"Account Management fee (applied every month if there have been no transactions, card loads or balance switches, in the previous 12 months) 2.00" is stated at https://www.caxtonfx.com/cards/legal/terms-and-conditions/caxton-mastercard-prepaid-card
I've never thought these cards were worth having when there are current accounts with no charges for overseas transaction or ATM withdrawals such as my Virgin (formerly Clydesdale) account or the Starling account. There are also a number of credit cards that allow purchases with no currency transaction fees e.g. Santander Zero, Halifax Clarity, Virgin, jaja (old Bank of Ireland Post Office) and some Barclaycards.
Latest recommendations here https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/ - also has recommendations for debit cards, some linked to current accounts. If you don't want to use your main account overseas just open a secondary account as MSE recommends. You won't get hit with these inactivity fees and if you open one like the Virgin current account you can get a little bit of interest on money you put in there if saving up for a trip.
Thanks wessie - you know I had searched and looked but must have looked straight through it - probably looking for 'adjustment' or 'dormancy' and skimming over the rest of it ...... Not sure if these were the original T&Cs or if they have been modified. But clearly I had never had to go a year without travel before and thus never encountered this issue.
Agreed - I have a couple of no charge or mark up cards, both Credit and debit. I only really used the Caxton to load up and get out some cash in country.
I'll check it out and see if any of my other accounts can link in or if I can set up a secondary account as the way ahead. All that said, it might be worth others checking to make sure they re not being charged and they are unaware of it.