FairFX is a currency exchange platform based in London. Find out what FairFX offers and the fees it charges, to see whether you should get your travel money through the company before you go abroad.
What services does FairFX offer?
FairFX offers 3 services:
Currency Card. A FairFX card is a prepaid travel card. It allows you to stick to a budget, is secure, and is available to use anywhere you see the MasterCard logo.
International payments. This service is for those seeking to transfer money abroad, rather than for those going on holiday. If this is you then check out our international money transfers tool here. (For the purposes of this guide, the rest of the information included here will be referring to FairFX’s Currency Cards and Travel Cash services).
Travel cash. For those who prefer cash, FairFX can send money to your door the next day in over 20 currencies.
Cashback. Customers can earn cashback when they use their FairFX card in-store or online at some of the UK’s top high-street retailers.
What currencies can I order through FairFX?
FairFX offers one card, which can hold up to 20 currencies at a time.
Here’s a list of the main currencies that are available with FairFX. These currencies can be bought as travel cash or loaded on to the FairFX Currency Card.
For your security as well as FairFX’s, there are some limits on how much you can load onto your FairFX Currency Card – and how much you can carry on your card at once.
Minimum you can load: £10 (for new customers the first initial load must be a minimum of £50 or equivalent in the requested currency)
Maximum you can load in one go: £12,500
Maximum you can hold: £50,000
How soon can I get my card?
Once you have ordered your card it can take 3-5 working days for you to receive it. FairFX does not have a fast track service and you cannot collect cards from any collection points.
How safe is my money?
If you lose it or it’s stolen, you can cancel the card. If you think you’ve just misplaced it, you can freeze it. Money you deposit with FairFX is not covered by the Financial Services Compensation Scheme (FSCS), like it would be in a bank, but the money is kept in “safeguarded” accounts so it’s ring-fenced. You can find out more about how this works in our guide to the FSCS.
Are there any fees I might have to pay?
It’s free to use your FairFX Currency Card online or at a point of sale – for example in a shop or restaurant – if you’re abroad and using one of the 20 currencies that you can buy and hold in the account.
Where you could expect to incur fees is at a foreign ATM. FairFX charges a fee and the ATM network provider may add a surcharge. There is also a small FairFX fee for withdrawing money in the UK. And it’s worth knowing that if your card has expired and it has a leftover balance, FairFX will charge you an inactivity fee of £2 a month.
Customer service information for FairFX
Email support
Telephone support
In-app or live chat
Contact form
Branch support
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Michelle Stevens is a deputy editor at Finder, specialising in banking, credit, loans and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. In her spare time, Michelle likes to travel, explore new foodie experiences and attempt to improve her own culinary skills. See full bio
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