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 details

    Debit card fees and charges

    The table below lets you know the fees for using a Halifax debit card to make a payment or withdraw cash in a currency other than pounds or withdraw cash in pounds outside the UK. Any Euro transaction within the EEA or UK won’t be charged the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, or the foreign currency purchase fee of £0.50.  

    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.

    Ultimate Reward debit card

    All other debit cards

    Savings card

    Ultimate Reward debit card

    Nil

    All other debit cards

    2.99%

    Savings card

    2.99%

    Ultimate Reward debit card

    Nil

    All other debit cards

    £0.50

    Savings card

    N/A

    Ultimate Reward debit card

    Nil

    All other debit cards

    £1.50

    Savings card

    £1.50

    Ultimate Reward debit card

    Nil

    All other debit cards

    £1.50

    Savings card

    £1.50

    The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Halifax debit card, and assumes you allow us to convert the transaction from foreign currency. The exchange rates used were the applicable rates for transactions processed on 6th June 2022.

    Purchase

    Ultimate Reward debit card

    All other debit cards

    Savings card

    Purchase

    Original Transaction

    Ultimate Reward debit card

    €100

    All other debit cards

    €100

    Savings card

    N/A

    Purchase

    Payment scheme exchange rate

    Ultimate Reward debit card

    1.16466

    All other debit cards

    1.16466

    Savings card

    N/A

    Purchase

    Conversion to pounds

    Ultimate Reward debit card

    £85.86

    All other debit cards

    £85.86

    Savings card

    N/A

    Purchase

    Foreign currency transaction fee

    Ultimate Reward debit card

    Nil

    All other debit cards

    £2.57 (2.99%)

    Savings card

    N/A

    Purchase

    Foreign currency purchase fee

    Ultimate Reward debit card

    Nil

    All other debit cards

    £0.50^

    Savings card

    N/A

    Purchase

    Final statement amount

    Ultimate Reward debit card

    £85.86

    All other debit cards

    £89.93

    Savings card

    N/A

    Cash Withdrawal

    Ultimate Reward debit card

    All other debit cards

    Savings card

    Cash Withdrawal

    Original Transaction

    Ultimate Reward debit card

    €100

    All other debit cards

    €100

    Savings card

    €100

    Cash Withdrawal

    Payment scheme exchange rate

    Ultimate Reward debit card

    1.16466

    All other debit cards

    1.16466

    Savings card

    1.16466

    Cash Withdrawal

    Conversion to pounds

    Ultimate Reward debit card

    £85.86

    All other debit cards

    £85.86

    Savings card

    £85.86

    Cash Withdrawal

    Foreign currency transaction fee

    Ultimate Reward debit card

    Nil

    All other debit cards

    £2.57 (2.99%)

    Savings card

    £2.57 (2.99%)

    Cash Withdrawal

    Foreign currency cash fee

    Ultimate Reward debit card

    Nil

    All other debit cards

    £1.50^

    Savings card

    £1.50^

    Cash Withdrawal

    Final statement amount

    Ultimate Reward debit card

    £85.86

    All other debit cards

    £89.93

    Savings card

    £89.93

    ^For 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.

    To help you compare our debit card or Savings card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here.

    Information on other rates, rewards and debit card fees.

  • Compare card usage costs

    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 5th June 2023 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

    1.1170783

    Debit card

    1.16466

    Purchase

    Conversion to pounds

    Credit card

    £89.52

    Debit card

    £85.86

    Purchase

    Foreign currency transaction fee

    Credit card

    £2.64 (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

    £92.16

    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

    1.1170783

    Debit card

    1.16466

    Cash withdrawal

    Conversion to pounds

    Credit card

    £89.52

    Debit card

    £85.86

    Cash withdrawal

    Foreign currency transaction fee

    Credit card

    £2.64 (2.95%)

    Debit card

    £2.57 (2.99%)

    Cash withdrawal

    Foreign currency cash fee

    Credit card

    £4.48 (5%)

    Debit card

    £1.50^

    Cash withdrawal

    Final statement amount

    Credit card

    £96.64

    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 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.

  • Statement terms

    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 an 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.

Credit card details

Our fees and charges for using your credit card abroad vary depending on the card you have.

 

Credit card details

Credit card details

Fees

Clarity card

Other Credit cards

Fees

Foreign currency transaction 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 3rd June 2024.

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

1.1170783

Other Credit cards

1.1170783

Purchase

Conversion to pounds

Clarity Card

£89.52

Other Credit cards

£89.52

Purchase

Foreign currency transaction fee

Clarity Card

Nil

Other Credit cards

£2.64 (2.95%)

Purchase

Final statement amount

Clarity Card

£89.52

Other Credit cards

£92.16

Comparing the cost of spending or withdrawing €100 outside the UK using our credit cards

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 Card

1.1170783

Other Credit cards

1.1170783

Cash withdrawal**

Conversion to pounds

Clarity Card

£89.52 

Other Credit cards

£89.52

Cash withdrawal**

Foreign currency transaction fee

Clarity Card

Nil

Other Credit cards

£2.64 (2.95%)

Cash withdrawal**

Cash fee

Clarity Card

Nil

Other Credit cards

£4.48 (5%)

Cash withdrawal**

Final statement amount

Clarity Card

£89.52

Other Credit cards

£96.64

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.

Going abroad soon? You no longer need to tell us

You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.
 

Before going abroad

  • Check overseas fees. We won't charge our debit card fees when you use your Ultimate Reward debit card at home or abroad. We also won’t charge these fees in relation to other current accounts you hold, for your selected weeks if you have Travel Ready added to the account. 
  • Check your credit card is activated. Our guide on how to activate your card is here.
  • Turn off Abroad Freeze if you’ve added it to the debit card you plan to use abroad.
  • Does your card expire when you are away? If your card is due to expire within 90 days, you can request a replacement card.
  • You can use our app to view your PIN number if you can't remember it.
  • Take another form of payment in case of emergency.
  • Think about setting up a Direct Debit to cover any payments due while you’re away.
  • Ensure your contact details are up to date. We may need to text or call you if we’re concerned there may be fraudulent activity on your account- you can check and update your details online.
  • If you need to get in touch, contact us. Standard network charges may apply.
  • It may be a good idea to make card payments in local currency and avoid paying the local currency conversion charges.

Have an enjoyable trip!

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Make sure you're set before you go abroad.

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