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Monday, January 07, 2008
morerosado
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We are non residents & have a Nationwide Flex current account which we only use to withdraw funds in Spain via ATMs that have the Visa sign. Using this method we don't get charged anything & we get superb rates. I thought you would be interested to know how we did. Before we left the UK on Dec 14th we put a certain amount of cash into the Flex a/c & drew out as follows.
Each time we withdrew 300 euros. All just below the Sky currency bank rate.
17/12 rate 1.396
18/12 rate 1.402
20/12 rate 1.389
29/12 rate 1.353
An ideal way to get euros in Spain for hols.
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07 Jan 2008 6:25 PM
Simmo68
Parcela
I'm in Cheshire And Rafal
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I have the same card and can confirm that this is probably the best way to get your euro's without incurring commision. Always a great rate. You can use it for transactions as well ie shopping, without being charged. Some visas charge 3%
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10 Jan 2008 1:15 PM
miket
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Ditto Morerosado,
I have a N/Wide flex account and to date I havn't found a better deal?
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10 Jan 2008 1:32 PM
morerosado
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Hi Mike, great to "see" you again. Trust you had a good Christmas & New Year. We were in Spain from Dec 14th till 6th Jan & had a wonderful time.
It's amazing though, getting back to the Nationwide account, how many people still don't seem to take advantage of our great finds & then still continue to go on about rates etc. It's the same with using a UK mobile in Spain rather than buying a Spanish SIM card for your UK mobile or, better still, a Spanish mobile. If you're going to ask for advice please take it or what are we all doing here ?
I'm poorly so slightly grumpy & feel a vent or 20 coming on. 
This message was last edited by morerosado on 1/10/2008.
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10 Jan 2008 4:50 PM
Pat and Roy
Finca
I'm in Hertfordshire. UK. Princesa Letizia IV, Formentera, Nr Rojales, Costa Blanca
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 Hi More, sorry your feeling poorly get well soon we do not want you venting. We both have a Nationwide Flex account and cards brilliant no charges and good rates. Roy has had his for years but I only changed 2 years ago, received a cheque book as well but have never used it.  I think I did convince a few couples to change in the village. Take care Pat
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10 Jan 2008 6:08 PM
saznaz
Ático
I'm in los altos and kent
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I am glad I have spotted this gem as we belong to nationwide and r going out in a few weeks to complete and need to buy quiet a few bits and bobs
We were going to put it on our credit card but if the rate is better and we just draw cash
Can u only do this by drawing cash from flex a/c how abt rates for nationwide credit card
Look forward to hearing from u
Saznaz
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10 Jan 2008 6:18 PM
morerosado
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I don't know about cc's Saznaz (we haven't a N/wide cc) though Simmo in this thread said the cc doesn't incur charges if you use it to buy services, not take cash out though.
We use Saga Visa in Spain for services, we bought some furniture. Saga Visa don't charge the 2.75% or whatever others tend to charge. ENSURE you use a machine with the VISA logo on it or you WILL be charged. Take out euros too not sterling. One we used was Cajamurcia bank. Machines give instructions in English & my OH found it very simple.
This message was last edited by morerosado on 1/10/2008.
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10 Jan 2008 6:38 PM
saznaz
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I'm in los altos and kent
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Thanks v much will c wot they say abt cc
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28 Feb 2008 10:10 AM
Remmy
Parcela
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Hi Saznaz, I have used my nationwide credit card in spain and their are no fees on buying goods only for taking out cash and the rate you get is very good. Remmy
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28 Feb 2008 10:19 AM
saznaz
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I'm in los altos and kent
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thanks v much Remmy will look into that - my hubby used his MBNA card whilst we were out in Feb - the rate here was 1.34 and they gave us 1.21 - daylight robbery
so will use nationwide card in future
ta
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28 Feb 2008 10:34 AM
Remmy
Parcela
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Hi Saznaz, When i went the rate was 1.466 and i got 1.46 on the nationwide card.
