Buying New 3DS XL from amazon.fr, pay with GBP or EUR? - HotUKDeals
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Buying New 3DS XL from amazon.fr, pay with GBP or EUR?

chivs688 Avatar
1y, 9m agoPosted 1 year, 9 months ago
So it's currently cheaper to buy the New 3DS XL from Amazon France, and when I go to complete the order, it offer's me to pay in either GBP or EUR.

It says either EUR 190.97, or GBP 150.05.

But on all currency converters online, 190 euros equates to about £140, not £150.

So should I choose to pay in euros? Or am I missing something? Will my bank charge me for doing it in euros? (Santander 123 account if it makes a difference)

Any help much appreciated, thanks.
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chivs688 Avatar
1y, 9m agoPosted 1 year, 9 months ago
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Responses/page:
#1
I think Santander charges 2.99% of the purchase price plus a standard fee of around £1.50. If this is indeed the case. you would only be saving a few pounds by paying in Euros.
#2
thegazman
I think Santander charges 2.99% of the purchase price plus a standard fee of around £1.50. If this is indeed the case. you would only be saving a few pounds by paying in Euros.

I see, thanks.

So is there any possible disadvantage to paying in euros instead of pounds? I mean, it's only a few quid, but if there's nothing else to it then why not right?
#3
As a general rule, paying for foreign currency transactions in that currency, with exchange taking place at your card provider's rates, does typically work out cheaper than allowing the merchant to do the exchange - this situation just seems to be in line with that.

Bear in mind that you'll probably not get quite as good a rate from your card provider as the raw exchange rate, and/or there will be a small transaction fee - but it's still usually the cheaper option.
#4
chivs688
thegazman
I think Santander charges 2.99% of the purchase price plus a standard fee of around £1.50. If this is indeed the case. you would only be saving a few pounds by paying in Euros.
I see, thanks.
So is there any possible disadvantage to paying in euros instead of pounds? I mean, it's only a few quid, but if there's nothing else to it then why not right?
Not that I can see. You'll frequently find personal finance publications encouraging holidaymakers to pay in local currency for exactly this reason.
#5
Illusionary
chivs688
thegazman
I think Santander charges 2.99% of the purchase price plus a standard fee of around £1.50. If this is indeed the case. you would only be saving a few pounds by paying in Euros.
I see, thanks.
So is there any possible disadvantage to paying in euros instead of pounds? I mean, it's only a few quid, but if there's nothing else to it then why not right?
Not that I can see. You'll frequently find personal finance publications encouraging holidaymakers to pay in local currency for exactly this reason.

Okay thanks, I'll just go ahead and pay in Euros then.

Got a Santander right next to where I live so might pop in there and ask them if they could tell me exactly how much I'll end up paying.

Thanks for your help.
#6
If you ever need to get a refund by paying in eurs the refund will actually be less than you paid due to exchange rates. So if you pay in gbp and need a refund that's the amount you get back. Learnt the hard way when I lost £10 due to an item not arriving and receiving a refund.
#7
Illusionary
As a general rule, paying for foreign currency transactions in that currency, with exchange taking place at your card provider's rates, does typically work out cheaper than allowing the merchant to do the exchange - this situation just seems to be in line with that.

Thanks, wanted to know which was cheaper & a Google search bought up this thread - great :)
#8
Crossbow
Illusionary
As a general rule, paying for foreign currency transactions in that currency, with exchange taking place at your card provider's rates, does typically work out cheaper than allowing the merchant to do the exchange - this situation just seems to be in line with that.
Thanks, wanted to know which was cheaper & a Google search bought up this thread - great :)
Hehe, old thread, but you're welcome! :)

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