Hi Bertie, The one we use is from last year. They don't apparently offer it any more, but still have the same no commission deal. We were offrered the 'pre-loaded' card when we went for the currency. With the credit card, when you buy currency from the post office with it, they don't treat it as a cash advance, but as a purchase and its cheap to use when abroad as well, as long as you pay it off in full when you return.