We are experiencing a high number of calls at the moment. So that we can support those in the most vulnerable situations, please only call if it is urgent. Remember, you can do most of your banking tasks yourself online, either using our app or through Internet Banking

 

Costs for using your cards outside the UK

UK personal accounts

  • 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 1st June 2020 using the Classic debit card and the Platinum credit card. For information specific to individual accounts please see your relevanFor 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

    1.113654

    Debit card

    1.10438

    Purchase

    Conversion to pounds

    Credit card

    £89.79

    Debit card

    £90.55

    Purchase

    Foreign currency transaction fee

    Credit card

    £2.65 (2.95%)

    Debit card

    £2.71 (2.99%)

    Purchase

    Foreign currency purchase fee

    Credit card

    Nil

    Debit card

    £0.50^

    Purchase

    Final statement amount

    Credit card

    £92.44

    Debit card

    £93.76

    Cash withdrawal

    Credit card

    Debit card

    Cash withdrawal

    Original transaction

    Credit card

    €100

    Debit card

    €100

    Cash withdrawal

    Payment scheme exchange rate

    Credit card

    1.113654

    Debit card

    1.10438

    Cash withdrawal

    Conversion to pounds

    Credit card

    £89.79

    Debit card

    £90.55

    Cash withdrawal

    Foreign currency transaction fee

    Credit card

    £2.65 (2.95%)

    Debit card

    £2.71 (2.99%)

    Cash withdrawal

    Foreign currency cash fee

    Credit card

    £4.49 (5%)

    Debit card

    £1.50^

    Cash withdrawal

    Final statement amount

    Credit card

    £96.93

    Debit card

    £94.76

    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.

  • Our fees and charges for using your credit card abroad

    Credit cards

    Credit cards

    Non-sterling transaction fee

    2.95%

    Credit cards

    Cash fee (also applicable for pounds withdrawals)

    5%

    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

    1.113654

    Purchase

    Conversion to pounds

    Credit cards

    £89.79

    Purchase

    Foreign currency transaction fee

    Credit cards

    £2.65 (2.95%)

    Purchase

    Final statement amount

    Credit cards

    £92.44

    Cash withdrawal*

    Credit cards

    Cash withdrawal*

    Original transaction

    Credit cards

    €100

    Cash withdrawal*

    Payment scheme exchange rate

    Credit cards

    1.113654

    Cash withdrawal*

    Conversion to pounds

    Credit cards

    £89.79

    Cash withdrawal*

    Foreign currency transaction fee

    Credit cards

    £2.65 (2.95%)

    Cash withdrawal*

     Foreign currency cash fee

    Credit cards

    £4.49 (5%)

    Cash withdrawal*

    Final statement amount

    Credit cards

    £96.93

    *The exchange rates used were the applicable rates for transactions processed on 1st June 2020.

    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.

    PDF opens in a new tab.

    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.

    £
    Indicative transaction value (excl Fees)
    Transaction Fee Rate
    Transaction Fee
    Indicative Statement Value (incl Fees)
    ECB to Sterling equivalent Indicative transaction Value
    ECB to card variance
    ECB Markup sub
    ECB Mark up
    ECB Pairing Rate
    Cash Transaction Ffee

    Edit Key/Value Pair Calculator

    Edit Key/Value Pair Calculator

     

      

       

    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%.

  • 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%

     

    Foreign currency purchase fee^

    Platinum & Premier debit card

    Nil

    All other debit cards

    £0.50

    Cashpoint® card

    N/A

     

    Foreign currency cash fee^

    Platinum & Premier debit card

    £1.50

    All other debit cards

    £1.50

    Cashpoint® card

    £1.50

     

    Foreign cash fee^

    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 1st June 2020.

    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

    1.10438

    All other debit cards

    1.10438

    Cashpoint® card

    N/A

    Purchase

    Conversion to pounds

    Platinum & Premier debit card

    £90.55

    All other debit cards

    £90.55

    Cashpoint® card

    N/A

    Purchase

    Foreign currency transaction fee

    Platinum & Premier debit card

    £2.71 (2.99%)

    All other debit cards

    £2.71 (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

    £93.26

    All other debit cards

    £93.76

    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

    1.10438

    All other debit cards

    1.10438

    Cashpoint® card

    1.10438

    Cash withdrawal

    Conversion to pounds

    Platinum & Premier debit card

    £90.55

    All other debit cards

    £90.55

    Cashpoint® card

    £90.55

    Cash withdrawal

    Foreign currency transaction fee

    Platinum & Premier debit card

    £2.71 (2.99%)

    All other debit cards

    £2.71 (2.99%)

    Cashpoint® card

    £2.71 (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

    £94.76

    All other debit cards

    £94.76

    Cashpoint® card

    £94.76

    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.

    Indicative transaction value (excl Fees)
    Transaction Fee Rate
    Transaction Fee
    Indicative Statement Value (incl Fees)
    ECB to Sterling equivalent Indicative transaction Value
    ECB to card variance
    ECB Markup sub
    ECB Mark up
    ECB Pairing Rate
    Cash Transaction Ffee

    Edit Key/Value Pair Calculator

    Edit Key/Value Pair Calculator

     

      

       

    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%.

  • 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

    Description

    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. 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.

Channel Islands, Isle of Man and International accounts

  • Fees and charges for using your cards outside the UK

    Islands personal accounts

    International personal accounts (PDF)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 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.

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 278 270

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 347 007

Lines are open 24/7

Keep in mind calls from abroad are charged according to the telephone service provider's published tariff.

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).

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.