Use your debit card with confidence

From car hire and trips to the waterpark, to lunch out and drinks by the pool, your Lloyds Bank Visa debit card lets you make quick and secure payments on the go.

It’s the convenient and safer alternative to carrying lots of foreign currency as you’re protected with the same 24/7 antifraud security as at home.

Welcomed at over 44 million places in 200 countries, your debit card can be used wherever you see the Visa sign.

Get to know the charges for using your debit card outside the UK

You’ll be charged two fees on every purchase.

Foreign currency transaction fee
A percentage of the cost, added to each purchase you make.

Foreign currency purchase fee
A flat fee, so no matter the cost of your purchase, you’ll be charged the same amount.  So you decide when to pay with your Lloyds Bank Visa debit card or when to pay with your foreign currency.

Know the cost of using your card outside the UK

If you bought four entry tickets to a water park worth £100, you’d pay a £2.99 (2.99%) foreign currency transaction fee and a 50p purchase fee, totalling £103.49.

For drinks and snacks worth £30, you’d pay a 90p (2.99%) foreign currency transaction fee and a 50p purchase fee, totalling £31.40.

For two coffees worth £4, you’d pay 12p (2.99%) foreign currency transaction fee and a 50p purchase fee, totalling £4.62.

Or for lunch on the beach worth £10 you’d pay 30p (2.99%) foreign currency transaction fee and a 50p purchase fee, totalling £10.80.

Full breakdown of costs >

Platinum or Premier customer?

Did you know that as a Platinum or Premier customer, you won’t be charged a purchase fee, except at an overseas ATM?

Have a look at our full costs breakdown.

Choose local currency when paying by card

You may be asked if you want to pay in pounds or local currency when you're paying for something on your Lloyds Bank Visa debit card. We recommend you always choose local currency, as it will help you avoid paying local currency conversion charges, which can be more expensive.

Withdrawing cash in a foreign country, may cost you more

Paying with your debit card is usually cheaper than using it to withdraw money from an overseas ATM*.

If you take out cash with your debit card you will be charged fees, which may be higher than when paying with your card.

If you do decide to withdraw cash, it’s worth checking the overseas ATM withdrawal limit so you know how much you can take out before attempting to withdraw any cash. Also use ATMs with the Visa logo, in well-lit and busy areas, preferably attached to established banks.

Avoid having foreign currency left over

It’s handy to have some foreign currency to pay for ice creams and drinks when you’re abroad, but for many, especially if you’re going all inclusive, you probably won’t need as much as you think. The temptation is if you’ve got it, you’ll end up spending it at the airport on things you really don’t need.

Top tip is avoid exchanging currency while you’re at the airport or abroad because they often have higher exchange rates and can carry commission fees.

Going abroad? You no longer need to tell us

Our fraud and security systems are always on the lookout for suspicious activity on your accounts, so you can relax while you’re away from home.

Check your contact details

Make sure we have the right phone number and email address for you in case we need to get in touch about your account. You can update your details in branch.

Keep our 24/7 emergency numbers handy

If your Lloyds Bank Visa debit card is lost or stolen while you’re abroad call us on:
+44 1702 278 270

If your Lloyds Bank Visa debit card is declined, there are transactions you don’t recognise, or you need a new PIN call:
+44 1733 347 007

These calls will be charged at the telephone service provider’s published tariff.

Download the mobile banking app

Use the app to check your holiday spending while you’re away. Remember to use it while you’re on a secure WiFi connection to avoid roaming charges from your phone provider.

Find out more information about the app and how to download it.