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For day to day spending and access to your cash. With the same security and convenience that you get in the UK.
Type of fee |
Fees |
---|---|
Type of feeForeign currency transaction fee |
Fees2.99% |
Type of feeForeign currency purchase fee^ |
Fees£0.50 |
Type of feeForeign currency cash fee^ |
Fees£1.50 |
Type of feeForeign cash fee^ |
Fees£1.50 |
To help you compare our debit card or Cashcard currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here
We’re introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately.
Information on other rates, rewards and debit card fees.
Purchase |
Credit card |
Debit card |
---|---|---|
PurchaseOriginal transaction |
Credit card€100 |
Debit card€100 |
PurchasePayment scheme exchange rate |
Credit card1.161951 |
Debit card1.16466 |
PurchaseConversion to pounds |
Credit card£86.06 |
Debit card£85.86 |
PurchaseForeign currency transaction fee |
Credit card£2.54 (2.95%) |
Debit card£2.57 (2.99%) |
PurchaseForeign currency purchase fee |
Credit cardNil |
Debit card£0.50^ |
PurchaseFinal statement amount |
Credit card£88.60 |
Debit card£88.93 |
Cash withdrawal** |
Credit card |
Debit card |
---|---|---|
Cash withdrawal**Original transaction |
Credit card€100 |
Debit card€100 |
Cash withdrawal**Payment scheme exchange rate |
Credit card1.161951 |
Debit card1.16466 |
Cash withdrawal**Conversion to pounds |
Credit card£86.06 |
Debit card£85.86 |
Cash withdrawal**Foreign currency transaction fee |
Credit card£2.54 (2.95%) |
Debit card£2.57 (2.99%) |
Cash withdrawal**Foreign currency purchase fee |
Credit card£4.30 (5%) |
Debit card£1.50^ |
Cash withdrawal**Final statement amount |
Credit card£92.90 |
Debit card£89.93 |
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.
The foreign currency transaction fee is a fee for currency conversion.
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
^For debit card transactions in Euro within the EEA the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, and the foreign currency purchase fee of £0.50 were removed on the 13th December 2019.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
**This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.
Statement terms
Type of fee |
Fees |
---|---|
Type of feeForeign currency transaction fee |
FeesThis is a fee we charge for the conversion of currency. This is a percentage value of your original transaction. |
Type of feeForeign currency purchase fee |
FeesThis is a fee we charge per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency). This fee is not applicable to debit card purchases in Euro inside the EEA. This fee is applicable only to debit card transactions. |
Type of feeForeign currency cash fee |
FeesThis is a fee we charge for withdrawal of cash outside the UK using your debit card. This fee is not applicable to withdrawals of Euro inside the EEA. |
Type of feeForeign cash fee |
FeesThis is the fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider's conversion rate to pounds. The ATM provider may make a separate charge for conversion which will be included in the exchange rate offered to you. This fee is not applicable to withdrawals of Euro inside the EEA. |
Type of feeCash fee |
FeesThis is the fee we charge for withdrawal of cash on a credit card whether in the UK or outside the UK. |
Fees |
Clarity card |
Other Credit cards |
---|---|---|
FeesForeign currency transaction fee |
Clarity cardN/A |
Other Credit cards2.95% |
FeesCash fee (also applicable for pounds withdrawals) |
Clarity cardN/A |
Other Credit cards5% |
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 outside the UK using our credit cards*.
*The exchange rates used were the applicable rates for transactions processed on 5th June 2023.
Purchase |
Clarity Card |
Other Credit cards |
---|---|---|
PurchaseOriginal transaction |
Clarity Card€100 |
Other Credit cards€100 |
PurchasePayment scheme exchange rate |
Clarity Card1.161951 |
Other Credit cards1.161951 |
PurchaseConversion to pounds |
Clarity Card£86.06 |
Other Credit cards£86.06 |
PurchaseForeign currency transaction fee |
Clarity CardNil |
Other Credit cards£2.54 (2.95%) |
PurchaseFinal statement amount |
Clarity Card£86.06 |
Other Credit cards£88.60 |
Cash withdrawal** |
Clarity Card |
Other Credit cards |
---|---|---|
Cash withdrawal**Original transaction |
Clarity Card€100 |
Other Credit cards€100 |
Cash withdrawal**Payment scheme exchange rate |
Clarity Card1.161951 |
Other Credit cards1.161951 |
Cash withdrawal**Conversion to pounds |
Clarity Card£86.06 |
Other Credit cards£86.06 |
Cash withdrawal**Foreign currency transaction fee |
Clarity CardNil |
Other Credit cards£2.54 (2.95%) |
Cash withdrawal**Cash fee |
Clarity CardNil |
Other Credit cards£4.30 (5%) |
Cash withdrawal**Final statement amount |
Clarity Card£86.06 |
Other Credit cards£92.90 |
To help you compare our credit card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here
**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.
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