I have since discovered from them that they have an issue with the App having a significant time lag to real time, more than a few hours. If it had been in current time I could have stopped most of the transactions. 4. Their help line only operates on normal working time in the UK. But, this is a travel card. In Australia, 11 hours ahead of the UK, I had to wait 10pm local time before I could contact anybody. How can a travel card not have a 24 hour support line? 5. For every fraudulent transaction I had to complete a separate dispute form. I did,though, eventually get nearly all of the money back. 6. Probably my fault for not reading the small print but when these fraudulent transactions were going through I assumed they could only be transacted in the currencies available. Wrong. When all of one currency has been spent their system automatically converts other currency on your card, at their exchange rate, to meet the required amount in whatever currency is being used. Hence I found that all of my Australian Dollars, Euros and US Dollars were stripped out. Finally, one tip, and thi

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was not accepted everywhere that I wanted to use it
  • I would not recommend Caxton FX to others

David John Davies

14th March 2018

I gave this company a very bad review recently and although it took a threat of contacting the Financial Ombudsman and leaving poor reviews on this site and Trustpilot, I have been subsequently promised a refund . They still feel they are within their rights to withhold all of my monies because they ‘Say’ they e mailed all customers with a balance on their Caxton Visa , telling them that they no longer deal with VISA and now use MASTERCARD . They say that the e mail did point out that the monies had to either be transferred to MasterCard , OR, be put back into my account within 60 days, or it would be lost in admin fees. I never received such an e mail and have yet to see the ‘Actual’ e mail , which they have failed to provide me with. ( which is a little irritating ) , however they have since my threats of Ombudsman action, acted swiftly in offering a refund . Just be careful if using this kind of facility and read the small print and ALL e mails from them , as failure to do so can be costly .

  • I ordered £1000 worth of US Dollars
  • My order was delivered on time
  • I received the notes I requested
  • I would not recommend Caxton FX to others

Taylor Heire

8th March 2018

I recommend trying it! I was a little apprehensive over using this card as I had heard mixed reviews about currency cards caxton offer. However I received the card within a week of ordering and I was able to activate it immediately. I emailed a whole list of questions before topping up and going away and they got back to me very quickly and reassured me with everything (within 2-3 days). I took this card out to New Zealand and it was so easy to use, just like having my debit card with me. Never had to worry and the exchange rate is up to date at the time of purchasing things so you will always get the best rate. Able to top up as I went along from my bank account on the mobile app and the whole process was so easy. Couldnt recommend highly enough!

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

David John Davies

6th March 2018

Do not use this company . Do not use this company !! I have a Caxton Visa Currency Card which I loaded with Dollars prior to a trip to Disney World. $179 still on it when I returned and I left it so that it could be used ‘Next Time’. Contacted Caxton today to be told they do not use VISA anymore and I’ve lost ALL of my money because they have charged me ALL of it in admin charges ! Basically they have stolen all of MY money ! If anyone out there can help me get my money back from them, please let me know . In the meantime I am contacting the Financial Ombudsman and Martin Lewis . WHAT KIND OF A COMPANY DOES THIS TO THEIR CUSTOMERS? - Avoid at all times !

  • I ordered a prepaid US Dollar card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would not recommend Caxton FX to others

Mr & Mrs Swynford

28th February 2018

Avoided paying extortionate fees on my credit card abroad. Used it on our Honeymoon as we travelled to a couple of countries. Would certainly recommend as it took the stress out of travelling and allowed us to enjoy the experience even more. Thanks Caxton.

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Levi

24th February 2018

The people at Caxton are very friendly and helpful. I have recently contacted them about sending funds overseas and they were well informed, reliable, efficient and I will certainly be using them again.

