Fees and charges for using your card abroad
You may be charged for using your debit or credit card abroad to buy something, or withdraw cash in a foreign currency. What you'll pay depends on the transaction you make and the card you use.
On this page you can compare fees and charges, and decide which cards are best for your trip.
Our fees in detail
Foreign purchases
Foreign cash withdrawals
You can also compare EEA currency conversion charges while travelling.
Note:
Credit facilities are only available to people over 18 years old.
Our card fees are cumulative. If they apply, you’ll pay them on every transaction.
Choosing how to pay
When making a card transaction – by using your card, or with your card’s details stored in a digital wallet on a device such as your phone – or getting cash out, you’ll be asked whether you want to pay in a foreign currency or pounds sterling.
If you choose to pay in foreign currency, Visa will convert your payment into pounds sterling using their standard exchange rate. Then we’ll deduct the amount in pounds sterling from your account.
If you choose to pay in pounds sterling, the retailer or machine owner will convert your payment.
For more details on this, visit the Visa website (opens in a new window)
Our fees in detail
Information:
These fees also apply when you pay in a foreign currency on the internet or by phone.
Fees for debit cards
If you can't view the whole table, swipe or scroll to show more > > >
| FlexAccount debit card | FlexDirect debit card | FlexPlus debit card | FlexBasic debit card | FlexStudent debit card | FlexGraduate debit card | FlexOne cards (debit/cash) | |
|---|---|---|---|---|---|---|---|
| Purchases made in a foreign currency | |||||||
| Non-sterling transaction fee | 2.99% of the transaction amount | 2.99% of the transaction amount | No fee | 2.99% of the transaction amount | No fee | No fee | No fee |
| Cash withdrawals in a foreign currency outside the UK | |||||||
| Non-sterling transaction fee | 2.99% of the transaction amount | 2.99% of the transaction amount | No fee | 2.99% of the transaction amount | No fee | No fee | No fee |
| Cash withdrawals in a foreign currency within the UK | |||||||
| Non-sterling transaction fee | No Fee at LINK ATMs or over-the-counter 2.99% of the transaction amount at non-LINK ATMs |
No Fee at LINK ATMs or over-the-counter 2.99% of the transaction amount at non-LINK ATMs |
No fee | No Fee at LINK ATMs or over-the-counter 2.99% of the transaction amount at non-LINK ATMs |
No fee | No fee | No fee |
Fees for credit cards
If you can't view the whole table, swipe or scroll to show more > > >
| Member, Select, Nationwide, Classic and Gold credit cards | |
|---|---|
| Purchases made in a foreign currency | |
| Non-sterling transaction fee | No fee |
| Cash withdrawals in a foreign currency outside the UK | |
| Non-sterling transaction fee | n/a |
| Cash fee | 2.5% of the transaction amount (min £3.00) |
| Cash withdrawals in a foreign currency within the UK | |
| Non-sterling transaction fee | n/a |
| Cash fee | 2.5% of the transaction amount (min £3.00) |
Foreign purchases
You make a foreign purchase whenever you use your card to buy something in a foreign currency.
The following examples show how a foreign purchase is converted into sterling and how our fees are applied, based on a purchase of €100 processed with exchange rates.
Visa Exchange Rate on 1 June 2020 was €1 = £0.90548430.
Shown on statement as £1 = €1.104381.
