Go paper-free
Amend paper-free preferences for your statements and correspondence.
Costs for using your cards outside the UK
UK personal account
-
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Lloyds Bank credit or debit card. The exchange rates used were the applicable rates for transactions processed on 02 June 2025 using the Classic current account debit card and the Platinum credit card. For information specific to individual accounts please see your relevant credit or debit card account.
Purchase
Credit card
Debit card
Purchase
Original transaction
Credit card
€100
Debit card
€100
Purchase
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.16466
Purchase
Conversion to pounds
Credit card
£84.39
Debit card
£85.86
Purchase
Foreign currency transaction fee
Credit card
£2.49 (2.95%)
Debit card
£2.57 (2.99%)
Purchase
Foreign currency purchase fee
Credit card
Nil
Debit card
£0.50^
Purchase
Final statement amount
Credit card
£86.88
Debit card
£88.93
Cash withdrawal
Credit card
Debit card
Cash withdrawal
Original transaction
Credit card
€100
Debit card
€100
Cash withdrawal
Payment scheme exchange rate
Credit card
1.18496
Debit card
1.16466
Cash withdrawal
Conversion to pounds
Credit card
£84.39
Debit card
£85.86
Cash withdrawal
Foreign currency transaction fee
Credit card
This fee does not apply to credit cards
Debit card
£2.57 (2.99%)
Cash withdrawal
Foreign currency cash fee
Credit card
£4.22 (5%)
Debit card
£1.50^
Cash withdrawal
Final statement amount
Credit card
£91.10
Debit card
£89.93
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.
The Foreign currency transaction fee is a fee for currency conversion.
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.
These examples assume you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.
^For debit card transactions in Euro within the EEA or UK we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
-
Credit cards
Credit cards
Non-sterling purchase fee
2.95%
Credit cards
Cash fee (also applicable for pounds withdrawals)
5%
Interest will be charged differently dependent 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
Credit cards
Purchase
Original transaction
Credit cards
€100
Purchase
Payment scheme exchange rate
Credit cards
1.18496
Purchase
Conversion to pounds
Credit cards
£84.39
Purchase
Foreign currency purchase fee
Credit cards
£2.64 (2.95%)
Purchase
Final statement amount
Credit cards
£86.88
Cash withdrawal**
Credit cards
Cash withdrawal**
Original transaction
Credit cards
€100
Cash withdrawal**
Payment scheme exchange rate
Credit cards
1.18496
Cash withdrawal**
Conversion to pounds
Credit cards
£84.39
Cash withdrawal**
Foreign currency transaction fee
Credit cards
This fee does not apply to credit cards
Cash withdrawal**
Foreign currency cash fee
Credit cards
£4.22 (5%)
Cash withdrawal**
Final statement amount
Credit cards
£91.10
*The exchange rates used were the applicable rates for transactions processed on 02 June 2025.
**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.
Pay like a local
When using your card abroad, paying in the local currency is usually the cheaper option, as the exchange rate offered by the retailer is often less favourable than those offered by Visa or Mastercard.
Helping you compare our Credit Card currency charges with other providers
You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.Your Credit Card foreign currency transaction fee mark up over the ECB rate.
##euromarkup##%
Exchange rates
The table should be used as a guide only. Rates are updated once a day on business days. We use Mastercard rates and ECB rates which are subject to change.
Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.
You can find the latest available Mastercard exchange rate here.
If you have a Visa credit card, you can find the latest available Visa exchange rate here.
Fees for currency conversion
The comparison above uses the credit card standard Foreign currency transaction fee of 2.95%.
Information on other banking charges (PDF, 262KB)
-
The table below lets you know the fees for using a Lloyds Bank debit card to make a payment or withdraw cash in a currency other than pounds, or withdraw cash in pounds outside the UK. Any Euro transaction within the EEA or UK won’t be charged the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, or the foreign currency purchase fee of £0.50.
If you ask the cash machine or terminal provider to do the currency conversion we won’t charge the foreign currency purchase fee, the foreign currency transaction fee or the foreign cash fee where you are withdrawing cash in a foreign currency in the UK. The provider of the currency conversion may charge you.
Club, Silver, Gold, Platinum and Premier debit cards
All other debit cards
Cashpoint® card
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
2.99%
Cashpoint® card
2.99%
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£0.50
Cashpoint® card
N/A
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£1.50
Cashpoint® card
£1.50
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£1.50
Cashpoint® card
£1.50
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Lloyds Bank debit card, and assumes you allow us to convert the transaction from foreign currency. The exchange rates used were the applicable rates for transactions processed on 03 June 2024.
