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Overseas Spending Charges

Full debit & credit card breakdown

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Eesha

Updated June 2016

This list of card charges is a companion to MoneySavingExpert's Overseas Card Charges Checker, which was designed to tell you what fees and charges your card will add when it's used to pay or get cash out overseas.

Once you've found out what your card charges, check to see if you can beat it with a specialist overseas card which doesn't charge you extra for using it abroad.

UK credit card overseas charges

Use a credit card abroad, and you could face a host of charges for doing so. Spending in a shop will attract a non-sterling transaction fee, which is usually 2.5% to 3% of the transaction. It's your bank's charge for exchanging the money for you.

Withdrawing cash tends to be more expensive, especially on a credit card. You'll not only pay the non-sterling transaction fee, you'll pay an ATM fee, and also cash withdrawal interest - which you'll pay until the credit card's paid in full.

UK Credit cards (as at June 2016)
Spending Withdraw Cash
Provider Non-sterling transaction fee ATM fee (non-sterling fee will also be charged) Interest (APR) if paid off in full
The AA 2.99% 2.99% min. £3 27.9%
American Express 2.99% 3% min. £3 27.9%
Asda 2.99% 3% min. £5 27.9% - 29.9%
Aqua Reward or Advance NIL 3% min. £3 39.9% - 59.9%
Bank of Ireland 2.75% 2.5% min. £3 24.9%
Bank of Scotland 2.95% 3% min. £3 18.9% - 25.9%
Barclaycard (1) 2.99% NIL None (27.9% - 29.9% if not repaid in full)
Capital One 2.75% 3% min. £3 34.9%
Capital One Aspire Business / Classic Extra (3) NIL 3% min. £3 19.9% - 34.9%
Clydesdale/Yorkshire 2.95% 3% min. £3 27.9%
The Co-op Bank 2.75% 3% min. £3 25.9%
The Co-op Clear (3) 2.75% NIL 12.9%
Creation Everyday NIL NIL 12.9% - 21.9%
Debenhams 2.75% 3% min. £3 29.9%
First Direct 2.99% 2.99% min. £3 24.7%
Fluid (3) 2.99% 5% 19.9%
Halifax 2.95% 3% min. £3 18.9% - 25.9%
Halifax Clarity NIL NIL 18.9% - 25.9%
Halifax Student 2.95% 3% min. £3 19.9%
HSBC 2.99% 2.99% min. £3 23.9% - 24.7%
HSBC Premier 2.99% 2.99% min. £3 18.9%
Lloyds 2.95% 3% min. £3 18.9% - 25.9%
Lloyds Avios Rewards NIL 3% min. £3 18.9% - 25.9%
Marks & Spencer Bank 2.99% 2.99% min. £3 23.9%
MBNA 2.99% 5% 27.9%
MBNA Everyday Plus NIL NIL 7.4% - 12.9%
Nationwide (2) 2% 2.5% min. £3 27.9%
Nationwide Select NIL 2.5% min. £3 27.9%
NatWest 2.75% 3% min. £3 29.9%
NatWest Reward Black (£84 annual fee if you don't hold a Reward Black current account) NIL 3% 18.9% (37.1% inc. fee)
Post Office (Matched) 2.99% 2.5% min. £3 27.9%
Post Office (Platinum) NIL 2.5% min. £3 27.9%
RBS 2.75% 3% min. £3 27.9%
Saga NIL 2% min. £2 None (19.6% if not repaid in full)
Sainsbury's 2.75% 3% min. £3 25.9% - 28.9%
Sainsbury's Gold (3) NIL NIL None (24.9% if not repaid in full)
Santander 2.95% 3% min. £3 29.9%
Santander 123 NIL (4) 3% min. £3 29.9%
Santander Zero (3) NIL NIL 29.9%
Smile 2.75% 3% min. £3 25.9%
Tesco Bank 2.75% 3% min. £3 24.9% - 27.9%
TSB 2.95% 3% min. £3 18.9% - 25.9%
TSB Advance 2.95% 3% min. £3 11.9 %
TSB Avios 2.95% 3% min. £3 17.9% - 25.9%
TSB Premier Avios 2.95% 3% min. £3 13.9%
Virgin Money 2.99% 5% min. £5 27.9%
Virgin Atlantic 2.99% 2% 22.9%
Where an interest rate range is shown, this means it depends on the specific card (source original research, with additional information from MoneyFacts). (1) Some exclusions apply, see Barclaycard for more information. (2) If card opened before 22 February 2011, 0% load in Europe, 1% Worldwide. After this date, you can earn some load-free spending, but standard is 2%. (3) Card not available to new customers. (4) Until 31 Dec 2016, then it's 2.95%.

UK debit card overseas charges

If you use your debit card overseas, there's usually a non-sterling transaction fee, which will apply to both purchases and ATM withdrawals. You'll also usually be charged a cash machine fee, but there'll be no interest charged as it's taking cash from your current account.

UK Debit cards (as at June 2016)
Provider Non-sterling transaction fee Cash withdrawal Fee (non-sterling fee will also be charged)
Barclays 2.99% £1.50 (except Barclays or 'Global Alliance' ATMs)
Bank of Scotland 2.99% + £1 per purchase 1.5% min. £2 max £4.50
Clydesdale/Yorkshire 2.75% min £1.50 3.75% min £1.50
The Co-op Bank 2.75% 2% min. £2
Danske Bank 2.75% + £0.75 per purchase £1.25 per withdrawal
First Direct 1st Directory 2.75% NIL
First Direct 1st Direct 2.75% 2% min. £1.75 max £5
Halifax 2.75% + £1.50 per purchase £1.50 per withdrawal
HSBC 2.75% 2% min. £1.75, max £5
HSBC Premier/Advance 2.75% NIL
Lloyds 2.99% + £1 per purchase 1.5% min. £2 max £4.50
Lloyds Platinum/Premier 2.99% 1.5% min. £2 max £4.50
Marks & Spencer Bank 2.75% NIL
Metrobank (Europe) NIL NIL
Metrobank (Worldwide) 1.9% £1
Nationwide 2% £1
Nationwide FlexPlus 2% on spending. 0% on cash withdrawals NIL
NatWest 2.75% min. £1 for purchases 2% min. £2, max £5
Norwich & Peterborough Gold Classic (£5/mth fee if you don't pay in £500 or hold £5,000/mth) NIL NIL
RBS 2.75% min. £1 for purchases 2% min. £2, max £5
Santander 2.75% + £1.25 per purchase 1.5% min. £1.99 (waived if using Santander ATMs in Spain + pay in £500/mth)
Santander Zero (1) NIL NIL
Smile 2.75% 2% min. £2
Tesco Bank 2.75% 1%
TSB 2.99% + £1 per purchase 1.5% min. £2 max £4.50
TSB Platinum/Premier 2.99% 1.5% min. £2 max £4.50
Ulster Bank 2.65% + £0.75 per purchase 2.25% min. £2 max £5
Where an interest rate range is shown, this means it depends on the specific card (source original research, with additional information from MoneyFacts). (1) Card not available to new customers.