Overview
- His warning, shared in a This Morning TikTok and widely reported Monday, says many banks add a 2.75–3% non‑sterling fee to every overseas card purchase.
- He advises choosing the local currency at checkout because letting the shop convert to pounds, known as dynamic currency conversion, usually gives a worse rate.
- To avoid these costs, he highlights specialist cards such as Barclaycard Rewards, Chase, and First Direct, and he urges paying any credit‑card bill in full each month to dodge interest.
- For cash, he suggests using a UK bureau de change comparison before travel or withdrawing from a local ATM with a specialist card, taking larger sums to dilute small machine fees.
- He also notes that package holidays generally offer stronger refund protection than separate bookings if flights are cancelled under UK rules.