explains

OLIVIA Attwood has revealed why she decided against posting screenshots to ‘expose’ her ex-husband Bradley Dack.

On Tuesday, the reality star told fans she was about to ‘get messy’ and post some damning screenshots after slamming the footballer’s new relationship – but never actually shared any.

With fans left on tenterhooks waiting for the posts, Olivia then returned to Instagram to reveal that she had been advised against exposing anything.

“So the screenshots are on pause, my manager wanted me to be the bigger person,” she said while making air quotes with her hands.

Filming herself with best pal Mark Johnson White, Olivia explained that they were heading on a night out to take her mind off it instead.

“So I’m gonna have a spontaneous night out. But I’m wearing Vans, so we’re gonna go and buy some shoes.”

MESSY MESSAGE

Olivia Attwood promises to expose ‘messy screenshots’ as Brad is seen with ex

liv-vid

Olivia Attwood takes SAVAGE swipe at ‘bits on the side’ as ex Brad seen with his ex

Filming herself in Selfridges, Olivia then bought a pair of designer high heels and headed to Soho.

Documenting her evening on Instagram; she, Mark and another pal ended up in hotspot Freedom Bar – partying into the early hours.

She shared a myriad of videos from the 7 hour bender, which saw the pals on the dancefloor, enjoying bottles of Grey Goose vodka at a table and larking around in the toilets.

Olivia also deleted the two stories which told fans that she was going to post screenshots, suggesting fans certainly won’t be seeing the evidence anytime soon.

She split from Bradley at the beginning of the year and later told fans the footballer had been unfaithful during their ten-year relationship.

The Sun revealed months on from the split that Bradley had quietly rekindled his relationship with ex Emily Rose Maloney, who he had dated before Olivia.

Earlier this week, Bradley and Emily were pictured together publicly for the first time.

This led to a seething Olivia slamming his flame as the ‘bit on the side’.

Before threatening to release screenshots, she said on Instagram: “I have definitely beat up myself over my poor judgement over the past decade.

“But I guess I could have spent 10 years as the bit on the side / professional bench warmer … so silver linings I guess”.

MAYA Jama looked stunning in a snakeskin co-ord on Tuesday as she arrived in New York to appear on US television.

The Love Island presenter, 31, used the TV appearance to reveal why she has been seen much less in the Majorcan villa during the current series of the ITV2 show.

The star donned a mini-skirt and top co-ord for the appearance, paired with black court heels, as she left her brunette tresses sleek.

She appeared on Good Morning America for her first ever television interview stateside, and divulged on the current season of Love Island on the show.

After Love Island fans noticed Maya has been in the ITV2 villa less this series, the GMA hosts quizzed her on it.

Explaining why she has been seen less, she said: “It’s not up to me, it’s up to the producers that you need to speak to!

VILLA REBOUND

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LIAM’S LETTERS

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“I think this series has just had so much drama that they didn’t need me to intervene, it’s been so entertaining, so wild – as usual.”

It comes after Maya responded to fans asking where she had been, as one joked she was on a “zero hour contract”.

She said on Instagram: “Jokes aside it’s not up to me how often I enter the villa.

“I wasn’t even on a break, I love it over there.”

During her US TV appearance, Maya also touched on her recent stint filming Celebrity Traitors.

While she couldn’t give much away ahead of the show airing, she did say: “This is the first time I’ve ever been a contestant and not a host. And I can’t say much, because it’s Traitors – you’re not allowed to say anything.

“But I’m excited! We’ll see how I act. It’s the biggest, one of the biggest shows in the UK, and in America also.

“It’s so much fun, whether you’re a traitor or a faithful, what an experience to get to do that. So, yeah, fingers crossed it goes well.”

Ahead of the interview, Maya took to Instagram to share some snaps to her Stories.

“Going on live American TV for the first time, ABC and Good Morning America. Wish me luck,” she wrote over a mirror selfie in her hotel.

Martin Lewis has shared his top holiday money saving tip, explaining whether you should pay in local currency or pounds on your card abroad – and how it could save you money on extra charges

Martin Lewis has finally settled the age-old holiday debate, revealing whether it’s better to pay in pounds or local currency when using your bank card overseas. Sharing his expert insight with BBC viewers, he cut through the confusion, offering clear guidance on the smartest way to spend abroad without losing out.

Martin advised: “When you go abroad and you pay on plastic [card] and the overseas cash machine or shop asks you: ‘Do you want to pay in Pounds or Euros?’ What do you do?

