Using your cards abroad

Our debit and credit cards can be used anywhere in the world that accepts Visa cards.
You can withdraw cash abroad from any ATM that accepts Visa cards (not Cash Card+
You can't use Cash Card+ at an ATM outside the UK. You can use it worldwide to withdraw cash over-the-counter
).

Fees for using your card abroad

There may be fees for making a purchase or withdrawing cash in a foreign currency. What you'll pay will depend on the transaction you make and the card you use.

How this page could help you

Understand our fees and the exchange rate we use
See worked examples of foreign purchases and cash withdrawals
Compare the costs of using our cards abroad

Useful travel links

Lost or stolen cards

Lost or stolen cards

Please call us. We're here 24 hours a day, 7 days a week.
FlexAccount debit card
08457 30 20 10 (from the UK)
+44 1793 65 67 89 (from abroad)
FlexDirect debit card
08457 30 20 18 (from the UK)
+44 1793 65 67 89 (from abroad)
FlexPlus debit card
08457 33 55 44 (from the UK)
+44 1793 54 12 00 (from abroad)
Savings cards
08457 30 20 10 (from the UK)
+44 1793 65 67 89 (from abroad)
Credit cards
08457 99 22 22 (from the UK)
+44 2476 43 89 96 (from abroad)

See our contact us page for more ways to get in touch.
Travel insurance emergency assistance

Travel Insurance Emergency Assistance
FlexAccount European Travel Insurance
For 24 Hour emergency assistance call:
+44 1413 49 01 09 (from abroad)
01413 49 01 09 (from the UK)
FlexPlus Worldwide Travel Insurance
For 24 hour emergency assistance call the insurer directly:
+ 44 1413 49 02 88 (from abroad)
01413 49 02 88 (from the UK)
For claims and enquiries call the FlexPlus helpline:
+44 1793 54 12 00 (from abroad)
08457 33 55 44 (from the UK)

See our contact us page for more ways to get in touch.
Tell us you're going abroad
Tell us you're going abroad

Please let us know if you are planning to use your cards abroad, this could reduce the possibility of your cards being restricted while you’re away.
1. Log in to the Online Bank
2. Select your account from the account menu
3. Select Other account services, from the menu on the left side of your screen
4. Under Account services, select Travel notifications
5. Follow the instructions to add new notifications.
Problem while you're away? See our contact us page for ways to get in touch.
Find an ATM
Cash withdrawal limits
Cash withdrawal limits
- A daily withdrawal limit of £300 (or equivalent in foreign currency) applies to ATM cash withdrawals in the UK and abroad.
- Cash withdrawal limits also apply to all credit card accounts. See your credit card statement for details of your available cash limit.
- You can't use Cash Card+ at an ATM outside the UK. You can use it worldwide to withdraw cash over-the-counter.
- Over-the-counter withdrawals can be made at a bureau-de-change, bank or post office that accepts Visa cards. You may be asked for ID when you present your card.
- You'll be charged interest at 'cash rates' on credit card cash withdrawals from the date the transaction is posted to your account.

Show me the costs for these cards (choose up to 3 at a time)

Clear card selection

FlexAccount Debit Card
FlexDirect Debit Card
FlexPlus Debit Card
Cash Card+ Debit Card
Nationwide Credit Card
Select Credit Card
Cash Reward Credit Card
Gold Credit Card
Classic Credit Card

Based on a purchasewithdrawal of 100 Euros processed on 4 June 2012

Foreign purchase example

You make a foreign purchase whenever you use your card to buy something in a foreign currency. The examples below show how a foreign purchase is converted into sterling and how our fees are applied.

