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Using your cards abroad
Take your Halifax debit and credit cards with you, for a convenient way to spend abroad.
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Top tips for using your card abroad
Thinking of using your card abroad
Here you can select the type of card you're thinking of taking, and see more about using it while abroad. You can also find out about any fees you may be charged.
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Foreign currency transactions fees table Reward and Ultimate Reward debit cards
All other debit cards. and Savings card -
Euros within UK and EEA
All other debit cards -Other
Savings cards -
Other
Reward and Ultimate Reward debit cards
Nil
All other debit cards. and Savings card - Euros within UK and EEA
2.99%
All other debit cards -Other
2.99%
Savings cards - Other
2.99%
Reward and Ultimate Reward debit cards
Nil
All other debit cards. and Savings card - Euros within UK and EEA
Nil
All other debit cards -Other
£0.50
Savings cards - Other
N/A
Reward and Ultimate Reward debit cards
Nil
All other debit cards. and Savings card - Euros within UK and EEA
Nil
All other debit cards -Other
£1.50
Savings cards - Other
£1.50
Reward and Ultimate Reward debit cards
Nil
All other debit cards. and Savings card - Euros within UK and EEA
Nil
All other debit cards -Other
£1.50
Savings cards - Other
£1.50
If you ask the cash machine or terminal provider to do the currency conversion, we won’t charge the foreign currency purchase fee, the foreign currency transaction fee or the foreign cash fee where you are withdrawing cash in a foreign currency in the UK. The provider of the currency conversion may charge you.
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Halifax debit card. It assumes you allow us to convert the transaction from foreign currency.
The exchange rates used were the applicable rates for transactions processed on 02 June 2025.
Purchase
Reward and Ultimate Reward debit cards
All other debit cards
Savings card
Purchase
Original Transaction
Reward and Ultimate Reward debit cards
€100
All other debit cards
€100
Savings card
N/A
Purchase
Payment scheme exchange rate
Reward and Ultimate Reward debit cards
1.18496
All other debit cards
1.18496
Savings card
N/A
Purchase
Conversion to pounds
Reward and Ultimate Reward debit cards
£84.39
All other debit cards
£84.39
Savings card
N/A
Purchase
Foreign currency transaction fee
Reward and Ultimate Reward debit cards
Nil
All other debit cards
£2.52 (2.99%)
Savings card
N/A
Purchase
Foreign currency purchase fee
Reward and Ultimate Reward debit cards
Nil
All other debit cards
£0.501
Savings card
N/A
Purchase
Final statement amount
Reward and Ultimate Reward debit cards
£84.39
All other debit cards
£87.41
Savings card
N/A
Cash Withdrawal
Reward and Ultimate Reward debit cards
All other debit cards
Savings card
Cash Withdrawal
Original Transaction
Reward and Ultimate Reward debit cards
€100
All other debit cards
€100
Savings card
€100
Cash Withdrawal
Payment scheme exchange rate
Reward and Ultimate Reward debit cards
1.18496
All other debit cards
1.18496
Savings card
1.18496
Cash Withdrawal
Conversion to pounds
Reward and Ultimate Reward debit cards
£84.39
All other debit cards
£84.39
Savings card
£84.39
Cash Withdrawal
Foreign currency transaction fee
Reward and Ultimate Reward debit cards
Nil
All other debit cards
£2.52 (2.99%)
Savings card
£2.52 (2.99%)
Cash Withdrawal
Foreign currency cash fee
Reward and Ultimate Reward debit cards
Nil
All other debit cards
£1.501
Savings card
£1.501
Cash Withdrawal
Final statement amount
Reward and Ultimate Reward debit cards
£84.39
All other debit cards
£88.41
Savings card
£88.41
1For debit card transactions in Euro within the EEA or UK we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
We’ve created some guidance to help you see our foreign currency charges, shown as percentage mark-ups against the European Central Bank (ECB) rates. You can use these to compare with other foreign currency providers.
Compare foreign currency charge mark-ups
Information on other rates, rewards and debit card fees.
