If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

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

    You can use your debit card to withdraw £500 or equivalent per day. We’ll make the following charges when you use your debit card to make a transaction in a currency other than pounds:


    Debit card transaction fees

    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.

  • Compare card usage costs

    Compare the cost of spending or withdrawing €100 outside the UK using our credit or debit cards*.

    *The exchange rates used were the applicable rates for transactions processed on 1st June 2020.

    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

    1.113654

    Debit card

    1.10438

    Purchase

    Conversion to pounds

    Credit card

    £89.79

    Debit card

    £90.55

    Purchase

    Foreign currency transaction fee

    Credit card

    £2.65 (2.95%)

    Debit card

    £2.71 (2.99%)

    Purchase

    Foreign currency purchase fee

    Credit card

    Nil

    Debit card

    £0.50^

    Purchase

    Final statement amount

    Credit card

    £92.44

    Debit card

    £93.76

    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

    1.113654

    Debit card

    1.10438

    Cash withdrawal**

    Conversion to pounds

    Credit card

    £89.79

    Debit card

    £90.55

    Cash withdrawal**

    Foreign currency transaction fee

    Credit card

    £2.65 (2.95%)

    Debit card

    £2.71 (2.99%)

    Cash withdrawal**

    Foreign currency purchase fee

    Credit card

    £4.49 (5%)

    Debit card

    £1.50^

    Cash withdrawal**

    Final statement amount

    Credit card

    £96.93

    Debit card

    £94.76

    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 or travellers cheques). 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.

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 1st June 2020.

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

1.113654

Other Credit cards

1.113654

Purchase

Conversion to pounds

Clarity Card

£89.79

Other Credit cards

£89.79

Purchase

Foreign currency transaction fee

Clarity Card

Nil

Other Credit cards

£2.65 (2.95%)

Purchase

Final statement amount

Clarity Card

£89.79

Other Credit cards

£92.44

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

1.113654

Other Credit cards

1.113654

Cash withdrawal**

Conversion to pounds

Clarity Card

£89.79

Other Credit cards

£89.79

Cash withdrawal**

Foreign currency transaction fee

Clarity Card

Nil

Other Credit cards

£2.65 (2.95%)

Cash withdrawal**

Cash fee

Clarity Card

Nil

Other Credit cards

£4.49 (5%)

Cash withdrawal**

Final statement amount

Clarity Card

£89.79

Other Credit cards

£96.93

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 outside the UK fees here.
  • Ensure your cards do not expire when you are away. Please check your expiry date.
  • Take another form of payment in case of emergency.
  • Ensure your contact details are up to date so we can contact you if we are concerned there may be fraudulent activity on your account - update here.
  • Take note of our overseas number to call in an emergency +44 (0)113 242 1984.

Have an enjoyable trip!

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