Using your cards abroad.

Our debit and credit cards are accepted worldwide. At over 26 million locations.

For day to day spending and access to your cash. With the same security and convenience that you get in the UK.

Compare 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 2nd June 2014.

Purchase

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.229223

1.227599

Conversion to sterling

£81.35

£81.46

Non-sterling transaction fee

£2.40 (2.95%)

£2.24 (2.75%)

Non-sterling purchase fee

Nil

£1.50

Final statement amount

£83.75

£85.20

 

 

Cash withdrawal**

Credit card

Debit card

Original transaction

€100

€100

Payment scheme exchange rate

1.229223

1.227599

Conversion to sterling

£81.35

£81.46

Non-sterling transaction fee

£2.40 (2.95%)

£2.24 (2.75%)

Non-sterling purchase fee

£3.00 (3.00% Min £3.00)

£1.50

Final statement amount

£86.75

£85.20

If you had used our Travel Money service on the 2nd June 2014, €100 would have cost £85.51. The applicable rate of exchange was 1.1695.

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 vary depending on the card you have.

Clarity Card

All other Credit cards

Non-sterling transaction fee

0%

2.95%

Cash fee (also applicable for sterling withdrawals)

N/A

3% (min £3)

Non-sterling transaction fee


Clarity Card

0%

All other Credit cards

2.95%

Cash fee (also applicable for sterling withdrawals)


Clarity Card

N/A

All other Credit cards

3% (min £3)

Interest may be charged differently dependent on whether you have made a purchase or withdrawn cash. Please check your account terms or credit card fees, charges and interest for more information.

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

*The exchange rates used were the applicable rates for transactions processed on 2nd June 2014.

Purchase

Clarity Card

All other Credit cards

Original transaction

€100

€100

Payment scheme exchange rate

1.229223

1.229223

Conversion to sterling

£81.35

£81.35

Non-sterling transaction fee

Nil

£2.40 (2.95%)

Final statement amount

£81.35

£83.75

Original transaction


Clarity Card

€100

All other Credit cards

€100

Payment scheme exchange rate


Clarity Card

1.229223

All other Credit cards

1.229223

Conversion to sterling


Clarity Card

£81.35

All other Credit cards

£81.35

Non-sterling transaction fee


Clarity Card

Nil

All other Credit cards

£2.40 (2.95%)

Final statement amount


Clarity Card

£81.35

All other Credit cards

£83.75

Cash withdrawal**

Clarity Card

All other Credit cards

Original transaction

€100

€100

Payment scheme exchange rate

1.229223

1.229223

Conversion to sterling

£81.35

£81.35

Non-sterling transaction fee

Nil

£2.40 (2.95%)

Cash fee

Nil

£3.00

Final statement amount

£81.35

£86.75

Original transaction


Clarity Card

€100

All other Credit cards

€100

Payment scheme exchange rate


Clarity Card

1.229223

All other Credit cards

1.229223

Conversion to sterling


Clarity Card

£81.35

All other Credit cards

£81.35

Non-sterling transaction fee


Clarity Card

Nil

All other Credit cards

£2.40 (2.95%)

Cash fee


Clarity Card

Nil

All other Credit cards

£3.00

Final statement amount


Clarity Card

£81.35

All other Credit cards

£86.75

**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.

Debit card details

You can use your debit card to withdraw £500 or equivalent per day. We’ll make the following charges when you use your debit card to make a transaction in a currency other than sterling:

Non-sterling transaction fee

2.75%

Non-sterling purchase fee

£1.50

Non-sterling cash fee

£1.50

Foreign cash fee

£1.50

Non-sterling transaction fee


2.75%

Non-sterling purchase fee


£1.50

Non-sterling cash fee


£1.50

Foreign cash fee


£1.50

Statement explained

We’re 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 your original transaction.

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 your original transaction.

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.


Let us know before you go

If you’re planning to use your debit or credit card abroad, let us know before you travel through Online Banking using our simple online form.

Confirm you're travelling abroad online

You can do this by clicking on ‘Going abroad? Tell us’ located under the 'Your account tools' menu on 'My accounts'.

Alternatively:

  • Call us on 0345 720 3040 for bank accounts, or 0345 944 4555 for credit cards.
  • Visit your local branch

Remember to ensure your contact numbers are up to date. You can do this either online, over the phone or in branch.


We may monitor and record calls