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.
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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Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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
1.113654
Cash withdrawal**
1.113654
Credit cards
Conversion to pounds
Purchase
£89.79
Cash withdrawal**
£89.79
Credit cards
Foreign currency transaction fee
Purchase
£2.65 (2.95%)
Cash withdrawal**
£2.65 (2.95%)
Credit cards
Cash fee
Purchase
N/A
Cash withdrawal**
£4.49 (5%)
Credit cards
Final statement amount
Purchase
£92.44
Cash withdrawal**
£96.93
*The exchange rates used were the applicable rates for transactions processed on 1st June 2020.
**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.
Your Credit Card foreign currency transaction fee mark up over the ECB rate.
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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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Please check this page carefully because different fees and charges will apply depending on when you opened your account.
- Information for accounts opened on or after 11th September 2011
- Information for accounts opened before 11th September 2011
Current accounts opened on or after 11th September 2011
We’ll make the following charges when you use your debit card to make a transaction in a currency other than pounds:
Compare the cost of spending or withdrawing €100 outside the UK using our debit cards.†
†The exchange rates used were the applicable rates for transactions processed on 1st June 2020.
Compare the cost of spending or withdrawing €100 outside the UK using our debit cards
Purchase
Platinum & Premier debit card
All other debit cards
Cashpoint® card
Purchase
Original transaction
Platinum & Premier debit card
€100
All other debit cards
€100
Cashpoint® card
N/A
Purchase
Payment scheme exchange rate
Platinum & Premier debit card
1.10438
All other debit cards
1.10438
Cashpoint® card
N/A
Purchase
Conversion to pounds
Platinum & Premier debit card
£90.55
All other debit cards
£90.55
Cashpoint® card
N/A
Purchase
Foreign currency transaction fee
Platinum & Premier debit card
£2.71 (2.99%)
All other debit cards
£2.71 (2.99%)
Cashpoint® card
N/A
Purchase
Foreign currency purchase fee^
Platinum & Premier debit card
Nil
All other debit cards
£0.50
Cashpoint® card
N/A
Purchase
Final statement amount
Platinum & Premier debit card
£93.26
All other debit cards
£93.76
Cashpoint® card
N/A
Cash Withdrawal‡
Platinum & Premier debit card
All other debit cards
Cashpoint® card
Cash Withdrawal‡
Original transaction
Platinum & Premier debit card
€100
All other debit cards
€100
Cashpoint® card
€100
Cash Withdrawal‡
Payment scheme exchange rate
Platinum & Premier debit card
1.10438
All other debit cards
1.10438
Cashpoint® card
1.10438
Cash Withdrawal‡
Conversion to pounds
Platinum & Premier debit card
£90.55
All other debit cards
£90.55
Cashpoint® card
£90.55
Cash Withdrawal‡
Foreign currency transaction fee
Platinum & Premier debit card
£2.71 (2.99%)
All other debit cards
£2.71 (2.99%)
Cashpoint® card
£2.71 (2.99%)
Cash Withdrawal‡
Foreign currency cash fee^
Platinum & Premier debit card
£1.50
All other debit cards
£1.50
Cashpoint® card
£1.50
Cash Withdrawal‡
Final statement amount
Platinum & Premier debit card
£94.76
All other debit cards
£94.76
Cashpoint® card
£94.76
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.
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%
‡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.
Information on other banking charges.
Current accounts opened before 11th September 2011
We’ll make the following charges when you use your debit card to make a transaction in a currency other than pounds:
Current accounts opened before 11th September 2011
Debit card
Debit card
Foreign currency transaction fee
2.99%
Debit card
Foreign currency purchase fee^
£0.50
Debit card
Foreign currency cash fee^
£1.50
Debit card
Foreign cash fee^
£1.50
Compare the cost of spending or withdrawing €100 outside the UK using our debit cards.*
*The exchange rates used were the applicable rates for transactions processed on 1st June 2020.
