We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking.

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    Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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

    1.113654

    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.

     

    £
    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%

  • 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:

    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.

     

    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%

    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.

  • 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.

  • 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.

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

1.113654

Debit card

1.10438

Purchase

Conversion to pounds

Credit card

£89.79

Debit card

£90.55

Purchase

Foreign currency transaction fee

Credit card

£2.65 (2.95%)

Debit card

£2.71 (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

£92.44

Debit card

£93.76

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

1.113654

Debit card

1.10438

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.