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Simply load the card with money before you leave and use like a debit card.Some of these cards will impose charges for withdrawing money from a cash machine.Others might have monthly fees or an extra charge if you don’t use the card in a set period of time, for example a year.For this reason, it’s important you read the small print.Cards can be the cheapest way to pay for things and withdraw money from cash machines abroad, but only if you use the right one.Using your usual credit or debit card might result in expensive overseas fees, so you could save a lot by getting a special ‘travel-friendly’ credit, debit or prepaid card before you go.

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Once you know the charges on your current cards, you will have a better idea of what a good deal would look like.

You can then use the comparison sites mentioned above to find out what card will give you a better deal. Some providers will might have a low foreign usage charge, but charge a lot more for cash withdrawals or visa versa.

With the worst kind of card you might pay: That’s a total of £8 in fees, just for getting out a little cash.

If you did this three times whilst abroad the total cost could be £24.

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