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 cash fee/ cash 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)

Interest may be charged differently dependant on whether you have made a purchase or withdrawn cash.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

**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:

  Debit card
Non-sterling transaction fee   2.75%
Non-sterling purchase fee £1.50
Non-sterling cash fee £1.50
Foreign cash fee £1.50

Information on other rates, rewards and debit card fees.

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.

We may monitor and record calls

Before you use your card abroad

Don't forget to notify us before you travel. You can let us know in branch or by calling:

0845 7 20 30 40 for Bank Accounts
0845 7 28 38 48 for Credit Cards

Make sure we have your up-to-date mobile or best contact number. You can update your details by using online banking, by calling us or by visiting a branch.

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