Using your cards abroad

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Our debit and credit cards are accepted worldwide

For day to day spending and access to your cash. With the same security and convenience that you get in the UK.

Compare the cost of spending or withdrawing €100 abroad using our credit or debit cards*

*The exchange rates used were the applicable rates for transactions processed on 2nd June 2014 using the Class debit card and the Platinum credit card. For information specific to individual accounts please see the relevant credit or debit card tab.

Purchase Credit card Debit card
Original transaction €100 €100
Payment scheme exchange rate 1.229223 1.227599
Conversion to sterling £81.35 £81.46
Non-sterling transaction fee £2.40 (2.95%) £2.44  (2.99%)
Non-sterling purchase fee Nill £1.00
Final statement amount £83.75 £84.90
Cash withdrawal ** Credit card Debit Card
Original transaction €100 €100
Payment scheme exchange rate 1.229223 1.227599
Conversion to sterling £81.35 £81.46
Non-sterling transaction fee £2.40 (2.95%) £2.44 (2.99%)
Non-sterling cash fee £3.00 (3.00% min £3.00) £2.00 (1.5% min £2 max £4.50)
Final statement amount £86.75 £85.90

If you had used our Travel Money service on the 2nd June 2014, €100 would have cost £85.96. The applicable rate of exchange was 1.1633.

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.

Other fees, charges and interest may apply. Please refer to your account terms and conditions or see the credit card details or debit card details accordions below for more information.

**This example assumes you allow us to covert 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.

Our fees and charges for using your credit card abroad

  Avios Reward and Premier Avios Reward All other credit cards
Non-sterling transaction fee N/A 2.95%
Cash fee (also applicable for sterling withdrawals) 3% (min £3) 3% (min £3)

Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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 abroad using our credit cards*

Purchase Avios Reward and Premier Avios Reward All other credit cards
Original transaction €100 €100
Payment scheme exchange rate 1.229223 1.229223
Conversion to sterling £81.35 £81.35
Non-sterling transaction fee  Nil £2.40 (2.95%)
Final statement amount  £81.35 £83.75
Cash withdrawal** Avios Reward and Premier Avios Reward All other credit cards
Original transaction €100 €100
Payment scheme exchange rate 1.229223 1.229223
Conversion to sterling £81.35 £81.35
Non-sterling transaction fee Nil £2.40 (2.95%)
Cash fee £3.00 £3.00
Final statement amount £84.35 £86.75

*The exchange rates used were the applicable rates for transactions processed on 2nd June 2014.

**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.

Our fees and charges for using your debit card abroad

  Platinum & Premier debit card All other debit cards Cashpoint® card
Non-sterling transaction fee 2.99% 2.99% 2.99%
Non-sterling purchase fee Nil £1.00 N/A
Non-sterling cash fee 1.5% (min £2 max £4.50) 1.5% (min £2 max £4.50) 1.5% (min £1.50)
Foreign cash fee 1.5% (min £2 max £4.50) 1.5% (min £2 max £4.50) 1.5% (min £1.50)

Compare the cost of spending or withdrawing €100 abroad using our debit cards*

*The exchange rates used were the applicable rates for transactions processed on 2nd June 2014.

Purchase Platinum & Premier debit card All other debit cards Cashpoint® card
Original Transaction €100 €100 N/A
Payment scheme exchange rate 1.227599 1.227599 N/A
Conversion to sterling £81.46 £81.46 N/A
Non-sterling transaction fee £2.44 (2.99%) £2.44 (2.99%) N/A
Non-sterling purchase fee Nil £1.00 N/A
Final statement amount £83.90 £84.90 N/A
Cash withdrawal**
Platinum & Premier debit card All other debit cards Cashpoint® card
Original Transaction €100 €100 N/A
Payment scheme exchange rate 1.227599 1.227599 1.227599
Conversion to sterling £81.46 £81.46 £81.46
Non-sterling transaction fee £2.44 (2.99%) £2.44 (2.99%) £2.44 (2.99%)
Non-sterling cash fee £2.00 (1.5% - min £2 max £4.50) £2.00 (1.5% - min £2 max £4.50) £1.50 (1.5% - min £1.50)
Final statement amount £85.90 £85.90 £85.40

**This example assumes you allow us to convert the transaction from foreign currency. If you choose to allow the provider to convert the transaction to sterling, they may make a separate charge for conversion.

We’re introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately

Statement terms  
Non-sterling transaction fee This is a fee we charge for the conversion of currency. This is a percentage value of your original transaction.
Non-sterling purchase fee This is a fee we charge for the conversion of currency. This is a percentage value of the converted sterling amount
Non sterling cash fee This is a fee we charge for the withdrawal of cash abroad using your debit card.
Foreign cash fee This is a fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider’s conversion rate to sterling. The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
Cash fee This is a fee we charge for the withdrawal of cash on a credit card whether in the UK or abroad.

Emergency numbers

Lost or stolen

In the UK:

0800 096 9779

From abroad:

(+44) 1702 278 270

    Declined card, unrecognised transactions or new PIN

    In the UK:

    0845 3000 000

    From abroad:

    (+44) 1733 347 007