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28 Feb 2008 11:11 AM
morerosado
** EOS Superstar **
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We have just organised N/wide ccs to go with our N/wide flex a/c as we can check online too & move money around & pay bills from Spain. We had Saga Visa, which suited us fine, but they aren't online &, in future, we're able to spend more time in Spain so need online facilities. We always get superb rates using VISA ATMs with our N/wide debit card.
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11 Apr 2008 3:43 PM
morerosado
** EOS Superstar **
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Just thought I would post to say that we got 1.280 € / £1 on 18th March using our Nationwide Flex a/c debit card in a Visa ATM in Guardamar, CB, taking 300 € out. On 9th April, taking another 300 € out, we got 1.247 (Sky said it was 1.2476 later that day we noticed).
This message was last edited by morerosado on 4/11/2008.
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11 Apr 2008 6:02 PM
Marksfish
Villa
I'm in Leeds, West Yorkshire/ Puerto Rey, Vera., Almeria
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Hi More
Glad you are having a good time. We aplied for our Flex account last week, so hope to be hearing soon  .
Mark
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11 Apr 2008 6:15 PM
miket
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I'm in La Mareina, Elviria
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Has I've said previously,
Theres no better deal for currency Exchange Rate and NO charges that I'm aware of for drawing cash abroad than the Nationwide Flex account!
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www.marbellahillview.co.uk
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11 Apr 2008 7:05 PM
young
Apartamento
I'm in Stockport/Las Siete Casas
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We opened our account before we came out for our first visit last Sptember, they always give the business rate, not the tourist and don't charge commission. Credit card is good too
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Carmel & George
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01 May 2008 6:06 PM
PGM
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I have been using Nationwide Credit & Debit cards all over the world for years for buying goods with the Credit card and cash with the debit card, as far as I know this has always been the best way of doing my transactions. The other benefit is by setting up for on line banking as well you can easily monitor your spending on the net whilst away. Other banks have similar deals but none as far as I know have offered this so consistently for so long. I do most of my banking with Nationwide wish they has branches in Spain. Nationwide offshore Euro account based in Isle of Man is worth a look as well.
Phil
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05 May 2008 10:51 AM
carolandrichard
Studio
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I've been using my Nationwide flexaccount for withdrawing cash in Spain or a good few months now and been very impressed with the rates. Never more so than last week, I withdrew €200 which worked out at a rate of 1.27, my sister withdrew the same and hers cost five pounds more the rate being 1.23, and the rate she got on the euros she brought with her from the post office just a few days before was 1.17. Big differences!! I've even got better rates using the Nationwide account than transferring cash through the currency exchange with Custom House. And, now that Custom House are charging in the region of €15 per trade the Nationwide is looking even better.
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05 May 2008 12:29 PM
morerosado
** EOS Superstar **
I'm in UK / Costa Blanca
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Hi Carol & Richard. This is exactly why I began a new thread just for Nationwide as other info on it gets lost in other threads & the info is far too ace for that.
People often say "it can't be possible for you to get those rates so easily" &, until they bother to open a Flex a/c & use the Debit card to find out for themselves, they're not convinced. Often I feel people just say (like my OH did to me when I suggested opening an a/c) "Not another bank a/c ??" (He really did need convincing.
Thanks for posting about your experience with your debit card.
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Hey, we suddenly have more smileys to play with, about time too. 
Saw great one for the big agents ........  & what most would like to do to them 
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25 May 2008 6:06 PM
miket
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I'm in La Mareina, Elviria
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I've been using my Nationwide debit card for months now and without doubt this has been the best deal around. However, I've noticed that several banks are starting to charge a fee through their Cash Machines. Banesto charged me 0.5% the other day and Santander charged a similar amount too!
Are there any Spanish Banks around NOT not charging a Fee?
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www.marbellahillview.co.uk
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