Forex Card For International Students | Complete Info 2021 | HDFC Forex Card | Niyo Forex Card

In this video, I’ll give you crystal clear info on forex cards. If you don’t know anything about forex card, you’ll understand all the important points about it by the end of this video.
Hi everyone! This is Ritwik Arya. I'm going to pursue my master’s at the University of Edinburgh in the UK in September 2021. On this channel, I will be sharing my complete journey from India to the UK. Subscribe to my channel and press the bell icon to get notified about the latest videos!
Chapters:
00:00 Intro
00:50 What is a forex card
01:20 Types of forex card
02:02 Difference between forex vs international debit card
03:23 Which forex card I got
03:45 Current conversion rate for forex cards
04:32 Initial purchase cost
04:50 Forex card ATM withdrawal fee
06:23 Card blocking
06:33 HDFC forex card processing time
06:54 Forex card activation
07:10 Best forex card that you can get
09:04 Important things to remember while getting a forex card
Important Packing Checklist For International Students - docs.google.com/spreadsheets/...
For business queries & collabs reach out to me at [e-mail]
Connect with me on:
Instagram - aryaritwik
LinkedIn - / ritwik-arya
Topics I will cover on this channel:
UK university admission process
IELTS tips
UK student visa
Student life in UK
Part-time jobs in UK
Student living expense
Cost of masters in UK
Accommodation in UK
Jobs in UK
And much more!
Track: Au5 - Closer (feat. Danyka Nadeau) [NCS Release]
Music provided by NoCopyrightSounds.
Watch: • Au5 - Closer (feat. Da...
Free Download / Stream: ncs.io/CloserYO

[@deepm5919]

Bro you nailed it when you showed pointers at the end of the video, awesome and informative video!

[@anjanasingh6848]

Thank you so much fir sharing the information.

[@soumyadeepdas9428]

Very informative. Thanks mate.

[@prerakshah568]

Thanks a lot!👍🤘 for such insights

[@srsrt6979]

this channel is really underrated great video

[@rahulrprabhu6843]

Does the Real estate agents in London accept payments using Forex cards for first month rent and deposit payments?

[@anvitsharma369]

Bro thanks mann! Every video is so so helpful!

[@Dream_UK]

Thanks bro

[@anvitsharma369]

@@Dream_UK Had a lil question. Can students entering UK in January 2022 intake apply for a PSW visa?

[@Dream_UK]

Yes they are eligible

[@rajeshjadhav2726]

Sometimes at immigration they ask how much currency you have of that particular country, that time can we show them forex card balance and make it clear? Or we need to keep physical cash only?

[@basatanmay8536]

Hi.. very informative video. Can I pay tuition fee (high amount) through HDFC or Niyo forex card?

[@sumitkashyap-pt9hg]

hi bro are you bank will not charge 3.5% conversion charge as I've same checked with kotak bank and they are charging 3.5% conversion charge in forex card?

[@PeteButtigieg2020Supporter]

At last most awaited video

[@aniruddhapal8748]

Which is better. Forex or credit card for international purpose ??

[@abhishekpatil649]

Valuable information 👍🏻

[@jinalishah2799]

How the activation went? Did they sent any otp? Bcs I am traveling tomorrow and my card isn't activated yet. They said by tomorrow it will get activated, but if they send OTP for that, I won't be able to receive it as I will be in another country. Please share this information if possible. Thanks. ❤

[@LifestylewithDrKanza]

Thankyou so much so informative

[@prerakshah568]

Brother im planning to pursue cfa course which has 3 levels. Each yr i have to pay 1lakhs as fees for 3 yrs. Do u recommend me to buy forex card or should i pay it via normal indian card with the regular 3.5% charges Please recommend!

[@debojitdas4444]

Can i convert existing currency (like dollar, pound) from my hdfc forex card into INR or other currencies.

[@stutigoswami2010]

For making an Initial Deposit or for paying tuition fees to UK Uni. do we compulsory need to pay through Credit Card ? Or paying thru debit Card is ok ? Or does it differ from Uni to Uni ?

