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Costs for using your cards outside the UK
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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 5th June 2023 using the Classic 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
1.161951
Debit card
1.16466
Purchase
Conversion to pounds
Credit card
£86.06
Debit card
£85.86
Purchase
Foreign currency transaction fee
Credit card
£2.54 (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
£88.60
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
1.161951
Debit card
1.16466
Cash withdrawal
Conversion to pounds
Credit card
£86.06
Debit card
£85.86
Cash withdrawal
Foreign currency transaction fee
Credit card
£2.54 (2.95%)
Debit card
£2.57 (2.99%)
Cash withdrawal
Foreign currency cash fee
Credit card
£4.30 (5%)
Debit card
£1.50^
Cash withdrawal
Final statement amount
Credit card
£92.90
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 the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, and the foreign currency purchase fee of £0.50 were removed on the 13th December 2019.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
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Credit cards
Credit cards
Non-sterling transaction fee
2.95%
Credit cards
Cash fee (also applicable for pounds withdrawals)
5%
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 abroad using our credit cards*
Purchase
Credit cards
Purchase
Original transaction
Credit cards
€100
Purchase
Payment scheme exchange rate
Credit cards
1.161951
Purchase
Conversion to pounds
Credit cards
£86.06
Purchase
Foreign currency transaction fee
Credit cards
£2.54 (2.95%)
Purchase
Final statement amount
Credit cards
£88.60
Cash withdrawal*
Credit cards
Cash withdrawal*
Original transaction
Credit cards
€100
Cash withdrawal*
Payment scheme exchange rate
Credit cards
1.161951
Cash withdrawal*
Conversion to pounds
Credit cards
£86.06
Cash withdrawal*
Foreign currency transaction fee
Credit cards
£2.54 (2.95%)
Cash withdrawal*
Foreign currency cash fee
Credit cards
£4.30 (5%)
Cash withdrawal*
Final statement amount
Credit cards
£92.90
*The exchange rates used were the applicable rates for transactions processed on 5th June 2023.
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.
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.
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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%.
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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
Platinum & Premier debit card
2.99%
All other debit cards
2.99%
Cashpoint® card
2.99%
Platinum & Premier debit card
Nil
All other debit cards
£0.50
Cashpoint® card
N/A
Platinum & Premier debit card
£1.50
All other debit cards
£1.50
Cashpoint® card
£1.50
Platinum & Premier debit card
£1.50
All other debit cards
£1.50
Cashpoint® card
£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 6th June 2022.
Purchase
Platinum & Premier debit card
All other debit cards
Cashpoint® card
Purchase
Original transaction
Platinum & Premier debit card
€100
All other debit cards
€100
Cashpoint® card
N/A
Purchase
Payment scheme exchange rate
Platinum & Premier debit card
1.16466
All other debit cards
1.16466
Cashpoint® card
N/A
Purchase
Conversion to pounds
Platinum & Premier debit card
£85.86
All other debit cards
£85.86
Cashpoint® card
N/A
Purchase
Foreign currency transaction fee
Platinum & Premier debit card
£2.57 (2.99%)
All other debit cards
£2.57 (2.99%)
Cashpoint® card
N/A
Purchase
Foreign currency purchase fee
Platinum & Premier debit card
Nil
All other debit cards
£0.50^
Cashpoint® card
N/A
Purchase
Final statement amount
Platinum & Premier debit card
£88.43
All other debit cards
£89.93
Cashpoint® card
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
Cash withdrawal
Original transaction
Platinum & Premier debit card
€100
All other debit cards
€100
Cashpoint® card
€100
Cash withdrawal
Payment scheme exchange rate
Platinum & Premier debit card
1.16466
All other debit cards
1.16466
Cashpoint® card
1.16466
Cash withdrawal
Conversion to pounds
Platinum & Premier debit card
£85.86
All other debit cards
£85.86
Cashpoint® card
£85.86
Cash withdrawal
Foreign currency transaction fee
Platinum & Premier debit card
£2.57 (2.99%)
All other debit cards
£2.57 (2.99%)
Cashpoint® card
£2.57 (2.99%)
Cash withdrawal
Foreign currency cash fee
Platinum & Premier debit card
£1.50^
All other debit cards
£1.50^
Cashpoint® card
£1.50^
Cash withdrawal
Final statement amount
Platinum & Premier debit card
£89.93
All other debit cards
£89.93
Cashpoint® card
£89.93
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.
Your debit card foreign currency transaction fee mark up over the ECB rate.
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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%.
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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
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
The foreign currency purchase fee does not apply to Platinum and Premier current account debit card holders.
Description
This is a fee we charge per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency). This fee is applicable only to debit card transactions. This fee is not applicable to debit card purchases in Euro inside the EEA.
Statement terms
Foreign currency cash fee
Description
This is a fee we charge for the withdrawal of cash abroad using you debit card, except for withdrawals of Euro inside the EEA where you will not be charged a foreign currency cash fee.
Statement terms
Foreign cash fee
Description
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, except for withdrawals of Euro inside the EEA where you will not be charged a foreign cash fee. 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.
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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.
Important legal information
Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).
Calls may be monitored or recorded to help us improve our quality of service.