If someone wants to Join Monzo use my link and we both will receive £5 https://join.monzo.com/r/zylci83
You pay dearly only if you are careless. In fact, without a fee-free card the EXTRA amount you pay is smaller than with a fee-free card.
Yes, but unless you have a fee-free card you will still pay dearly for it.
No deal here. Happy to keep letting the monza etc take that revenue.
Absolutely different incomparable things. There are two types of charges on foreign currency transactions 1. Your card is charged in local currency. Mastercard/Visa rate is used for conversion, extra charge added by your bank 2. Merchants offer you to pay in £ instead of local currency and use their own, bad for you, rate for conversion (DCC) Mastercard/Visa rate is good, close to the interbank one. Halifax doesn't add (1) for Clarity transactions. You can and always was able to refuse to pay in £, thus avoiding (2). Just check what amount and in what currency your are asked to authorise.