Current accounts opened before 11th September 2011
Purchase
Debit card
Purchase
Original transaction
Debit card
€100
Purchase
Payment scheme exchange rate
Debit card
1.10438
Purchase
Conversion to pounds
Debit card
£90.55
Purchase
Foreign currency transaction fee
Debit card
£2.71 (2.99%)
Purchase
Foreign currency purchase fee^
Debit card
£0.50
Purchase
Final statement amount
Debit card
£93.76
Cash withdrawal**
Debit card
Cash withdrawal**
Original transaction
Debit card
€100
Cash withdrawal**
Payment scheme exchange rate
Debit card
1.10438
Cash withdrawal**
Conversion to pounds
Debit card
£90.55
Cash withdrawal**
Foreign currency transaction fee
Debit card
£2.71 (2.99%)
Cash withdrawal**
Foreign currency cash fee^
Debit card
£1.50
Cash withdrawal**
Final statement amount
Debit card
£94.76
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 Visa.
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 for more information.
**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 the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, and the foreign currency purchase fee of £0.50 were removed on the 13th December 2019.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
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Statements explained
We are introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately.
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 (not a cash withdrawal or purchase of foreign currency or travellers cheques). This fee is not applicable to debit card purchases in Euro inside the EEA.
Statement terms
Foreign currency cash fee
This is a fee we charge for withdrawal of foreign currency, except withdrawals in Euro inside the EEA using your debit card.
This fee is also charged for withdrawals of pounds outside the UK.
Statement terms
Foreign cash fee
This is the fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider's conversion rate to pounds. This fee is not applicable to debit card purchases in Euro inside the EEA. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you.
This fee is also charged for withdrawals of pounds outside the UK.
Statement terms
Cash fee
This is the fee we charge for withdrawal of cash on a credit card whether in or outside the UK.
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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 here.
- Ensure your cards do not expire when you are away. Please check your expiry date.
- Take another form of payment in case of emergency.
- Ensure your contact details are up to date so we can contact you if we are concerned there may be fraudulent activity on your account - update here.
- Take note of our overseas number to call in an emergency: +44 (0) 173 357 4121.
Have an enjoyable trip!
Compare credit & debit card usage costs
Compare the cost of spending or withdrawing €100 abroad using our credit or debit cards*
*The exchange rates used were the applicable rates for transactions processed on 1st June 2020 using the Classic debit card and the Classic credit card. For information specific to individual accounts please see the relevant credit or debit card tab.
|
Purchase |
Credit card |
Debit card |
|---|---|---|
PurchaseOriginal transaction |
Credit card€100 |
Debit card€100 |
PurchasePayment scheme exchange rate |
Credit card1.113654 |
Debit card1.10438 |
PurchaseConversion to pounds |
Credit card£89.79 |
Debit card£90.55 |
PurchaseForeign currency transaction fee |
Credit card£2.65 (2.95%) |
Debit card£2.71 (2.99%) |
PurchaseForeign currency purchase fee |
Credit cardThis fee does not apply to Credit Cards |
Debit card£0.50^ |
PurchaseFinal statement amount |
Credit card£92.44 |
Debit card£93.76 |
|
Cash withdrawal** |
Credit card |
Debit card |
|---|---|---|
Cash withdrawal**Original transaction |
Credit card€100 |
Debit card€100 |
Cash withdrawal**Payment scheme exchange rate |
Credit card1.113654 |
Debit card1.10438 |
Cash withdrawal**Conversion to pounds |
Credit card£89.79 |
Debit card£90.55 |
Cash withdrawal**Foreign currency transaction fee |
Credit card£2.65 (2.95%) |
Debit card£2.71 (2.99%) |
Cash withdrawal**Foreign currency cash fee |
Credit card£4.49 (5%) |
Debit card£1.50^ |
Cash withdrawal**Final statement amount |
Credit card£96.93 |
Debit card£94.76 |
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 the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, and the foreign currency purchase fee of £0.50 were removed on the 13th December 2019.
The Foreign currency transaction fee is a fee for currency conversion.
We may monitor and record calls.