Using your cards outside the UK

Credit card details

Our fees and charges for using your credit card abroad:

Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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

*The exchange rates used were the applicable rates for transactions processed on 3rd June 2019.

**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.

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 3rd June 2019.

^‡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:

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 3rd June 2019.

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.

Statements explained

We are introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately.

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!