Using your cards abroad

Take your Lloyds debit and credit cards with you, for a convenient way to spend abroad.

Check if you're fee-free

Top tips for using your card abroad

Thinking of using your card abroad

Here you can select the type of card you're thinking of using, to see more about using it while abroad. You can also find out about any fees you may be charged.

Overview on using your debit card abroad
Using your debit card abroad You can use your debit card to spend or withdraw cash worldwide. Just use it in the same way you do at home, wherever you see the Visa symbol. We convert card transactions into pounds using the Visa exchange rate. When using your card abroad, you should select to pay in the local currency in order to get this rate. If you choose to pay in pounds, the provider will do the currency conversion and there may be separate charges for this, which are often higher. We don't set any additional limits on how much cash you can withdraw each day when you're abroad. Costs for using your debit card abroad Club, Silver, Gold, Platinum or Premier account holders We don't charge any fees when you use your debit card to shop or withdraw cash abroad. So the amount you pay in pounds is just based on the Visa exchange rate conversion. Classic or Basic account holders You can add Travel Smart to your account to use your debit card abroad without any fees from us in your selected weeks. Otherwise, fees apply. You can check them here.

Overview on using your credit card abroad
Using your credit card abroad You can use your credit card to pay for things abroad in the same way you would at home. You also get the same level of protection under Section 75 of the Consumer Credit Act 1974. If you make a non-sterling purchase, as well as being subject to the Mastercard or Visa exchange rate, you may be charged interest and fees. Take some time to check the fees that may apply when using your credit card for foreign currency transactions. More about using your credit card abroad.

Costs for using your cards outside the UK

Costs when using your debit card abroad expandable section

Here you can see if there are any fees for using your Lloyds debit card to:

make a payment or withdraw cash in a currency other than pounds
withdraw cash in pounds outside the UK.

	Club, Silver, Gold, Platinum and Premier debit cards	All other debit cards, Cashpoint® card - Euros within EEA or UK	All other debit cards - other	Cashpoint® card - other
Foreign currency transaction fee	Club, Silver, Gold, Platinum and Premier debit cards Nil	All other debit cards, Cashpoint® card - Euros within EEA or UK 2.99%	All other debit cards - other 2.99%	Cashpoint® card - other 2.99%
Foreign currency purchase fee	Club, Silver, Gold, Platinum and Premier debit cards Nil	All other debit cards, Cashpoint® card - Euros within EEA or UK Nil	All other debit cards - other £0.50	Cashpoint® card - other N/A
Foreign currency cash fee	Club, Silver, Gold, Platinum and Premier debit cards Nil	All other debit cards, Cashpoint® card - Euros within EEA or UK Nil	All other debit cards - other £1.50	Cashpoint® card - other £1.50
Foreign cash fee	Club, Silver, Gold, Platinum and Premier debit cards Nil	All other debit cards, Cashpoint® card - Euros within EEA or UK Nil	All other debit cards - other £1.50	Cashpoint® card - other £1.50

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.

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

Transaction Currency


Your debit card foreign currency transaction fee mark up over the ECB rate.	##euromarkupv##%

Your debit card foreign currency transaction fee mark up over the ECB rate.

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Information on other banking charges (PDF, 262KB)

Costs when using your credit card abroad expandable section

Here you can see the fees for using your Lloyds credit card to:

make a payment or withdraw cash in a currency other than pounds
withdraw cash in pounds outside the UK.

	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.

Transaction Currency


Your Credit Card foreign currency transaction fee mark up over the ECB rate.	##euromarkup##%

Your Credit Card foreign currency transaction fee mark up over the ECB rate.

##euromarkup##%

Information on other banking charges (PDF, 262KB)

Compare costs for using your credit or debit card abroad expandable section

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

Statement terms explained expandable section

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.

Channel Islands, Isle of Man and International accounts

Fees and charges for using your cards outside the UK expandable section

Fees and charges for using your cards outside the UK

Islands personal accounts

International personal accounts (PDF, 145KB).

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.

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Using your cards abroad

Top tips for using your card abroad

Before you go

When you're away

Thinking of using your card abroad

Using your debit card abroad

Costs for using your debit card abroad

Club, Silver, Gold, Platinum or Premier account holders

Classic or Basic account holders

Using your credit card abroad

Costs for using your cards outside the UK

Channel Islands, Isle of Man and International accounts

Important legal information (Channel Islands, Isle of Man and International accounts)

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