  • I transferred British Pounds to Hong Kong
  • I received the rate I was quoted
  • The transfer was completed within three working days
  • I would recommend Caxton FX to others

Sophie Carter

18th February 2018

Excellent for budgeting! - I used this card while traveling for months with a group of friends, as the only one that used a currency card and the only one that had money left at the end of the trip.. I thank Caxton! Being able to log in whenever you like to check your balance was perfect. I didn't lose money exchanging at different airports, as we travelled through different countries. Plus it is a lot safer to carry this card than to carry months worth of cash in a backpack! I was also able to top it up from my bank account when needed. Would only ever use this card for future travels!

  • I ordered a prepaid multi-currency card
  • Reloading the card was easy
  • The card was accepted everywhere that I used it
  • I would recommend Caxton FX to others

Ali de

16th February 2018

Have had a Caxton card for a number of years and have never had an issue but this week have had a major problem. Unable to load money onto it due to an I.T. Issue. Their customer service have been extremely unhelpful and now I can't log on to my account online or use the mobile app. Extremely unhelpful when the money is needed abroad. Really cross!

  • I ordered a prepaid multi-currency card
  • Reloading the card was not easy
  • The card was accepted everywhere that I used it
  • I would not recommend Caxton FX to others
Load More Reviews

Write a review of Caxton FX

Your name

Your rating

Choose a rating Click or tap to rate
1 Star 2 Stars 3 Stars 4 Stars 5 Stars

Your review

Optional questions

  • Please tell us which product or service you are reviewing:
  • How much travel money did you purchase?
    worth of
  • Was your package delivered on time?Yes No
  • Did you receive the notes you requested?Yes No
  • Would you recommend Caxton FX to others?Yes No
  • How much currency did you sell?
  • Did you receive the amount you were quoted?Yes No
  • Did you get paid within three working days?Yes No
  • Would you recommend Caxton FX to others?Yes No
  • What currency did you transfer?
    to
  • Did you receive the rate you were quoted?Yes No
  • Was the transfer completed within three working days?Yes No
  • Would you recommend Caxton FX to others?Yes No
  • What type of prepaid card did you order?
  • Was it easy to load funds onto the card?Yes No
  • Was the card accepted everywhere you used it?Yes No
  • Would you recommend Caxton FX to others?Yes No
  • What kind of policy did you purchase?
    policy for
  • Did the policy cover everything you needed?Yes No
  • If you made a claim, was it simple and straightforward?Yes No
  • Would you recommend Caxton FX to others?Yes No

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.

Visit Website

Asda Travel Money Rates Compared

Posted by Graham Morley on 7th August 2018

Asda, like all the major supermarkets will sell you travel money with your baked beans and fish fingers. So how do Asda travel money rates compare to other brands? We know them and trust them and it’s f... read more

Self-catered holiday vs Hotel

Posted by Sam Stone on 6th August 2018

A hotel based inclusive deal can make as much financial sense as a self-catered holiday. So how can you choose between them? For some travellers, there is an obvious choice. Total immersion in hotel life... read more

Is It Worth It To Hire A Car On Your Trips?

This thought probably comes across your mind a lot… “Should I hire a car or should I go with public transport?” Someone who’s got a small budget like me probably would not even... read more

The Falmouth Falcons Quidditch Update: Summer 2018

With the 2017-18 QuidditchUK season coming to a close, all in all it’s been a good year for the Falmouth Falcons, Cornwall’s finest quidditch team. Early success in October at the Highlander Cup in Edi... read more

Thomas Cook Travel Money Rates Compared

Thomas Cook, Thomson and First Choice like all travel agents and holiday companies have a captive market when it comes to selling currency. You know them and trust them, you get a great deal on your holiday... read more

Join our monthly newsletter

Latest exchange rates • Special offers & holiday extras • Click here for more details

© 2018 Viridian Media Limited, International House, 142 Cromwell Road, Kensington, London, SW7 4EF | Company Registration Number: 10021682

Viridian Media Limited is an appointed representative of Financial Compliance Limited which is authorised and regulated by the Financial Conduct Authority.