“So what's most important to me when choosing how to pay? I think the fees when abroad. So if I I should I should choose the card that could give me the most while while abroad. So for that, I will I will not use my debit card because it's it has the most transaction fees and conversion fees. So it will just add to my bill. So the most important to me is having to be able to save the fees while abroad. So that's why I use my GoTime card or credit card.”

“I would say, first of all, that would be the currency exchange rate. Obviously, it's not the greatest, anywhere I go even if I have to exchange from pounds to euros is still very low. And the second one, if I pay back card, are the fees I have to pay in some countries, which are when I check at the end, that can be, like, £50, £60 for, like, just a week, which is, like, a lot of money, especially when we are talking countries not from Europe.”

“When I'm online, I prefer to use, a credit card that offers, free international, you know, transactions. So there's there's no, international currency fees.”

“Visa stand out to me because it's a wide, it's a wide accepted thing. So a lot of pea all of the the world, people will accept Visa. So it's very universal. And Revolut stand out to me because I love how they have live rates, and I can transfer my pounds into the local currency, and it will give me the live rate there and then and how they don't charge any fees. I do think they're very they're very cool, the fact that they are universally allowing people to travel and enjoy more of their money instead of spending it on fees and, charges. So that's why I do love Revolut. And Visa, I think my my image of them would just be the fact how universal they are and how inclusive they are of all countries.”

“The most important thing to me is having the best exchange rates and having the best, getting more for my money. I also don't like paying fees unnecessarily on top of what I'm already spending. That's the most convenient for me. Sometimes I do obviously, I pay in cash just to so it's easier for the vendor as well. If it's a small vendor, I try not to use credit card or debit cards because it will charge them. But the most important for me is having no no fees to pay and having a good exchange rate.”

“Yeah. Like you said, fee transparency is another another, good attributes or effects that I I enjoy, like, using my my money. So my revenues, they are they are mostly fee free internationally when you are spending international. They have majorly free payments. So that's one of the perks I love when using them to, to make payments, while I travel. So that's, yeah, that's one of the perks. Free, free international spending. No no no fee attached to the spending you spend international. Yeah.”

“It is very important so that after logging or accounting every expenses that we made during the trip, we would not be surprised or shocked by the amount of conversion or transaction fees. So I think there should be a fixed rate for this if there's 5%, fifteen, ten, etcetera.”

“Yeah. If I know that there's going to be a specific fee on my Amex, I might use a Visa instead, or I might take out cash during a trip to avoid that.”

“I will definitely have cash on me with the currency, of the country I am in. However, I will do some card payments as well, definitely. However, I will, do some researches in advance to make sure I'm not charged any fees as some countries, for every online transaction I do, they charge extra fee which I'm not happy with. So I'll do research, prioritize. And if it they do not charge fees, then I will pay card but still always have cash with me.”

“Yes, that you don't pay a fee for exchanging money. Yes, I don't know. Yes, that you don't pay too much in fees, or even pay no fees at all.”

“They should be able to show me transparently in advance, i.e. before payment, whether fees will be charged and, if so, exactly which ones.”

“My perfect or dream travel payment card would have a lot of rewards in it when I spend money abroad or overseas. Something that beats the typical 3% cashback or 3% credit and something too that waves international credit fees. I don't want any fees applied while I'm making purchases. I don't want a lot of rewards when I spend my money.”

“Safety. Like, I don't want my money to get stolen. And also fees. Like, there's a lot of foreign transaction fees, and I try to avoid those as much as I can.”

“When traveling to another country, credit card payments, usually, there's issues. But we're we use cash instead if they don't accept the payment or if there's unexpected fees. Well, it is for me, it is expected because there are conversion conversion rates, which are usually different by the day or, like, if you use credit card internationally, there's always fees.”

“I wouldn't say there's been anything major. As I mentioned, there haven't been massive fees. I would say probably the most difficult thing, is when you're buying something abroad and you don't have that instant currency conversion. So it can be a bit hard to work out just how much, you're spending on something.”

“It just would have to be really easy. Like, I just don't wanna mess around with moving money before I go on a different card translating to different, you know, currency. Like, I find that pretty stressful. I'd like a card that definitely would already have, which is no international transaction fees. I can use it in an international ATM, get money out without paying a big fee. I can just use it as I would at home, overseas. That would be that would make it the most enjoyable for me.”

“I'm also using credit card because to avoid foreign transaction fees, I have a couple of cards that does not charge it. So I try to, I actually always use my credit card when I am abroad to avoid those foreign transaction fees. And, usually, I'm paying it right back with my debit card, but mostly, I'm using credit card. And if not and I have cash on me, I usually use cash as well.”

“Yes, it is important to me that the credit card I use when I travel can withdraw cash for free at the best possible rate, and that I can also pay with it at an equally good rate. My wish is that the rate is always as good as the local money changer's rate. That is exactly how it is; that if I go into town abroad for a long time and go to a money changer, I go to the currency exchange with the best rate, then this rate would also apply to the card, which is not usually the case. Exactly. I need a special function for you there. I simply need the option of having the best exchange rate possible, having the cheapest exchange rate, that is the most important thing to me. Everything else is really irrelevant to me.”

“I'll usually get currency out because quite often you find with card payments abroad you get a transaction charge, which, obviously, it isn't much for one thing. But when you're buying lots of things, it does quickly stack up.”

“So when booking travel, for me, it's protection. If it's a big purchase, I'm gonna use my credit card because it then protects it. If it's sort of a smaller holiday like flight, I tend to use PayPal just because it's easy to check out, and I do like to split the payment within three. But also sort of in terms of spending, I like to be charged no fees. I like the local currency to be as close to it as possible. I like to be in charge no withdrawal fees either when withdrawing the money, so that's kind of why they're most important to me. But, But, yeah, the credit card for big transactions is just for the protection of something that sort of goes wrong with the holiday.”