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Travelling abroad with our debit card

Get 0% currency conversion fees and fee-free ATM withdrawals with your Co-operative Bank debit card when you travel abroad.

  • Why choose one of our personal current accounts when travelling?

0% currency conversion

Pay in the local currency with no currency conversion fees. These are free of charge on debit cards for all current account customers.

Other charges may apply.

Fee-free withdrawals

We don't apply a charge for making a cash withdrawal on your debit card.

Other charges may apply.

Freeze and unfreeze anywhere

Freeze your debit card if it gets lost or stolen abroad. So you can travel with complete peace of mind.

Trustpilot

How does our mobile app add protection abroad?

You can use the mobile app anywhere in the world, provided you have an internet connection.

  • Instant card freeze
    If your card gets lost, there's no need to panic. You can instantly freeze or unfreeze it.

  • Anti-theft controls
    You can instantly disable card features to lock thieves out. So if your card is stolen, there's no need to worry.

  • If you don't have the app you can download it at any time. Check with your network provider for information about roaming charges.

A smart phone displaying a payment transfer

Go contactless wherever you go

A smart phone displaying a digital wallet payment

  • Add your Co-operative Bank debit card to Apple Pay, Google Pay or Samsung Wallet

  • Tap and pay with your mobile

  • Tap and pay with your smart watch

  • Use it anywhere abroad where you see the contactless symbol. Contactless payment symbol

Learn more about digital wallets

What are the features of our current accounts?

Everyday Extra
Standard Current Account
Cashminder
Monthly fee?
Everyday Extra has a monthly fee £12 fee
Standard Current Account does not have a monthly fee No fee
Cashminder does not have a monthly fee No fee
Worldwide travel insurance?
Everyday Extra has Worldwide travel insurance
Standard Current Account does not have Worldwide travel insurance
Cashminder does not have Worldwide travel insurance
Worldwide phone insurance?
Everyday Extra has Worldwide phone insurance
Standard Current Account does not have Worldwide phone insurance
Cashminder does not have Worldwide phone insurance
UK and European breakdown cover?
Everyday Extra has EU Breakdown Cover
Standard Current Account does not have EU Breakdown Cover
Cashminder does not have EU Breakdown Cover
Fee free spending abroad?
Everyday Extra has fee free spending when abroad
Standard Current Account has fee free spending when abroad
Cashminder has fee free spending when abroad
Free cash withdrawals abroad?
Everyday Extra has free cash withdrawals abroad *
Standard Current Account has free cash withdrawals abroad *
Cashminder has free cash withdrawals abroad *
Available as a joint account?
Everyday Extra joint account available
Standard Current Account joint account available
Cashminder joint account available
Overdraft available?
Everyday Extra overdraft available **
Standard Current Account overdraft available **
Cashminder overdraft not available
Find out more and apply
Everyday Extra View Everyday Extra Account
Standard Current Account View Standard Current Account
Cashminder View Cashminder Account

*Some ATM providers may apply their own charges.

**Overdrafts are subject to credit checks and assessments of personal circimstances.

View all our current accounts

How does Everyday Extra give you more when you travel?

Our Everyday Extra packaged bank account comes with a range of benefits. Get a package of extras including mobile phone insurance, worldwide travel insurance, and UK and European breakdown cover, all for just £12 per month. Subject to eligibility. Exclusions and limitations apply to all benefits. See policy documents for all terms and conditions.

Worldwide travel insurance

  • Covers for personal accidents and emergency medical expenses

  • UK holiday cover included (excluding personal liability)

  • Replacement of lost luggage

  • Winter sports cover

View what's included

European breakdown cover

  • Roadside assistance if you're stranded, at home or in Europe

  • Up to three days' car hire while your vehicle is repaired

  • Alternative transport to your destination or a hotel stay while you wait

  • Electric vehicle (EV) cover

  • A dedicated myRAC app to get help when you need it

View what's included

Worldwide mobile phone insurance

  • Cover for your mobile phone and SIM in the event of loss, theft, accidental damage, or breakdown (including faults), up to £1,500

  • Cover for any unauthorised calls, texts, or data use

  • Cover for your phone's accessories, up to the value of £350

View what's included

AXA, RAC and LSG logos

Available as a joint account

For joint accounts you'll both be covered independently for the same price. Find out more about joint bank accounts.

Not the current account for you? View our other current accounts.

  • Frequently asked questions

We do not charge you for using your debit card abroad when you pay in the local currency. But there may be extra fees from the retailer or cash machine where you use your card. You should see any charges before you complete the transaction.

We do not charge you for cash withdrawals with your debit card abroad. Some ATM providers may apply their own charges. The ATM should show you any extra charges before you withdraw money.

We use the Visa Scheme Exchange Rate. To check your exchange rate, use the calculator on the VISA website. Enter 0 in the bank fee box. Paying in the local currency means you'll pay the VISA rate, rather than a merchant’s conversion rate, which may be higher.

Yes. All personal current account customers can pay in local currency and withdraw cash with their debit card for free. Other charges may apply.

Please note: This does not apply to Co-operative Bank credit cards, or business account debit cards. You can find out more about travelling for business, or using your credit card abroad here. 

'Other charges may apply' means you may still pay fees even if the bank doesn't charge a conversion or withdrawal fee.

Some ATM providers may have their own charges. Your mobile network provider may charge roaming fees if you use the mobile app abroad.

We’ve removed the currency conversion charge from your account when you choose to pay in the local currency, so you should always do this if possible. This means you will not be charged any fees directly by us.

There may still be additional charges from the retailer or cash machine where you use your card. Any extra charges should be shown to you before you complete the transaction. 

If you choose to pay in pounds sterling instead, some fees may apply.

Get up to £300 when you switch to us

Get £125 when you switch and £75 over 3 months for actively using your account. Plus, we’ll give existing customers a £100 bonus.

Switch offer eligibility, criteria and Terms and Conditions apply for this offer.

Current Account Switch Service logo
£300 switch offer details

Win a luxury Cotswolds retreat for 2

You could win a 2-night luxury spa getaway for 2 in the Cotswolds, thanks to VISA. This includes breakfast, spa treatments, and dinner at a local restaurant. Plus, you could win a cash prize of up to £2,500.

Use your debit card or digital wallet before 31 August to enter. Full Terms and Conditions apply. UK residents, 18 years and over.

The Co-operative Bank logo | VISA logo
Read about your chance to win

Apple Pay is a trademark of Apple Inc., registered in the US, and other countries. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics. Use only in accordance with the law. Compatible device required.

Find out more about Financial Services Compensation Scheme | This will open in a new tab

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk

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