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Using your Visa debit card outside the UK

You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts.

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.

When you use your Intelligent Finance Visa debit card abroad and make transactions other than in pounds, 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. For payments, we'll charge a foreign currency transaction fee of 2.25% of the amount of the foreign currency transaction. This is a fee for currency conversion. We'll also deduct a foreign currency purchase fee of £1.50 for each payment, except for payments of Euro inside the EEA. For withdrawals, we'll charge a foreign currency transaction fee of 2.25% of the amount of each withdrawal. We'll also deduct a foreign currency cash fee of £1.50 for each withdrawal, except for withdrawals of Euro inside the EEA.

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 3rd June 2019.  

  Purchase Cash withdrawal **
Original transaction €100 €100
Payment scheme exchange rate 1.13837 1.13837
Conversion to sterling £87.84 £87.84
Foreign currency transaction fee £1.98 (2.25%) £1.98 (2.25%)
Foreign currency purchase fee £1.50^ N/A
Foreign currency cash fee N/A £1.50^
Final statement amount £91.32 £91.32

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.

^For debit card transactions in Euro within the EEA the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, and the foreign currency purchase fee of £1.50 were removed on the 13th December 2019

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