Worried about paying your mortgage? We have various ways that we can help you.
Tips and information to help you make the most of your time away.
Credit cards are very useful when you’re abroad or travelling. You can use them just as you would at home as a way of paying for things. Plus, if you need to, you can take out a cash transaction at an ATM or use to obtain local currency.
Most credit card providers charge you a fee for currency conversion when you’re abroad – and for withdrawing cash abroad you may also be charged a cash withdrawal fee. Your exchange rate will be set by your payment scheme provider – either Visa, Mastercard or American Express.
The exchange rate used below is for illustrative purposes only. We also assume that you convert the currency from euros to sterling. Depending on the provider you choose to convert your currency, there may be an additional charge added and they may use a different exchange rate, which could cost you more.
When using your credit card abroad, you’ll often be given the option to pay in local currency or convert to sterling. To make an informed decision, you’ll need to check your card’s terms and conditions to see all of the costs in detail.
If you choose to pay in local currency...
If you choose to pay in sterling...
You can, but this will incur a cash transaction fee and interest. We recommend only doing this in an emergency.
There is no quick answer to this question. It depends on what you’re using your card for.
Withdrawing cash will, most likely, be more expensive with a credit card.
To limit your interest costs in addition to any transaction fees, you may want to pay off your balances as soon as possible. For this, there are a range of different ways to pay your card.
If you can’t find your card, there’s no need to worry.
If you’re registered for Internet Banking or our Mobile Banking app you can report it lost or stolen online.
We’ll cancel the existing card straight away and send you a new one.