“Well, the correct answer is you should always pay in euros or whatever the local currency is. That means it’s your plastic that’s doing the exchange rate conversion, not the overseas shop or ATM.”

He stressed that this rule applies no matter where in the world you are. Social media users were quick to chip in with their own tips and experiences. One user suggested: “Just get Revolut or Monzo.”

Another declared: “I use Starling Bank it has no fees abroad and recommends paying in the local currency instead of Pounds. Something I saw online about dynamic exchange rate and it can cost you more otherwise.”

A third added: “Revolut has always been the best on doing this, can exchange right in the app as well, and when withdrawing it’ll just take it straight from that, half the time the only fee is the cash fee by the machine you use.”

Meanwhile, a recent holidaymaker shared their own experience: “Just back from Spain and not a single ATM did free cash withdrawals either, thankfully that’s all I was charged with my Chase account.”

One shrewd traveller commented: “I just get Euros before I go anywhere save all the hassle, and if I’m really stuck for cash go into an actual bank on holiday and withdraw money on my card.”

This handy tip comes on the heels of advice from a money-saving guru who stressed the importance of securing travel insurance ‘ASAB’.

During an appearance on This Morning, the financial whizz revealed: “My travel insurance rule is get it ASAB (as soon as you book). People do get a little confused about this, so let’s break it down.”

He continued to explain: “If you’re getting a single trip policy, so that is a policy to cover just one holiday, then what you do is as soon as you book, you go on one of the travel insurer’s website, you tell it your holiday dates and you buy the policy then.”

Martin Lewis made clear that if your holiday falls in August but you booked back in January, getting your insurance sorted in January is equally crucial.

“That means you have the travel insurance in place to covers that holiday,” he said, adding: “You don’t need to [cover yourself] for extra dates [in case there’s a delay at the airport] because you have your return date.

“If something delays you, so you weren’t back, that would still be covered because that delay is all part of the travel insurance.”

A customer claimed they had been told different things by Jet2 staff

Jet2 has stepped in to clear up confusion over its baggage policy. The update came after a query from a passenger with a group booking.

The traveller sought clarification as their reservation included two adults and a six-month-old infant. They explained: “Told we get two extra carry ons such as a buggy and travel cot that will be checked into the hold at the gate.” They mentioned they had two 22kg suitcases and recalled being informed on a previous Jet2 holiday that they were entitled to “an extra 10kg for the baby”.

According to guidance on the Jet2 website for bookings with children, passengers receive “an extra 10kg allowance for infants” and can also take “up to two items per child or infant free of charge”.

Differing messages

The customer’s query was whether the additional 10kg could be combined with one of the 22kg cases, creating a 32kg allowance. They said they had received contradictory information on this issue on their last trip with Jet2.

The passenger said: “On the way out with you we were told it’s fine to have a 32kg case (22kg + the 10kg). On the way back we were told the 10kg should be a separate small checked case.

“Please can you clarify which it is and what the rules are because on our last holiday with you we were told different things.” Jet2 responded to settle the matter: “The additional 10kg is applied to one adult’s baggage, allowing for a total of one bag at 32kg and one bag at 22kg.”

Extra items free of charge

When it comes to the two additional items you’re permitted to bring without charge, these may include:

• A collapsible pushchair, pram or buggy
• A car seat or booster seat
• A baby carrier
• A travel cot.

Each item must not exceed 32kg in weight. Should you bring any further items or anything beyond this weight limit, the standard excess baggage charges will apply.

Dodgers and Rams head team physician Neal ElAttrache was questioned by Major League Baseball investigators Friday following a detailed report by the New York Times that the renowned surgeon and sports medicine expert supported the therapeutic use of performance-enhancing drugs by UFC star Conor McGregor.

MLB spoke with ElAttrache, according to a person familiar with the matter but not authorized to comment publicly. The league considered the interview informational, not an investigation. The NFL, Rams and Dodgers declined comment.

“I have spoken with MLB and I am very comfortable with the process that the league and I will complete to assure the public that I have followed every rule and regulation in my medical treatment of athletes without exception,” ElAttrache said in a statement to the Los Angeles Times. “My record is completely clean, including in this case. I will leave it to MLB officials to provide any further comment as they see fit.“

ElAttrache performed surgery on McGregor in July 2021, inserting a rod, plates and screws into his left leg after the fighter broke his tibia and fibula during a bout against Dustin Poirier in Las Vegas.

