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Overseas Spending Charges

Full debit & credit card breakdown
UK Credit cards (as at November 2014)
Spending Withdraw Cash
Provider Load Fee Interest (APR) if paid off in full
The AA 2.99% 5% min. £5 27.9%
American Express 2.99% 3% min. £3 27.9%
Asda 2.99% 3% min. £5 27.9% - 29.9%
Aqua 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 17.5% - 34.9%
Capital One Aspire Business / Classic Extra NIL 3% min. £3 19.9% - 34.9%
Co-op 2.75% 3% min. £3 25.9%
Co-op Clear 2.75% NIL 12.9%
Debenhams 2.75% 3% min. £3 29.9%
Egg (2) 2.95% 3% min. £5 21.9% - 23.9%
First Direct 2.99% 2.99% min. £3 23.9%
Halifax 2.95% 3% min. £3 17.9% - 25.9%
Halifax Clarity NIL NIL 12.9% - 21.9%
HSBC 2.99% 2.99% min. £3 23.9% - 24.7%
HSBC Premier 2.99% 2.99% min. £3 11.9%
Lloyds 2.95% 3% min. £3 17.9% - 25.9%
Lloyds Avios NIL 3% min. £3 18.9% - 25.9%
Marks & Spencer Money 2.99% 2.99% min. £3 23.9%
MBNA 2.99% 5% min. £5 27.9%
Nationwide (3) 2% 2.5% min. £3 27.9%
Nationwide Select NIL 2.5% min. £3 27.9%
NatWest 2.75% 3% min. £3 27.9%
Post Office 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)
Sainsburys 2.75% 3% min. £3 24.9% - 25.9%
Sainsbury's Gold (£5/mth fee. existing custs only) NIL NIL None (24.9% if not repaid in full)
Santander 2.95% 3% min. £3 29.9%
Santander Zero (existing custs only) NIL NIL 29.9%
Smile 2.75% 3% min. £3 12.9%-25.9%
Tesco 2.75% 3% min. £3 24.9% - 27.9%
TSB 2.95% 3% min. £3 17.9% - 25.9%
TSB Advance 2.95% 3% min. £3 11.9 %
Virgin Money 2.99% 5% min. £5 27.9%
Virgin Atlantic 2.75% 2% min. £3 20.9%
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) Card not available to new customers. (3) 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%.
UK Debit cards (as at November 2014)
Provider Load Cash withdrawal Fee (load 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
Co-Op 2.75% 2% min. £2
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% -
Lloyds 2.99% + £1 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) £1.90 £1
Nationwide 2% £1
Nationwide FlexPlus 2% on spending. 0% on cash withdrawals NIL
NatWest 2.75% min. £1 2% min. £2, max £5
Norwich & Peterborough Gold Classic (£5/mth fee if you don't pay in £500 or make 5+ transactions) 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 cash machines in Spain)
Santander Zero (existing custs only) NIL NIL
Smile 2.75% 2% min. £2
TSB 2.99% + £1 1.5% min. £2 max £4.50
TSB Platinum/Premier 2.99% 1.5% min. £2 max £4.50