The best way to use the Halifax Clarity Card


Yes, it has always been that easy. Exchanging cash is a pointless expense and hassle when you have a Clarity card.

Just beware of DCC (Dynamic Currency Conversion), a legal scam whereby a foreign ATM, especially in Spain, detects your UK card and attempts to convert your pounds at its own lousy exchange rate. Always look for and choose the option to decline, ‘Without Conversion’ or similar, so that your card does the conversion at the ideal MasterCard rate.

Daily interest on the withdrawal will be incurred, but it’s not significant if you pay it off early.


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