We have one of these and also the Post Office master card which shows the foreign currency the rate of exchange and has no fees - just as we expected from Halifax - like you say the rate is generally better and we got 1.68 most of our trip at Easter, far better and you can track your spending and have receipt for anything major i.e. if you buy a camera which then breaks or gets lost it is an itemised receipt as well as having your till receipt. I much prefer this and use that then my Suntrust debit card for anything for the villa. I wouldn't consider a card that charges a fee for paying in fx.