[@saumyaswamy2753]

It differs from Uni to Uni; however, most will ask you to use either a credit or debit card. Your bank in India will charge you 3.5% of your deposit amount as an exchange/conversion fee as well. I highly recommend you email the Income Office at your University and ask if a Bank Transfer can be done directly to the University's bank account. The exchange rates are way cheaper with this alternative. With tuition fee payment, ensure you do it in separate installments (check if this is allowed at your Uni) as anything more than 7.5 lakhs will cost you a huge TCS margin.

[@SachkiratSinghCanada]

Hey! Can you share how do you remove background from images to use them in creating thumbnails?

[@aayathhamzah3716]

Thanks for the information 👍😀sor

[@akashdebnath602]

This video is very helpful thanks bhai....agar ye video na dekhta to ye sab nehi jan pata

[@Dream_UK]

🙏

[@rakeshchandra1073]

Hdfc is the worst choice so far as forex card is concerned. My daughter's forex card is still unactivated even after 7 days, and in the meantime, we have approached hdfc two times, personally, after taking leave from office. Pathetic service by hdfc.

[@ennashuuor2791]

Thanks.. 👍👍jii very good channel God bless you 👍🙏

[@Dream_UK]

❤️❤️

[@rajeevmalhotra2885]

Can you suggest a card for making Visa and IHS card fee online, as these payments involve additional cost.

[@protaphira394]

Hello. I am from Bangladesh. I have a visa refusal in January intake which is no credibility ground, based on visa interview. Will I apply in next January 2022? If I apply is there any chance to another refunded? I don't withdraw my application. I applied in Kingston University. I have two offer letter. Please vi sussed me what can I do now...?

[@Instagram004]

Sir i have also hdfc multicurrency forax card but it is not activated yet what to do sir please help me

[@studioadaire]

Way to go Ritwik! (Y) :D

[@Dream_UK]

Thank you Vaishnavi!! 😄

[@harshbhavsar7642]

Hi sir, How is Wise transfer for initial deposit payment to the university?

[@suchetamandal3095]

Can we use hdfc forex card on uk metro? They use contactless tap and pay. So can I use forex card for the same?

[@negiblogsuk5918]

Give biomatrix on 12 but still not get my visa. I choose standard service.. Please tell me the average time on current status

[@AjayKumar-cg3vc]

Bro if i have stored us dollar in forex and if i go to Vietnam. Can I use same card to withdraw Vietnamese Dong from atm ? Will I be charged for transaction. And what If i loose my card abroad. ??

[@prashant1160]

good information. Ideally how much amount should a student get converted in USD OR Pounds in his forex card?

[@anshugautam8201]

Nyc bro nicely informed

[@suboolifestyles2223]

Could you please put light on PCR test.. Covid test before departure.. if airport authorities ask for Test report within 72 hrs or Test has to be conducted within 72 hrs

[@fahadw7990]

Hello, could you please help me with how is Indusind Bank multi currency forex card??

[@gauravmehta3299]

Ur flight arrival in Heathrow airport or another city in Uk ?

[@nikhiljaiswal9686]

Can we access International Airport lounge access of India and access of outside country Airport lounge too?

[@PhanikumarMV]

Excellent 👌

[@abhishekjaid8761]

Can I use my forex Card in India to Book AirIndia Ticket for my UK Friend ?

[@harika5482]

Very informative

[@sarthakpatelia9888]

I have already an Indian SBI travel forex card and the balance is 120 pounds but I need that money to transfer to Lloyds bank account how to transfer it?

[@vaddijashwanthreddy8908]

Why is everyone only talking about niyo global and not about FI Debit card. Even FI Debit card has zero charges as niyo. May i know the reason

[@sammysingh3590]

Good video brother 🙂

[@vishalnarwade3519]

Sir I have niyo global card.0 forex markup in my card.when I will do transection online I mean if I purchase any grocery or cloth in shop and o will do payment in online through the my Card so that time they charge me or not.beacuse I have 0 forex card ❣️

[@sadafrehman9107]

Where to contact if my forex card didn’t arrive on my branch even after their confirmation message ?

[@Adam-qp2ui]

I believe NIYO Global Card is better than any othervforex card.

[@user-ft1pf6dy8b]

Sir, kya ek sath 1 se jyada bank ke forex card liye ja sakte hai.

[@thecarradioandarongtong4631]

Very well covered bro ! Very good job ! I am from IIT Kharagpur, and this info will come in handy for me.

