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Using your cards abroad
Take your Bank of Scotland debit and credit cards with you, for a convenient way to spend abroad.
Check if you're fee-free
Top tips for using your card abroad
Thinking of using your card abroad
Here you can select the type of card you're thinking of taking, and see more about using it while abroad. You can also find out about any fees you may be charged.
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Table showing debit card fees and charges Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
All other debit cards, Cashpoint® card - Euros within EEA or UK
All other debit cards - other
Cashpoint® card - other
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards, Cashpoint® card - Euros within EEA or UK
2.99%
All other debit cards - other
2.99%
Cashpoint® card - other
2.99%
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards, Cashpoint® card - Euros within EEA or UK
Nil
All other debit cards - other
£0.50
Cashpoint® card - other
N/A
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards, Cashpoint® card - Euros within EEA or UK
Nil
All other debit cards - other
£1.50
Cashpoint® card - other
£1.50
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards, Cashpoint® card - Euros within EEA or UK
Nil
All other debit cards - other
£1.50
Cashpoint® card - other
£1.50
If you ask the cash machine or terminal provider to do the currency conversion, we won’t charge the foreign currency purchase fee, the foreign currency transaction fee or the foreign cash fee where you are withdrawing cash in a foreign currency in the UK. The provider of the currency conversion may charge you.
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Bank of Scotland debit card and assumes you allow us to convert the transaction from foreign currency.
The exchange rates used were the applicable rates for transactions processed on 02 June 2025.
Compare the cost of spending or withdrawing €100 outside the UK using our debit cards Purchase
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
All other debit cards
Cashpoint® card
Purchase
Original transaction
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
€100
All other debit cards
€100
Cashpoint® card
N/A
Purchase
Payment scheme exchange rate
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
1.18496
All other debit cards
1.18496
Cashpoint® card
N/A
Purchase
Conversion to pounds
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
£84.39
All other debit cards
£84.39
Cashpoint® card
N/A
Purchase
Foreign currency transaction fee
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards
£2.52 (2.99%)
Cashpoint® card
N/A
Purchase
Foreign currency purchase fee^
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards
£0.50
Cashpoint® card
N/A
Purchase
Final statement amount
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
£84.39
All other debit cards
£87.41
Cashpoint® card
N/A
Cash Withdrawal
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
All other debit cards
Cashpoint® card
Cash Withdrawal
Original transaction
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
€100
All other debit cards
€100
Cashpoint® card
€100
Cash Withdrawal
Payment scheme exchange rate
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
1.18496
All other debit cards
1.18496
Cashpoint® card
1.18496
Cash Withdrawal
Conversion to pounds
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
£84.39
All other debit cards
£84.39
Cashpoint® card
£84.39
Cash Withdrawal
Foreign currency transaction fee
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards
£2.52 (2.99%)
Cashpoint® card
£2.52 (2.99%)
Cash Withdrawal
Foreign currency cash fee^
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
Nil
All other debit cards
£1.50
Cashpoint® card
£1.50
Cash Withdrawal
Final statement amount
Silver, Gold, Platinum, Premier or Ultimate Reward debit cards
£84.39
All other debit cards
£88.41
Cashpoint® card
£88.41
^For debit card transactions in Euro within the EEA or UK, we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
We’ve created some guidance to help you see our foreign currency charges, shown as percentage mark-ups against the European Central Bank (ECB) rates. You can use these to compare with other foreign currency providers.
For information on other banking charges, please refer to your account terms and conditions.
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Credit card details Credit cards
Credit cards
Foreign currency purchase fee
2.95%
Credit cards
Cash fee (also applicable for pounds withdrawals)
5%
Interest will be charged differently dependent on whether you have made a purchase or withdrawn cash. Please check your account terms for more information.
Compare the cost of spending or withdrawing €100 outside the UK using our credit cards*.
Credit card details Credit cards
Purchase
Cash withdrawal**
Credit cards
Original transaction
Purchase
€100
Cash withdrawal**
€100
Credit cards
Payment scheme exchange rate
Purchase
1.18496
Cash withdrawal**
1.18496
Credit cards
Conversion to pounds
Purchase
£84.39
Cash withdrawal**
£84.39
Credit cards
Foreign currency purchase fee
Purchase
£2.49 (2.95%)
Cash withdrawal**
This fee does not apply to credit cards
Credit cards
Cash fee
Purchase
N/A
Cash withdrawal**
£4.22 (5%)
Credit cards
Final statement amount
Purchase
£86.88
Cash withdrawal**
£91.10
*The exchange rates used were the applicable rates for transactions processed on 02 June 2025.
