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Using your Visa debit card abroad

If you’re planning to use your Intelligent Finance Visa debit card in overseas cash machines then please give us a call just before you travel on 0345 609 4343. We can take steps to minimise any possible delay to your service.

This is necessary to protect our customers from increasing fraudulent activity at overseas cash machines.

Please note that there is no requirement to telephone us if you only plan to use your Visa debit card in shops, in a bank abroad or at a Bureau de Change.

We always advise customers to have a range of payment options when travelling abroad. For maximum convenience you should take your debit and credit card and a small amount of currency and travellers cheques when travelling abroad. If you wish to discuss your options please give us a call on 0345 609 4343.

When you use your Intelligent Finance Visa debit card abroad and make transactions other than in sterling, the amount of each transaction is changed to sterling on the date we take it out of your current account jar. This may not be the same date that the transaction is carried out. The exchange rate we use will be the Visa payment scheme exchange rate. We'll charge a non sterling transaction fee of 2.25% of the amount of each foreign currency transaction. We'll also deduct a non sterling purchase or non sterling cash fee of £1.50 for each transaction.

The table below shows you the cost of spending or withdrawing €100 abroad using your Intelligent Finance Visa debit card *.

*The exchange rates used were the applicable rates for transactions processed on 7th June 2016. 

  Purchase Cash withdrawal **
Original transaction €100 €100
Payment scheme exchange rate 1.28442 1.28442
Conversion to sterling £77.86 £77.86
Non – sterling transaction fee £1.75 (2.25%) £1.75 (2.25%)
Non - sterling purchase fee £1.50 N/A
Non – sterling cash fee N/A £1.50
Final statement amount £81.11 £81.11

Our exchange rates for debit card transactions are determined by the payment scheme provider for the card. For further information and other exchange rates and currencies see Visa. For travel money, the exchange rate is determined by us.

Other fees, charges and interest may apply. Please refer to Interest Rates and Charges for more information **This example assumes you allow us to convert the transaction from foreign currency to sterling. If you choose to allow the provider to convert the transaction to sterling, they may make a separate charge for conversion.

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