Debit and Credit Card Overseas Charges
 

UK Credit Cards
(as at 1 June 2007 – these do change, but rarely)

Spending

Withdraw Cash

Provider

Load

Fee

Interest (APR)- if paid off in full

Abbey

2.75%

3% min. £3

10.9% - 24.9%

Alliance & L’ster

2.75%

2.25% min. £2.50

27.9%

Am. Express

2.73%

£3% min. £3

20.5% – 25.9%

Bank of Scotland

2.75%

2.5% min £3

22.95%

Barclaycard

2.75%

£2.50 min. 2.5%

15.8% - 27.9%

Capital One

2.75%

3% min £3

25.9% – 34.9%

Co-Op

2.75%

2.5% min. £2.50

8.8%-19.9%

Egg

2.65%

3% min. £3

22.9%

First Direct

2.75%

2.5% min £2.50

21.9% – 24.7%

HSBC

2.75%

2.5% min £2.50

NONE

Halifax

2.75%

2.5% min £3

14.9% - 22.95%

Intelligent Finance

2.75%

2% min £2

8.9%

Liverpool Victoria

Europe - NONE, Worldwide - 2.75%

2% min £2

23.9%

Lloyds TSB

2,75%

2.5% min £2.50

24.9% -27.9%

Marks & Spencer Money

2.75%

2.5% min. £2.50

20.9%

MBNA

2.75%

3% min £3

27.9%

Mint

2.75%

2.5% min. £2.50

24.9%

Morgan Stanley

3% (excluding i24, which has £275 annual fee)

3% min £3

23.9%

Nationwide

NONE

2% min. £2

18.9% - 21.9%

NatWest

2.75%

2.5% min.£2.50

24.9%

Northern Rock

2.75%

2.5% min £2.50

10%

Post Office

NONE

2% min £2

17% - 18.2 %

RBS

2.75%

2.5% min. £2.50

24.9%

Saga

EU – NONE
Worldwide – 1%

1.5% min £1.50

21.9%

Sainsburys

2.75%

2.5% min £2.50

19.9%

Skycard

2.75%

2.95% min £2.95

24.9%

Smile

2.75%

2% min £2

17.9% - 19.9%

Tesco

2.75%

2% min £2

20.8%

Virgin Money

2.75%

3% min £3

24.9%

Where an interest rate range is shown, this means it depends on the specific card (source original research, with additional information from MoneyFacts)

Major UK Debit Cards
(as at 1 June 2007 – these do change, but rarely)

Load

Cash withdrawal Fee

Abbey

2.25%(Europe)
2.75% (elsewhere)

1.5% min. £1.50

Alliance & Leicester

2.75%

1.5% min. £1.50

Barclays

2.75%

2% min £1.50 max £4.50 (except Barclays cash machines or those within the Global Alliance.)

Cahoot

2.25%

1.5% min. £1.50

Co-Op

2.75%

2% min £2

First Direct

2.75%

1.5% min £1.75

Halifax

2.75% + £1.50 per purchase

£1.50

HSBC

2.75%

1.5% min £1.75

Intelligent Finance

2.25% + £1.50 per transaction

1.5% min. £1.50

Lloyds TSB

2.75% (2.99% from 30 July 2007) + £1 per purchase

1.5% min. £2 max £4

Nationwide

NONE

NONE

NatWest

2.65% plus 75p per purchase

2.25% min £0, max £4

RBS

2.75% plus £1.25 per purchase

2% min £2, max £5

Smile

2.75%

2% min £2