Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Using your cards outside the UK
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.
-
Debit card transaction fees
Type of fee
Fees
Type of fee
Foreign currency transaction fee
Fees
2.99%
Type of fee
Foreign currency purchase fee^
Fees
£0.50
Type of fee
Foreign currency cash fee^
Fees
£1.50
Type of fee
Foreign 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
Statement explained
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.
-
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
1.161951
Debit card
1.16466
Purchase
Conversion to pounds
Credit card
£86.06
Debit card
£85.86
Purchase
Foreign currency transaction fee
Credit card
£2.54 (2.95%)
Debit card
£2.57 (2.99%)
Purchase
Foreign currency purchase fee
Credit card
Nil
Debit card
£0.50^
Purchase
Final statement amount
Credit card
£88.60
Debit card
£88.93
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
1.161951
Debit card
1.16466
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
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 (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 fee
Foreign currency cash fee
Fees
This 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 fee
Foreign cash fee
Fees
This 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 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.
|
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.
We may monitor and record calls