Travel Smart

Spend abroad like you do in the UK

  • Use your card abroad to pay or withdraw cash and you won’t pay our foreign exchange fees.
  • Add it before you go for £7 a week and see how much you could save.
  • Use for up to six weeks a year on single or multiple trips.

Travel Smart only applies to our charges. You may still have to pay separate charges for currency conversion if you ask the overseas service provider to do this.

For example, if you choose to pay with your card in Pounds Sterling, you may incur a currency conversion charge by the overseas provider.

How to do it

How to do it

We'll take it step by step.

    1. Log in and select more actions followed by Account Information and Benefits.
    2. Scroll down and select Travel Smart.
    3. Select continue then select the account you want to add Travel Smart to.
    4. Add your trip name and select your start date.
    5. Select the number of weeks you want to add Travel Smart for from the drop down.
    6. Select Review and then check your order details.
    7. Accept our terms and conditions then select Confirm and add now.
  1. Log in, select the more menu followed by Travel.
  2. Select Add Travel Smart.
  3. Add your trip name and select your start date.
  4. Select the number of weeks you want to add Travel Smart for from the drop down.
  5. Select Review and then check your order details.
  6. Accept our terms and conditions then select Confirm and add now.

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Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications. 
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A look at the details

  • Full payment will be taken on your start date and shown on your statement.

    If you’ve opted in, you’ll get a push notification before you travel so you know when Travel Smart is due to start. You can manage your push notification settings in the app. If you don’t get push notifications, we’ll send you a text message. You can keep your mobile number up to date in the app.

    Please check there’s enough money in your account to cover the payment. If we can’t take the payment due to insufficient funds, Travel Smart will get cancelled.

    When it starts and ends

    It starts on the date you select at 00.01am UK time. It ends at 11:59pm UK time on the last day of your week(s).

  • Our debit card fees

    There are different types of debit card fees that you may have to pay without Travel Smart active on your account.

    Understanding my savings

    The savings you could make could depend on how you use your debit card while you are abroad. We charge different fees for transactions in Euro inside the EEA to the rest of the world.

    These include:

    • foreign currency transaction fee (2.99%)
    • foreign currency purchase fee (£0.50)*
    • foreign currency cash fee (£1.50)
    • foreign cash fee (£1.50).

    *Does not apply to Platinum and Premier. This fee does not apply to debit card purchases in Euro inside the EEA.

    The foreign currency cash fee and foreign cash fee do not apply when you take out Euro inside the EEA. EEA means the European Economic Area.
     

    An example of how much you could save by not paying these fees:

    If you spend £20 once a day for a week while overseas it could cost you a total of £4.19 in Europe and £7.69 in the rest of the world.

    If you also withdraw £200 once during the week while overseas, this could cost you an additional £5.98 in Europe and £7.48 in the rest of the world.

    The fees for UK accounts (excl Platinum and Premier) in this example (£20 spend a day for one week and £200 withdrawal):

    • Total fees without Travel Smart = £10.17 (Europe) or £15.17 (rest of the world).
    • Total fees with Travel Smart = £7 (Europe) and £7 (rest of the world).

    The fees for Platinum and Premier accounts in this example (£20 spend a day for one week and £200 withdrawal):

    • Total fees without Travel Smart = £10.17 (Europe) or £11.67 (rest of the world).
    • Total fees with Travel Smart  = £7 (Europe) and £7 (rest of the world).
  • Understanding my weeks

    Each year, you can add up to six weeks of Travel Smart to your account. This limit is applied from 1 January 00.01am UK time and resets on 31 December at 11.59pm. Unused weeks do not carry over.

    How to use my weeks

    Each time you book a trip, you can add one or more weeks to your account (up to six).

    Track my weeks

    We show you a summary of your trips and how many weeks you’ve booked, including any upcoming weeks.

  • Once Travel Smart is added, you can use your debit card to:

    • Make payments with your debit card abroad
    • Take out money in a foreign currency or sterling at an ATM or over the counter, outside the UK, Channel Islands or Isle of Man.
    • Make payments in a foreign currency for your trip over the internet (such as booking an activity). You won’t have to pay our normal debit card fees unless the transaction is excluded. Instead, we will charge you a fixed fee, for the number of weeks you choose no matter how many transactions you make with Travel Smart.
    • Any business transactions are excluded from this service and our normal debit card fees will apply.
    • Travel Smart only applies to our charges. You may still have to pay separate charges for currency conversion if you ask the overseas service provider to do this.
    • For example, if you choose to pay with your card in Pounds Sterling, you may incur a currency conversion charge by the overseas provider. Also some ATM providers may charge a fee.
  • You can remove Travel Smart until 11:59pm on the day before your start date. You can do this through our app and Internet Banking. If you have a joint account, either of you can do this.

    If you’re within your 14 day cancellation period, you can still remove Travel Smart after it starts. This period starts on the day you get your terms and conditions. You’ll get a refund for any weeks you’ve paid for but can’t use (please refer to your terms and conditions).

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