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Using my Credit Card to pay in dollars

  • 29-03-2013 8:48am
    #1
    Shedite27
    Registered Users, Registered Users 2 Posts: 9,469 ✭✭✭


    I have an AIB Visa card, which I recently used to purchase flights on Orbitz. The flights came to $1996 and when it appeared on my statement AIB gave me a rate of $1.24/€ as an exchange rate.

    Now the exchange rate on their website hasn't been down below $1.26 for the past few days (I've been monitoring it), so I'm just wondering if there's any extra fees that I should have been including in my calculation? Or have they blatantly chanced their arm that nobody will notice what rate they offer.

    Difference in this case is bout €30, is there any way of being more efficient in this? Using Debit Cards for example?


Comments

  • #2
    Davy
    Registered Users, Registered Users 2 Posts: 19,340 CMod ✭✭✭✭Davy


    What visa card do you have?

    That would tell you what charges are applied on non euro transactions, eg 2.75% or similar, rather than the foreign currency rate

    http://www.aib.ie/personal/credit-cards


  • #3
    Shedite27
    Registered Users, Registered Users 2 Posts: 9,469 ✭✭✭Shedite27


    Ah yes, thanks for that. Didn't realise they charged that. It's a click Visa. I had a look at the T's & C's and after navigating through a series of "see Section 31", "see section 47" etc, they do indeed charge 2.75% of any Worldwide non-Euro amounts and 1.75% of European non-Euro amounts.


  • #4
    Shedite27
    Registered Users, Registered Users 2 Posts: 9,469 ✭✭✭Shedite27


    Also, just saw my Visa Debit Card only charge 1.75% up to a maximum of €11.43 on foreign payments. Would have been a cheaper way for my to pay for this...
    http://www.aib.ie/personal/current-accounts/Debit-Card-Fees-and-Charges


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