Foreign purchases using a debit card
If you can't view the whole table, swipe or scroll to show more > > >
| FlexAccount debit card | FlexDirect debit card | FlexPlus debit card | FlexBasic debit card | FlexStudent debit card | FlexGraduate debit card | FlexOne cards (debit/cash) | |
|---|---|---|---|---|---|---|---|
| Purchase amount | €100 | €100 | €100 | €100 | €100 | €100 | €100 (Foreign purchases not available for FlexOne cash card customers) |
| €100 at Visa Exchange Rate | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 |
| Non-sterling transaction fee | £2.71 (2.99% of the transaction amount) | £2.71 (2.99% of the transaction amount) |
No fee | £2.71 (2.99% of the transaction amount) |
No fee | No fee | No fee |
| Total charge | £93.26 | £93.26 | £90.55 | £93.26 | £90.55 | £90.55 | £90.55 |
Foreign purchases using a credit card
If you can't view the whole table, swipe or scroll to show more > > >
| Member, Select, Nationwide, Classic and Gold credit cards | |
|---|---|
| Purchase amount | €100 |
| Commission-free allowance | n/a |
| €100 at Visa Exchange Rate | £90.55 |
| Non-sterling transaction fee | No fee |
| Total charge | £90.55 |
Foreign cash withdrawals
You make a foreign cash withdrawal whenever you use your card to:
- withdraw foreign currency from a cash machine abroad,
- withdraw foreign currency from a cash machine in the UK, or
- buy foreign currency over-the-counter at a bureau de change, bank, or Post Office before you go.
Over-the-counter withdrawals include those made at a bureau de change, bank or Post Office. The bureau or cash machine owner may charge you for withdrawing cash.
The following examples show how a foreign cash withdrawal is converted into sterling and how our fees are applied, based on a withdrawal of €100.
Visa Exchange Rate on 1 June 2020 was €1 = £0.90548430.
Shown on statement as £1 = €1.104381.
Foreign cash withdrawals outside the UK
Foreign cash withdrawals outside the UK using a debit card
If you can't view the whole table, swipe or scroll to show more > > >
| FlexAccount debit card | FlexDirect debit card | FlexPlus debit card | FlexBasic debit card | FlexStudent debit card | FlexGraduate debit card | FlexOne cards (debit/cash) | |
|---|---|---|---|---|---|---|---|
| Cash withdrawal amount | €100 | €100 | €100 | €100 | €100 | €100 | €100 |
| €100 at Visa Exchange Rate | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 |
| Non-sterling transaction fee | £2.71 (2.99% of the transaction amount) | £2.71 (2.99% of the transaction amount) | No fee | £2.71 (2.99% of the transaction amount) | No fee | No fee | No fee |
| Total charge | £93.26 | £93.26 | £90.55 | £93.26 | £90.55 | £90.55 | £90.55 |
Foreign cash withdrawals outside the UK using a credit card
Information:
For credit card cash withdrawals, you'll be charged interest at cash rates from the date the transaction is posted to your account.
If you can't view the whole table, swipe or scroll to show more > > >
| Member, Select, Nationwide, Classic and Gold credit cards | |
|---|---|
| Cash withdrawal amount | €100 |
| €100 at Visa Exchange Rate | £90.55 |
| Non-sterling transaction fee | n/a |
| Cash fee | £3.00 (2.5%, min. £3.00) |
| Total charge | £93.55 |
Foreign cash withdrawals within the UK
Foreign cash withdrawals within the UK using a debit card
If you can't view the whole table, swipe or scroll to show more > > >
| FlexAccount debit card | FlexDirect debit card | FlexPlus debit card | FlexBasic debit card | FlexStudent debit card | FlexGraduate debit card | FlexOne cards (debit/cash) | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | LINK cash machine or over the counter | Non-LINK cash machine | |
| Cash withdrawal amount | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 | €100 |
| €100 at Visa Exchange Rate | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 |
| Non-sterling transaction fee | No Fee at LINK ATMs or over-the-counter | £2.71 (2.99% of the transaction amount) | No Fee at LINK ATMs or over-the-counter | £2.71 (2.99% of the transaction amount) | No fee | No fee | No fee | No fee | No fee | No fee | No fee | No fee | No fee | No fee |
| Total charge | £90.55 | £93.26 | £90.55 | £93.26 | £90.55 | £90.55 | £93.26 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 | £90.55 |
Foreign cash withdrawals within the UK using a credit card
If you can't view the whole table, swipe or scroll to show more > > >
| Member, Select, Nationwide, Classic and Gold credit cards | |
|---|---|
| Cash withdrawal amount | €100 |
| €100 @ an exchange rate set by your supplier | £90.55 |
| Non-sterling transaction fee | n/a |
| Cash fee | £3.00 (2.5%, min. £3.00) |
| Total charge | £93.55 |