Using your cards outside the UK

Our debit and credit cards are accepted worldwide.

For day to day spending and access to your cash. With the same security and convenience that you get in the UK.

  • Credit card details

    Our fees and charges for using your credit card abroad:

    Credit card details

    Credit cards

    Credit cards

    Foreign currency transaction fee

    2.95%

    Credit cards

    Cash fee (also applicable for pounds withdrawals)

    5%

    Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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

    1.1170783

    Cash withdrawal**

    1.1170783

    Credit cards

    Conversion to pounds

    Purchase

    £89.52

    Cash withdrawal**

    £89.52

    Credit cards

    Foreign currency transaction fee

    Purchase

    £2.64 (2.95%)

    Cash withdrawal**

    £2.64 (2.95%)

    Credit cards

    Cash fee

    Purchase

    N/A

    Cash withdrawal**

    £4.48 (5%)

    Credit cards

    Final statement amount

    Purchase

    £92.16

    Cash withdrawal**

    £96.64

    *The exchange rates used were the applicable rates for transactions processed on 3rd June 2024.

    **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.

    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.

     

    £
    Indicative transaction value (excl Fees)
    Transaction Fee Rate
    Transaction Fee
    Indicative Statement Value (incl Fees)
    ECB to Sterling equivalent Indicative transaction Value
    ECB to card variance
    ECB Markup sub
    ECB Mark up
    ECB Pairing Rate
    Cash Transaction Ffee

    Edit Key/Value Pair Calculator

    Edit Key/Value Pair Calculator

     

      

       

    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%

  • Debit card fees and charges

    The table below lets you know the fees for using a Bank of Scotland debit card to make a payment or withdraw cash in a currency other than pounds or withdraw cash in pounds outside the UK. Any Euro transaction within the EEA or UK won’t be charged the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, or the foreign currency purchase fee of £0.50.  

    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.

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    All other debit cards

    Cashpoint® card

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    2.99%

    Cashpoint® card

    2.99%

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £0.50

    Cashpoint® card

    N/A

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

    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 6th June 2022.

    Compare the cost of spending or withdrawing €100 outside the UK using our debit cards

    Purchase

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    All other debit cards

    Cashpoint® card

    Purchase

    Original transaction

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    €100

    All other debit cards

    €100

    Cashpoint® card

    N/A

    Purchase

    Payment scheme exchange rate

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    1.16466

    All other debit cards

    1.16466

    Cashpoint® card

    N/A

    Purchase

    Conversion to pounds

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    £85.86

    All other debit cards

    £85.86

    Cashpoint® card

    N/A

    Purchase

    Foreign currency transaction fee

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £2.57 (2.99%)

    Cashpoint® card

    N/A

    Purchase

    Foreign currency purchase fee^

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £0.50

    Cashpoint® card

    N/A

    Purchase

    Final statement amount

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    £85.86

    All other debit cards

    £88.93

    Cashpoint® card

    N/A

    Cash Withdrawal

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    All other debit cards

    Cashpoint® card

    Cash Withdrawal

    Original transaction

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    €100

    All other debit cards

    €100

    Cashpoint® card

    €100

    Cash Withdrawal

    Payment scheme exchange rate

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    1.16466

    All other debit cards

    1.16466

    Cashpoint® card

    1.16466

    Cash Withdrawal

    Conversion to pounds

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    £85.86

    All other debit cards

    £85.86

    Cashpoint® card

    £85.86

    Cash Withdrawal

    Foreign currency transaction fee

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £2.57 (2.99%)

    Cashpoint® card

    £2.57 (2.99%)

    Cash Withdrawal

    Foreign currency cash fee^

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    Nil

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

    Cash Withdrawal

    Final statement amount

    Silver, Gold, Platinum, Premier and Ultimate Reward debit cards

    £85.86

    All other debit cards

    £89.93

    Cashpoint® card

    £89.93

    Helping you compare our debit and Cashpoint 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.

    We won’t charge a fee for currency conversion or any other 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 transactions in selected weeks if you have added Travel Smart to your account.

     

    Indicative transaction value (excl Fees)
    Transaction Fee Rate
    Transaction Fee
    Indicative Statement Value (incl Fees)
    ECB to Sterling equivalent Indicative transaction Value
    ECB to card variance
    ECB Markup sub
    ECB Mark up
    ECB Pairing Rate
    Cash Transaction Ffee

    Edit Key/Value Pair Calculator

    Edit Key/Value Pair Calculator

     

      

       

    Your debit card foreign currency transaction fee mark up over the ECB rate.

    ##euromarkupv##%

     

    Exchange rates

    The table should be used as a guide only. Rates are updated once a day on business days. We use Visa 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 Visa exchange rate here.

    Fees for currency conversion

    The comparison above uses the debit and Cashpoint Card standard Foreign currency transaction fee of 2.99%

    ^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.  

    Other fees, charges and interest may apply. Please refer to your account terms and conditions for more information.

  • 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.

  • Going abroad soon? You no longer need to tell us

    You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.

    Before going abroad

    • Check overseas fees. Silver, Gold, Platinum, Premier and Ultimate Reward current accounts: We won't charge our debit card fees when you use your debit card for these accounts at home or abroad. We also won’t charge these fees in relation to other current accounts you hold, for your selected weeks if you have Travel Smart added to the account.
    • Check your credit card is activated? Our guide on how to activate your card is here.
    • Turn off Abroad Freeze if you’ve added it to the card you plan to use abroad.
    • Does your card expire when you are away? If your card is due to expire within 90 days, you can request a replacement card.
    • You can use our app to view your PIN number if you can't remember it.
    • Take another form of payment in case of emergency.
    • Think about setting up a Direct Debit to cover any payments due while you’re away.
    • Ensure your contact details are up to date. We may need to text or call you if we’re concerned there may be fraudulent activity on your account - you can check and update your details here
    • If you need to get in touch, contact us. Standard network charges may apply.
    • It may be a good idea to make card payments in local currency and avoid paying the local currency conversion charges.

    Have an enjoyable trip!

Compare credit & debit card usage costs

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 3rd June 2024 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

1.1170783

Debit card

1.16466

Purchase

Conversion to pounds

Credit card

£89.52

Debit card

£85.86

Purchase

Foreign currency transaction fee

Credit card

£2.64 (2.95%)

Debit card

£2.57 (2.99%)

Purchase

Foreign currency purchase fee

Credit card

This fee does not apply to Credit Cards

Debit card

£0.50^

Purchase

Final statement amount

Credit card

£92.16

Debit card

£88.93

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

1.1170783

Debit card

1.16466

Cash withdrawal**

Conversion to pounds

Credit card

£89.52

Debit card

£85.86

Cash withdrawal**

Foreign currency transaction fee

Credit card

£2.64 (2.95%)

Debit card

£2.57 (2.99%)

Cash withdrawal**

Foreign currency cash fee

Credit card

£4.48 (5%)

Debit card

£1.50^

Cash withdrawal**

Final statement amount

Credit card

£96.64

Debit card

£89.93

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.

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.

The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.

**This example assumes 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 Foreign currency transaction fee is a fee for currency conversion.

We may monitor and record calls.

Travel services

Make sure you're set before you go abroad.

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Travel services

Make sure you're set before you go abroad.

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