[@akashpagar399]

Which HDFC forex Card did you get

[@Aspirants.]

Bro I live in india and m out of india nhi ja jaunga and mene passport banwa rakha hai lekin m forex card lena chahta hu bcz m india me use krna chahta hu usse takki kuch cheeze usd currency me purchse kr lu from india to aesa possible hai kya In short india me online transaction me use kr dalte hai kya forex card ko plzzzzzzzzzz plzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz replyyyyyy And in this case jab m out of india ja hi nhi raha to to forex card le sakta hu mujhe mil jaayega kya?????¿¿¿¿

[@anugauravanu]

Hey Ritwik, When you are creating video on paying University fee, we have to pay in this week..

[@AmitKumarYadav-jc8xw]

Congratulations Bro 🤙😊

[@Dream_UK]

Thanks a lot Amit!! 😄

[@swapnilterde3099]

Nice information brother.

[@Dream_UK]

Thanks bro!

[@milanbisai6776]

Hi Ritwik, I got an HDFC Forex card from Pune VFS but currently don't have any HDFC account. Is it necessary to have an account to activate the Forex card? Or card can be loaded or activated by HDFC branch via other way?

[@Dream_UK]

Hey man! Not quite sure about that. You can call HDFC customer support and ask

[@Master_Design_Studio]

There is one more Charge , inactivity Fee . What is it , why it is charged?

[@ShootAtSightbyharsh]

That checklist helped a lot to me for packing.. coming to london hopefully on 28th Jan.. btw what editor or software you use for editing videos?

[@Dream_UK]

Happy to help! I use Adobe Premiere Pro

[@ShootAtSightbyharsh]

Thanks.. ❤️

[@asmavhora8026]

@@Dream_UK hey need your help I had booked the flight on 20th Jan and tested positive on 19th so rescheduled for 2nd Feb my course last enrollment date is 4th Feb I have sent an email to the university but waiting for reply.Am worried is it going to affect in any way

[@anugauravanu]

Hello Ritwik, Nice information. So your specs gone permanently. Though I took time to adjust my memory without specs but I am sure you must be feeling little free. We have filed ours VISA on 18 Aug but no news so far. I know you mention I can ignore SMS services but there I got hypnotize I guess & I took SMS n Courier both. Off course Scanning at VFS was wise suggestion and I liked it a lot n it was quick too. While waiting for VISA, I want to inform about booking covid test for my daughter & for myself too as tourist & I want to opt for Day 2 & Day 5 test so that I can finish my quarantine early rather waiting for 10 days in hotel room and can catch up with my daughter so please consider me as well while making video on booking covid test. I am sure, lot many parents also watch your informative video. Thanks & Good Luck.

[@Dream_UK]

Yes, I'm feeling great! 😄 Haha that happens. VFS staff is good at selling their services. Sure, I'll keep this point in mind while making a video on it. P.s. I have replied on another comment where someone mentioned about not getting any notification from VFS. You can check my comment once.

[@danielboyta6042]

Uk visa taking longer time than usual. Priority visa even is taking 15 days

[@trinayanakaushik811]

Thanks a lot

[@ennashuuor2791]

Such a good n valuable information 💝💝💚💚

[@Dream_UK]

Thank you! All the best :)

[@AJAYPATEL-bb7so]

Niyo global is issuing card at the moment ???

[@nirajxnaruto]

Bro i am thinking to open account in niyo but on playstore i see so many negative comments about niyo . I am confused and also i don't trust hdfc now.They open demat account without my consent. And charging me extra in the name of international transactions.

[@Dream_UK]

I'm using both of them and I'm able to get the job done. Just get both the cards.

[@biradarmahesh2187]

Thanks bro

[@manojsaravana3877]

Thank you

[@shubhankardas7578]

Very informative 👌🏽Thanks! BTW I will be studying Marketing MSc too but at University of Bristol, wish you all the very best buddy!

[@shubhankardas7578]

@manpreet Kaur Hi, great! Yes i have received my CAS and have also received my Visa aswell. Will arrive in Uk on 11th. See you there ✌🏽

[@Dream_UK]

Thanks, Shubhankar! That's amazing. I hope we will cross paths some day. Wish you good luck!

