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.

    Find out about the costs of using your cards abroad.

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  2. Costs for using debit cards abroad

    Transactions abroad Charges
    Withdrawing cash in a currency other than sterling, or withdrawing sterling 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 sterling, or to withdraw cash in sterling outside the UK, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme exchange rate. We will charge you a non-sterling transaction fee of 2.99% of the amount of the transaction and a non-sterling 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 sterling If you use your debit card to make a purchase in a currency other than sterling, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme exchange rate. We will charge you a non-sterling transaction fee of 2.99% of the amount of the transaction and a non-sterling purchase fee of £0.50 for each payment. The non-sterling purchase fee does not apply to Platinum or Premier debit card holders.
    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.

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

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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:

    • notifying us before you travel. It only takes a few minutes to tell us your travel plans. Just log on to Internet Banking and fill in our simple online form, or find it in the Menu of your Lloyds Mobile Banking app.
    • making sure we have your most up-to-date contact number before you go. You can update your details by logging on to Internet Banking, calling us on 0345 606 2172 or visiting your nearest branch. We promise we won’t use your number for marketing purposes unless you have already agreed to it.
    • saving our overseas number (+44 1733 347 007Telephone 00 44 1733 347 007) on your mobile in case you need to get in touch with us (Keep in mind calls from abroad are charged according to the telephone service provider’s published tariff).

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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.