• Shopping Guides
    • Choose a supermarket
      • Aldi
      • ASDA
      • The Co-op
      • Iceland
      • Lidl
      • Marks & Spencer
      • Morrisons
      • Sainsbury’s
      • Tesco
      • Waitrose
    • Compare Supermarket Prices
      • Aldi
      • Asda
      • Boots
      • Iceland
      • Lidl
      • Morrisons
      • Ocado
      • Sainsburys
      • Tesco
      • Poundstretcher
      • Superdrug
      • Waitrose
    • Find a supermarket
    • Food Guides
      • Basmati Rice
      • Drinks & Wine Supermarket
      • E Numbers
      • Fairtrade
      • Food Labelling
      • Food Prices
      • Organic Food
      • Recycling
      • Supermarket Shopping Tips
      • Supermarket Own Brands
    • Organic shop
  • Travel Guides
  • Utilities
    • Broadband
    • Boilers
      • Boiler Insurance
      • Boiler Maintenance Cover
      • Boiler Servicing
      • Finding the Cheapest Boiler Service Quote
      • Oil Boilers
      • Boiler Types – which boiler is right for me?
    • Energy
    • Energy Suppliers
    • Switch and Save
  • Voucher Codes
    • Offers
    • Exclusive voucher codes
  • Finance
    • What are savings bonds?
      • Fixed Rate Bonds
    • Banking and saving
      • Bank Accounts
      • Current Accounts
      • Savings Accounts
      • Student Accounts
    • Investments
      • Investment Bonds
      • Premium Bonds
      • Annuities
    • Credit rating
      • What is a Credit Rating?
      • Improving My Credit Rating
    • Credit Cards
      • Repay Credit Cards or Save?
      • Transferring Credit Cards
      • 0% Interest Credit Cards
      • Balance Transfer Credit Cards
      • FAQ for Credit Cards
    • Loans
      • Personal loans guide
      • Types of Personal Loans
      • Do I Need a Loan?
      • Payday Loans
      • Car Loans
      • Compare Loans
    • Debt Problems
    • Mortgages
      • Right to Buy Mortgages
      • Self Build Mortgages
      • International Mortgages
      • Missold mortgages
    • Pensions
      • Starting a Pension
      • State Pensions
      • Pension Transfers
      • SIPP Pensions
      • Opting Out of a State Pension
      • Missold Pensions
    • Banking Claims
      • Payment Protection Insurance
      • Packaged Bank Accounts
      • Missold Mortgages
      • Missold Pensions
    • Reclaiming Bank Charges
  • Family and Income
    • Increase Your Income
      • Increasing Your Income
      • Selling on eBay – Earn Extra Income
      • Surveys for Cash
    • Students and School
      • Student Loan Entitlements
      • Student Loans
      • Student Loan Calculator
      • Repaying Your Student Loans
      • University Tuition Fees List
      • Introduction of Higher University Fees in 2012-2013
    • Tax and Benefits
      • Tax Credits
      • Council Tax
      • Housing Benefit
    • Car and Petrol Guides
      • Breakdown Cover
      • Save Money on Car Expenses
    • Save Money on Fuel
      • Petrol Cost Calculator
      • Litres per 100KM to MPG Converter
      • Petrol Usage Calculator
      • MPG Calculator
      • Petrol Required for Travel Calculator
      • Fuel table
  • Insurance
    • Breakdown Cover
    • Car Insurance
    • Dental Insurance
    • Health Insurance
    • Home Insurance
      • Buildings Insurance
      • Contents Insurance
    • Income Insurance
    • Life Insurance
    • Mortgage Protection Insurance
    • Travel Insurance
  • News
  • Shop
    • Baby and child
    • Beer, Wine and Spirits
    • Drinks
    • Food Cupboard
    • Health and Beauty
    • Bird and Wildlife Care
    • Household Supplies
    • Nappy Changing
    • Pets
    • Snacks
Supermarket.co.uk
  • View Basket
Supermarket.co.uk
  • Shopping Guides
    • Choose a supermarket
      • Aldi
      • ASDA
      • The Co-op
      • Iceland
      • Lidl
      • Marks & Spencer
      • Morrisons
      • Sainsbury’s
      • Tesco
      • Waitrose
    • Compare Supermarket Prices
      • Aldi
      • Asda
      • Boots
      • Iceland
      • Lidl
      • Morrisons
      • Ocado
      • Sainsburys
      • Tesco
      • Poundstretcher
      • Superdrug
      • Waitrose
    • Find a supermarket
    • Food Guides
      • Basmati Rice
      • Drinks & Wine Supermarket
      • E Numbers
      • Fairtrade
      • Food Labelling
      • Food Prices
      • Organic Food
      • Recycling
      • Supermarket Shopping Tips
      • Supermarket Own Brands
    • Organic shop
  • Travel Guides
  • Utilities
    • Broadband
    • Boilers
      • Boiler Insurance
      • Boiler Maintenance Cover
      • Boiler Servicing
      • Finding the Cheapest Boiler Service Quote
      • Oil Boilers
      • Boiler Types – which boiler is right for me?
    • Energy
    • Energy Suppliers
    • Switch and Save
  • Voucher Codes
    • Offers
    • Exclusive voucher codes
  • Finance
    • What are savings bonds?
      • Fixed Rate Bonds
    • Banking and saving
      • Bank Accounts
      • Current Accounts
      • Savings Accounts
      • Student Accounts
    • Investments
      • Investment Bonds
      • Premium Bonds
      • Annuities
    • Credit rating
      • What is a Credit Rating?
      • Improving My Credit Rating
    • Credit Cards
      • Repay Credit Cards or Save?
      • Transferring Credit Cards
      • 0% Interest Credit Cards
      • Balance Transfer Credit Cards
      • FAQ for Credit Cards
    • Loans
      • Personal loans guide
      • Types of Personal Loans
      • Do I Need a Loan?
      • Payday Loans
      • Car Loans
      • Compare Loans
    • Debt Problems
    • Mortgages
      • Right to Buy Mortgages
      • Self Build Mortgages
      • International Mortgages
      • Missold mortgages
    • Pensions
      • Starting a Pension
      • State Pensions
      • Pension Transfers
      • SIPP Pensions
      • Opting Out of a State Pension
      • Missold Pensions
    • Banking Claims
      • Payment Protection Insurance
      • Packaged Bank Accounts
      • Missold Mortgages
      • Missold Pensions
    • Reclaiming Bank Charges
  • Family and Income
    • Increase Your Income
      • Increasing Your Income
      • Selling on eBay – Earn Extra Income
      • Surveys for Cash
    • Students and School
      • Student Loan Entitlements
      • Student Loans
      • Student Loan Calculator
      • Repaying Your Student Loans
      • University Tuition Fees List
      • Introduction of Higher University Fees in 2012-2013
    • Tax and Benefits
      • Tax Credits
      • Council Tax
      • Housing Benefit
    • Car and Petrol Guides
      • Breakdown Cover
      • Save Money on Car Expenses
    • Save Money on Fuel
      • Petrol Cost Calculator
      • Litres per 100KM to MPG Converter
      • Petrol Usage Calculator
      • MPG Calculator
      • Petrol Required for Travel Calculator
      • Fuel table
  • Insurance
    • Breakdown Cover
    • Car Insurance
    • Dental Insurance
    • Health Insurance
    • Home Insurance
      • Buildings Insurance
      • Contents Insurance
    • Income Insurance
    • Life Insurance
    • Mortgage Protection Insurance
    • Travel Insurance
  • News
  • Shop
    • Baby and child
    • Beer, Wine and Spirits
    • Drinks
    • Food Cupboard
    • Health and Beauty
    • Bird and Wildlife Care
    • Household Supplies
    • Nappy Changing
    • Pets
    • Snacks
International Credit & Debit Card Spending Charges
Home
Travel and Flights

