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 outside the UK:

    Credit card details

    All credit cards

    All credit cards

    Foreign currency transaction fee

    2.95%

    All credit cards

    Cash fee (also applicable for pounds withdrawals)

    3% (min £3.00)

    Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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

    All credit cards

    Purchase

    Cash withdrawal**

    All credit cards

    Original transaction

    Purchase

    €100

    Cash withdrawal**

    €100

    All credit cards

    Payment scheme exchange rate

    Purchase

    1.141813

    Cash withdrawal**

    1.141813

    All credit cards

    Conversion to pounds

    Purchase

    £87.58

    Cash withdrawal**

    £87.58

    All credit cards

    Foreign currency transaction fee

    Purchase

    £2.58 (2.95%)

    Cash withdrawal**

    £2.58 (2.95%)

    All credit cards

    Cash fee

    Purchase

    N/A

    Cash withdrawal**

    £3.00

    All credit cards

    Final statement amount

    Purchase

    £90.16

    Cash withdrawal**

    £93.16

    *The exchange rates used were the applicable rates for transactions processed on 4th June 2018.

    **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.

  • Please check this page carefully because different fees and charges will apply depending on when you opened your account.

    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:

    Current accounts opened on or after 11th September 2011

    Platinum & Premier debit card

    All other debit cards

    Cashpoint® card

    Platinum & Premier debit card

    Foreign currency transaction fee

    All other debit cards

    2.99%

    Cashpoint® card

    2.99%

    2.99%

    Platinum & Premier debit card

    Foreign currency purchase fee

    All other debit cards

    Nil

    Cashpoint® card

    £0.50

    N/A

    Platinum & Premier debit card

    Foreign currency cash fee

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

    £1.50

    Platinum & Premier debit card

    Foreign cash fee

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

    £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 4th June 2018.

    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

    1.13837

    All other debit cards

    1.13837

    Cashpoint® card

    N/A

    Purchase

    Conversion to pounds

    Platinum & Premier debit card

    £87.84

    All other debit cards

    £87.84

    Cashpoint® card

    N/A

    Purchase

    Foreign currency transaction fee

    Platinum & Premier debit card

    £2.58 (2.99%)

    All other debit cards

    £2.58 (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

    £90.42

    All other debit cards

    £90.92

    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

    1.13837

    All other debit cards

    1.13837

    Cashpoint® card

    1.13837

    Cash Withdrawal‡

    Conversion to pounds

    Platinum & Premier debit card

    £87.84

    All other debit cards

    £87.84

    Cashpoint® card

    £87.84

    Cash Withdrawal‡

    Foreign currency transaction fee

    Platinum & Premier debit card

    £2.58 (2.99%)

    All other debit cards

    £2.58 (2.99%)

    Cashpoint® card

    £2.58 (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

    £91.92

    All other debit cards

    £91.92

    Cashpoint® card

    £91.92

    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 4th June 2018.

    Current accounts opened before 11th September 2011

    Purchase

    Debit card

    Purchase

    Original transaction

    Debit card

    €100

    Purchase

    Payment scheme exchange rate

    Debit card

    1.13837

    Purchase

    Conversion to pounds

    Debit card

    £87.84

    Purchase

    Foreign currency transaction fee

    Debit card

    £2.58 (2.99%)

    Purchase

    Foreign currency purchase fee

    Debit card

    £0.50

    Purchase

    Final statement amount

    Debit card

    £90.92

    Cash withdrawal**

    Debit card

    Cash withdrawal**

    Original transaction

    Debit card

    €100

    Cash withdrawal**

    Payment scheme exchange rate

    Debit card

    1.13837

    Cash withdrawal**

    Conversion to pounds

    Debit card

    £87.84

    Cash withdrawal**

    Foreign currency transaction fee

    Debit card

    £2.58 (2.99%)

    Cash withdrawal**

    Foreign currency cash fee

    Debit card

    £1.50

    Cash withdrawal**

    Final statement amount

    Debit card

    £91.92

    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.

    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.

  • 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 applicable only to debit card transactions.

    Statement terms

    Foreign currency cash fee

    This is a fee we charge for withdrawal of cash outside the UK using your debit card.

    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. The ATM provider may make a separate charge for 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 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 4th June 2018 using the Classic debit card and the Platinum Purchase 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

1.141813

Debit card

1.13837

Purchase

Conversion to pounds

Credit card

£87.58

Debit card

£87.84

Purchase

Foreign currency transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.58 (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

£90.16

Debit card

£90.92

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

1.141813

Debit card

1.13837

Cash withdrawal**

Conversion to pounds

Credit card

£87.58

Debit card

£87.84

Cash withdrawal**

Foreign currency transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.58 (2.99%)

Cash withdrawal**

Foreign currency cash fee

Credit card

£3.00 (3.00% min £3.00)

Debit card

£1.50 (1.5%, min £1.50, max £4.50)

Cash withdrawal**

Final statement amount

Credit card

£93.16

Debit card

£91.92

If you had used our Travel Money service on the 4th June 2018, €100 would have cost £91.58. The applicable rate of exchange was 1.0919.

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.

**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.

We may monitor and record calls.