Overseas Spending Charges Full Debit & Credit card breakdown

Updated
1 Aug

The Money Team

The Money Team consists of Dan, Alana, Wendy and Sally, and they have worked together to write and update this guide. Martin oversees the process with this guide.

The Consumer Team

The Consumer Team consists of Archna, Jenny, Rose and Becca, and they have worked together to write and update this guide.

New to the site? Quick message from Martin:

All the latest deals, guides and loopholes go in MoneySavingExpert's
free weekly email. Don't miss out - join the 6m who get it emailed!

FAQs | Unsubscribe 
Past Emails | Privacy

Arrow Full charges for all UK Credit Cards

Arrow Full charges for all UK Debit Cards

Arrow Return to the full Cheap Travel Money guide.

UK CREDIT cards (as at August 2011)

Spending Withdraw Cash
Provider Load Fee Interest (APR) if paid off in full

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%.


UK DEBIT cards (as at August 2011)

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

Arrow Return to the full Cheap Travel Money guide.


Cheap Travel Money

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.