Overseas Spending Charges Full Debit & Credit card breakdown

The AA

2.99%

3% min. £3

27.9%

American Express

2.99%

3% min. £3

27.9%

Asda

2.75%

3% min. £3

28.4%

Bank of Ireland

2.75%

2.5% min. £3

24.9%

Bank of Scotland

2.95%

3% min. £3

27.95%

Barclaycard

2.75%

2.5% min. £2.50

15.8% - 29.9%

Capital One

2.75%

3% min. £3

9.94% - 34.9%

Co-op

2.75%

3% min. £3

9.9% - 25.9%

Egg

2.95%

3% min. £5

21.9% - 23.9%

First Direct

2.99%

2.99% min. £3

24% - 24.81%

Halifax

2.95%

3% min. £3

27.95%

Halifax Clarity

NIL

NIL

12.9%

HSBC

2.99%

2.99% min. £3

23.9%

Lloyds TSB

2.95%

3% min. £2.50

27.9%

Marks & Spencer Money

2.99%

2.99% min. £3

23.9%

MBNA

2.75% - 2.99%

3% min. £3

27.9%

Nationwide (1)

2%

2.5% min. £3

27.9%

NatWest

2.75%

3% min. £3

27.95%

Post Office

NIL

2.5% min. £3

26.94%

RBS

2.75%

3% min. £3

27.95%

Saga

NIL

2% min. £2

NONE (21.47% if not repaid in full)

Sainsburys

2.75%

3% min. £3

24.93%

Sainsbury's Gold (£5/mth fee)

NIL

NIL

NONE (24.9% if not repaid in full)

Santander/Alliance & Leicester

2.95%

3% min. £3

27.9%

Santander Zero (existing custs only)

NIL

NIL

27.9%

Smile

2.75%

2.5% min. £3

25.9%

Tesco

2.75%

3% min. £3

24.94%

Virgin Money

2.99%

3% min. £3

27.9%

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

(1) 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%.

Load

Cash withdrawal Fee
(load will also be charged)

Barclays

2.99%

2% min. £1.50 max £4.50 (except Barclays or 'Global Alliance' ATMs)

Co-Op

2.75%

2% min. £2

First 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

Lloyds TSB

2.99% + £1 per purchase

1.5% min. £2 max £4.50

Metrobank (London branch applications only)

NIL

NIL

Nationwide

2%

£1 per withdrawal

NatWest

2.75% + £1.25 per purchase

2% min. £2, max £5

Norwich & Peterborough (£5/mth fee if you don't pay in £500 or make 5+ transactions)

NIL

NIL

RBS

2.75% + £1.25 per purchase

2% min. £2, max £5

Santander

2.75% + £1.25 per purchase

1.5% min. £1.99

Santander Zero (existing custs only)

NIL

NIL

Smile

2.75%

2% min. £2