Newcastle Building Society - Free Prepaid Master Card - Avoid RyanAir Fees! - HotUKDeals
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I've been looking everywhere for a prepaid MasterCard as RyanAir is now begining to charge booking fees for the Electron card. There are several Prepaid Mastercards available for free with EURO and USD denominated currencies. These cards usually charge fees for transactions denominated in a currency other than EURO/USD. This card is GBP denominated so there should be no charges to book a return flight from the UK as the charge will be GBP denominated.

SELECT THE GOLBAL TRAVELLER CARD FOR THE GBP DENOMINATED CARD!

No Monthly Fees!
No Application Fees!
No Shop & Internet Usage Fees!
Free Int'l ATM use!

All UK transactions charged at £1.50.
Minimum load is £100.

I appologise if someone has posted a better solution, but I've had troubles finding anything. If there is a better option/deal posted, please let me know. Otherwise I hope this helps someone.


From the website:
Apply for a Caxtonfx Currency Card

You must be over 18, a permanent resident in the UK, and have a UK debit card.
You may apply for secondary cards for family members or friends as long as they are 13 or older.
The address that Caxtonfx holds for you must match the address your bank holds for you precisely.

Please note:
We do not charge a fee for a primary card but we do take a £10 deposit when you apply. We add this to your overall
balance when you load your card for the first time.
There is a flat fee of £5 for a secondary card, this is not a deposit that will be added to your balance, it is a straightforward fee.
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Turbonerd Avatar
6y, 11m agoFound 6 years, 11 months ago
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banned#1
US Dollar or Euro

so they probably make their money in the exchange rate conversions
#2
This is GBP denominated so there should be no exchange rate charges when booking online if charging in GBP. That is why I thought this card was better than the other EURO/USD denominated cards.
#3
Hi,
There is a fee per transaction with Ryanair.


Q. I am a resident in England. Can you tell me if I will pay any fees
if I use my Euro card to pay for Ryanair flights?
» answer
You should only use a Caxton FX Euro card to pay for Ryanair flights quoted in Euros. For Ryanair flights quoted in Sterling, the best card to use is the Caxton FX Global Traveller Card. If you book a flight with Ryanair quoted in Sterling and you pay with a Caxton FX Global Traveller Card, you will incur a flat fee of £1.50 per transaction. This means that a family of four booking return flights originating in the UK would pay £1.50 only. This charge is levied by Caxton FX not Ryanair.
If you use any other Sterling denominated card, which is not a pre-paid MasterCard® (Visa Electron users will start being charged from the 1st January 2010), Ryanair will charge you £5 per person, per leg. So for example, it will cost the family of four £40 (4 x £5 outbound and 4 x £5 inbound).

Your country of residence has no bearing on charges whatsoever.
To avoid Ryanair administration fees only two things matter:
• The currency of the card used to pay for the flight must match the currency
quoted on the Ryanair website.
• It must be a pre-paid MasterCard®
#4
eager to find out ore...would want the currency card, but only to use to book airline flights to miss out on the stupid charges for debit/credit cards
#5
The minimum load value for both the initial load and subsequent reloads is £100/€150/$200 depending on the currency of the card.
#6
T&C now shows minimum load is £100.
1 Like #7
You may prefer the FairFX prepaid c/card - normally £9.95, but free until the end of January.

T&Cs are the same (it is also issued by Newcastle BS) So, load and keep money in GBP.

In summary, same as Newcastle card - but the card physically looks nicer ;-)

Link here: http://www.fairfx.com/cardselection#anywherecard

MINIMUM LOAD: Just £10.
#8
jouster
eager to find out ore...would want the currency card, but only to use to book airline flights to miss out on the stupid charges for debit/credit cards


Same. I never carried my Electron Card. I'd only use to book RyanAir flights. This looks like the next best option.

Thanks MattOsprey. I didn't realise there is actually a charge. But £1.50 is still far better than the £20 booking fees I'd be facing for a weekend away from/with the GF.

Hopefully someone finds an even better actually FREE option.
#9
cb-uk
You may prefer the FairFX prepaid c/card - normally £9.95, but free until the end of January.

T&Cs are the same (it is also issued by Newcastle BS) So, load money in GBP with no charges for anything unless you use a UK cashpoint.

In summary, same as Newcastle card - but the card physically looks nicer ;-)

Link here: http://www.fairfx.com/cardselection#anywherecard

MINIMUM LOAD: Just £10.


I saw that FairFX card but the website said: A 1.5% charge is made on all usage, ATM or point of sale, using the FairFX Anywhere Card, in the UK, on the internet, or abroad. I guess if the flight is less than £100 (£100 x 1.5% = £1.50), the FairFx would be the better option.

