yes - I'll go with that - however my bank HSBC do a scheme (Advantage), with lots of goodies thrown in,
it's £12 a month and you get a good world-wide Annual Travel Insurance for the family, Car recovery (any vehicle you are in), no foreign transaction charges on your cards,
better interest rates for saving accounts, Life insurance cover, ID theft insurance, Card Protect and lots of discount leisure offers.
It works out well for us and I don't get charges just like the Nationwide Card. Also 0% interest on currency - again - that's a lottery - but at today's rates,
having spent so much on the holiday, why worry about a few pence saving on currency anyway?? I go for convenience these days!
However interesting posts and good info!!