International Credit & Debit Card Spending Charges

Travel and Flights

If you decide to use your card abroad you have two main options.

You can either withdraw cash from an ATM machine or you can pay for goods using your debit or credit card. If you use a card, you’ll be subject to a fee from your bank.

Cash withdrawal charges

While withdrawing cash from ATM machines using your debit/credit card may office excellent exchange rates you will most likely incur a load fee.

This is known as ERTF (exchange rate transaction fee) and a cash withdrawal fee.

Debit and credit cards

The load fee is a fee that almost all debit/credit cards will charge you and is typically between 2 and 3% of your transaction amount.

This charge usually has no minimum or maximum charge.

The cash withdrawal fee is also typical to most debit cards and can come in two forms, either a set charge or a percentage of a transaction amount.

The percentages are typically around 2% but they do have a maximum and minimum cahrge, usually the minimum is around £2 and the maximum £5.

Set charges are typically between £1 and £2.

Important note for credit cards:

If you don’t pay your balance in full after withdrawing cash then you will be charged a high rate of interest, you should really avoid this.

Charges for making purchases

The same load fee you see when withdrawing cash from ATM machines applies to making payments for both debit and credit cards.

The cash withdrawal fee will not apply but many debit cards have purchase transaction fees also.

Making purchases on credit cards abroad will not usually incur a a transaction fee but you will of course be charged the loading fees.

Charges for credit cards as of August 2016:

Credit Card Provider Foreign Usage Charge (EU) Foreign Usage Charge (Worldwide)
AA 2.99% 2.99%
American Express 2.99% 2.99%
Bank of Ireland UK 2.75% 2.75%
Bank of Scotland 2.95% 2.95%
Barclaycard 2.99% 2.99%
Capital One Bank 2.75% 2.75%
Clydesdale Bank 2.95% 2.95%
Creation 2.99% 2.99%
Danske Bank 2.75% 2.75%
first direct 2.99% 2.99%
First Trust Bank (NI) 2.75% 2.75%
Santander 2.95%
Nil – 123 Credit Card
2.95%
Nil – 123 Credit Card
Smile 2.75% 2.75%
Tesco Bank 2.75% 2.75%
The Co-operative Bank 2.75% 2.75%
TSB 2.95% 2.95%
Ulster Bank 2.75% 2.75%
Vanquis Bank 2.99% 2.99%
Virgin Money 2.99% 2.99%
Yorkshire Bank 2.95% 2.95%
Source: Moneyfacts.co.uk – correct as of 11/07/2016

