If you are off to Spain this summer, watch out when it comes to getting money out of a cash machine.

The Spanish banks have started to employ a new trick: they ask you if you would like to pay for your euros in pounds. It sounds like a good deal - but it is not.

The rate you tend to get is often a lot less than the rate you would get if you let your own bank do the conversion. So just say no.

Even better, make sure you are using the most efficient card for when you are aboard.

The best is Abbey Zero, followed closely by Nationwide and the Post Office.  They will give you a much better exchange rate and charge less if you are withdrawing cash.