Waspman. Can u tell why I shouldn't use my clarity card at the cash machine please.
Jaxbubbles, you certainly can use your Halifax Clarity Card at an ATM overseas, there are no withdrawal fees as there is with most other credit cards, however when withdrawing from an overseas ATM you will pay interest from the day the cash is withdrawn, even if you pay off the balance in full, the rate is relatively low at about 12.9% I believe.
Use it abroad at tavernas, bars, supermarkets, anywhere that accepts them and you will get the best exchange rate available without exception, it is the best card available at present.
Congratulations on choosing this card, you are in a minority (including me) on this forum.