Cheaper isn't always better!!! Something I have found out the hard way. Since leaving MF Global in April, I have begun to appreciate the cost and more importantly the utility of the things I purchase. It also probably won't surprise people to know that this appreciation has been inversely proportional to the balance in my bank account!!! I would imagine that some people would see some sort of justice in an ex investment banker having to watch his pennies - or ...

D'oh, D'oh, D'oh!!!! I did the research, I got the collection of bank cards, I won't get charged for paying in a foreign currency!! Good work Dann!! Feeling smug. Now if I just knew the PINs, I might actually be able to get to that money that it won't cost me to withdraw!!!!! Numpty!!!