[@shubhankardas7578]

@@Dream_UK definitely brother 👍🏼 Tc.

[@Dream_UK]

You too :)

[@sameergangat258]

@@shubhankardas7578 hello, how's your experience in UK about your studies. Did you find it difficult ? Assignments and Dissertations ?

[@anushs3104]

How good is niyo card by dcb bank?

[@muhibuddin7421]

Any one book or going by Air india flight??

[@parvindersinghgill1237]

Is there any app for using hdfc forex card? How to do payments?

[@praveenchandra3478]

when we pay for visa fee + IHS fee for UK through hdfc debit card, they charge any pos txn markup fee on that or not?

[@Dream_UK]

I didn't see any deductions as such on my bank statements

[@debojitdas4444]

what about my money when i block my another currency loaded forex card.kindly reply...

[@saifshab8033]

Bro I apply for visa Tuesday but still didn't get any msg

[@Manpreetkaur-sp9om]

Is there any swipe charges in HDFC FOREX❓❓

[@Mac_03]

Hi, Thanks for the information. Can you also suggest, which card to get for international travel for a week? Debit Niyo Global Card or Credit Niyo Global Card

[@Dream_UK]

I use Niyo debit and it works fine

[@zaraafreen1553]

@@Dream_UKwhich bank's niyo debit? I have bought DCB one and will be travelling soon. So wanted to know if it's finely working for international transactions?

[@rohitbhattacharjee5084]

Hey Ritwik, Are you aware whether we can use our Indian prepaid sim card in UK for receiving bank OTPs? Or is it a better option to leave our Indian sim card here in India? Please suggest. - Rohit.

[@Dream_UK]

I received an OTP yesterday in the UK. So I'll say bring your indian sim to the UK.

[@rohitbhattacharjee5084]

@@Dream_UK Thank you for the info! Is it neccessary to recharge with international roaming packs? I'm using an Airtel prepaid sim and the international roaming packs are very expensive.

[@sonalshukla9447]

@@Dream_UK should we buy a small phone as I my phone doesn't have dual sim card?

[@anuragsinghchouhan0196]

Pls share something about your specs removal surgery bcs i wanted to go for the same.

[@amenazarin6686]

How r u Brother please take care n thanx alot for the videos 👍

[@Dream_UK]

I'm better now. Thank you so much!

[@aftabashrafi2408]

Bhai Ckyc ka issue kese solve Karu. Me koi bhi forex card nahi le pa raha.

[@amanbajwa2095]

Hi ritwik..its compulsory for forex card..u have ur visa and booking of tickets??..plzz rply.

[@Dream_UK]

Passport yes, ticket yes, not sure about visa

[@amanbajwa2095]

@@Dream_UK okzz..can you help me for accommodation in Birmingham?

[@SHERRI455]

If I cancel any transaction (flight tickets, amazon products etc.)which I made using HDFC forex card, does the vendor has the option to return the money back to my HDFC forex card??

[@Dream_UK]

Hi Ramesh, I didn't ever file for a refund so I'm not 100% sure. But you can call HDFC customer support and ask this question. I'm sure they'll be able to help you

[@vishakabcd]

Better to know whether any charge is there like inactivity fee. I took Indusind bank forex card 2 years back and due to lockdown I couldn't travel to abroad till now. They taken around 25$ as inactivity fee. No positive respond from bank for refund.

[@Dream_UK]

That's unfortunate, Vishak. Yes, inactivity fee needs to be considered.

[@Hackmudu]

How much we can get in 24 hours In atm abroad

[@nirvanasanket]

Thank you for this infomative video. Is there any AMC on forex card?

[@Dream_UK]

Hi! I have not experienced any of such charges. But even if there will be it would be very nominal compared to your expenditure in the UK 😉

[@nirvanasanket]

Thank you so much for your instant replay 🙂 "subscribed and bell icon pressed"

[@Dream_UK]

Thanks! I really appreciate it :)

[@leftfeelsright1968]

Can this cards be used for ruccuring payments on subcription from US based websites without going through the RBI e mandate process ?