McGregor’s recovery was lengthy and arduous. ElAttrache told the New York Times that while he did not prescribe steroids for McGregor, he referred him to a specialist who did. Furthermore, ElAttrache wrote a letter supporting McGregor’s request for a therapeutic use exemption from UFC drug policies.

“I felt it would be appropriate to consult other physicians with expertise in bone healing/bone metabolism,” ElAttrache told the paper via text. “I recommended the consultations but not the course of treatment.”

ElAttrache said he told McGregor to check with UFC drug testers about prescriptions the consultant gave him. “I purposely wasn’t involved with his evaluation by the consultant nor with prescribing medication,” ElAttrache said.

The exemption request was denied by USADA (the drug testing organization the UFC used then), triggering a split between the two organizations. McGregor withdrew from the UFC anti-doping program shortly thereafter and was no longer required to undergo testing for banned substances.

ElAttrache, operating primarily out of the Cedars-Sinai Kerlan-Jobe Orthopaedic Clinic in Los Angeles, has performed elbow or shoulder surgeries on prominent current and former Dodgers including Shohei Ohtani, Clayton Kershaw, Tony Gonsolin and Walker Buehler as well as former Rams stars Cooper Kupp and Cam Akers.

Among the hundreds of surgeries performed over three decades by ElAttrache, his patients included the four 2024 MLB Most Valuable Player and Cy Young Award winners — Ohtani, Aaron Judge, Chris Sale and Tarik Skubal. ElAttrache’s patients include 18 of 29 players who won the MVP or Cy Young awards over the last 10 years.

Other prominent athletes who became his patients include former Lakers legend Kobe Bryant and star NFL quarterbacks Tom Brady, Aaron Rodgers and Joe Burrow.

ElAttrache was a boxer long before he became a renowned surgeon and team physician. He attended Notre Dame, where organized boxing was first introduced by Knute Rockne as a conditioning program in the 1930s. An intramural tournament known as the Bengal Bouts was formed and decades later ElAttrache became a champion, winning the 185-pound division in 1978.

Before world lightweight boxing champion Vasiliy Lomachenko returned from shoulder surgery to defend his title in 2019, ElAttrache counseled him against using his left hook because he wasn’t mentally ready to do so.

“When that arm goes into that position, the brain remembers that was the position where that dislocation occurred,” ElAttrache told the Los Angeles Times at the time. “It takes time to overcome that apprehension.”

It has taken McGregor five years since his injury to return to the octagon. He is scheduled to do so July 11 in a welterweight bout against Max Holloway at UFC 329 in Las Vegas as the main event of International Fight Week.

His recovery and startling physical transformation hardly a year after his injury became a frequent topic on social media. Fellow UFC fighter Anthony Smith said on Michael Bisping’s “Believe You Me” podcast in November 2022 that the reason McGregor pulled out of the UFC drug testing pool was obvious.

“There’s only one reason you would do that,” Smith said. “He’s looking jacked as s—. You keep seeing videos of him flexing in front of mirrors and screaming and he’s huge. He healed really fast. Like, really fast.”

On his show in December 2022, podcast host Joe Rogan noted McGregor’s impressive physique and the USADA testing loophole.

ElAttrache told the New York Times that he stopped treating McGregor after steering the fighter to someone who could obtain banned substances.

“I purposely wasn’t involved with his evaluation by the consultant nor with prescribing medication,” ElAttrache told the Times. He said “expert opinions” could help McGregor and “optimize his chance of solid union and healing of his fractures.”

Seeking the exemption, however, was viewed by USADA and some UFC officials as McGregor trying to find a way to use banned drugs. McGregor re-entered the drug-testing pool on Oct. 8, 2023, the same day UFC notified USADA that it would end the partnership.

Because McGregor had long been suspected of taking banned substances to revive his career, the mixed martial arts community reacted to the New York Times investigation with a measure of closure.

“OK, it’s confirmed now,” co-host Conner Burks on the popular MMA podcast “The Boys in the Back” said. “None of this came as a massive shock to me.”

“It seemed like the worst kept secret in combat sports,” co-host Eric Jackman said.

In a written response to a question posed by the New York Times, McGregor’s manager, Audie Attar, did not say whether McGregor had used banned substances. He said that “even with surgery there was a real risk Conor might not walk again, a high likelihood he would face numerous lifelong side effects that would limit his mobility and serious doubts he would ever return to the octagon.”

Attar said McGregor withdrew from the UFC drug-testing pool “to focus fully on his recovery” under the care of “his team of world-renowned physicians.”