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Credit card details Fees
Clarity Card
Other Credit cards
Fees
Foreign currency purchase fee
Clarity Card
N/A
Other Credit cards
2.95%
Fees
Cash fee (also applicable for pounds withdrawals)
Clarity Card
N/A
Other Credit cards
5%
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 02 June 2025.Comparing the cost of spending or withdrawing €100 outside the UK using our credit cards Purchase
Clarity Card
Other Credit cards
Purchase
Original transaction
Clarity Card
€100
Other Credit cards
€100
Purchase
Payment scheme exchange rate
Clarity Card
1.18496
Other Credit cards
1.18496
Purchase
Conversion to pounds
Clarity Card
£84.39
Other Credit cards
£84.39
Purchase
Foreign currency purchase fee
Clarity Card
Nil
Other Credit cards
£2.49 (2.95%)
Purchase
Final statement amount
Clarity Card
£84.39
Other Credit cards
£86.88
Comparing the cost of spending or withdrawing €100 outside the UK using our credit cards Cash withdrawal2
Clarity Card
Other Credit cards
Cash withdrawal2
Original transaction
Clarity Card
€100
Other Credit cards
€100
Cash withdrawal2
Payment scheme exchange rate
Clarity Card
1.18496
Other Credit cards
1.18496
Cash withdrawal2
Conversion to pounds
Clarity Card
£84.39
Other Credit cards
£84.39
Cash withdrawal2
Foreign currency purchase fee
Clarity Card
Nil
Other Credit cards
This fee does not apply to credit cards
Cash withdrawal2
Cash fee
Clarity Card
Nil
Other Credit cards
£4.22 (5%)
Cash withdrawal2
Final statement amount
Clarity Card
£84.39
Other Credit cards
£91.10
2This 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.
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.
Pay like a local.
When using your card abroad, paying in the local currency is usually the cheaper option, as the exchange rate offered by the retailer is often less favourable than those offered by Visa or Mastercard.
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The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Halifax credit or debit card.
The exchange rates used were the applicable rates for transactions processed on 02 June 2025, using the Halifax Current Account debit card and any other Halifax credit card other than a Clarity Card.
For information to specific accounts please see your relevant credit or debit card account.
Comparing the cost of spending or withdrawing €100 outside the UK using our credit or debit cards Purchase
Credit card
Debit card
Purchase
Original transaction
Credit card
€100
Debit card
€100
Purchase
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.18496
Purchase
Conversion to pounds
Credit card
£84.39
Debit card
£84.39
Purchase
Foreign currency transaction fee
Credit card
£2.49 (2.95%)
Debit card
£2.52 (2.99%)
Purchase
Foreign currency purchase fee
Credit card
This fee does not apply to credit cards
Debit card
£0.501
Purchase
Final statement amount
Credit card
£86.88
Debit card
£87.41
Comparing the cost of spending or withdrawing €100 outside the UK using our credit or debit cards Cash withdrawal
Credit card
Debit card
Cash withdrawal
Original transaction
Credit card
€100
Debit card
€100
Cash withdrawal
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.18496
Cash withdrawal
Conversion to pounds
Credit card
£84.39
Debit card
£84.39
Cash withdrawal
Foreign currency transaction fee
Credit card
This fee does not apply to credit cards
Debit card
£2.52 (2.99%)
Cash withdrawal
Foreign currency cash fee
Credit card
£4.22 (5%)
Debit card
£1.501
Cash withdrawal
Final statement amount
Credit card
£91.10
Debit card
£88.41
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
1For debit card transactions in Euro within the EEA or UK we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
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.
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The following fees if charged will be shown separately on your statement.
We won’t charge our debit card fees on transactions or withdrawals at home or abroad where a Reward or Ultimate Reward debit card has been used, or on other current accounts you hold, for your selected weeks if you have added Travel Ready to the account.
Statement terms Type of fee
Fees
Type of fee
Foreign currency transaction fee
Fees
This is a fee we charge for the conversion of currency. This is a percentage value of your original transaction.
Type of fee
Foreign currency purchase fee
Fees
This is a fee we charge per transaction when you make a purchase in a foreign currency (not a cash withdrawal or purchase of foreign currency). This fee is applicable only to debit card transactions. This fee does not apply to debit card purchases in Euro within the EEA or UK, or transactions outside the UK where you choose to pay in pounds and allow the retailer to do the conversion.
Type of fee
Foreign currency cash fee
Fees
This is a fee we charge for the withdrawal of foreign currency, and pounds Sterling outside the UK using your debit card. This fee does not apply to the withdrawal of Euro within the EEA or UK.
Type of fee
Foreign cash fee
Fees
This is a fee we charge if you choose to complete your withdrawal of foreign currency, or Pounds sterling outside the UK using the ATM providers conversion rate to pounds. This fee will not apply to withdrawals in Euro within the EEA or UK.
The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
Type of fee
Cash fee
Fees
This is the fee we charge for withdrawal of cash on a credit card whether in the UK or outside the UK.
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