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Costs for using your cards outside the UK

UK personal accounts

  1. Compare debit and credit card costs

    The table below compares the cost of spending or withdrawing €100 outside the UK using a Lloyds Bank credit or debit card. The exchange rates used were the applicable rates for transactions processed on 3rd June 2019 using the Classic debit card and the Platinum credit card. For information specific to individual accounts please see your relevant creditView our range of credit cards or debit card account.

    Purchase Credit card Debit card
    Original transaction €100 €100
    Payment scheme exchange rate 1.133037 1.13407
    Conversion to pounds £88.26 £88.18
    Foreign currency transaction fee £2.60 (2.95%) £2.64 (2.99%)
    Foreign currency purchase fee Nil £0.50
    Final statement amount £90.86 £91.31
    Cash withdrawal Credit card Debit card
    Original transaction €100 €100
    Payment scheme exchange rate 1.133037 1.13407
    Conversion to pounds £88.26 £88.18
    Foreign currency transaction fee £2.60 (2.95%) £2.64 (2.99%)
    Foreign currency cash fee £3.00 (3.00% min £3.00) £1.50
    Final statement amount £93.86 £92.31

    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®Find out more about MasterCard exchange rates or VisaFind out more about Visa exchange rates. For travel money, the exchange rate is determined by us.

    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.

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  2. Our fees and charges for using your credit card abroad

      Avios Reward and Premier Avios Reward* All other credit cards - including Avios Rewards Mastercard
    Foreign currency transaction fee N/A 2.95%
    Cash fee (also applicable for pounds withdrawals) 3% (min £3) 3% (min 3)

    Interest will be charged differently dependant on whether you have made a purchase or withdrawn cash.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 outside the UK using our credit cards**

    Purchase Avios Reward and Premier Avios Reward* All other credit cards - including Avios Rewards Mastercard
    Original transaction €100 €100
    Payment scheme exchange rate 1.133037 1.133037
    Conversion to pounds £88.26 £88.26
    Foreign currency transaction fee Nil £2.60 (2.95%)
    Final statement amount £88.26 £90.16

     

    Cash withdrawal** Avios Reward and Premier Avios Reward* All other credit cards - including Avios Rewards Mastercard
    Original transaction €100 €100
    Payment scheme exchange rate 1.133037 1.133037
    Conversion to pounds £88.26 £88.26
    Foreign currency transaction fee Nil £2.60 (2.95%)
    Foreign currency cash fee £3.00 £3.00
    Final statement amount £91.26 £93.86

    *Product not availble to new customers

    **The exchange rates used were the applicable rates for transactions processed on 3rd June 2019.

    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.

    Information on other banking chargesGet further information on other banking charges. Opens in a new browser window.

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  3. Debit card fees and charges

    The table below lets you know the fees and charges for using a Lloyds Bank debit card outside the UK.

      Platinum & Premier debit card All other debit cards Cashpoint® card
    Foreign currency transaction fee 2.99% 2.99% 2.99%
    Foreign currency purchase fee Nil £0.50 N/A
    Foreign currency cash fee £1.50 £1.50 £1.50
    Foreign cash fee £1.50 £1.50 £1.50

    The table below compares the cost of spending or withdrawing €100 outside the UK using a Lloyds Bank debit card. The exchange rates used were the applicable rates for transactions processed on 3rd June 2019.

    Purchase Platinum & Premier debit card All other debit cards Cashpoint® card
    Original transaction €100 €100 N/A
    Payment scheme exchange rate 1.13407 1.13407 N/A
    Conversion to pounds £88.18 £88.18 N/A
    Foreign currency transaction fee £2.64 (2.99%) £2.64 (2.99%) N/A
    Foreign currency purchase fee Nil £0.50 N/A
    Final statement amount £90.81 £91.31 N/A

    The example below assumes you allow us to convert the transaction from foreign currency. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.

    Cash withdrawal Platinum & Premier debit card All other debit cards Cashpoint® card
    Original transaction €100 €100 €100
    Payment scheme exchange rate 1.13407 1.13407 1.13407
    Conversion to pounds £88.18 £88.18 £88.18
    Foreign currency transaction fee £2.64 (2.99%) £2.64 (2.99%) £2.64 (2.99%)
    Foreign currency cash fee £1.50 £1.50 £1.50
    Final statement amount £92.31 £92.31 £92.31

    Information on other banking chargesGet further information on other banking charges. Opens in a new browser window.

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  4. Statement terms explained

    We're introducing improvements to your statements which will mean that you’ll see the following fees shown on your statement separately.

    Statement terms Description
    Foreign currency transaction fee This is a fee we charge for the conversion of currency. This is a percentage value of the converted pounds amount.
    Foreign currency purchase fee This is a fee we charge per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). This fee is applicable only to debit card transactions.
    Foreign currency cash fee This is a fee we charge for the withdrawal of cash abroad using your debit card.
    Foreign cash fee This is a fee we charge if you choose to complete your debit card cash withdrawal using the ATM provider’s conversion rate to pounds. The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
    Cash fee This is a fee we charge for the withdrawal of cash on a credit card whether in the UK or outside the UK.

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Channel Islands, Isle of Man and International accounts

  1. Fees and charges for using your cards outside the UK

    Islands personal accounts

    International personal 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 11-12 Esplanade, St Helier, Jersey JE2 3QA, 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  PO Box 136, Sarnia House, Le Truchot, St Peter Port, Guernsey, GY1 4EN, 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  PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ, 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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Travel

Going abroad soon? You no longer need to tell us

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.

Before going abroad

  • Check overseas fees 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!

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.