[@Dream_UK]

Hey! It works for recurring subscription payments in the UK. You can do some research for the US

[@bestmotivation8738]

bhai europ me 12 digit passcode kyu mangte h mera to 4 set Kiya tha

[@sachinkatoch86]

Bhai kya documents chahiye apply krne k liye (Forex card)

[@taranjeetsingh7368]

What Documents need?

[@gauravmehta3299]

Hello ritvik. Can you please tell me 2nd day or 8th day Covid test is a mandatory in Uk IF I self quarantine in a hotel for 10 days.

[@Dream_UK]

Hi Gaurav, for now everyone travelling from India needs to take covid tests. The rules are slightly different for those who have got 2 doses of UK approved vaccines.

[@gauravmehta3299]

Ritvik in which date u travel in Uk bcoz I travel in next week so from where I contact you.

[@Dream_UK]

Hey Gaurav, when will you travel?

[@gauravmehta3299]

1 of sep

[@gauravmehta3299]

U booked ur hotel for self quarantine or not.

[@prayantsingh6674]

Under 18 wale students ko bhi mil sakta hai forex card in India

[@NexGaming311]

Which one best Card like HDFC of NIYO GLOBAL?

[@Nikunj_Goel]

Niyo Global is the best international card right now in India. It is a rupee-based card unlike forex card which holds foreign currencies. Niyo Global settles international transactions on live forex exchange converting INR to other currency with zero markup or conversion fees whatsover. International ATM withdrawal is 118 rupees fixed after gst for any amount withdrawn. International POS Transactions are completely free. Inshort, Niyo Global throught its aggressive promotion and profit cutting is giving conventional forex issuing banks a run for their money 🔥🔥🔥 hope it helps !

[@mohseenaparveen1488]

Sir what documentary needed for applying and the branch they asked for my flight confirmation soft copy is it necessary please tell they rejected my application for not having it. I am urgent basis please reply.....

[@mohseenaparveen1488]

@dreamuk

[@PriyaSingh-hr1or]

Which card is best with zero markup charges?

[@abhasdaga886]

Hi.. very informative video. I have a Question. How can i transfer money in hdfc forex card to my overseas bank account?

[@mahimanarayan2667]

hey, did you find out any answer for this?

[@abhasdaga886]

@@mahimanarayan2667 yes, money can be transferred.

[@dabz2803]

Hello, I have Question : what if I want to transfer my Hdfc forex card amount to Uk based bank .. is it possible to transfer from forex card to Uk bank ???

[@Dream_UK]

I'm not sure if that's going to be possible, Vaibhav. You can call HDFC customer support to get help in this regard.

[@cookiereaper6848]

Did you find any solution ?

[@bablirani5757]

How I can check balance in forex card?

[@pratiklatwe5277]

Great video! I have a query. Is it necessary to load money into a forex card when you first get it from HDFC? Or we can load through net banking at later dates?

[@Dream_UK]

Hey Pratik, I think you can do it later on as well.

[@shubhamkale5368]

Hello @pratik surely you can load the amount on your HDFC forex card later or anytime you feel there is a need.

[@FLYBY20xINSTA]

Which type of HDFC forex card best for Russian student ?

[@Dream_UK]

Hey buddy, do you live in Russia?

[@ananddaniel2734]

How to load INR in forex card from India by parents

[@jalitajames1279]

Can we transfer the forex card funds to our new bank account we start in UK?

[@Dream_UK]

I don't think you'll be able to do it. But confirm it with the bank once

[@rajashekarreddyg2264]

Bro I have taken broderless prepaid. ie Thomas Cook travel card. At orient exchange. But I don't know from which bank they given. My father wants to load the card as I'm Ireland. Please tell me the process

[@Dream_UK]

Bro ask uncle to call Thomas Cook. They will help you out

[@vipinvp]

Hi you need to contact the concerned Orient exchange branch.They will help you

[@shreyashnarade7566]

Does it work in china ?

[@daniyaahmed6251]

I have a doubt, can't we carry cash(pounds) from India and use that in uk ? Many students who travel to Canada advice to take cash with us

[@Dream_UK]

Hi, yes you can carry cash. I carried 300 pounds from India. Remember to keep receipt of pounds. You may need to show it to customs officer.

[@daniyaahmed6251]

@@Dream_UK Hi, Thanks a lot for your reply