I also didn't realise they were offering free cards till the end of January. After January this card will probably be the better deal as it is always free.
#10
The FairFX card has a fee of 1.5% so works out a little cheaper for bookings less than £100
#11
davelfc
The minimum load value for both the initial load and subsequent reloads is £100/€150/$200 depending on the currency of the card.


I usually kept about £200 on my Electron card, so topping up £100 every now and then didn't seem like an issue to me. My affect other users though. Thanks for pointing that out.
#12
There is a little bit of quidco cashback for these cards too:

Caxton : £4
FairFX: £7.50.
banned#13
Turbonerd
Same. I never carried my Electron Card. I'd only use to book RyanAir flights. This looks like the next best option.

Thanks MattOsprey. I didn't realise there is actually a charge. But £1.50 is still far better than the £20 booking fees I'd be facing for a weekend away from/with the GF.

Hopefully someone finds an even better actually FREE option.


you would never get a free option - these are banks you are dealing with .. and we all know how they like to make money
#14
ma6jrp
There is a little bit of quidco cashback for these cards too:

Caxton : £4
FairFX: £7.50.


Genius! I never would have even thought about that. Thanks!
#15
cold the load up fee is £100 :w00t:

You need to add this to the post.
#16
C00L, Anything to Avoid those High,High RyanAir Fees. TOTAL RIP OFF!!!!
#17
FFS get a LIFE, u can't vote the guy down just cause the guy has not put Min £100 on the post...

Get a grip m8, £100 is fine to put in the Account @ a time, and u can use it thru out the YEAR whenever you want...
And if you don't use the ££ on the Flights, take with you and use on food & drink on Holiday.. or on the flight going there..
#18
If it hasn't already been mentioned get an entropay card, use it everytime when booking with ryanair to avoid the card fees :thumbsup:

https://www.entropay.com/
#19
ma6jrp
There is a little bit of quidco cashback for these cards too:

Caxton : £4
FairFX: £7.50.


Sorry. NO CASHBACK for Caxton pre-paid cards.

For FairFX £7.50 from Topcashback (no fee) or Quidco (£5 annual fee)
#20
DD98
If it hasn't already been mentioned get an entropay card, use it everytime when booking with ryanair to avoid the card fees :thumbsup:

https://www.entropay.com/


Careful, this is a VISA card, not Master. Ryanair will NOT accept this card for free payments.
#21
celticbull2008
FFS get a LIFE, u can't vote the guy down just cause the guy has not put Min £100 on the post...

Get a grip m8, £100 is fine to put in the Account @ a time, and u can use it thru out the YEAR whenever you want...
And if you don't use the ££ on the Flights, take with you and use on food & drink on Holiday.. or on the flight going there..
There are better options out here so why not vote cold even the op agrees with this ?

Also this is not a deal it is tip.
#22
So if I get a FairFx with £7.50 cash back and book lots of £5 flights with a 1.5% charge it will be winning for a long time ;o)
#23
There is no such thing as a FREE pre-paid Mastercard. This is why the European Union is looking into Ryanair's payment offer. If Ryanair continues to quote prices without the booking fee, they will fall foul of the Law.

I would not invest a lot into a pre-paid Mastercard at the moment because, Ryanair will soon have to make changes to comply with the European Union ruling, but we don't know what they will be (perhaps Visa pre-paid? which can actually be got for free).

Because pre-paid Mastercard are actually available for free within the Euro-zone, it is also possible that Ryanair will continue with Mastercard, but not to advertise the cheap flights in the UK, or advertise the flights inclusive booking fee in the UK. and other European Union Countries which did not join the Euro Currency.
#24
Note that you need your passport number to complete the online application.
#25
Please can somebody correct me if I am wrong but are you not protected ( as you are with a normal credit card) if you use one of these cards?
#26
Ryanair Gift vouchers, heard something about avoiding card charge using this.
banned#27
DD98
If it hasn't already been mentioned get an entropay card, use it everytime when booking with ryanair to avoid the card fees :thumbsup:

https://www.entropay.com/


When did you last book with them?
#28
More info here, should you need to compare -

http://www.moneysupermarket.com/prepaidcards/default.aspx
banned#29
thir13en
Ryanair Gift vouchers, heard something about avoiding card charge using this.


Only valid for six months, multiples of £25, and any extra credit on them expires if it is more than the cost of the flight.
#30
OMG I can't believe that idiot at Ryanair has got everyone scurrying around to change credit cards! I'd just vote with my feet and never fly with them. I can't believe that airline goes to such lengths to alienate it's customers, yet people are still prepared to run about doing what he says! Any other business would lose customers left, right and centre, and Ryanair should be taught that lesson as well. I'd never fly with them on principle.
#31
ma6jrp
There is a little bit of quidco cashback for these cards too:

Caxton : £4
FairFX: £7.50.