Please select at least one card from the above list

	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	Cash Card+ Debit Card	Nationwide Credit Card			Select Credit Card	Cash Reward Credit Card* (closed to new business)	Gold Credit Card* (closed to new business)	Classic Credit Card* (closed to new business)
Purchase amount	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100 within Visa Europe region	€100 within Visa Europe region
Commission-free allowance Whenever you use your Nationwide Credit Card to buy something in sterling, you'll earn commission-free allowance for foreign purchases. See points to note below for more information.	Not applicable	Not applicable	Not applicable	Not applicable	No allowance earned yet	£50.00 allowance earned	Sufficient allowance to cover purchase	Not applicable	Not applicable	Not applicable	Not applicable
€100 @ Visa Exchange Rate Visa Exchange Rate on 4 June 2012 was €1=£0.807689. Shown on statement as £1=€1.238083	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77
Non-Sterling Transaction Fee Non-sterling Transaction Fee - our commission charge for transactions made in a foreign currency.	£1.62 (2%)	£1.62 (2%)	£1.62 (2%)	£1.62 (2%)	£1.62 (2%)	£80.77 -£50.00 £30.77 @2% £0.62	No fee	No fee	No fee	No fee	No fee
Cost to you	£82.39	£82.39	£82.39	£82.39	£82.39	£81.39	£80.77	£80.77	£80.77	£80.77	£80.77

Points to note: Nationwide Credit Card commission free allowance

Every time you make a purchase transaction with your Nationwide Credit Card in sterling you will earn commission-free allowance at a rate of 5:1 that entitles you to make commission-free non-sterling purchases up to the value of that allowance.

For example, if you spend £100 on your shopping in the UK, you will automatically be rewarded with £20 worth of commission-free allowance to use on non-sterling purchases (not cash withdrawals).

You can find details of the commission-free allowance you have earned on your statement.

Example of a foreign purchase outside the Visa Europe region
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	Cash Card+ Debit Card	Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card (closed to new business)	Classic Credit Card (closed to new business)	Gold Credit Card (closed to new business)
Purchase amount	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	$100	$100	$100
$100 @ VISA Exchange Rate adjusted by 1% Payment Scheme Exchange Fee Visa Exchange Rate on 4th June 2012 was $1 = £0.655076. Plus 1% for Payment Scheme Exchange Fee = £0.661627 Shown on statement as £1 = $1.511487 The cost to you of the 1% Payment Scheme Exchange Fee can be calculated from the sterling amount printed on your statement. In this example: £66.16 x 1/101 = 66p							£66.16	£66.16	£66.16
Non-Sterling Transaction Fee Non-sterling Transaction Fee - our commission charge for transactions made in a foreign currency.							No Fee	No Fee	No Fee
Cost to you	-	-	-	-	-	-	£66.16	£66.16	£66.16

Foreign cash withdrawal example

You make a foreign cash withdrawal whenever you use your card to withdraw foreign currency from an ATM or buy it over-the-counter at a bureau-de-change/bank/Post Office ®. The examples below show how a foreign cash withdrawal is converted into sterling and how our fees are applied.

Please select at least one card from the above list

Example of a foreign cash withdrawal - outside the UK You could be withdrawing cash from a foreign ATM while on holiday abroad or buying it over-the-counter.
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	Cash Card+ Debit Card	Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card* (closed to new business)	Gold Credit Card* (closed to new business)	Classic Credit Card* (closed to new business)
Cash withdrawal amount	€100	€100	€100	€100 Cash withdrawals are over-the-counter only	€100	€100	€100	€100 within the Visa Europe region	€100 within the Visa Europe region
€100 @ Visa Exchange Rate Visa Exchange Rate on 4 June 2012 was €1=£0.807689. Shown on statement as £1=€1.238083	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77
Non-Sterling Transaction Fee Non-sterling Transaction Fee - our commission charge for transactions made in a foreign currency.	£1.62 (2%)	£1.62 (2%)	No fee	£1.62 (2%)	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Non-Sterling Cash Fee Non-sterling Cash Fee - a charge for cash withdrawals made in a foreign currency. Abbreviated on credit card statements to 'Cash Fee'.	£1.00	£1.00	No fee	£1.00	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)
Cost to you The bureau / ATM owner may also make a charge. For credit card cash withdrawals, you'll be charged interest at 'cash rates' from the date the transaction is posted to your account.	£83.39	£83.39	£80.77	£83.39	£83.77	£83.77	£83.77	£83.77	£83.77

