Using your Visa Debit card abroad

Give it a go next time you're away

To use your Visa Debit card, just look for the Visa logo in retailers or on cash machines next time you are abroad, then use your card as normal.

Remember to let us know your travel plans when you’re travelling abroad

If you intend to use your debit card abroad it is advisable to let us know your travel plans at least 24 hours in advance. Registering your trip will notify our transaction monitoring systems that you will be using your card abroad. This will significantly reduce the likelihood of your transactions being blocked.

Registering your trip with Digital Banking

If you are signed up for Digital Banking, you can log on and register details of your trip, it only takes a few minutes. All you need to do is select ‘Using your card abroad’ from the ‘Our Products’ menu and enter the details of your trip. This can be found on the right hand side of the page. Alternatively pop into your local branch where our staff would be happy to help.

You should be aware that there are certain countries where use of payment cards may be restricted or limited due to government sanctions or political situations. Currently we are aware of such issues in Cuba, Iran, Burma (commonly known as Myanmar), North Korea, Sudan and Syria. However you should check for the up to date position with your tour operator or that issued by the Foreign & Commonwealth Office. 

Ensure your details are up to date

Make sure you give us your current UK mobile number, just in case we need to contact you whilst you are away. Your service provider may charge you to receive calls or texts abroad, so it’s best to check with them before you go.

hero-family-on-beach

Fees & Charges

Charges apply when using your Debit card abroad or in a foreign currency

Please remember that to be able to use your card abroad, you need to ensure you have enough funds in your account to cover your transaction - just as you would back home.

Transaction type Charges
Sterling cash withdrawals from any UK cash machine (ATM) No charge*
Sterling cash withdrawals from any RBS branch in the UK, the Channel Islands, Isle of Man or Gibraltar
Sterling cash withdrawals in the UK in any bank, travel agent, bureau de change or other outlet displaying the Visa logo
Purchase of foreign currency or travellers cheques in the UK**
Foreign currency withdrawal from any cash machine (ATM) in the UK

We will charge a Foreign Cash Fee of 2% of the value of the transaction (minimum £2, maximum £5). We will also charge a Non-Sterling Transaction Fee of 2.75% of the value of the transaction.

If you elect for the transaction to be converted into Sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee.

Cash withdrawals or the purchases of currency or travellers cheques outside the UK
Purchases made outside the UK (for example, purchasing goods in a shop) We will charge a Foreign Purchase Fee of 2.75% of the value of the transaction (minimum £1).
Purchases made anywhere in a foreign currency (for example, online/telephone purchases made in or outside the UK)

*We will not charge you for using your card at an ATM in the UK but other companies may charge a fee. You will be advised on screen about any charges before you withdraw cash.

**Standard commission rates apply 

Visa Payment Scheme Exchange Rate

Any transaction made in a foreign currency using your Debit card or ATM card is converted by us into Sterling using the Visa Payment Scheme Exchange Rate. To see the up-to-date rates used for Debit cards and ATM cards visit www.visaeurope.com and click on the Cardholders section.

 

 

Set Tab for lightbox