Using your RBS card abroad
Spending abroad explained
Using your card abroad
Using a RBS VISA debit card is an easy and convenient way of paying for goods and services wherever you see the VISA logo.
You can also use your card worldwide to pay for goods and services and withdraw cash, just look out for the VISA logo shown on your card.
Your card is accepted at over 29 million retailers and 1 million cash machines worldwide. You also benefit from purchase protection when using your debit card to pay for goods and services. Charges apply for using your debit card abroad and for certain transactions in the UK.
Tell us you're going abroad
Holidays are about being free to do what you want. Let us know at least 24 hours in advance so that we can reduce the likelihood of your debit or credit card being blocked and you should be able to spend freely without worrying.
If you are signed up for Online Banking, you can log on and select 'Cards' from within the left hand menu to register your travel plans within 'Using your debit card abroad'. It only takes a few minutes. Alternatively pop into your local branch where our staff would be happy to help.
If you'd like to let us know you are going to use your credit card abroad, you can register your travel arrangements by calling our credit card service line where we will take you through enhanced security to ensure your cards remain as safe as possible.
0370 907 0010 (Overseas +44 1268 508018)
Minicom: 0800 141 3999
Open 24 hours a day.
Calls may be recorded.
Mobile & Online banking abroad
You can keep your eye on your finances with our mobile app so there's no big surprises when you get back from your holiday. Eligibilty criteria applies to this service.
With Online Banking, wherever there is wifi, you can keep an eye on your finances. Remember to take your card reader with you! Eligibilty criteria applies to this service.
Paying in Sterling abroad
When you use your card abroad, you can sometimes pay in sterling rather than local currency. Paying this way is often more expensive than paying in the local currency as there could be a local charge. If you do pay in sterling, then the Non Sterling Transaction Fee on both RBS debit and credit cards will not apply. Please note that if you withdraw cash abroad or in the UK using your credit card, regardless of currency, then a 3% (min £3) cash fee will always apply.
If you're withdrawing money from cash machines using your RBS debit or credit card, make sure you know your daily withdrawal limit. But remember, you'll need to know what your limit is when converted to the country's currency.
Our fees & charges
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 do this through your Digital Banking.
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. Charges apply when using your debit card abroad.
|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)|
Where a charge in the table above is stated as a percentage, this is a percentage of the sterling transaction amount.
*We will not charge you for using your card at a cash machine (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.|
Our handy guide to using your card abroad
On holiday, it's good to know all the costs of using your debit and credit cards before you touch down.
Our handy guide tells you everything you need to know about using your cards abroad. Print it, pocket it, relax.