Using your RBS debit card abroad | RBS

Using your debit card abroad

Add your signposting title here… Using your debit card abroad

Register your travel details with RBS at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

All you need to do is login to digital banking and select 'Cards' from within the left hand menu to register your travel plans, selecting 'Using your debit card abroad'. It only takes a few minutes. Alternatively pop into your local branch where our staff are happy to help.

Register your travel details
via digital banking

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Add your signposting title here… Using your credit card abroad

If you're travelling abroad and plan to use your Credit Card to pay for things, let us know at least 24 hours in advance and you should be able to spend freely without worrying about your card being blocked.

You can register your travel details by calling our credit card service line where we'll take you through enhanced security to ensure your cards remain as safe as possible.

Register your credit card

Keep on top of your spending abroad

Your time on holiday is precious so don't waste time worrying about your finances. Our mobile app lets you stay in touch with your account at a time that suits you. Plus, beyond checking your balance it's packed full of features to let you do your day to day banking:

Pay your bills and friends

Set up and manage standing orders

Manage and cancel Direct Debits

Log in using your fingerprint

Learn more about the app
Mobile app

App available on most smartphones to RBS customers with Digital Banking and a UK mobile number

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 and charges

Transaction type Charges
Sterling cash withdrawals from any UK cash machine (ATM) No charge
Sterling cash withdrawals from any NatWest branch in the UK, the Channel Islands, Isle of Man or Gibraltar No charge
Sterling cash withdrawals in the UK in any bank, travel agent, bureau de change or other outlet displaying the Visa logo No charge
Purchase of foreign currency or travellers cheques in the UK** No charge
Foreign currency withdrawal from any UK cash machine (ATM) 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.
Cash withdrawals or the purchases of currency or travellers cheques outside the UK 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.
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 charge a Foreign Purchase Fee of 2.75% of the value of the transaction (minimum £1)

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.
**Standard commission rates apply.

Visa Payment Scheme Exchange Rate
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.
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Get text alerts abroad

Text alerts are a simple way to keep you up-to-date with your account wherever you are.  Eligibility criteria applies to this service.

Set-up text alerts
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.

Add your signposting title here… How can we help you today?

We're here to help answer any questions you might have when you're away. Find our most popular questions here or ask another question in the search bar below.

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