Buying Credits and Builders Club

[Plebings]

this is just to let people know if they buy credits the best (legit!!) ways to buy them.

if you're in the uk like me, you might be fancy trying to buy as a habbo from a different country (there is an option on the credits page top right). most uk banks charge you for international purchases. you can check this page (http://www.which.co.uk/money/bank-accounts/reviews-ns/bank-accounts/charges-to-use-your-debit-card-abroad/) for the purchase fee rates (though might not be up to date).

my bank charges me 2.75% or £1 minimum, so even with the extra cost it still ends up cheaper buying from the canadian or australian page.

this is to buy 225c by the way.

UK - £15.49
Global/US - £14 (US option goes to 245c, global is 225c, both use $ but you can buy via paypal with global)
Canada - £10.76 + £1ish purchase fee
EU - £14 + £1ish purchase fee
Singapore - £13 + £1ish purchase fee
Australia - £10.76 + £1ish purchase fee

basically if you tend to buy big bulks rather than small £3 purchases and stick to using GB, you might be losing out on some extra creds!

also note to anyone who buys builders club directly, it is much more useful and cheaper to buy credits first and then purchase builders club from the catalogue, unless you really like the increase in limit.

don't judge me.

[lawrawrrr]

oooh this is useful!! I always use the US one because a while ago it was so much cheaper, I've never really thought about the other options!

+rep for useful guide as I know a lot of people buy builders club and might not be getting the best deal :D


ps you're totally sad for going and figuring this all out I love you

[Hannah]

Ah! I may have to look into my bank charges. It'd be nice to save some pennies.

[lemons]

u suggested this to me ages ago and i did it and was going to make article about this but didnt know where to start

[Kyle]

there's a double credit deal coming up so hold off for now x

[Plebings]

oo exciting x

[Matt]

Yeah the UK page sounds expensive. Nice guide though & saves some UK people a bit of money.

[Cerinacy]

Thanks for the useful guide.

[Danny]

I tried buying via Canadian option and it failed?

[Plebings]

gonna bump this with new figures from the increase!

current UK prices:
20c - £2
40c - £4
55c - £6 (???? why is it cheaper to buy 20c + 40c than this)
110c - £11
225 - £21
590 - £50

i've always found it cheaper to buy through the canadian dollar, because they're not doing too swell at the moment.

20c - 3 CAD (£1.82)
33c - 5 CAD (£3.03)
55 - 7 CAD (£4.25)
110 - 13 CAD (£7.89)
225 - 25 CAD (£15.17)
590 - 65 CAD (£39.44)

so before thinking of international fees this is the saving you're making

20c - £0.18
55c - £1.75
110 - £3.11
225 - £5.83
590 - £10.56

you can use paypal with the canadian option, and they charge around 4% of the total purchase + around 20p. or if you have paypal funds already they charge about a quarter/half of that. check out the fee table here. (https://www.paypal.com/uk/webapps/mpp/cross-border-and-conversion-fees#currencyconversion) also check out your current bank fees from link in first post to see whether its worth just paying by card.

so imagine buying 225c, it would either be:
£21 UK price
or
25 CAD (£15.17) + 20p (fixed fee) + 60p (which is 4%) = £15.97, still £5 less than the current UK price.

if you use phone to pay though you're screwed, soz.

[Imogen21702]

Im from Australia so would it be better to buy by Canada or Australia?

[Plebings]

Im from Australia so would it be better to buy by Canada or Australia?

you'll need a debit/credit card or paypal account, and then would have to check the international fees, but i reckon you'd save about 8 aud if you bought 225c