I was reviewing my holiday spending cards and thought I should have a back-up to my pre-2011 Nationwide credit card. Since I am already in Santander 123 I went for their Zero credit card. It is 0% fee, 0% loading. So yesterday I would have got 4.67₺ to £. It is Mastercard and gives a significantly better rate than Visa. Not a card to suit everybody but since I pay off in full every month it is OK for me.