Great for payments and cash withdrawals overseas
The exchange rates are not as competitive as transferring funds to an overseas account via some online providers but the card is great for travel to countries where one doesn't have a bank account. The card offers the option to exchange funds into one of the available currencies while exchange rates are good and use the funds later.
Unfortunately this card doesn't have the same card controls as the HSBC Platinum card but it is the better option for accessing cash overseas.
Very Inflexible Product
This product is ridiculously inflexible and requires a user beware warning. On opening this account the holder is required to select a number of supported currencies to transact in from a drop down list should you wish to secure a particular currency at a set rate prior to travel. These currency choices then become locked in and it is then not possible to add additional supported currencies at a later date to support travel to other destinations. According to HSBC their tech team is "looking at the issue". I would suggest that anyone opening on...e of these inflexible accounts selects ALL of the listed currencies available to protect the needs of future travel. A pretty ordinary deficiency from a product trumpeted by HSBC as revolutionizing travel debit cards. This issue leaves a nasty taste before even having the opportunity to use it.
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