Using debit cards abroad

  1. Benefits of using your debit card abroad

    • If you're going abroad you can withdraw cash and pay for things with your Lloyds Bank Visa debit card wherever you see the Visa symbol – just the same as you do at home.
    • It's a more convenient and safer way than carrying cash.
    • Pay for hotels, sightseeing, shopping and eating out – your Lloyds Bank Visa debit card is accepted all over the world.
    • Flexible – get extra spending money from cash machines when you’re abroad.

    Our helpline is open 24/7, but keep in mind calls from abroad are charged according to the telephone service provider’s published tariff.

    If you're planning on using your credit cards abroad, you can find out more in using your debit and credit cards abroad.

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  2. Costs for using debit cards abroad

    Transactions abroad Charges
    Cash withdrawals and purchases The amount is converted to sterling on the day it is processed by Visa, using the Visa payment scheme exchange rate. There’s also a non-sterling transaction fee of 2.99%.
    Cash withdrawals Debit cards: a non-sterling cash fee of 1.5% of the value of the withdrawal. The minimum charge for each transaction is £2 and the maximum charge is £4.50.

    Cashpoint® cards: a non-sterling cash fee of 1.5% of the value of the withdrawal, with a minimum charge of £1.50. There's no maximum transaction fee.

    Keep in mind other charges apply, so please see the banking charges guide for details.
    Making a purchase or other transaction (not cash withdrawal, foreign currency or Travellers Cheque purchase) in a currency other than sterling whether you are in the UK or abroad A £1 non-sterling purchase fee is made for each transaction. This does not apply to Platinum debit card or Premier debit card holders.

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  3. Before you go abroad

    Before you go abroad, it's a good idea to make using your Lloyds Bank Visa debit card abroad as hassle-free as possible. You can do this by:

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  4. Once you're abroad

    Once you're abroad, you can use your Lloyds Bank Visa debit card in the same way you do at home. Whether you’re paying for a hotel, a meal, or buying petrol from a garage or a supermarket, you’ll have the same security and peace of mind.

    • You can withdraw cash from cash machines or over the counter at any bank displaying the Visa symbol. You can withdraw money up to your limit in sterling, as long as you have the cleared funds available in your account.
    • When you pay by Visa debit card you’re protected against fraud for any unauthorised spending.

    If you're withdrawing money from over the counter, you'll need to know your PIN and have a form of ID with you – a valid passport will do.

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  5. Looking for a different travel service?

    We offer many ways to help you have a trouble-free trip abroad, so take a look at all we have to offer.

    See all travel services

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Emergency contact numbers

If your card is lost or stolen while you’re abroad, call us on:

+44 1702 278 270Telephone 00 44 1702 278 270

Lines are open 24/7

If your card is declined, there are transactions you don't recognise or you need a new PIN, call:

+44 1733 347 007Telephone 00 44 1733 347 007

Lines are open 24/7

Keep in mind calls from abroad are charged according to the telephone service provider's published tariff.

Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

Calls may be monitored or recorded.