For several years we have used this card for Euro cash withdrawls in Greece. In July we were on Tilos (via Rhodes) when we tried to access 300e from a cash machine. The on screen simply said, declined insufficient funds. We contacted Caxton on our return to the UK who looked into the matter. The anwer was this can happen but its very rare. We returned from Leros yesterday where we experienced exactly the same situation again. We do carry other cards but on both occasions obtaining our cash has cost us money. Caxton has always offered a good rate but this is wiped out when it wont give you your cash. Checked the account last night and its showing 312e of which 300e is 'pending' ? This is the money we could not access. Do NOT rely on Caxton FX