	Example of a cash withdrawal outside the Visa Europe region
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	Cash Card+ Debit Card	Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card (closed to new business)	Gold Credit Card (closed to new business)	Classic Credit Card (closed to new business)
Cash withdrawal amount	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	$100	$100	$100
$100 @ VISA Exchange Rate adjusted by 1% Payment Scheme Exchange Fee Visa Exchange Rate on 4th June 2012 was $1 = £0.655076. Plus 1% for Payment Scheme Exchange Fee = £0.661627 Shown on statement as £1 = $1.511487 The cost to you of the 1% Payment Scheme Exchange Fee can be calculated from the sterling amount printed on your statement. In this example: £66.16 x 1/101 = 66p							£66.16	£66.16	£66.16
Non-Sterling Cash Fee Non-sterling Cash Fee - a charge for cash withdrawals made in a foreign currency. Abbreviated on credit card statements to 'Cash Fee'.							£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)
Cost to you The bureau / ATM owner may also make a charge	-	-	-	-	-	-	£69.16	£69.16	£69.16

	LINK ATM or over-the-counter	Non-LINK ATM	LINK ATM or over-the-counter	Non-LINK ATM	FlexPlus Debit Card	LINK ATM or over-the-counter	Non-LINK ATM	Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card (closed to new business)	Gold Credit Card(closed to new business)	Classic Credit Card(closed to new business)
	FlexAccount Debit Card		FlexDirect Debit Card		FlexPlus Debit Card	Cash Card+ Debit Card		Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card (closed to new business)	Gold Credit Card(closed to new business)	Classic Credit Card(closed to new business)
Example of withdrawing or buying foreign cash - within the UK You could be withdrawing foreign cash from an ATM within the UK, or buying it over-the-counter before you go abroad.
Cash withdrawal amount	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100
€100 @ an exchange rate set by your supplier Nationwide doesn't sell foreign currency and so the exchange rate will be set by your supplier. To indicate what the cost might be, we've used the Visa Exchange Rate in our UK foreign cash withdrawal examples. For example, Visa Exchange Rate on 4 June 2012 was €1=£0.807689. Shown on statement as £1=€1.238083	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77	£80.77
Non-Sterling Transaction Fee Non-sterling Transaction Fee - our commission charge for transactions made in a foreign currency.	No fee	£1.62 (2%)	No fee	£1.62 (2%)	No fee	No fee	£1.62 (2%)	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Non-Sterling Cash Fee Non-sterling Cash Fee - a charge for cash withdrawals made in a foreign currency. Abbreviated on credit card statements to 'Cash Fee'.	No fee	£1.00	No fee	£1.00	No fee	No fee	£1.00	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)
Indicative cost to you Nationwide doesn't sell foreign currency and so the exchange rate will be set by your supplier. To indicate what the cost might be, we've used the Visa Exchange Rate in our UK foreign cash withdrawal examples. The bureau / ATM owner may also make a charge. For credit card cash withdrawals, you'll be charged interest at 'cash rates' from the date the transaction is posted to your account.	£80.77	£83.39	£80.77	£83.39	£80.77	£80.77	£83.39	£83.77	£83.77	£83.77	£83.77	£83.77

Points to note

You'll be charged interest at 'cash rates' on credit card cash withdrawals from the date the transaction is posted to your account.

Where you can buy foreign currency in the UK

Nationwide does not sell foreign currency in the UK nor do our ATMs dispense foreign currency. You can withdraw foreign currency over-the-counter at a bureau-de-change/bank/Post Office ®, or at a non-Nationwide ATM that dispenses foreign currency. Your supplier should advise you of the rate of exchange they have used, which may be different from the Visa Exchange Rate for that day.

About our worked examples of foreign currency cash withdrawals within the UK

Nationwide does not know either your supplier's rates of exchange or their source(s) for those rates. We have, however, used the Visa Exchange Rate in our UK cash withdrawal examples to illustrate the indicative costs to you. As your provider may use some other source for their exchange rates, our examples can only be indicative of the costs you might pay.

Using a LINK or non-LINK ATM to buy foreign currency within the UK

If you use a UK-based ATM that dispenses foreign currency and it displays the LINK logo, then your transaction will come to us as a sterling cash transaction and so no Non-Sterling Transaction Fee (commission) will be payable.
If you use a UK-based ATM that does not display the LINK logo then the transaction will come to us in the same way as if the ATM had been located outside the UK, and we will receive the non-sterling amount of the foreign transaction (along with its sterling equivalent, as converted by your ATM provider) and so our Non-Sterling Transaction Fee (commission) will be payable.