“They oversaw a combination of a gruesome surgery, intense physical therapy and appropriately prescribed medicines,” Attar said. “It is an unfathomable breach of health and privacy protections that my client’s purported personal medical records would be disclosed.”

McGregor attempted to return to fighting in June 2024, but a scheduled bout against Michael Chandler was canceled because McGregor broke a toe during training.

Combat Sports Anti-Doping officials were unable to locate McGregor for testing on the day the fight was canceled, and he missed tests on two subsequent occasions. Under the UFC Whereabouts Policy, the three failures constituted an anti-doping violation equivalent to a failed drug test.

The UFC suspended McGregor in October 2025 for 18 months because of testing violations. The suspension expired in June, clearing him to compete.

Times staff writers Bill Shaikin, Sam Farmer and Gary Klein contributed to this report.

Travel operator has spoken out on its family rules as Ryanair is facing an investigation over allegations it charges parents to sit alongside their children on flights

Holiday firm and airline TUI has outlined a crucial rule surrounding seat bookings – as the Competition and Markets Authority (CMA) opened an investigation into competitor Ryanair. Ryanair is facing scrutiny over its practice of charging parents to sit alongside their children on flights.

The competition watchdog, the Competition and Markets Authority (CMA), confirmed it will assess whether the approach is “in line with consumer law”. The airline branded the investigation as “bogus” and a “failed effort by the Starmer Government to pretend it cares about consumers”.

Ryanair mandates that parents flying with children aged between two and 11 must pay to reserve what it calls a mandatory family seat. Their children are subsequently assigned seats next to or close to them at no additional cost.

The charge for a mandatory family seat typically stands at around £8 each way, according to the CMA. As the story emerged, one TUI customer turned to X to question how it was possible that his wife was being charged to reserve a particular seat – and that their son might end up seated separately from her.

The person said: “@TUIUK tried to charge my wife 25 pound and said it may be the case that my five year old is sat on his own.”

TUI replied: “If your wife needs any assistance with her booking, please ask her to send us a direct message with the booking details so we can take a look for her.”

The individual then stated: “Don’t need assistance as it is booked, just frustrating she felt pressured to pay that when it isn’t the case that a five year old will be sat on his own.”

The TUI operative then clarified that they cannot guarantee the child will be seated directly beside the parent, explaining: “Please be reassured that children under 12 will always be seated with at least one adult from your booking, this may be directly next to them, across the aisle, or directly in front / behind, depending on the aircraft configuration and availability at check-in. Katy”.

The father responded: “So you would leave a 3 year old sat behind their parent?”.

According to TUI’s terms and conditions: “If you’re flying with TUI Airways and there’s a child under the age of 12 on your booking, we’ll make sure they’re seated with at least one adult in your party. If you’d like to make sure everyone sits together, we recommend reserving seats when you book, or adding them later in Manage My Booking.

“If you don’t use our Select Your Seat service, your seats will be automatically allocated when you check in online.”

Booking a TUI seat costs anywhere from £12 to over £90 per passenger, each way, depending on the destination, flight duration, and seat category. Standard seats are priced between £12 and £45, while upgrades such as Extra Legroom or Premium Seating carry higher charges.

Without paying, seats are assigned automatically at no cost during check-in. Following the previous query, TUI clarified: “Hi there, its lovely to hear from you. As katy explained a child can be seated row directly in front, behind, or across the aisle if under 12 years old and hasn’t purchased select your seats but the team on the flight will be on flight to assist fully. Laura.”

Ryanair is facing an investigation over allegations it charges parents to sit alongside their children on flights.

Children under two are required to sit on their parent’s lap on Ryanair flights. For other passengers, paying to reserve a seat remains optional.

The CMA confirmed it is examining whether Ryanair’s policy means “parents are being charged for the airline to meet its child safety and disability-related obligations as set out under aviation rules”.

Ryanair is “the only major airline flying out of the UK to impose this charge”, the watchdog stated.

Other airlines allow children to be seated next to a parent without requiring a paid adult reservation, or automatically assign seats together during the booking process, the CMA noted.

The probe will also look at whether Ryanair’s compulsory family seat charge is dripped during the booking process — when a company fails to show customers all unavoidable costs upfront.

The CMA stressed it is at the early stages of its investigation and has “reached no conclusions about whether Ryanair has broken the law”. Hayley Fletcher, senior director of consumer protection at the CMA, said: “Lots of families save up to afford a summer holiday and we know that extra charges can quickly bump up the price.