Purchase
Club, Silver, Gold, Platinum and Premier debit cards
All other debit cards
Cashpoint® card
Purchase
Original transaction
Club, Silver, Gold, Platinum and Premier debit cards
€100
All other debit cards
€100
Cashpoint® card
N/A
Purchase
Payment scheme exchange rate
Club, Silver, Gold, Platinum and Premier debit cards
1.16466
All other debit cards
1.16466
Cashpoint® card
N/A
Purchase
Conversion to pounds
Club, Silver, Gold, Platinum and Premier debit cards
£85.86
All other debit cards
£85.86
Cashpoint® card
N/A
Purchase
Foreign currency transaction fee
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£2.57 (2.99%)
Cashpoint® card
N/A
Purchase
Foreign currency purchase fee
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£0.50^
Cashpoint® card
N/A
Purchase
Final statement amount
Club, Silver, Gold, Platinum and Premier debit cards
£85.86
All other debit cards
£88.93
Cashpoint® card
N/A
Cash withdrawal
Club, Silver, Gold, Platinum and Premier debit cards
All other debit cards
Cashpoint® card
Cash withdrawal
Original transaction
Club, Silver, Gold, Platinum and Premier debit cards
€100
All other debit cards
€100
Cashpoint® card
€100
Cash withdrawal
Payment scheme exchange rate
Club, Silver, Gold, Platinum and Premier debit cards
1.16466
All other debit cards
1.16466
Cashpoint® card
1.16466
Cash withdrawal
Conversion to pounds
Club, Silver, Gold, Platinum and Premier debit cards
£85.86
All other debit cards
£85.86
Cashpoint® card
£85.86
Cash withdrawal
Foreign currency transaction fee
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£2.57 (2.99%)
Cashpoint® card
£2.57 (2.99%)
Cash withdrawal
Foreign currency cash fee
Club, Silver, Gold, Platinum and Premier debit cards
Nil
All other debit cards
£1.50^
Cashpoint® card
£1.50^
Cash withdrawal
Final statement amount
Club, Silver, Gold, Platinum and Premier debit cards
£85.86
All other debit cards
£89.93
Cashpoint® card
£89.93
^For debit card transactions in Euro within the EEA or UK, we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
Helping you compare our debit and Cashpoint Card currency charges with other providers
You can now compare our currency conversion charges for card transactions in euro and other EEA currencies. We display these charges as a percentage mark up over the European Central Bank reference rate (ECB rate). The table below does not take into account any other transaction costs we charge, for example foreign currency cash fees.
We won’t charge a fee for currency conversion or any other debit card fees on transactions or withdrawals at home or abroad where a Club, Silver, Gold, Platinum and Premier debit card has been used, or on transactions in selected weeks if you have added Travel Smart to your account.
Your debit card foreign currency transaction fee mark up over the ECB rate.
##euromarkupv##%
Exchange rates
The table should be used as a guide only. Rates are updated once a day on business days. We use Visa rates and ECB rates which are subject to change.
Transactions in EEA currencies other than euro will be converted to euro first, then pounds sterling.
You can find the latest available Visa exchange rate here.
Fees for currency conversion
The comparison above uses the debit and Cashpoint Card standard Foreign currency transaction fee of 2.99%.
-
The following fees if charged will be shown separately on your statement.
We won’t charge our debit card fees on transactions or withdrawals at home or abroad where a Club, Silver, Gold, Platinum and Premier debit card has been used, or on other current accounts you hold, for your selected weeks if you have added Travel Smart to the account.
Statement terms
Description
Statement terms
Foreign currency transaction fee
Description
This is a fee we charge for the conversion of currency. This is a percentage value of the converted pounds amount.
Statement terms
Foreign currency purchase fee
Description
This is a fee we charge per transaction when you make a purchase in a foreign currency (not a cash withdrawal or purchase of foreign currency). This fee is applicable only to debit card transactions. This fee does not apply to debit card purchases in Euro within the EEA or UK, or transactions outside the UK where you choose to pay in pounds and allow the retailer to do the conversion.
Statement terms
Foreign currency cash fee
Description
This is a fee we charge for the withdrawal of foreign currency, and pounds Sterling outside the UK using your debit card. This fee does not apply to the withdrawal of Euro within the EEA or UK.
Statement terms
Foreign cash fee
Description
This is a fee we charge if you choose to complete your withdrawal of foreign currency, or Pounds sterling outside the UK using the ATM providers conversion rate to pounds. This fee will not apply to withdrawals in Euro within the EEA or UK.
The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
Statement terms
Cash fee
Description
This is a fee we charge for the withdrawal of cash on a credit card whether in the UK or outside the UK.
-
Fees and charges for using your cards outside the UK
International personal accounts (PDF, 145KB)PDF opens in a new tab.
WorldWide service accounts
Important legal information (Channel Islands, Isle of Man and International accounts)
Lloyds Bank Corporate Markets plc. Registered Office and principal place of business: 25 Gresham Street, London, EC2V 7HN. Registered in England and Wales no. 10399850. Lloyds Bank Corporate Markets plc in the UK is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 763256. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.
Services provided by the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc will be subject to the regulatory regime applicable in their respective jurisdiction, which will differ in some or all respects from that of the UK. Further information about the regulatory status of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc, is set out below.
The Jersey branch of Lloyds Bank Corporate Markets plc, principal place of business 9 Broad Street, St. Helier, Jersey JE2 3RR, is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and general insurance mediation business under the Financial Services (Jersey) Law 1998 and has also notified the Jersey Financial Services Commission that it carries on money service business. Lloyds Bank Corporate Markets plc, Jersey Branch, subscribes to the Jersey Code of Practice for Consumer Lending.
The Guernsey branch of Lloyds Bank Corporate Markets plc, principal place of business 1 Smith Street, St. Peter Port, Guernsey GY1 2JN, is licensed by the Guernsey Financial Services Commission to take deposits and insurance intermediary business under the Banking Supervision (Bailiwick of Guernsey) Law, 1994, and the Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.
The Isle of Man branch of Lloyds Bank Corporate Markets plc, principal place of business Villiers House, 2 Victoria Street, Douglas, Isle of Man, IM1 2LN, is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and is also registered as an insurance intermediary in respect of general business.
Lloyds Bank International is a trading name of the Jersey, Guernsey and Isle of Man branches of Lloyds Bank Corporate Markets plc.
Banking online
It's simple and safe to manage your travel needs in our app or on our website.
