Avoid Ryanair Card Fees with a Barclays Gift Card - HotUKDeals
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Sorry, not sure if this is posted in the right section or if something similar has been posted before.

Basically; for those of us that do not have an electron card the fees for booking a Ryanair flight are huge!

However there is a way round this. Barclays issue Electron gift cards (that can be ordered online) for a flat fee of £3. You can top up to £300 on it and use at any retailer that accepts electron, inluding online. Therefore if you are a regular Ryanair passenger simply purchase one of these cards and then use it to book flights - works out a lot cheaper!

Summary box
The information contained in this table summarises key product features and is not a replacement for the full terms and conditions
Card Issue Fee £3.00.
Limits The card must be loaded with a value of between £10.00 and £300.00 and cannot be re-loaded after initial purchase.
Usage Restrictions Use of the card may be restricted for some transaction types, e.g. gambling and automated fuel dispensers.
Replacement Fee £3.00.
Transaction Fees Use of the card in a currency other than Sterling will be subject to a charge of 2.75% of the transaction value.
The daily Visa exchange rate will be used to convert the transaction back into a Sterling amount.
Balance Enquiry You can obtain the up to date balance of your card by calling 0870 010 0059 or visiting http://www.barclaysgiftcard.co.uk
Cancellation or Redemption Cards can be redeemed at any time up until 90 days after expiry subject to a redemption fee of £3.00 and a minimum value of 10.00 Euro.
Expiry The card is valid for two years from the date of purchase.
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8y, 4m agoFound 8 years, 4 months ago
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#1
A good suggestion

An alternative is to open a basic account that offers an electron card. If like me you do so with the same bank that you have your current account (if you have one), then they can be managed online with the same log in. This also gives the option of immediate transfers between accounts.
#2
I've just heard Simon Caulder talk about this on BBC Breakfast and he said that the no fee for Electron is only a TEMPORARY offer. Make the most of it while you can!
#3
Better suggestion - just avoid Ryan Air all together. They're the bottom of the barrel and just take the **** with hidden charges.
#4
sicknote
Better suggestion - just avoid Ryan Air all together. They're the bottom of the barrel and just take the **** with hidden charges.

Best value airline going. Even with the luggage charges they are best value. People should try harder to travel light & go with cabin luggage only.
#5
Shame that I booked a ryanair flight last night! Still hot though!

Couldnt quite believe the £16 for paying by a non-electron card and £32 to take one bag of hold luggage between 2 of us!
#6
Does the Travelx cash passport electron card not work for Ryanair transactions?
As far as I know the only fees you are charged is if you use an ATM machine
#7
But aren't we forgetting what a scam this really is on these 'charges' - the credit card companies probably charge Ryanair at most 1% - ie 40p on a £40 one way flight and Ryanair charge how much - £4? for paying by card - a nice 10x markup. Makes you wonder if all the other so called 'taxes and charges' are seeing a similar level of mark up.

Finally I would be surprised if Ryanair get rid of having a free way to pay as at that point there is no option but to pay this charge and thus under EC law it would have to be included in the basic ticket price - I am sure this is the only reason for the cheaper electron price.
#8
On average credit/debit card charge approx 2.5% of the total, but your right about the healthy mark up, its like them calling their charges "tax" which is nonsense, however even with all of these charges you're still gonna struggle to find a cheaper way of flying.

all the best

the bear
#9
Electron cards are charger £4 when booking with Ryanair,as well as all others so no point here!
#10
I think that you will find that Debit Cards incur no charge to the retailer, Credit Cards certainly do.
#11
Rimi
Electron cards are charger £4 when booking with Ryanair,as well as all others so no point here!


Ryan air do not currently charge for payments via visa electron-check out details on their website on this link.
http://www.ryanair.com/site/EN/faqs.php?sect=CHARGES
#12
Inactive
I think that you will find that Debit Cards incur no charge to the retailer, Credit Cards certainly do.


Debits cards do incur a charge to the retailer but it is much lower than that for a credit card (it is typically a pence per transaction charge rather than a %). I would have guessed that Ryanair would be paying no more than 10p a transaction for debit cards.
#13
Also when we flew with them a few weeks ago the hen party in front of us were in tears because they all had to pay £30 each for going 2KGs over their stingy 15KG allowance!!!!!! so beware of that!
#14
Rimi
Electron cards are charger £4 when booking with Ryanair,as well as all others so no point here!



Not true.
#15
Excellent idea - gotta take the opportunity to avoid lining their sneaky coffers!

I agree it is only Ryanair's marketing trick to say "free/1p/£5/£10/£14.99" flights and THEN to pile on as many and as hidden as possible charges for just about everything else, and it does leave a bad smell and taste with the customer especially when "last time" one paid with Debit you got hit with a 40p or £1 charge, now you get a £4 charge and you know that nothing has changed to their card handling costs but that next time fuel costs go up somehow a debit card will be £6 despite "no fuel surcharge ever" :roll:

Just a few things I notice in the Barclays T&C:
- card, and its balance, expires in two years (says so on the card too of course)
- can't be reloaded - ie you're lending them up to the £300 initial topup - so costs you the £3 & lost interest to save the (current) £4/flight/person Ryanair charge
- though even at expiry you have 90 days to reclaim (subject to another £3 fee) otherwise donated to charity
- takes up to one week to arrive
- they are still using premium 0870 numbers (eg 14p for a 1min call!), though can use the website for most things

One point : I did check back to the Barclays website - ie one I feel I can trust - to be sure that site knows about the Barclays Gift Card and actually links to the https://www.barclaysgiftcard.co.uk/ site - you never know, not everything on the web is 100% kosher!
2 Likes #16
Voted hot here! Could anyone post what banks do electron accounts?

