Caxton FX Multi-Currency Pre Paid Cards Review

 Founded in 2001, Caxton FX Limited is a provider of currency cards with bank-beating exchange rates and international bank transfer services. Caxton provides simple, safe and secure multi-currency cards and international payments for both business and private customers.

Caxton FX Currency Cards At A Glance

Caxton have three different currency cards to choose from: the standard Multi-Currency Card, the Corporate Card for business and the Premier Card.

Caxton FX Multi-Currency Card – Key Features

  • Multiple currencies, all on one card
  • Fee-free purchases overseas
  • Free overseas ATM withdrawals
  • Mastercard – accepted at over 35 million locations, worldwide
  • Chip and PIN secure
  • Switch currencies with ease, online or via the app
  • Minimum £50 load
  • Hold a maximum total of £12,000 or equivalent on your card
  • Subscribe to Rate Watch for exchange rate updates
  • Optional Buy Back Guarantee for £4.99
  • Use your card to save for your travels
  • Add Caxton Plus travel insurance from £99
  • 20% of SkyparkSecure airport parking

What Is A Pre Paid Currency Card?

The Caxton Multi-Currency Card is a prepaid Mastercard. You’ll need to load funds onto the card before you can spend. You have a choice of 15 different currencies to load and hold on the card.

Once you’ve loaded funds, you can spend on your card online or anywhere displaying the Mastercard logo.

In addition, Caxton cards offer free foreign ATM withdrawals and competitive exchange rates. Using a prepaid card for your travel money is safer than carrying large amounts of cash, which could make you a target for pickpockets or thieves, and your card can simply be stopped if lost or stolen.

How Does A Currency Card Work?

Load your currency onto your Caxton card – you can load your Caxton card with a minimum of £50. You can load currency before your trip or on-the-go using the Caxton app or via your online account. Your card must be loaded from a personal UK debit card in the primary cardholder’s name.

Hold currency – choose from up to 15 different currencies to hold on your card at competitive exchange rates.   

Real time exchange rates – access real time exchange rates from your online account or mobile app.


Caxton Multi-Currency Card Corporate Card
Card purchase and annual fee FREE FREE
Secondary card purchase £5.00 N/A
Load and reload FREE FREE
Point of sale transaction (international) FREE FREE
Point of sale transaction (domestic) £1.50 £1.50
ATM transaction (international) FREE Free
ATM transaction (domestic) £1.50 £1.50
Over the counter cash (international and domestic) £4.50 + 2% of withdrawal amount £4.50 + 2% of withdrawal amount
FX mark-up for currencies other than 15 Caxton currencies 2.49% 2.49%
Balance enquiry – ATM 30p 30p
Balance enquiry – online FREE FREE
PIN reminder FREE FREE
Card renewal FREE FREE
Replacement card – lost/ damaged/ stolen £5.00 FREE
Redemption processing fee £1.50 £1.50


Caxton Multi-Currency Card Corporate Card
Minimum load £50 £50
Maximum single load £12,000 £15,000
Maximum total available balance £12,000 £15,000
Max number of loads 2 per day 15 per wallet (card group)
Maximum load amount per year £50,000 £150,000
Max number of point of sale transactions per 24-hour period 20 30 per card
Max number of ATM withdrawals per 24-hour period 2 2
Max value of single ATM withdrawal £300 £500
Max withdrawal amount in 24-hour period £300 £500

How To Apply

You can apply for a Caxton currency card by filling out the online application form. The application process will only take around 15 minutes, but you will need to load a minimum of £10 by debit card, to activate your account and receive your currency card.


To apply for a Caxton currency card, you must be:

  • at least 18 years old
  • a UK resident

What Happens Next?

You’ll receive your Caxton Multi-Currency Card through the post in 3-5 days.

Which Currencies Can My Caxton Card Hold?

  • GBP Great British Pound
  • EUR Euro
  • USD US dollar
  • AUD Australian dollar
  • CAD Canadian dollar
  • NZD New Zealand dollar
  • HKD Hong Kong dollar
  • ZAR South African rand
  • HUF Hungarian forint
  • DKK Danish krone
  • NOK Norwegian krone
  • PLN Polish zloty
  • SEK Swedish krona
  • CHF Swiss franc
  • JPY Japanese yen

If you need to spend in a currency other than the 15 offered by Caxton, you can load GBP onto your Caxton card and you’ll automatically get the Mastercard settlement rate minus 2.49%.

Using The Caxton Mobile App

You can manage your Caxton account online or via the smartphone app. You can use the app to access your account 24/7.

  • Check your balance
  • View your transaction history
  • Top up your currency cards on the go
  • See exchange rates in real time
  • Switch currencies
  • Secure to use – PIN and password protected
  • Temporarily block a card

There are some functions that can only be performed online, not via the app. These include adding a new debit card, removing a debit card and updating your personal details like address or contact email.

You will also have to make your first load onto the card online, during the application process.

If you use the app to place a temporary block on your card, you will need to email or phone Caxton to unblock the card.

The Buy Back Guarantee

If you’re buying your travel money, but worried that you might lose out if you don’t spend it, you could take out Caxton’s Buy Back Guarantee. For £4.99, Caxton will guarantee to buy back your unused currency at the same exchange rate at which you bought it.

Travel Savings Plan

If you’re planning a holiday or wedding abroad, you can use your Caxton currency card to set aside regular amounts towards your trip. You can save between £200 and £10,000 in any Caxton card currency and choose the payment period you’d like to save over.

A Travel Savings Plan takes away the uncertainty about exchange rates, as Caxton will lock in your exchange rate when you start the plan. When you have made your final payment, the total amount in your selected currency will be loaded onto your Caxton card.

  • Choose your currency
  • Choose how long you want to save for
  • Lock in the exchange rate
  • Spread the cost with affordable monthly payments
  • Enjoy your spending money


  • Choose from 15 currencies to load onto your card
  • Have up to 15 currencies loaded on your card at the same time
  • Safer than carrying large quantities of cash
  • Free overseas ATM withdrawals
  • Make purchases overseas in the local currency with no fees
  • Competitive exchange rates
  • No monthly or annual fee
  • Mastercard, accepted worldwide


  • £1.50 for domestic point of sale transactions
  • £1.50 charge for domestic ATM withdrawals
  • 30p charge for checking your available balance at the ATM
  • £50 – £100 minimum load


How do I know what exchange rate I will get?

The 15 Caxton currency exchange rates are all published on the Caxton website.

Can other people load money onto my card?

No, the card must be loaded with a debit card in the primary cardholder’s name.

Will I be charged for using an ATM overseas?

Caxton do not charge you for making overseas ATM withdrawals, however the ATM owners may still charge a fee.

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Company Details
  • Company Name: CAXTON FX LIMITED
  • Registration Number: 04610337
  • Incorporation Date: 2002-12-05
  • Status: Active
Contact Caxton FX
  • via Phone: 0333 123 1812 Call
  • via Post: 30 St. Mary Axe, London, England, EC3A 8BF