Jetting off? Get set for a stress-free holiday by reading our tips on spending abroad.
You’ll be charged a couple of fees on every purchase.
Non-sterling transaction fee
A percentage of the cost, added to each purchase you make.
Non-sterling purchase fee
A flat fee, so no matter the cost of your purchase, you’ll be charged the same amount. So you decide when to pay with your Halifax Visa debit card or when to pay with your travel money.
If you purchased four entry tickets to a water park worth £100, you’d pay a £2.99 (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £103.49.
For drinks and snacks worth £30, you’d pay a 90p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £31.40.
For two coffees worth £4, you’d pay 12p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £4.62.
Or for lunch on the beach worth £10 you’d pay 30p (2.99%) non-sterling transaction fee and a 50p purchase fee, totalling £10.80.
See the full costs breakdown.
It’s useful to know that paying with your Halifax Visa debit card is usually cheaper than using it to withdraw money from an overseas ATM*.
If you take out cash with your debit card you will be charged fees, which may be higher than when paying with your card.
If you do decide to withdraw cash, it’s worth just checking the overseas ATM withdrawal limit, so you know how much you can take out before attempting to withdraw any cash.
If you're ever asked if you want to pay in the local currency or sterling when using your Halifax Visa debit card, choose local currency to save money on extra local currency conversion charges.
It’s good to have some travel money to pay for ice creams and drinks when you’re abroad, but for many, especially if you’re going all inclusive, you probably won’t need as much as you think. The temptation is if you’ve got it, you’ll end up spending it at the airport on things you really don’t need.
Top tip is avoid exchanging currency while you’re at the airport or abroad because they often have higher exchange rates and can carry commission fees.
Make sure we’ve got the right phone number and email address for you in case we need to get in touch about your account. You can update your details in branch
Our fraud and security systems are always keeping an eye on your account to check for any suspicious spending, so you can relax whether you’re at home or abroad.
If you decide to take out cash abroad, use ATMs with the Visa logo, in well-lit and busy areas, ideally attached to established banks.
Don’t carry around lots of travel money with you either – use your hotel safe and just take out what you need each day. Your Halifax Visa debit card is much easier to carry around and you have the same protection as you do at home.
If your Halifax Visa debit card is lost or stolen while you’re abroad, call us on:
+44 113 242 8196
If your Halifax Visa debit card is declined, there are transactions you don’t recognise or if you need a new PIN, call:
+44 113 242 1984
These calls will be charged at the telephone service provider’s published tariff.
Stick to your holiday budget by checking your money on the go. Just make sure you use it while you’re on a secure WiFi connection, otherwise you could have roaming charges from your phone provider.
Find out more about the mobile banking app and how to download it.
*If you use your debit card to withdraw cash from an ATM in a currency other than sterling, or to withdraw cash in sterling outside the UK, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge you a non-sterling transaction fee of 2.99% of the amount of the transaction and non-sterling cash fee of £1.50 for each withdrawal. Where you elect to allow cash machine operators to make the conversion to sterling for you, we will only charge a foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency may make a separate charge for conversion.