Our fees in detail

Please note that all fees are cumulative, so you'll pay all the fees that apply.

Please select at least one card from the above list

Purchases made in a foreign currency
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	Cash Card+ Debit Card	Nationwide Credit Card	Select Credit Card	Cash Reward Credit Card (closed to new business)	Gold Credit Card (closed to new business)	Classic Credit Card (closed to new business)
Payment Scheme Exchange Fee A fee for converting transactions made in foreign currencies outside the Visa Europe region which is applied by adjusting the Visa Exchange Rate.	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region
Non-Sterling Transaction Fee Our commission charge for transactions made in a foreign currency.	2% of the transaction amount	2% of the transaction amount	2% of the transaction amount	2% of the transaction amount	2% of the transaction amount not covered by any commission-free allowance you may have earned	No fee	No fee	No fee	No fee
The fee(s) above also apply when you buy in a foreign currency on the internet or by phone
Cash withdrawals in a foreign currency - outside the UK
Payment Scheme Exchange Fee A fee for converting transactions made in foreign currencies outside the Visa Europe region which is applied by adjusting the Visa Exchange Rate.	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region	No Fee within Visa Europe region 1% added to Visa Exchange Rate if outside the Visa Europe region
Non-Sterling Transaction Fee Our commission charge for transactions made in a foreign currency.	2% of the transaction amount	2% of the transaction amount	No fee	2% of the transaction amount	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Non-Sterling Cash Fee Our commission charge for cash withdrawals made in a foreign currency (abbreviated to 'cash fee' on credit card statements). For Debit cards this fee is in addition to the Non-Sterling Transaction Fee.	£1.00 per withdrawal	£1.00 per withdrawal	No fee	£1.00 per withdrawal	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)
Cash withdrawals in a foreign currency - within the UK
Payment Scheme Exchange Fee A fee for converting transactions made in foreign currencies outside the Visa Europe region which is applied by adjusting the Visa Exchange Rate.	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Non-Sterling Transaction Fee Our commission charge for transactions made in a foreign currency.	No Fee at LINK ATMs or over-the-counter 2% of the transaction amount at non-LINK ATMs	No Fee at LINK ATMs or over-the-counter 2% of the transaction amount at non-LINK ATMs	No Fee	No Fee at LINK ATMs or over-the-counter 2% of the transaction amount at non-LINK ATMs	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Non-Sterling Cash Fee Our commission charge for cash withdrawals made in a foreign currency (abbreviated to 'cash fee' on credit card statements). For Debit cards this fee is in addition to the Non-Sterling Transaction Fee.	No Fee at LINK ATMs or over-the-counter £1.00 per withdrawal non-LINK ATMs	No Fee at LINK ATMs or over-the-counter £1.00 per withdrawal non-LINK ATMs	No Fee	No Fee at LINK ATMs or over-the-counter £1.00 per withdrawal non-LINK ATMs	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)	2.5% of the transaction amount (min £3.00)
The bureau / ATM owner may also make a charge for cash withdrawals Over-the-counter could be at a bureau-de-change/bank/Post Office ®.

Points to note

Nationwide Credit Card commission-free allowance

Every time you make a purchase transaction with your Nationwide Credit Card in sterling you will earn commission-free allowance at a rate of 5:1 that entitles you to make commission-free non-sterling purchases up to the value of that allowance.

For example, if you spend £100 on your shopping in the UK, you will automatically be rewarded with £20 worth of commission-free allowance to use on non-sterling purchases (not cash withdrawals).

Where you can buy foreign currency in the UK

About our worked examples of foreign currency cash withdrawals within the UK

Using a LINK or non-LINK ATM to buy foreign currency within the UK

If you use a UK-based ATM that dispenses foreign currency and it displays the LINK logo, then your transaction will come to us as a sterling cash transaction and so no Non-Sterling Transaction Fee (commission) will be payable.
If you use a UK-based ATM that does not display the LINK logo then the transaction will come to us in the same way as if the ATM had been located outside the UK, and we will receive the non-sterling amount of the foreign transaction (along with its sterling equivalent, as converted by your ATM provider) and so our Non-Sterling Transaction Fee (commission) will be payable.

Should I pay in sterling when I'm abroad?