“Our investigation will consider Ryanair’s approach to family seat reservations and how the cost is presented to consumers, to determine whether they comply with consumer law.

“For the past year, we’ve told businesses to ensure their customers are shown the total price upfront – those who don’t face the very real possibility of action from the CMA.”

Rory Boland, editor of consumer magazine Which? Travel, said: “Ryanair doesn’t have to wait for the outcome of the CMA’s investigation. It could stop charging these unreasonable fees today and we would encourage them to do that.”

Ryanair issued a statement saying: “Ryanair’s family seating policy fully complies with all relevant laws and regulations, and saves families money when travelling on the UK’s lowest fare airline.”

The airline insisted it “does not charge any fee for children to sit beside their parent”, and “parents travelling with children pay for only one (adult) reserved seat”.

It went on to say: “This bogus CMA investigation is a failed effort by the Starmer Government to pretend it cares about consumers when it has failed to abolish APD (air passenger duty) which would immediately deliver lower fares for all consumers and growth for the UK aviation, tourism and wider economy.

“Ryanair looks forward to disproving these false CMA claims.”

The CMA is an independent non-ministerial Government department, funded by the Treasury.

DC Studios co-chief James Gunn took to social media Monday to settle a debate once and for all: Of course, Supergirl can have pierced ears.

“Supergirl,” the upcoming superhero film starring Milly Alcock as the last daughter of Krypton, Kara Zor-El, has been the target of questioning from online detractors. One overblown gripe that some have mentioned on social media after zeroing in on Supergirl’s earlobes in promotional images is how a superpowered alien refugee known for her invulnerability and unbreakable skin could have any body jewelry.

“As explained in Superman, the same way she gets drunk — she goes to a planet with a red sun,” Gunn wrote on Threads. “Not to mention she was raised on a chunk of Krypton so didn’t even experience super powers until her teens.”

As the filmmaker mentions, Alcock’s iteration of Kara made her DC Universe debut in his 2025 movie, “Superman.” After the clearly inebriated Girl of Steel crashes into her cousin’s Fortress of Solitude to pick up her dog, Krypto, Superman notes that Kara “likes to go and party on other planets … with red suns.” This is because, as Superman explains, Kryptonians have enhanced power on Earth because of its yellow sun. This is also Kryptonian lore that has been established in comic books.

A recently released “Supergirl” clip also shows Superman first meeting his cousin after her pod lands on Earth. The footage shows Kara’s superpowers kicking in for the first time.

Directed by Craig Gillespie, “Supergirl” will follow the eponymous Kryptonian as she is celebrating her 23rd birthday. According to the film’s logline, Kara’s encounter with “an unexpected and ruthless adversary” leads her to “reluctantly join forces with an unlikely companion on an epic, interstellar journey of vengeance and justice.”

The movie’s cast also includes Matthias Schoenaerts, Eve Ridley, David Krumholtz, Emily Beecham, David Corenswet and Jason Momoa. “Supergirl” will hit theaters June 26.

Realising his vision for photo, though, was not so straight-forward.

Yarrow had to navigate the packed schedule of Norway captain and Premier League champion Martin Odegaard – who was in Budapest with Arsenal for the Champions League final on the day of the squad shoot.

After the parade had left north London, Odegaard joined Yarrow for a solo shoot, and the cloudy conditions matched those of the original shoot – meaning his figure could be added in without too much fuss.

But it was crucial to Yarrow that Odegaard and his title rival Haaland did not steal the show.

“The one thing that was important about that picture is if, in the Norwegian squad, you’ve got someone that’s worth £200m and then you’ve got Watford’s goalkeeper [Egil Selvik] that’s worth £250,000, the third-in-line goalie – that they both occupy the same amount of the frame,” Yarrow told BBC Sport.

“That’s very important for me.

“That is was not seen to be Haaland and Odegaard and 24 others – it was important to foster a sense of team.”

Yarrow was a guest of Norway as the side beat Sweden 3-1 in a warm-up friendly on Monday, with goals by Jorgen Strand Larsen and Antonio Nusa.

He was struck by the breadth of talent in the Norway team.

“People think it’s a team of two people and it’s so not,” said Yarrow, who was born in Glasgow.

“It’s a seriously good football team, from their wingers to their backs, and I think they’ll go quite far in the tournament.

“But, like Scotland – they’ve got to win their first game.”

Martin Lewis set out some of his top picks

Consumer expert Martin Lewis has shared some tips for your holiday spending while you are abroad. He shared the key advice during his BBC podcast.

