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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.

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Foreign purchase example
Information

Based on a purchase of €100 processed with exchange rates on or after 1st June 2020.

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.

Find out more about using your cards abroad.

Compare costs of making card transactions in EU and EEA currencies.

Please select at least one card from the above list

Examples of foreign purchase charges when using your card abroad
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	FlexBasic Debit Card	FlexStudent Debit Card	FlexGraduate Debit Card	FlexOne cards	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 Foreign purchases not available for FlexOne cash card customers	€100	€100	€100	€100	€100 within Visa Europe region	€100 within Visa Europe region	€100 within Visa Europe region
Information Commission-free allowance	Not applicable	Not applicable	Not applicable	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	£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
Visa Exchange Rate on 1 June 2020 was €1 = £0.90548430. Shown on statement as £1 = €1.104381.
Information Non-Sterling Transaction Fee	£2.71	£2.71	No fee	£2.71	No fee	No fee	No fee	£1.81 (2%)	£90.55 -£50.00 £40.55 @ 2% £0.81	No fee	No fee	No fee	No fee	No fee
Cost to you	£93.26	£93.26	£90.55	£93.26	£90.55	£90.55	£90.55	£92.36	£91.36	£90.55	£90.55	£90.55	£90.55	£90.55

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	FlexBasic Debit Card	FlexStudent Debit Card	FlexGraduate Debit Card	FlexOne cards	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 a foreign purchase outside the Visa Europe region
Purchase amount	Not applicable	Not applicable	Not applicable	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 1 June 2020 was $1 = £0.81373505 Plus 1% for Payment Scheme Exchange Fee = £0.82373505 Shown on statement as £1 = $1.216733 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: £82.18x1/101 = 82p										£82.37	£82.37	£82.37
Information Non-Sterling Transaction Fee										No Fee	No Fee	No Fee
Cost to you	-	-	-	-	-	-	-	-	-	£82.37	£82.37	£82.37

Foreign cash withdrawal example
Information

Please select at least one card from the above list

Example of a foreign cash withdrawal - outside the UK
Information

Examples of foreign cash withdrawals when using your card abroad
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	FlexBasic Debit Card	FlexStudent Debit Card	FlexGraduate Debit Card	FlexOne cards	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	€100	€100	€100	€100	€100	€100 within the Visa Europe region	€100 within the Visa Europe region	€100 within the Visa Europe region
€100 @ 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
Visa Exchange Rate on 1 June 2020 was €1 = £0.90548430 Shown on statement as £1 = €1.104381.
Information Non-Sterling Transaction Fee	£2.71	£2.71	No fee	£2.71 (2.99%)	No fee	No fee	No fee	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Information Non-Sterling Cash Fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	£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	£93.26	£93.26	£90.55	£93.26	£90.55	£90.55	£90.55	£93.55	£93.55	£93.55	£93.55	£93.55
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.

Example of a cash withdrawal outside the Visa Europe region

Example of a cash withdrawal outside the Visa Europe region
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	FlexBasic Debit Card	FlexStudent Debit Card	FlexGraduate 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	Not applicable	Not applicable	$100	$100	$100
$100 @ VISA Exchange Rate adjusted by 1% Payment Scheme Exchange Fee	£82.37									£82.37	£82.37
Information Non-Sterling Cash Fee	£3.00 (2.5%, min. £3.00)									£3.00 (2.5%, min. £3.00)	£3.00 (2.5%, min. £3.00)
Visa Exchange Rate on 1 June 2020 was $1 = £0.81373505 Plus 1% for Payment Scheme Exchange Fee = £0.82373505 Shown on statement as £1 = $1.216733 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: £82.18x1/101 = 82p
Cost to you	-	-	-	-	-	-	-	-	£85.37	£85.37	£85.37
The bureau / ATM owner may also make a charge