When using your card abroad, some retailers and ATMs may offer to process your transaction in sterling, rather than local currency. This process is called Dynamic Currency Conversion (DCC).

How does DCC work?

The retailer or ATM should ask you before using DCC.
If you say yes, the retailer or ATM will convert your transaction into sterling at an exchange rate of their choosing. This rate could be more expensive than the Visa Exchange Rate used by Nationwide.
A commission charge may also be added by the retailer/ATM.
The transaction will come to Nationwide in sterling, and so will not be processed as a foreign transaction.
Any income from this service will go to the retailer or ATM owner.

Will DCC cost me more than if Nationwide converts my transaction?

This will depend upon what the foreign retailer / ATM is charging both as an exchange rate and as their commission.
It's impossible for us to say which will be cheaper for you, but Visa advises, “Unless you know exactly what the prevailing rate of exchange is, and can do the maths, it is usually best to choose local currency” (Spend Terminology section of their travel guide).
Our commission fees (Non-Sterling Transaction and Cash Fees) are all shown within the worked examples on these pages. These fees are designed to be low compared to the market and some of our credit cards (such as Select Credit Card) attract no commission at all.

How to avoid DCC if you wish

When making a purchase or withdrawing cash over-the-counter at a bureau-de-change or bank, always tell the retailer/bank that you'd like to pay in local currency before the transaction takes place.
When using an ATM, always read the ATM screen carefully and check that DCC isn't selected by default. Deselect it if it is.
Check your receipt afterwards. If a sterling amount is shown, then DCC has been used.

What to do if DCC is used without your permission

Remind the retailer that you didn't want them to use DCC and ask for the receipt to be voided (not refunded, as a different exchange rate can sometimes be payable on refunds). Then start the transaction again. If the retailer refuses to do this you can report it to Nationwide on your return to the UK. We can seek redress for you through the VISA chargeback process.
If using an ATM, you can complain to the ATM owner, or report it to Nationwide on your return to the UK. We can seek redress for you through the VISA chargeback process.

How do I find out what the Visa Exchange Rate is for my transaction?

The Visa website provides a currency converter that you can use to find out the Visa rate of exchange for any transaction over the last 12 months. You can find the currency converter here: www.visaeurope.com/fxcalculator.

How to use the Visa enquiry tool

Visa Europe foreign currency web pages explained

Visa Europe provides the payments system that enables all Nationwide debit and credit cards to be accepted wherever you see the Visa sign around the world. Visa converts all of our customer's foreign currency transactions back into sterling using their Visa Exchange Rate.

How to complete the Visa currency converter

The below table will help to show you what information needs to be entered into the selection fields on the Visa currency converter.

Visa Currency Converter questions	The answers you should enter
Visa Currency Converter questions	Select and Nationwide credit cards, FlexAccount, FlexDirect and Cash Card+ debit cards	Gold, Classic and Cash Reward credit cards
My Card is in	Pound sterling (GBP)	Pound sterling (GBP)
My Transaction was in	Please select the currency that was used	Please select the currency that was used
Enter commission fee (0-5%)	0	Depending on where you made your transaction, enter: 0 (inside Visa Europe region) 1 (outside Visa Europe region)*
Date	Please enter the Visa processing date for your transaction**	Please enter the Visa processing date for your transaction**
Purchase Amount	Please enter the relevant purchase amount in the foreign currency	Please enter the relevant purchase amount in the foreign currency

* There is a 1% Payment Scheme Exchange Fee for transactions outside the Visa Europe region
** See the FAQ: What is the "processing date" for my transaction below for more information about processing dates

What is the "processing date" for my transaction?

There are usually three dates involved in card transactions:

Transaction date - the date you made the transaction
Visa processing date - the date the transaction is converted to sterling
Posting date - the date the transaction is applied to your account

There can be a delay between the transaction date and the Visa processing date. Your transaction can take some time to reach Visa, depending upon where in the world it took place. The processing date is normally 1 day earlier than the "posting date", which is the date shown on your statement.

If you'd like to know the exact processing date of your credit card transaction, please call us on 08457 99 88 99.

How is the exchange rate shown on your statement?

