Tip #1

Get to know the charges for using your debit card abroad

You’ll be charged two fees on every purchase.

Non-sterling transaction fee
A percentage of the cost, added to each purchase you make.

Non-sterling purchase fee
A flat fee, so no matter the cost of your purchase, you’ll be charged the same amount.  So you decide when to pay with your Bank of Scotland Visa debit card or when to pay with your foreign currency.

Tip #2

Know the cost of using your card abroad

If you purchased four entry tickets to a water park worth £100, you’d pay a £2.99 (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £103.49.

For drinks and snacks worth £30, you’d pay a 90p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £31.40.

For two coffees worth £4, you’d pay 12p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £4.62.

Or for lunch on the beach worth £10 you’d pay 30p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £10.80.

Take a look at a full costs breakdown.

Tip #3

Withdrawing cash in a foreign country, may cost you more

It’s useful to know that paying with your Bank of Scotland Visa debit card is usually cheaper than using it to withdraw money from an overseas ATM*.

If you take out cash with your debit card you will be charged fees, which may be higher than when paying with your card.

If you do decide to withdraw cash, it’s worth just checking the overseas ATM withdrawal limit so you know how much you can take out before attempting to withdraw any cash.

Platinum or Premier customer?


Did you know that as a Platinum or Premier customer, you won’t be charged a purchase fee, except at an overseas ATM?

Have a look at a full costs breakdown.

Tip #4

Choose local currency when paying on card

You may be asked if you want to pay in sterling or local currency when you're paying for something on your Bank of Scotland Visa debit card. We recommend you always choose local currency, as it will help you avoid paying local currency conversion charges, which can be more expensive.

Tip #5

Avoid having foreign currency left over

It’s handy to have some foreign currency to pay for ice creams and drinks when you’re abroad, but for many, especially if you’re going all inclusive, you probably won’t need as much as you think. The temptation is if you’ve got it, you’ll end up spending it at the airport on things you really don’t need.

Top tip is avoid exchanging currency while you’re at the airport or abroad because they often have higher exchange rates and can carry commission fees.

Tip #6

Check your contact details

Make sure we have the right phone number and email address for you in case we need to get in touch about your account. You can update your details in branch.

Going abroad? You no longer need to tell us


Our fraud and security systems are always on the lookout for suspicious activity on your accounts, so you can relax while you’re away from home.

Tip #7

Keep your money safe

If you do decide to withdraw cash in a foreign country, use ATMs with the Visa logo, in well-lit and busy areas, preferably attached to established banks.

Don’t carry around lots of foreign currency with you – use your hotel safe and just take out what you need each day. Your Bank of Scotland Visa debit card is much easier to carry around and you have the same protection as you do at home.

Tip #8

Keep our 24/7 emergency numbers handy

If your Bank of Scotland Visa debit card is lost or stolen while you’re abroad call us on:
+44 131 454 1605

If your Bank of Scotland Visa debit card is declined, there are transactions you don’t recognise, or you need a new PIN call:
+44 173 357 4121

These calls will be charged at the telephone service provider’s published tariff.

Tip #9

Download the mobile banking app

Use the Bank of Scotland app to keep a check of your holiday spending while you’re away. Remember, only log on while you’re on a secure WiFi connection to avoid roaming charges from your phone provider. Find out more information about the Bank of Scotland app and how to download it.