Thanks everyone for the detailed replied and sorry for delay in getting back on this. Just to say I've opted to take the card, coz on balance, it seems like a better deal. POSTFX in "liability to unauthorized transactions" of the T&C's say they wiil refund these. (See Section 5) of the user guide, so there does appear to be insurance of some sort. I know the no commission lark is just that, but even so PTSB charge both cruel FX rates and a 'conversion fee". On a transaction for €657 they gave a rate of 1.37 and charged €11.50 conversion fee. Personally, I'd rather bite the bullet up front and dodge these fees altogether. Okay, I gotta pay $2.50 per ATM w/drawal but I'll just take larger sums out. I don't suppose there is a way to avoid being creamed at some level, but for convenience etc I'll take the card. Oh, BTW slurryslump, sorry I've miseed the gardening section! I'll pop in there now for a browse! Thanks again everyone.
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