FlexAccount, FlexDirect, FlexPlus and Cash Card+ debit cards, Select and Nationwide credit cards

The exchange rate shown on your statement against any non-sterling transaction will be the Visa Exchange Rate (amended to give a rounded sterling amount to two decimal places). As your account is in sterling all rates shown on your statement will be equivalent to the value of £1.00.

For example, a purchase of 100 euros will be shown on your statement as:

4th June 2012, 100 euros @ 1.238083 euros, £80.77 (meaning that 1.238083 euros = £1.00, so 100 euros divided by 1.238083 = £80.77)

100 euros @ the rate of exchange for the euro that is equivalent to £1.00, on the date your transaction was processed by Visa (e.g. 4th June 2012), which may be different from the date on which you made the transaction. See the FAQ: What is the "processing date" for my transaction above for more information.

Classic / Gold / Cash Reward credit cards

If you carry out transactions outside of the Visa Europe region then the exchange rate shown on your statement against any non-sterling transactions will be the Visa Exchange Rate adjusted by a 1% Payment Scheme Exchange Fee (amended to give a rounded sterling amount to two decimal places).

This 1% Payment Scheme Exchange Fee is charged for converting transactions made in foreign currencies outside the Visa Europe region, which is applied by adjusting the Visa Exchange Rate.

For transactions within the Visa Europe region your statement will show the Visa Exchange Rate (amended to give a rounded sterling amount to two decimal places).

As your account is in sterling, all exchange rates shown on your statement will be equivalent to the value of £1.00.

See which countries are inside and which are outside the Visa Europe region

Is the rate of exchange printed on my statement exactly the same as the Visa Exchange Rate given by the Visa website?

No, the printed rate will be slightly different due to the way we round the calculations within the conversion process in order to give you a result in sterling to two decimal places.

The exchange rate used to convert any non-sterling transaction into sterling will always be the Visa Exchange Rate, except for Classic/Gold/ Cash Reward credit cards used outside the Visa Europe region when the Visa Exchange Rate adjusted by a 1% Payment Scheme Exchange Fee will apply.

We will round the resulting sterling amount to two decimal places and this amount will be printed on your statement. We will also print on your statement a rate of exchange that you can use to directly calculate the rounded sterling amount from the value of the original non-sterling transaction, if you wish.

It is, however, always the Visa Exchange Rate that determines the actual sterling amount that you have paid on your debit card, or will pay, if you used a credit card.

How are the terms we use to describe our fees changing?

The tables below show how the names we use to describe our foreign usage fees are changing to the new standard terminology agreed by the card industry and the Office of Fair Trading (OFT). Please note, the foreign usage fees we charge are not changing as a result of our adoption of this new industry-standard terminology.

Credit Card

Existing Description	New Description	Fee (for reference - unchanged)
Commission	Non-Sterling Transaction Fee	2%
Cash Advance Fee	Cash Fee	2.5% (£3 min)
New Term	Payment Scheme Exchange Fee	1% outside the Visa Europe region

Current Account

Existing Term	New Term	Fee (for reference - unchanged)
Non-UK commission fee	Non-Sterling Transaction Fee	2% of transaction amount
Non-UK cash withdrawal fee	Non-Sterling Cash Fee	£1 per withdrawal

Where can I find independent advice about using my cards abroad?

For independent guidance on using your card abroad please visit:

The Money Advice Service at https://www.moneyadviceservice.org.uk/
The UK Cards Association at http://www.theukcardsassociation.org.uk/individual/information-using-card-overseas.asp
For the Visa guide to using your cards abroad go to: http://www.visa.co.uk/en/visa_golden_space/resources/whypay/docs/travelguide.pdf

Managing your account is easy

Using your cards abroad

Fees for using your card abroad

How this page could help you

Useful travel links

Lost or stolen cards

FlexAccount debit card

FlexDirect debit card

FlexPlus debit card

Savings cards

Credit cards

Travel Insurance Emergency Assistance

FlexAccount European Travel Insurance

FlexPlus Worldwide Travel Insurance

Tell us you're going abroad

Cash withdrawal limits

Show me the costs for these cards (choose up to 3 at a time)

Foreign purchase example

Foreign cash withdrawal example

Our fees in detail

How to use the Visa enquiry tool

About the exchange rate we use

About paying in sterling while you're abroad

FSCS - Protecting your money