It looks like you got around 3.
On the website, the rate they quoted was 1. This is the midrate. You are never going to get that rate from anyone. It looks like you got around 3. It isn't as good as a post-paid card, but I'd say it isn't that bad compared with other prepaid travel cards.
The only benefit I can see for these prepaid cards is if you want to lock in an exchange rate. It is all part of the risk vs convenience vs cost tradeoff. You just need to do these things with your eyes open. The issue that you can't know the actual exchange rate is an issue with other credit cards as well. If you use a Mastercard, you can't find the rate they will use on their website for another 48 hours after you make the payment.
I usually use my normal credit card for all overseas trips. This was the first time I went for a pre-paid credit card big mistake. Prepaid "travel money" cards are a premium product in the AU market. They supply you with an additional card, the associated security, and a locked in exchange rate.
However, you don't get the credit card provided rate, and there are often additional fees to withdraw your money, top-up, or use your card in your home country, or even to leave a card unused. Cash exchange operates in a competitive market of quite complex fees and commissions. In your case you've had a go at the Ozforex card, but from the information you've supplied it is certainly no worse than any other cards in the "prepaid travel money" category, in fact from what you have said it may well be better.
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This is Sandra from the OzForex team. As stated above there is a difference between mid-market rates and customer rates. The mid-market rates are neither "buy" rates nor "sell" rates. They are derived from mid-point between the buy and sell rates of large-value transactions in the global currency markets. The buy or sell rate you would receive from OzForex would be close to the mid-market rate but would include our margin. It is industry standard to display mid-market rates and customer rates separately.
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O FX provides international money transfer services to private clients and business customers. In , it launched the brand ClearFX. It established an international payment solution with Travelex in the UK. In , OFX signed a partnership with global money transfer service MoneyGram in the UK, providing an account-to-account service through a white label arrangement. In addition, USForex is licensed in a number of U.
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