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.
|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.