Martin Lewis

Debit and Credit Card Overseas Charges
 

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Credit Cards
Debit Cards

UK Credit Cards
(as at July 2008 – these do change, but rarely)

Spending

Withdraw Cash

Provider

Load

Fee

Interest (APR)- if paid off in full

Abbey Zero

NIL

NIL

25.9%

Alliance & L’ster

2.99%

3% min. £3

27.9%

Am. Express

2.73%

£3% min. £3

27.9%

Bank of Scotland

2.95%

3% min £3

23.9% - 27.9%

Barclaycard

2.75%

2.5% min £2.50

27.9%

Capital One

2.75%

3% min £3

25.9% – 34.9%

Co-Op

2.75%

2.5% min. £3

5.1%-23.9%

Egg

2.65% Europe - 2.75 Worldwide

3% min. £3

7.9% - 16.9 %

First Direct

2.75%

2.5% min £2.50

21.9%

Halifax

2.95%

3% min £3

15.9% - 27.9%

HSBC

2.75%

2.5% min £2.50

21.9

Intelligent Finance

2.95%

3% min £3

22.9%

Lloyds TSB

2.75%

2.5% min £2.50

27.9%

Marks & Spencer Money

2.75%

2.5% min. £2.50

18.9%

MBNA

2.75% - 2.99%

3% min £3

27.9%

Mint

2.75%

2.5% min. £2.50

27.9%

Nationwide

NIL

2.5% min £3

22.9%

NatWest

2.75%

3% min £3

27.9%

Post Office

NIL

2.5% min £3

22.9% - 24.9 %

RBS

2.75%

3% min £3

27.9%

Saga

NIL Europe - 1.00% Worldwide

2% min £2

21.4%

Sainsburys

2.75%

3% min £3

19.9%

Smile

2.75%

2.5% min £3

23.9%

Tesco

2.75%

3% min £3

24.9%

Virgin Money

2.99%

3% min £3

24.9%

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




Major UK Debit Cards
(as at 1 July 2008 – these do change, but rarely)

Load

Cash withdrawal Fee

Abbey

2.25%(Europe)
2.75% (elsewhere)

1.5% min. £1.50

Alliance & Leicester

2.95%

2% min. £2

Barclays

2.75%

2% min £1.50 max £4.50 (except Barclays cash machines or those within the Global Alliance.)

Cahoot

2.25%

1.5% min. £1.50

Co-Op

2.75%

2% min £2

First Direct

2.75%

1.5% min £1.75

Halifax

2.75% + £1.50 per purchase

£1.50

HSBC

2.75%

1.5% min £1.75

Intelligent Finance

2.25% + £1.50 per transaction

1.5% min. £1.50

Lloyds TSB

2.99% + £1 per purchase

1.5% min. £2 max £4.50

Nationwide

NONE

NONE

NatWest

2.75% plus £1.25 per purchase

2% min £2, max £5

RBS

2.75% plus £1.25 per purchase

2% min £2, max £5

Smile

2.75%

2% min £2

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