Using your cards abroad

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

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 5th June 2017 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.

Purchase

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.141625

1.14044

Conversion to sterling

£87.59

£87.69

Non-sterling transaction fee

£2.58 (2.95%)

£2.62 (2.99%)

Non-sterling purchase fee

This fee does not apply to Credit Cards

£0.50

Final statement amount

£90.18

£90.81

Original transaction

Credit card

€100

Debit card

€100

Payment scheme exchange rate

Credit card

1.141625

Debit card

1.14044

Conversion to sterling

Credit card

£87.59

Debit card

£87.69

Non-sterling transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.62 (2.99%)

Non-sterling purchase fee

Credit card

This fee does not apply to Credit Cards

Debit card

£0.50

Final statement amount

Credit card

£90.18

Debit card

£90.81

Cash withdrawal**

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.141625

1.14044

Conversion to sterling

£87.59

£87.69

Non-sterling transaction fee

£2.58 (2.95%)

£2.62 (2.99%)

Non-sterling cash fee

£3.00 (3.00% min £3.00)

£1.50

Final statement amount

£93.18

£91.81

Original transaction

Credit card

€100

Debit card

€100

Payment scheme exchange rate

Credit card

1.141625

Debit card

1.14044

Conversion to sterling

Credit card

£87.59

Debit card

£87.69

Non-sterling transaction fee

Credit card

£2.58 (2.95%)

Debit card

£2.62 (2.99%)

Non-sterling cash fee

Credit card

£3.00 (3.00% min £3.00)

Debit card

£1.50

Final statement amount

Credit card

£93.18

Debit card

£91.81

If you had used our Travel Money service on the 5th June 2017, €100 would have cost £91.73. The applicable rate of exchange was 1.0902.

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 sterling. If you choose to allow the provider to convert the transaction to sterling, they may make a separate charge for conversion.

Credit card details

Our fees and charges for using your credit card abroad:

All credit cards

Non-sterling transaction fee

2.95%

Cash fee (also applicable for sterling withdrawals)

3% (min £3.00)

Non-sterling transaction fee

All credit cards

2.95%

Cash fee (also applicable for sterling withdrawals)

All credit cards

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 abroad using our credit cards*.

All credit cards

Purchase

Cash withdrawal**

Original transaction

€100

€100

Payment scheme exchange rate

1.141625

1.141625

Conversion to sterling

£87.59

£87.59

Non-sterling transaction fee

£2.58 (2.95%)

£2.58 (2.95%)

Cash fee

N/A

£3.00

Final statement amount

£90.18

£93.18

Original transaction

Purchase

€100

Cash withdrawal**

€100

Payment scheme exchange rate

Purchase

1.141625

Cash withdrawal**

1.141625

Conversion to sterling

Purchase

£87.59

Cash withdrawal**

£87.59

Non-sterling transaction fee

Purchase

£2.58 (2.95%)

Cash withdrawal**

£2.58 (2.95%)

Cash fee

Purchase

N/A

Cash withdrawal**

£3.00

Final statement amount

Purchase

£90.18

Cash withdrawal**

£93.18

*The exchange rates used were the applicable rates for transactions processed on 5th June 2017.

**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.

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 sterling:

 

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Non-sterling transaction fee

 2.99%

2.99%

2.99%

Non-sterling purchase fee

Nil

£0.50

N/A

Non-sterling cash fee

£1.50

£1.50

£1.50

Foreign cash fee

£1.50

£1.50

£1.50

Non-sterling transaction fee

Platinum & Premier debit card

 2.99%

All other debit cards

2.99%

Cashpoint® card

2.99%

Non-sterling purchase fee

Platinum & Premier debit card

Nil

All other debit cards

£0.50

Cashpoint® card

N/A

Non-sterling cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Foreign cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Compare the cost of spending or withdrawing €100 abroad using our debit cards.†

†The exchange rates used were the applicable rates for transactions processed on 5th June 2017.