During a question and answer edition of the podcast, a query came in from a mum whose 18-year-old son is heading off on a lads’ holiday. She asked what the best spending card would be for him to take along, or whether she should simply give him cash instead. She explained that she was reluctant to give him a credit card as she wasn’t confident he would use it responsibly. However, the accommodation where he was staying required a £300 credit card deposit.

Top recommendation

In response, Mr Lewis said his top recommendation for cards she could consider was Chase. He explained: “Technically you have to open a bank account to get it, but you don’t need to switch bank account.

“The Chase bank account is available for anyone aged 18 or older. It’s openable via an app. So effectively you can open this up, you put money in it that you want to spend and it gives you the same near-perfect rate that the bank gets when you spend, because it doesn’t add a non-sterling exchange rate fee.

“So I think that’s a really simple option. It’s a debit card, it doesn’t have an overdraft facility. It doesn’t do a hard credit check, it just does an ID check and it doesn’t affect his credit-worthiness.”

Another card he recommended was the Revolut pre-payment card, where you load the card with the amount you wish to spend. Regarding the credit card deposit for accommodation, Mr Lewis said this is a common requirement, frequently being necessary when hiring a car abroad too.

He explained that if a deposit needs to be paid on a credit card, this could prove tricky for an 18 year old as they may not pass the credit check. Mr Lewis suggested that perhaps the mum could contact the company and pay the deposit on her son’s behalf.

Big danger

Mr Lewis issued an additional warning for young holidaymakers. He said: “One of the biggest dangers for finances and young people is drinking. The problem when we drink is we lose all our sense of control.

“So it’s very difficult what you advise young people. Do you tell them take cash out so you’ve only got the amount you can spend on that day. That keeps you to a budget.

“But then it does wrong, they haven’t got any money left and they can’t get back to where they need to go, which can be dangerous.

“Or do you have a card that has an unlimited spending facility on it. It’s quite a difficult one at that age. The best thing is to be sensible and not drink too much.”

You won’t even see the fees being added

Most holidaymakers assume using their normal bank card abroad is fine. But Martin Lewis says a simple switch to a specialist card could save you from paying an extra 2.75% to 3% on every single purchase – a hidden fee that quietly adds to your bill without you even noticing.

In a clip shared on This Morning’s official TikTok, the MoneySavingExpert founder explained how most high street banks add a “non-sterling exchange rate fee” when you spend abroad. Ignore it and a £100 purchase effectively costs you £103. Switch to one of the specialist cards he recommends, and you get the same near-perfect exchange rates the banks use – without the markup.

Martin started by explaining what happens when you spend on plastic overseas. “Your bank gets a near perfect exchange rate on the day – the same as what’s called the spot rate, the city market rates. When you spend on your card abroad though, normally the card company adds what’s called a non-Sterling exchange rate fee of between 2.75 or 3%,” he said. “So your hundred pounds worth of euros cost you £103.”

The solution, he explained, is using specialist cards. “With the specialist cards, they don’t have that. So you get the same near perfect exchange rates that the banks or the card firms do.”

As for which cards to choose, Martin noted there are quite a lot available now. He judges them on the cashback they give you. The Barclaycard Rewards credit card is currently giving 0.25% cash back on spending in the UK and abroad. “So you get perfect exchange rate and cashback,” he said.

He added a crucial warning for anyone using a credit card: “Only do this if you’ll pay it off in full at the end of every month, or there is interest. That will credit score you to get it.”

For those who prefer a debit card or don’t want to undergo a hard credit check, Martin offered two alternatives. “The easiest one to get is the Chase card, which you can apply for without switching banks and only does a soft credit check, so it doesn’t mark your credit file, and virtually everybody can get it,” he said. It offers near-perfect exchange rates, no ATM withdrawal fees, and some cashback on UK spending.

Alternatively, for those willing to switch banks: “First Direct, if you’re willing to switch bank to it, will give you a near perfect exchange rate fee debit card and pay you £175 quid if you switch bank to it.”

A spokesperson for travel experts Lapland Famille said: “When spending abroad, choosing the right payment method makes a real difference. Specialist cards often work out far cheaper than standard bank cards. And if you’re ever asked to pay in pounds or the local currency, always choose the local currency – paying in cash locally is another good way to avoid hidden conversion fees.”

With no need to switch your main bank account for the easiest option, Martin’s advice shows that cutting the cost of spending abroad may be simpler than many travellers think – as long as you pick the right card before you go.