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Overseas Spending Charges Full Debit & Credit card breakdown

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UK CREDIT cards (as at June 2013)
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%
Bank of Ireland 2.75% 2.5% min. £3 24.9%
Bank of Scotland 2.95% 3% min. £3 17.9% - 23.9%
Barclaycard (2) 2.99% NIL None (27.9% - 29.9% if not repaid in full)
Capital One 2.75% 3% min. £3 17.57% - 34.94%
Capital One Aspire World / Classic Extra NIL 3% min. £3 19.9% - 34.94%
Co-op 2.75% 3% min. £3 9.9% - 25.9%
Co-op Clear 2.75% NIL 12.9%
Debenhams 2.75% 3% min. £3 28.8% - 29.9%
Egg 2.95% 3% min. £5 21.9% - 23.9%
First Direct 2.99% 2.99% min. £3 21.9% - 22.4%
Halifax 2.95% 3% min. £3 17.95% - 25.95%
Halifax Clarity NIL NIL 12.9% - 21.95%
HSBC 2.99% 2.99% min. £3 23.9%
Lloyds TSB 2.95% 3% min. £3 17.95%
Marks & Spencer Money 2.99% 2.99% min. £3 23.9%
MBNA 2.99% 5% min. £5 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 26.9%
RBS 2.75% 3% min. £3 27.95%
Saga NIL 2% min. £2 None (19.6% if not repaid in full)
Sainsburys 2.75% 3% min. £3 24.93% - 25.95%
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% - 29.9%
Santander Zero (existing custs only) NIL NIL 29.9%
Smile 2.75% 3% min. £3 25.9%
Tesco 2.75% 3% min. £3 24.94%
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) 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%.

(2) Some exclusions apply, see Barclaycard for more information.

UK DEBIT cards (as at June 2013)
Load Cash withdrawal Fee
(load will also be charged)
Barclays 2.99% £1.50 (except Barclays or 'Global Alliance' ATMs)
Co-Op 2.75% 2% min. £2
First Direct 2.75% 2% min. £1.75 max £5 (excludes First Directory customers)
Halifax 2.75% + £1.50 per purchase £1.50 per withdrawal
HSBC 2.75% 2% min. £1.75, max £5 (excludes Premier and Advance customers)
Lloyds 2.99% + £1 (£1 waived for Platinum/Premier debit card holders) 1.5% min. £2 max £4.50
Metrobank (London branch applications only) NIL NIL
Nationwide 2% £1 per withdrawal
Nationwide FlexPlus 2% on spending. 0% on cash withdrawals. NIL
NatWest 2.75% min. £1 for purchases,
2.75% for cash
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% min. £1 for purchases,
2.75% for cash
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 waived for Platinum/Premier debit card holders) 1.5% min. £2 max £4.50

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