Comparing debit card currency charges when abroad

Helping you compare our debit 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.

We won’t charge a fee for currency conversion or any other 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 transactions in selected weeks if you have added Travel Smart to your account.

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

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

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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%