Think I may have found an alternative - Post Office TMC (travel money card) - my understanding:

£3 fee for £50 to £200
1.5% fee for £200 to £1333.33
£20 fee for £1333.33 to £2500 (£5000 in branch)
£1.55 quidco back
Valid for 2 years/no Sterling purchase fee, etc. (seems very similar in all other ways to me).

My thinking is it may be worth having a £50 one for a net cost of £1.45 after quidco - book 1 Ryanair (or other budget airline) flight & be quids in. Other way to go is a £200 one for the minimum possible percentage fee short of putting a grand plus on it (0.725% after quidco).

What do you think?
#17
shame you can't reload the Barclays card. this seems to make a basic current account with one of the banks that do Electron (see MSE thread here) more attractive. Great find re quidco on PostOffice card - have some mid-thread rep for this, jnm21
#18
I use these guys all the time (on special deals) they are cheap as chips, you get what it says on the tin (look at the small print lol), fair enough they bump up some of there charges but still how can peeps moan about the end cost, its nowt!! Only ever had one prob with a no flight in poland coz of fog, Thats 1 in 40 flights
#19
Inactive
Not true.


Try to buy a ticket an you will see that IT IS TRUE!
#20
Which banks offer accounts with electron cards?
#21
Rimi
Try to buy a ticket an you will see that IT IS TRUE!

It is not true - post a link to prove it is if you think so.
#22
sicknote
Better suggestion - just avoid Ryan Air all together. They're the bottom of the barrel and just take the **** with hidden charges.
#23
i have found them to be cheapest airline used them many times with no problems you can take 10kg with you in cabin for no cost plenty for a few days away. most people seem to take to much luggage with them 20kg for a few days away lol total overkill
#24
Has anyone tried 3V vouchers (https://www.3vcash.com/index.html) - not sure if they count as Visa Credit/Debit/Electron.
#25
Bear in mind the consumer protection afforded by section 75 of the Consumer Credit Act 1974 when using a credit card to buy something costing over £100 that doesn't apply to a debit card like Electron:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm

This also applies to things you buy abroad too as the card companies lost the court case.
#26
sparky83
Also when we flew with them a few weeks ago the hen party in front of us were in tears because they all had to pay £30 each for going 2KGs over their stingy 15KG allowance!!!!!! so beware of that!


They tried to fleece my daughter a while ago so she just opened her suitcase took out a few clothes and wore them instead! LOL
Ryanair 0 Daughter 1
#27
Rimi
Try to buy a ticket an you will see that IT IS TRUE!


Oh yea, you want me to buy a ticket that I don't need to prove that you are wrong, how about you prove that you are right.


The site specifically states that Electron Cards are the only cards that do not incur a charge.
#28
equinox
Bear in mind the consumer protection afforded by section 75 of the Consumer Credit Act 1974 when using a credit card to buy something costing over £100 that doesn't apply to a debit card like Electron:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/31/creditcards-31.htm

This also applies to things you buy abroad too as the card companies lost the court case.

Granted, but most ryanair flights are sub £20, let alone £100 (in my case).
#29
Has anyone actually managed to get a pre pay electron card to work???
I bought the travelex one a few weeks ago-and it will not go through as an electron card (which it is).
So has anyone actually managed to get the barclaycard or post offfice card to work on ryanair thats the key here?
I have yet to see anyone on this or similar postings confirm that they have found one that allows them to work! Only heard of success from the actual bank account ones!
#30
stphnstevey
Which banks offer accounts with electron cards?


co -op bank operate a useful basic bank account. it includes a visa electron card with a £250 a day fee free cash withdrawl limit from any link machine.(as long as youve got it obviously!),
no salary pay ins or credit checks. just pay in what you want by cash or cheque to fund the card. they send you a paying in book when you open an account. hope this helps :)
#31
How do I get one of these cards?

It asks for a username and password when i use the link or web address?
#32
johnraggett
How do I get one of these cards?

It asks for a username and password when i use the link or web address?


The website is:
https://www.barclaysgiftcard.co.uk/

Alternatively Google for the three words:
Gift Card Barclays

and the first link s/be part of the main Barclays.co.uk website with details of the product and a link to the other site (ie gives you some confidence re provenance of the website)

Do consider though the tip mid-thread here that there is a similar PO Travel Money Card with quidco cashback opportunity and ability to top up unlike the Barclays one - just about to look into that (thanks for that contribution!).

PS: Bagged myself a Post Office TMC this afternoon at local Main PO with £200 (@ cost of 1.5% = £3 = min fee), will become valid tomorrow ready to save £4/flight on a Ryanair booking :)

PPS: Can confirm that today after activating the PO card bought yesterday (via an 0800 automated #) I was able to use it without any hassle on the Ryanair website today to save £4/flight. Of course the Ryanair Zero fee for Visa Electron is 'temporary' - but I presume they have to leave ONE payment method free otherwise they'd have to increase their headline price with the unavoidable payment fee.
#33
just booked three flights on ryanair using my new "post office electron" card :thumbsup:
#34
There is another way around the credit card charges, and depending on the cost of your flights, could save you a bit of money.

I recently booked return flights to paris for £20.02. Credit card charges on top of this doubled the price.

However, if you pay in Ryanair Gift vouchers, there is no charge.

And there is no charge to buy these e-vouchers by credit / debit card! The only problem is they only do them in £25 multiples, and you do not get any change from them if you use less. Altogether , I ended up saving £15 , by paying for a £20 flight with 1 voucher, and not credit card.

Definietly worth a look into!

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