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.

Compare credit & debit card usage costs expandable section

Credit card details expandable section

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Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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 03 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.

Transaction Currency


Your Credit Card foreign currency transaction fee mark up over the ECB rate.	##euromarkup##%

Your Credit Card foreign currency transaction fee mark up over the ECB rate.

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Debit card details expandable section

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
Foreign Currency Transaction fee	Silver, Gold, Platinum, Premier and Ultimate Reward debit cards Nil	All other debit cards 2.99%	Cashpoint® card 2.99%
Foreign currency purchase fee	Silver, Gold, Platinum, Premier and Ultimate Reward debit cards Nil	All other debit cards £0.50	Cashpoint® card N/A
Foreign currency cash fee	Silver, Gold, Platinum, Premier and Ultimate Reward debit cards Nil	All other debit cards £1.50	Cashpoint® card £1.50
Foreign cash fee	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 03 June 2024.

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

^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.

Transaction Currency


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

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

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Statements explained expandable section

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.

Using your card outside the UK expandable section
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 03 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

^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.

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Using your cards outside the UK

Our debit and credit cards are accepted worldwide.

Credit card details

Helping you compare our credit card currency charges with other providers

Debit card fees and charges

Helping you compare our debit and Cashpoint Card currency charges with other providers

Statements explained

Going abroad soon? You no longer need to tell us

Before going abroad

Compare credit & debit card usage costs

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