Example of withdrawing or buying foreign cash - within the UK
Information

Example of withdrawing or buying foreign cash
	FlexAccount Debit Card		FlexDirect Debit Card		FlexPlus Debit Card	FlexBasic Debit Card		FlexStudent Debit Card		FlexGraduate Debit Card		FlexOne cards	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)
	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	LINK ATM or over-the-counter	Non-LINK ATM	LINK ATM or over-the-counter	Non-LINK ATM	FlexOne cards	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	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100	€100
Information €100 @ an exchange rate set by your supplier	£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	£90.55	£90.55	£90.55
For example, Visa Exchange Rate on 1 June 2020 was €1 = £0.90548430. Shown on statement as £1 = €1.104381.
Information Non-Sterling Transaction Fee	No fee	£2.71 (2.99%)	No fee	£2.71 (2.99%)	No fee	No fee	£2.71 (2.99%)	No fee	No fee	No fee	No fee	No fee	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
Information Non-Sterling Cash Fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	No fee	£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)
Information Indicative cost to you	£90.55	£93.26	£90.55	£93.26	£90.55	£90.55	£93.26	£90.55	£90.55	£90.55	£90.55	£90.55	£93.55	£93.55	£93.55	£93.55	£93.55
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.

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.

Fees in detail

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

Find out more about using your cards abroad.

Compare costs of making card transactions in EU and EEA currencies.

Please select at least one card from the above list

Our fees in detail
	FlexAccount Debit Card	FlexDirect Debit Card	FlexPlus Debit Card	FlexBasic Debit Card	FlexStudent Debit Card	FlexGraduate Debit Card	FlexOne cards	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)
Purchases made in a foreign currency
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	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.	2.99% of the transaction amount	2.99% of the transaction amount	No fee	2.99% of the transaction amount	No fee	No fee	No fee	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	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.	2.99% of the transaction amount	2.99% of the transaction amount	No fee	2.99% of the transaction amount	No fee	No fee	No fee	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 per withdrawal	No fee per withdrawal	No fee	No fee per withdrawal	No fee	No fee	No fee	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	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 2.99% 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	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 No fee per withdrawal non-LINK ATMs	No Fee at LINK ATMs or over-the-counter No fee per withdrawal non-LINK ATMs	No Fee	No Fee at LINK ATMs or over-the-counter No fee per withdrawal non-LINK ATMs	No Fee	No Fee	No Fee	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

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.

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Fees for using your card abroad

Foreign purchase example
Information

Commission-free allowance

Non-Sterling Transaction Fee

Points to note

Non-Sterling Transaction Fee

Foreign cash withdrawal example
Information

Example of a foreign cash withdrawal - outside the UK
Information

Non-Sterling Transaction Fee

Non-Sterling Cash Fee

Example of a cash withdrawal outside the Visa Europe region

Non-Sterling Cash Fee

Example of withdrawing or buying foreign cash - within the UK
Information

Non-Sterling Transaction Fee

Non-Sterling Cash Fee

Points to note

Fees in detail

Points to note

Did you find this page helpful?

We'd value your feedback
when you're ready

Fees for using your card abroad

Foreign purchase example Information We've shown a 100 Euro transaction, processed on 1 June 2020 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.

Commission-free allowance

Non-Sterling Transaction Fee

Points to note

Non-Sterling Transaction Fee

Example of a foreign cash withdrawal - outside the UK Information You could be withdrawing cash from a foreign ATM while on holiday abroad or buying it over-the-counter.

Non-Sterling Transaction Fee

Non-Sterling Cash Fee

Example of a cash withdrawal outside the Visa Europe region

Non-Sterling Cash Fee

Example of withdrawing or buying foreign cash - within the UK Information You could be withdrawing foreign cash from an ATM within the UK, or buying it over-the-counter before you go abroad.

Non-Sterling Transaction Fee

Non-Sterling Cash Fee

Points to note

Fees in detail

Points to note

Did you find this page helpful?

We'd value your feedbackwhen you're ready

Foreign purchase example
Information

Example of a foreign cash withdrawal - outside the UK
Information

Example of withdrawing or buying foreign cash - within the UK
Information

We'd value your feedback
when you're ready