Best way to purchase online for non-euro items

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Feria50

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I am hoping to purchase a package holiday online later this week from a Polish Website. The price is obviously quoted in Polish currency and is about 4,000 zl

From past experience using my PTSB Visa card to make purchases either in Poland or from Polish websites it is not very cost efficient with the exchange rate being offered fairly poor.

I have heard about revolut and N26 but I need to make the payment by next Monday..

What are my options? if any!

Thanks in advance
 
It is possible to complete the registration for a Revolut account though their app by next Monday. This will give you a virtual card to use to book the holiday.

BUT (and it's a big BUT), while the exchange rate offered by Revolut is most likely better than that offered by PTSB, you most likely do not have the level of protection offered by the PTSB Visa should anything go wrong.
 
Buddyboy said:
ou most likely do not have the level of protection offered by the PTSB Visa should anything go wrong
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Unless the PTSB visa has inbuilt travel insurance, it's the exact same protection as it's actually offered by Visa, not the bank. (Although it would be much easier to get through to customer service with PTSB)
 
Thinking out loud, were I to ring PTSB would they be able to tell me what ex rate I would get as of now if I were to make the purchase? or is this wishful thinking?
 
Feria50 said:
Thinking out loud, were I to ring PTSB would they be able to tell me what ex rate I would get as of now if I were to make the purchase? or is this wishful thinking?
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Yes, with Visa the rate is set the day before the transaction clears. So for a transaction settling today, the FX rare is already available.
 
The Revolut set up is very fast. And you get a virtual card to use while you're waiting for your physical card. So you could use the digits from your virtual card. I remember being amazed at the exchange rate I got when I first started using Revolut for booking flights in other currencies.
 
Credit card, credit card, credit card.

With a debit card, regardless of brand, you have zero protection should something go wrong with your counterparty. Shaving a few decimals off an exchange rate is not, in my opinion, worth the risk.
 
TarfHead said:
Credit card, credit card, credit card.

With a debit card, regardless of brand, you have zero protection should something go wrong with your counterparty. Shaving a few decimals off an exchange rate is not, in my opinion, worth the risk.
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There is absolutely no difference between debit and credit card in terms of protection in Republic of Ireland.
 
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