Just got a letter from FD saying they’re no longer charging 2ish% on foreign currency ATM/purchases, either in the UK or abroad.
This is brilliant. My first thought was, ok but what is FD’s markup on the Mastercard exchange rate? This page seems to imply there’s no markup: Charges | first direct
which would make FD better value than Monzo outside the UK/EEA. Never thought I’d type that sentence.