**This example assumes you allow us to convert the transaction from foreign currency to sterling. If you choose to allow the provider to convert the transaction to sterling, they may make a separate charge for conversion.
Pay like a local
When using your card abroad, paying in the local currency is usually the cheaper option, as the exchange rate offered by the retailer is often less favourable than those offered by Visa or Mastercard.
Helping you compare our credit card currency charges with other providers
You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.
Your Credit Card foreign currency transaction fee mark up over the ECB rate.
##euromarkup##%
Exchange rates
The table should be used as a guide only. Rates are updated once a day on business days. We use Mastercard rates and ECB rates which are subject to change.
Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.
You can find the latest available Mastercard exchange rate here.
If you have a Visa credit card, you can find the latest available Visa exchange rate here.
Fees for currency conversion
The comparison above uses the credit card standard foreign currency transaction fee of 2.95%
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Compare the cost of spending or withdrawing €100 outside the UK and EEA using our credit or debit cards.
The exchange rates used were the applicable rates for transactions processed on 02 June 2025 using the Classic current account debit card and the Classic credit card. For information specific to individual accounts please see the relevant credit or debit card tab.
Compare credit & debit card usage costs - purchase Purchase
Credit card
Debit card
Purchase
Original transaction
Credit card
€100
Debit card
€100
Purchase
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.18496
Purchase
Conversion to pounds
Credit card
£84.39
Debit card
£84.39
Purchase
Foreign currency transaction fee
Credit card
£2.49 (2.95%)
Debit card
£2.52 (2.99%)
Purchase
Foreign currency purchase fee
Credit card
Nil
Debit card
£0.50^
Purchase
Final statement amount
Credit card
£86.88
Debit card
£87.41
Compare credit & debit card usage costs - cash withdrawal Cash withdrawal
Credit card
Debit card
Cash withdrawal
Original transaction
Credit card
€100
Debit card
€100
Cash withdrawal
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.18496
Cash withdrawal
Conversion to pounds
Credit card
£84.39
Debit card
£84.39
Cash withdrawal
Foreign currency transaction fee
Credit card
This fee does not apply to credit cards
Debit card
£2.52 (2.99%)
Cash withdrawal
Foreign currency cash fee
Credit card
£4.22 (5%)
Debit card
£1.50^
Cash withdrawal
Final statement amount
Credit card
£91.10
Debit card
£88.41
Our exchange rates for card transactions are determined by the payment scheme provider for the card. For further information and other exchange rates and currencies see Mastercard® or Visa. For travel money, the exchange rate is determined by us.
The Foreign currency transaction fee is a fee for currency conversion.
Other fees, charges and interest may apply. Please refer to your account terms and conditions or see credit cards details or debit cards details for more information.
These examples assume you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.
^For debit card transactions in Euro within the EEA or UK, we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
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Statements explained
The following fees if charged will be shown separately on your statement.
We won’t charge our debit card fees on transactions or withdrawals at home or abroad where a Silver, Gold, Platinum, Premier and Ultimate Reward debit card has been used, or on other current accounts you hold, for your selected weeks if you have added Travel Smart to the account.
Statements explained Statement terms
Statement terms
Foreign currency transaction fee
This is a fee we charge for the conversion of currency. This is a percentage value of the converted pounds amount.
Statement terms
Foreign currency purchase fee
This is a fee we charge per transaction when you make a purchase in a foreign currency (not a cash withdrawal or purchase of foreign currency). This fee is applicable only to debit card transactions. This fee does not apply to debit card purchases in Euro within the EEA or UK, or transactions outside the UK where you choose to pay in pounds and allow the retailer to do the conversion.
Statement terms
Foreign currency cash fee
This is a fee we charge for the withdrawal of foreign currency, and pounds Sterling outside the UK using your debit card. This fee does not apply to the withdrawal of Euro within the EEA or UK.
Statement terms
Foreign cash fee
This is a fee we charge if you choose to complete your withdrawal of foreign currency, or Pounds sterling outside the UK using the ATM providers conversion rate to pounds. This fee will not apply to withdrawals in Euro within the EEA or UK.
The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
Statement terms
Cash fee
This is the fee we charge for withdrawal of cash on a credit card whether in or outside the UK.
We may monitor and record calls.
Banking online
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