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A new £20 coin for £20 available at Royal Mint – good for hitting card spend targets

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The Royal Mint, at the end of October, will launch this rather snazzy £20 coin featuring St George and the dragon.

Why do I mention this on Head for Points? Well:

The £20 coins are being sold for £20

Postage is free when you buy the maximum number of three

They are full legal tender and can be paid into any bank

EDIT: As per comments below, it seems you CAN now use Amex on the UK Royal Mint site even though the logo does not appear on the initial payment page

We have looked at Royal Mint deals before.

Historically, whilst Amex is not accepted, you could do it by selecting ‘United States’ as your country of residence – which brings up the Amex option – and then changing your address back to UK. However, this product is blocked for overseas sales.

Your options here are very limited, unfortunately.

You cannot use 3V cards because you cannot get a £25 balance. You would need to pay the £1.75 transaction fee to merge together 3V cards, which costs money.

All you can do, therefore, is use a Visa or MasterCard where you are trying to hit a spending target. Assuming they let you mix billing and delivery addresses, you could send £60-worth to various households in your family, on your credit card.

(If you had, say, the old BMI MasterCard paying 2.5 Avios per £1, you may also think it is worth ordering £60-worth to get 150 free Avios. Personally, though, I wouldn’t.)

This is probably not worth the trouble, unless you are really struggling to hit a Visa or MasterCard spend target. However, it is worth being familiar with it as an example of what can be done to manufacture spending.

Comments (11)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • John says:

    I’m quite skeptical of this given that the silver content is worth about £7, but Canadian and American $20 coins have only $7 of silver and seem to sell for $30 when they have become suitably rare.

  • Tom H says:

    I managed to pay for mine with Amex by changing the country again as with the 50p offer earlier in the year, so it is possible.

  • Rich says:

    I tried depositing some of the 2012 countdown £5 coins into my bank account but was told by 2 separate banks that I couldn’t do so.

    Guidelines from royal mint (below) suggest it’s pretty much hit or miss.

    “Most people would not wish to exchange a crown piece, but in recognition of the fact that some people may wish to do so, some banks will allow crowns to be deposited into bank accounts. However, please note that whilst the coins are legal tender, banks are not obliged to accept the coins. Policies on accepting crowns do vary, therefore it is advisable to check with your bank in advance.”

  • Andrew says:

    I bought three of these on Saturday. It let me pay with an Amex without any messing about with changing countries (I’m from the UK)

  • David Sigley says:

    I remember having loads of hassle with the £5 Olympic-themed coins from the Royal Mint. The banks I tried to deposit them with wouldn’t take them. The easiest way I could find to use them was for buying goods at the Post Office which seems to work okay an I think the Royal Mint website says something to this effect.

    • pazza2000 says:

      I sure had a nightmare with these also, which has wholly put me off doing anything similar again.
      No post office would except the £5 coin, nor would any of local bank branches at first, took a 6th attempt.

  • dmito says:

    I can’t get AMEX to stay with a UK delivery. it shows amex when I select usa delivery. I get to billing and see amex and enter details and switch billing to UK. I then click on delivery and change to UK. when I go back to payment, amex is no longer an option. any help please???

  • jane says:

    I would assume that you can pay them into bank accounts at the post office. The post office usually complains when I want to change up my coins following the annual pre-holiday emptying of my giant whisky bottle but when I try to pay them into my Smile account they are fine with it for some reason.

  • Trevor says:

    Given the fiasco with the last order of Olympic coins:

    1. Order being partially cancelled
    2. Such a long delay in delivery that I had moved and battled to get them at all
    3. Charges only going through at order completion when I’d already met my spend target
    4. Charges being so little in the first place and then even less after partial cancellation by Royal Mint that the entire process was pointless

    … along with banks/shops not necessarily even accepting these, it’s way more effort than it’s worth and I’ll therefore give it a very wide berth! There are other ways to manufacture spend in much greater quantities and with much more ease.

    • Simon says:

      I made 4 orders for those Olympic coins using 3v cards (before I knew about NS&I), luckily for me 3v declined 3 of the orders.

      What a hassle they were to open and they came in so much packaging, I recycled what I could of it …. all for a few points, a far cry from the person who earned 4 million AAdvantage points from buying dollar coins!

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