caxton.io Reviews 

This is the most expensive farce of a business I have ever had the misfortune to encounter. Lack of information, abysmal customer service systems, charges for everything it appears.
So bad that I would never use for a travel card. I can see getting stuck in some critical situation and trying to deal with this lot could have dire consequences. AVOID! I cannot stress enough AVOID!

Hugo was so kind, competent and understanding. He’s done everything he said he would do and offered really good advice and taught me what can be done to remedy a potentially bad and inconvenient situation. You are really lucky to have him.

Helpful knowledgeable person

Stupidly, I entered my card’s PIN number wrongly and my card was blocked. I was on holiday in Malta and really needed to have this card working. I contacted Caxton and they had this all sorted out within a few hours. I was so grateful to them. This is the second time I’ve had to ask for their help and they have been nothing but professional and helpful. A really good company.

I used my GBP-loaded Caxton card for four small UK purchases of £1.40, £2.50, £3.98 and £2.00, totalling £9.88.

Caxton charged a separate £1.50 domestic POS fee for each transaction. I therefore paid £6 in fees to make £9.88 of purchases. On the £1.40 purchase, the fee was actually greater than the purchase itself. Overall, the fees were equivalent to 60.7% of the value of everything purchased.

I contacted Caxton and asked them to confirm which card or membership I held, why the fees applied, where they had been explained and whether my account had a fee-free option for UK purchases. Caxton said that an email had been sent to customers in March and refused even a goodwill refund because its travel card is intended mainly for overseas use.

However, the response did not confirm which card or membership I held and did not answer my question about fee-free alternatives. Caxton’s own current guidance says that UK shop transactions are free with its Red Card and Insider Programme but not with its Black Card.

Even if the flat fee appears in the terms, I consider £6 of charges on £9.88 of everyday purchases a disproportionate and very poor customer outcome. A general email sent months earlier did not prevent four low-value transactions from attracting fees of between 37.7% and 107.1% of each purchase.

Caxton has so far declined to refund the £6. I will update this review fairly if the company reconsiders and resolves the complaint.

Despite having to be put on hold for over 15 minutes on three occasions trying to change my mobile number, when I finally emailed the Caxton help desk I received a response the same day and my phone number was changed. Perhaps instead of having to phone to change a mobile number your website should recommend using email?

Helpful and polite assistance and an efficient handling of my query.

Really helpful helpdesk team that react quickly when you need help.
The account is easy to use and simple to load currency to.
A vital part of our travel kit now, and we wouldn’t be without the Caxton card when we travel.

I contacted Caxton to seek advice on how to best manage my money during a visit abroad. Although I have used Caxton before, my itinerary this time was more complicated for me and I wanted to ensure the that nothing was overlooked.
The advice that I received was excellent and the advisor that dealt with me answered every question and gave further details of how I could best protect my funds and furthermore has simplified, my options and I have no doubt that my trip will be secure and Caxton will give me further support if necessary but I am very confident now.
Thank You very much CAXTON

Individual Cust Service operators really helpful. However, my problem was to do with redeeming and transfer. It could have been sorted in 10 mins by phone. It took untold emails and WhatsApp’s (more than 6 each) as the system doesn’t seem to be joined up so had to repeat info every time.
Been with Caxton over 10 years and it is great UNTIL there’s a problem.
So, link the info from various operators in Cust Service and get more telephone help.
It took from 20-23 Sept.

It appears to me that the person (or AI) tool has not bothered to read my original review criticising them and missed the 5 times I attempted to contact them by phone post 19th August and 3 emails.

Any attempt to call me back to expedite?

Do they really expect scammers to respond to their victims?

Why did they not freeze the account as requested after first payment taken ?

Why was the scamming company not investigated as many other victims have also posted about their experience (link previously supplied).

I have been with Caxton for years. Their card is just something I know I don’t need to worry about when I’m travelling.

Whenever I’ve needed to contact them, they have been great. Really fast and professional. Great customer service.

It’s just one less thing to worry about.

I did not get the same level of service from NatWest when I lost my debit card in Holland.

Thé girl was very polite And knew what she was doing And herpès sort out my issues

Had to email an issue which was dealt with brilliantly by Vivienne Nalule sorted it within minutes.
Couldn't ask for a better service.

Caxton drained the credit on my card with a so called 'dormancy fee' over several years. I don't know how much money I have lost but I know it's significant. I did find it difficult to view these transactions on the app. and believe this is deliberate. I am reasonably sure this fee was not a feature of the card some years ago and feel it is downplayed even today in their sales pitch. I was certainly unaware of these fees until I tried to access money I thought was safely stored by this company.
Card cancelled immediately.
I feel cheated. I have lost trust in this organisation and will avoid dealing with them in future.
Bank cards usually give a better exchange rate in any case. There is no reason now why I would want to use the Caxton card.
John

We had a small issue with one of our cards, which was sorted out very quickly.

I needed to block my Caxton card as my purse was stolen while I was in Spain. For some reason I was unable to do this on the App or online so I had to phone the Customer Service line. At first I did have trouble getting through as all the staff were busy apparently and this was stressful. However, after 30 minutes or so I get to did speak to Hugo on the team and he immediately cancelled my card and ordered a replacement to be sent to my home address. Luckily no transactions had been made on the card after it was stolen. I was very stressed and upset and was really impressed by Hugo's efficiency and his patience in dealing with me as he'd rung me back when we were cut off (probably my fault) and he also confirmed everything by email. In a crisis abroad it is such a relief to be able to speak to a real person who can provide immediate help. I would have given 5 stars for customer service if it hadn't been for the difficulty that I had getting through initially.

Everything was explained and hopefully is in full working dorder

I used the Caxton WhatsApp service for the first time. Hugo assisted me and my query was soon resolved.
There’s a little lag between responses, as with most chat services, but the support was good.