Inside content area, use arrow keys or tab to access content

Using debit cards outside the UK

  1. Benefits of using your debit card outside the UK

    • If you're going outside the UK 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 outside the UK.

    Our helpline is open 7am - 11pm, seven days a week, but keep in mind calls from abroad are charged according to the telephone service provider’s published tariff.

    Find out about the costs of using your cards outside the UK.

    Back to top

  2. Costs for using debit cards outside the UK

    Transactions outside the UKCharges
    Withdrawing cash in a currency other than pounds, or withdrawing pounds outside the UK, (at a cash machine or over the counter) If you use your debit card to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction and a foreign currency cash fee of £1.50 for each withdrawal.

    Where you elect to allow the cash machine operator/financial service provider to make the conversion to sterling for you, we will only charge a foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency may make a separate charge for conversion.
    Buying goods or services in a currency other than pounds If you use your debit card to make a purchase in a currency other than pounds, the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction and a foreign currency purchase fee of £0.50 for each payment. The foreign currency purchase fee does not apply to Platinum or Premier debit card holders.

    Keep in mind other charges apply, so please see the banking charges guide for details

    Back to top

  3. Before you go outside the UK

    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.

    • Check fees outside the UK 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 1733 347 007.

    Have an enjoyable trip!

    Back to top

  4. Once you're outside the UK

    Once you're outside the UK, 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.

    Back to top

  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

    Back to top

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.