Life Moments


Can I use my debit card abroad?

Yes, you can. However, it's important to be aware of any fees associated with making purchases or withdrawing money from an ATM. Check out our tips below for using your debit card abroad.

  1. 01

    Debit card providers may charge a foreign purchase fee of up to 2.99%.

  2. 02

    Paying in sterling rather than local currency is often more expensive as there could be a local charge.

  3. 03

    You can use your contactless card abroad like you can in the UK. Just look for the contactless symbol. Limits can vary when you’re abroad.

    Don't forget to register your card for travel

    You can register your card online, in the app, over the phone or in a branch. Just give us 24 hours notice and you're good to go.

Save on your summer holiday

We're lowering purchase fees and minimum fees for our Current Account customers when you pay using your Visa debit card all summer until the 5th October.

Not valid for ATM withdrawals. Other local fees may apply.

Reduced foreign purchase fees

Saving you money on spending abroad

We're helping you spend little and often this summer with reduced foreign purchase fees when you use your Visa debit card abroad.

You can find out what fees you will be charged by selecting your your account type from the table dropdown below.

Available to customers with Visa debit card linked to Select, Premier Select, Select Silver, Select Platinum, Premier Select Platinum, Reward, Premier Reward, Personal Current, Student, Revolve, Basic and Foundation account only. Not valid for ATM withdrawals. Other local fees may apply. Accounts available to UK residents over 18. Criteria applies. Premier Select, Premier Select Platinum, and Reward Premier are only available to Premier Customers.

No foreign purchase fees with a Reward Packaged Account

Good news for our Reward Packaged Account customers. You'll never pay foreign purchase fees when paying with your Visa debit card abroad.

Fee free foreign purchases

No foreign purchase fee for Black, Reward Silver, Reward Platinum and Reward Black account holders

Benefit from loads of travel perks, including no foreign purchase fees on all Visa debit card purchases abroad. That means you can make purchases anywhere in the world without worrying about extra charges. If you're a Black or Reward Black customer,check out the Premier current accounts page for more information.

Available to customers with Visa debit card linked to Reward Silver, Reward Platinum, Black or Reward Black accounts from Royal Bank only. Not valid for ATM withdrawals. Other local fees may apply. Accounts available to UK residents over 18. Monthly fees apply. Premier Banking is subject to income, savings or borrowing eligibility criteria. Black and Reward Black available to Premier customers.

Will I be charged for using my debit card abroad?

Depending on your account type, you may be charged foreign purchase fees for using your Visa debit card abroad. Select your account below to find out more.

Important fee information

A helping hand when you’re trotting the globe

The Royal Bank Credit Card has no foreign transaction fees, so you can buy things abroad without the worry of paying over the odds.

Representative 9.9% APR (variable) 

More about this card  

To apply, you must be 18+, earning at least £10K per year and a UK resident

Using cash abroad

  • Cash is accepted everywhere, from food and drink to taxi fares. Sometimes it’s good to have cash on you, especially if you’re travelling off the beaten track.
  • Getting money from a cashpoint abroad can come at a cost. You’ll most likely be charged a Non-Sterling Transaction Fee and a Foreign Cash Fee.
  • Tourists can stand out to thieves, so always be alert. Try not to take more cash with you than you’ll need, and use your hotel safe whenever you can.
  • Keep your cash safe when you’re out and about. You can split it across different places like your wallet, a secure bag and a money belt.

Download our app and register your holiday plans

Our mobile app is secure, easy to use and convenient. And it can help you keep track of your spending while you’re away.

With our app you can:

  • Check your balance
  • View your transactions details
  • Register your travel plans

Our app is available to Digital Banking customers with a UK or international mobile number in specific countries.

Frequently asked questions

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