Out in Mexico at the moment and the current account card has been working flawlessly- thank you! I’m fact, it’s been working so well, two things have happened:
I’ve forgotten to take another card out with me because it’s worked so well!
Due to the great interface design (and having not cleared a previous transaction notification ) I noticed some restaurants in Playa del Carmen (both using Santander PDQs- coincidence?) had been charging me in GBP, not Pesos (MXN)
It looks like merchants are technically supposed to get you to sign to say you understand you’ll not be charged the MasterCard rate but the slips saying this were always presented as transaction receipts to sign (which I initially thought was just a quirk of being in Mexico). I only happened to look back over the second slip I got because I noticed a GBP-only value appear in the app (immediately- ) then when I looked a bit closer; a GBP value, exchange and commission rates on the ‘receipt’.
It looks like the merchant has an option for local / foreign rate presented to them on the device as part of the process (as well as one for calculating and adding their tip!) so I’ll be asking them to charge me Pesos from now on…
Hopefully this will help someone else avoid the Santander (and possibly others) poorer rate / commission and get charged the great Monzo / MasterCard rate instead