You can't use Cash Card+ at an ATM outside the UK. You can use it worldwide to withdraw cash over-the-counter
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.
Please call us. We're here 24 hours a day, 7 days a week.
08457 30 20 10 (from the UK) +44 1793 65 67 89 (from abroad)
08457 30 20 18 (from the UK) +44 1793 65 67 89 (from abroad)
08457 33 55 44 (from the UK) +44 1793 54 12 00 (from abroad)
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.
For 24 Hour emergency assistance call: +44 1413 49 01 09 (from abroad) 01413 49 01 09 (from the UK)
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)
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.
Problem while you're away? See our contact us page for ways to get in touch.
We've shown a 100 Euro transaction, processed on 3 June 2013 so that you can easily compare the cost of using our cards abroad with those of other card providers, who will also show you worked examples based on the same transaction on the same date.
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
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.
Visa Exchange Rate on 3 June 2013 was €1=£0.859801. Shown on statement as £1=€1.163060
Non-sterling Transaction Fee - our commission charge for transactions made in a foreign currency.
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.
Visa Exchange Rate on 3 June 2013 was $1 = £0.659674. Plus 1% for Payment Scheme Exchange Fee = £0.666271 Shown on statement as £1 = $1.500825
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: £66.63 x 1/101 = 66p
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.
You could be withdrawing cash from a foreign ATM while on holiday abroad or buying it over-the-counter.
Non-sterling Cash Fee - a charge for cash withdrawals made in a foreign currency. Abbreviated on credit card statements to 'Cash Fee'.
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.
The bureau / ATM owner may also make a charge
You could be withdrawing foreign cash from an ATM within the UK, or buying it over-the-counter before you go abroad.
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 3 June 2013 was €1=£0.859801. Shown on statement as £1=€1.163060
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
Please note that all fees are cumulative, so you'll pay all the fees that apply.
A fee for converting transactions made in foreign currencies outside the Visa Europe region which is applied by adjusting the Visa Exchange Rate.
Our commission charge for transactions made in a foreign currency.
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.
Nationwide Credit Card commission-free allowance
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?
Will DCC cost me more than if Nationwide converts my transaction?
How to avoid DCC if you wish
What to do if DCC is used without your permission
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.
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
* 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
There are usually three dates involved in card transactions:
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.
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:
3rd June 2013, 100 euros @ 1.163060 euros, £85.98 (meaning that 1.163060 euros = £1.00, so 100 euros divided by 1.163060 = £85.98)
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. 3rd June 2013), 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
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.
For independent guidance on using your card abroad please visit:
We use the Visa Exchange Rate to convert your transaction into sterling. Visa gives us this rate each day.
To find out what the exchange rate is for your transaction and how it's shown on your statement, please see our using your cards abroad FAQs.
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) and it may make your transaction more expensive than if you had paid in local currency.
See our FAQs for more information about paying in sterling while you're abroad.
FSCS - Protecting your money. Find out more
Your eligible deposits with Nationwide Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. This limit is applied to the total of any deposits you have with the following: Nationwide Building Society, Cheshire Building Society, Derbyshire Building Society, Dunfermline Building Society and Nationwide UK (Ireland). Any total deposits you hold above the £85,000 limit between these brands are not covered.
Please click here for further information or visit www.fscs.org.uk
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