Using your card abroad

No large amounts of cash to carry around all the time – or worries about having it stolen
Just relax and enjoy all the convenience and security of using your card to pay for goods and services, just like you do at home. In fact, Visa debit and credit cards are accepted at 30 million places worldwide and you can withdraw cash from any ATM where you see the Visa logo.

Take your card abroad with you and let us know you’ll be using it
No matter where you are travelling to you can relax, enjoy your holiday and, of course, continue to use your cards for purchases and to withdraw money. You no longer need to let us know your travel plans in advance. Our fraud detection systems are constantly checking card transactions, which means that you can have peace of mind that your card is protected from unauthorised use. If for any reason you are unable to use your card, please contact us immediately by simply calling one of the numbers above.

Not as expensive as you may think

We take a responsible approach to customers’ money, so we’re up front about the charges when you use your Visa card abroad.

Non-sterling transaction fee
2.75% of the transaction's value is charged for any non-sterling transaction. The transaction is converted in to sterling using the Visa Scheme Exchange Rate which can be found on the Visa website.

Cash fee
2% (£2 minimum) of the transaction's value will be charged for cash withdrawals from an overseas ATM or over the counter, or for the purchase of travellers cheques or foreign currency outside the UK. Please see your account charges leaflet for the cash fee that applies when you use your Business Charge Card. This is in addition to the Non-Sterling Transaction Fee. Some charges not applicable for Cashminder. Please refer to your charges leaflet.

Paying in sterling
When using a debit, credit or sterling prepaid card abroad, watch out for a practice known as dynamic currency conversion where you are given the option of paying for goods and services in either sterling or the local currency. While this may seem like an appealing proposition as you'll know exactly how much you're spending, as a general rule, you should choose to pay in the local currency. This is because many restaurants and retailers may use an unfavourable rate of exchange to convert the price, which means you could end up paying over the odds.

Foreign currency
You can also order over 80 different foreign currencies from us, delivered straight to your door for free if over £500, £5 charge if under.