Purchase

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Original transaction

€100

€100

N/A

Payment scheme exchange rate

1.14044

1.14044

N/A

Conversion to sterling

£87.69

£87.69

N/A

Non-sterling transaction fee

£2.62 (2.99%)

£2.62 (2.99%)

N/A

Non-sterling purchase fee

Nil

£0.50

N/A

Final statement amount

£90.31

£90.81

N/A

Original transaction

Platinum & Premier debit card

€100

All other debit cards

€100

Cashpoint® card

N/A

Payment scheme exchange rate

Platinum & Premier debit card

1.14044

All other debit cards

1.14044

Cashpoint® card

N/A

Conversion to sterling

Platinum & Premier debit card

£87.69

All other debit cards

£87.69

Cashpoint® card

N/A

Non-sterling transaction fee

Platinum & Premier debit card

£2.62 (2.99%)

All other debit cards

£2.62 (2.99%)

Cashpoint® card

N/A

Non-sterling purchase fee

Platinum & Premier debit card

Nil

All other debit cards

£0.50

Cashpoint® card

N/A

Final statement amount

Platinum & Premier debit card

£90.31

All other debit cards

£90.81

Cashpoint® card

N/A

Cash Withdrawal

Platinum & Premier debit card

All other debit cards

Cashpoint® card

Original transaction

€100

€100

€100

Payment scheme exchange rate

1.14044

1.14044

1.14044

Conversion to sterling

£87.69

£87.69

£87.69

Non-sterling transaction fee

£2.62 (2.99%)

£2.62 (2.99%)

£2.62 (2.99%)

Non-sterling cash fee

£1.50

£1.50

£1.50

Final statement amount

£91.81

£91.81

£91.81

Original transaction

Platinum & Premier debit card

€100

All other debit cards

€100

Cashpoint® card

€100

Payment scheme exchange rate

Platinum & Premier debit card

1.14044

All other debit cards

1.14044

Cashpoint® card

1.14044

Conversion to sterling

Platinum & Premier debit card

£87.69

All other debit cards

£87.69

Cashpoint® card

£87.69

Non-sterling transaction fee

Platinum & Premier debit card

£2.62 (2.99%)

All other debit cards

£2.62 (2.99%)

Cashpoint® card

£2.62 (2.99%)

Non-sterling cash fee

Platinum & Premier debit card

£1.50

All other debit cards

£1.50

Cashpoint® card

£1.50

Final statement amount

Platinum & Premier debit card

£91.81

All other debit cards

£91.81

Cashpoint® card

£91.81

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.

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 sterling:

Debit card

Non-sterling transaction fee

2.99%

Non-sterling purchase fee

£0.50

Non-sterling cash fee

£1.50

Foreign cash fee

£1.50

Non-sterling transaction fee

Debit card

2.99%

Non-sterling purchase fee

Debit card

£0.50

Non-sterling cash fee

Debit card

£1.50

Foreign cash fee

Debit card

£1.50

Compare the cost of spending or withdrawing €100 abroad using our debit cards.*

*The exchange rates used were the applicable rates for transactions processed on 5th June 2017.

Purchase

Debit card

Original transaction

€100

Payment scheme exchange rate

1.14044

Conversion to sterling

£87.69

Non-sterling transaction fee

£2.62 (2.99%)

Non-sterling purchase fee

£0.50

Final statement amount

£90.81

Original transaction

Debit card

€100

Payment scheme exchange rate

Debit card

1.14044

Conversion to sterling

Debit card

£87.69

Non-sterling transaction fee

Debit card

£2.62 (2.99%)

Non-sterling purchase fee

Debit card

£0.50

Final statement amount

Debit card

£90.81

Cash withdrawal**

Debit card

Original transaction

€100

Payment scheme exchange rate

1.14044

Conversion to sterling

£87.69

Non-sterling transaction fee

£2.62 (2.99%)

Non-sterling cash fee

£1.50

Final statement amount

£91.81

Original transaction

Debit card

€100

Payment scheme exchange rate

Debit card

1.14044

Conversion to sterling

Debit card

£87.69

Non-sterling transaction fee

Debit card

£2.62 (2.99%)

Non-sterling cash fee

Debit card

£1.50

Final statement amount

Debit card

£91.81

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 sterling. If you choose to allow the provider to convert the transaction to sterling, 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.

Statement terms

Non-sterling transaction fee

This is a fee we charge for the conversion of currency. This is a percentage value of the converted sterling amount.

Non-sterling 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.

Non-sterling cash fee

This is a fee we charge for withdrawal of cash abroad using your debit card.

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 sterling. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you.

Cash fee

This is the fee we charge for withdrawal of cash on a credit card whether in the UK or abroad.

Non-sterling transaction fee

This is a fee we charge for the conversion of currency. This is a percentage value of the converted sterling amount.

Non-sterling 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.

Non-sterling cash fee

This is a fee we charge for withdrawal of cash abroad using your debit card.

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 sterling. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you.

Cash fee

This is the fee we charge for withdrawal of cash on a credit card whether in the UK or abroad.

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!