Mastercard is free for shopping in supermarkets and shopping malls, and it is also free for online shopping. If you want to withdraw cash, you will be charged. If you are coming to study in the UK, you can get a domestic credit card and bring one with you. Bring the money order, apply for a local bank card, and deposit the money from the money order. The money order should be the method with the lowest handling fee. Although there is no handling fee for credit card swiping, withdrawing cash is very expensive