Go thru Topcashback as quidco doent give u the option to choose Pounds Sterling where as topcashback does!
Link
http://www.topcashback.co.uk/retailerdetailFairFX.htm
#32
Nice H&R added
#33
scottc;7432860
OMG I can't believe that idiot at Ryanair has got everyone scurrying around to change credit cards! I'd just vote with my feet and never fly with them. I can't believe that airline goes to such lengths to alienate it's customers, yet people are still prepared to run about doing what he says! Any other business would lose customers left, right and centre, and Ryanair should be taught that lesson as well. I'd never fly with them on principle.


We are not running around doing what he says though. We are playing him at his own game.

There is no getting around the fact that the RyanAir offers are ridiculously cheap - even if you pay the £5 per leg per person card fee. So to not use RyanAir because they advertise a price that can only exist if you have a prepaid card is cutting off your nose to spite your face. If you use the MasterCard prepaid on the offer flights RyanAir must in fact be losing money because the price I have paid on my flights with them wouldn't cover the airport tax.

The reason they are not losing customers "left, right and centre" is because some people realise a good deal when they see one.

Meanwhile I am looking forward to my £10 return trip to Spain for a weekend in February. :)
#34
thir13en
Ryanair Gift vouchers, heard something about avoiding card charge using this.


They charge you a fee for buying the gift vouchers though :w00t:
#35
ma6jrp;7432381
The FairFX card has a fee of 1.5% so works out a little cheaper for bookings less than £100



Can someone confirm the charges for using this card with Ryanair.

Does Ryanair charge a £1.50 fee for the use of this card or does Ryanair charge no fee but FairFX charge 1.5% of whatever the total transaction cost is (say 15p on a £10 Ryanair total flight cost) or does FairFX charge £1.50 per transaction

I is a bit confused :oops:

edit: Thanks for the answer Searcher2 (below)
#36
shaggydabbydo;7433243
Can someone confirm the charges for using this card with Ryanair.

Does Ryanair charge a £1.50 fee for the use of this card or does Ryanair charge no fee but FairFX charge 1.5% of whatever the total transaction cost is (say 15p on a £10 Ryanair total flight cost) or does FairFX charge £1.50 per transaction

I is a bit confused :oops:


Ryanair charge nothing if you use a prepaid Mastercard. So any charges must be from the card.

Someone said that if you had a Euro card and paid in Euros then there was no charge - so I don't see why it is not possible to book a flight charged in Euros (e.g. go on the Spanish Ryanair site and book). I haven't tried it but will have a look later. I guess you may lose out a bit converting from GBP to Euros to start with though.
#37
minime
Please can somebody correct me if I am wrong but are you not protected ( as you are with a normal credit card) if you use one of these cards?


Sorry, you are not protected. It is really a debit card.
#38
minime
Please can somebody correct me if I am wrong but are you not protected ( as you are with a normal credit card) if you use one of these cards?
Correct, no protection.

I've applied for an Escape card, £9.99 to buy, but there are no fees for loading money via bank transfer or making purchases (£1.50 for ATM withdrawals). It was a bit of a faff ordering the card. In the end I had to phone them, but the Customer Services were surprisingly friendly.

I've already got a FairFX card ... didn't realise I could use this to dodge RyanAir Fees otherwise I probably wouldn't have bothered with the Escape card.
#39
Searcher2
Ryanair charge nothing if you use a prepaid Mastercard. So any charges must be from the card.

Someone said that if you had a Euro card and paid in Euros then there was no charge - so I don't see why it is not possible to book a flight charged in Euros (e.g. go on the Spanish Ryanair site and book). I haven't tried it but will have a look later. I guess you may lose out a bit converting from GBP to Euros to start with though.


I think the risk of that is:
a) you could lose out on FX by converting GBP to Euro when loading that card; and then
b) you could lose out again on FX by converting the flight price from GBP to EURO

Additionally, the flight price is usually determined by the departure point, not the website version: i.e. Booking a return flight from Spain to UK is quoted in Euro, however, booking a return flight from UK to Spain is charged in GBP (even on the same website)
#40
You can pay in any currency on any site...ie pounds on spanish web site and euros on uk site.....you pay ryanair nothing to book with the pre-pay mastercard either in euros or pounds.....the only fee is charged by mastercard.....although if your card is in euros then you pay in euros and if your card is in pounds you pay in pounds ........could be useful to get both cards if you are a frequent flyer and buy one way flights in uk/europe

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