Just been abroad where I've been using my debit card in preference to a credit card (which has the nuisance of having to remember to pay it off otherwise I get stung with charges).
Now I've just found out that every debit card transaction has cost me a £1.25 point-of-sale fee (on top of a 2.75% 'ERTF' fee).
I can't find anywhere on-line their charges for using credit cards abroad.
Do credit cards (specifically NW ones) also have a point-of-sale fee?
If not, it seems extraordinary that someone would be penalised for using a debit card instead of a credit card. (And many transactions were very small such as motorway tolls where the £1.25 would be a big chunk of the cost. I'm sure that the merchant fee for using a credit card wouldn't not be as much as that; can it?)
I think I'll stick to cash in the future; at least I know, even before I leave the country, exactly what rate I will be getting (some transactions with the debit card were coming out at about 0.90 euros to the pound! While cash was giving me about 1.10 euros)