There is not usually such thing as a "free meal" HSBC offer to PLUS customers, thoes who pay £12.95 per month for certain beneifits one of which is Scorce <span style="color:red;">http://www.hsbc.co.uk/1/PA_1_5_S5/content/uk/pdfs/en/bank_account_plus_terms.pdf;jsessionid=0000L3WbU31XEVwd0IdgfOuTwRT:12c58nvti
What HSBC say to the Lay customer We will not charge you an ATM transaction fee for using your debit card in shops, stores, or at cash machines overseas. Just look out for the Maestro or Cirrus symbol and use your card just as you would in the UK.
Some Cirrus/Maestro members may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of withdrawal. Foreign currency exchange rates are shown on your statement against each transaction inclusive of an adjustment, which is currently 2.75%.
In plain English ? Heaven knows but how tricky can you get with the English Language ??? .
Unfortunately almost all cards secretly add a ‘load', an extra charge usually of 2.75%. So the higher the ‘load' the worse the exchange rate you get. This means £100 worth of Euro spending costs you £102.75. Worse still, it isn't broken down on statements so you won't notice
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