Charges for debit cards as of August 2016:

Bank or Building Society ATM Commission Charge/ Fee (per cash withdrawal in addition to withdrawal fee) ATM Cash Withdrawal Charge/ Fee (per withdrawal) Spending Commission Charge/ Fee per purchase (non-sterling) Spending Charge/ Fee per purchase (non-sterling)
Bank of Scotland 2.99% 1.50%
(min £2.00, max £4.50)
2.99% £1.00
Barclays 2.99% £1.50 2.99% Nil
Citibank 2.75% 2.00%
(min £2.00, max £5.00)
2.75% Nil
Clydesdale Bank Nil 3.75%
(min £1.50)
Nil 2.75%
(Min £1.50)
Coventry Building Society Nil 2.00% Nil Nil
Cumberland BS Nil 2.50%
(Nil for Cumberland Plus Account)
Nil 2.50%
(Nil for Cumberland Plus Account)
Danske Bank 2.75% £1.25 2.75% £0.75
first direct 2.75% 2.00%
(min £1.75, max £5.00)
2.75% Nil
First Trust Bank (NI) 2.75% 1.50% 2.75% Nil
Halifax 2.75% £1.50 2.75% £1.50
HSBC 2.75% 2.00%
(min £1.75, max £5.00)

(Nil on Premier and Advance accounts)

2.75% Nil
Lloyds TSB 2.99% 1.50%
(min £2.00, max £4.50)
2.99% £1.00
(Nil on Platinum account)
M&S Bank 2.75% Nil 2.75% Nil
Metro Bank Nil in Europe

1.90% elsewhere

Nil in Europe

£1.00 elsewhere

Nil in Europe

1.90% elsewhere

Nil
Nationwide BS 2.00% £1 for each withdrawal 2.00% Nil
NatWest 2.75% 2.00%
(min £2.00, max £5.00)
Nil 2.75%
(min £1.00)
Norwich & Peterborough Building Society Nil Nil
(£2.00 for Gold Start Account)
Nil Nil
(£0.75 for Gold Start Account)
Post Office Money 2.75% £1.50 2.75% Nil
Royal Bank of Scotland 2.75% 2.00%
(min £2.00, max £5.00)
2.75% £1.25
Santander 2.75% 1.50%
(min £1.99)
2.75% £1.25
The Co-operative Bank 2.00%
(min £2.00)
2.75% Nil 2.75%
Tesco Bank 2.75% 1.00% 2.75% Nil
TSB 2.99% 2.00%
(min £1.50, max £4.50)
2.99% £1.00
Ulster 2.65% 2.25%
(min £2.00, max £5.00)
2.65% £0.75
Yorkshire Bank Nil 3.75%
(min £1.50)
Nil 2.75%
(min £1.50)
Source: Moneyfacts.co.uk – correct as of 11/07/2016

* Don’t forget that a fee is also charged when you make cash withdrawals.

Things you shouldn’t do with your credit or debit card

Never go to an exchange office abroad and give them your debit card to exchange money into their currency as they will offer you a lower rate and you still get all of the charges you can expect from your UK card supplier.

It’s almost always cheaper to withdraw cash from an ATM abroad than to go to an exchange office abroad and charge to your card.

Facebook Twitter Google+ LinkedIn Pinterest

Related Posts

Airport Parking Travel and Flights

Airport Parking

Low Cost Airlines Travel and Flights

Low Cost Airlines

Cheap Travel Money - Cheap Foreign Currency Travel and Flights

Cheap Travel Money - Cheap Foreign Currency

Latest News
  • Asda
  • Sainsburys
  • Tesco
  • Morrisons
  • Waitrose
Asda, Tesco, Morrisons, Sainsbury's shoppers warned not to eat chocolate over salmonella fears - Daily Record
17 May 2022
ASDA shoppers call for staff to be fired over 'unethical' £1.75 Jubilee party item - Manchester Evening News
16 May 2022
Full list of Tesco, Asda and Sainsbury's increased prices for more than 100 items - Liverpool Echo
17 May 2022
Asda, Costco, Sainsbury's: Cheapest places for petrol in and around Liverpool today - Liverpool Echo
18 May 2022
Asda, Tesco, Morrisons, M&S, Sainsburys: Shoppers warned food prices could go up 10% this year - Lancs Live
17 May 2022
Asda, Costco, Sainsbury's: Cheapest places for petrol in and around Liverpool today - Liverpool Echo
18 May 2022
Plan to build Sainsbury's store on pub car park lodged - Express & Star
17 May 2022
Asda, Tesco and Sainsbury's shoppers urged to check cupboards amid salmonella recall - Wandsworth Guardian
18 May 2022
Tesco, Asda and Sainsbury's hike more than 100 value range prices - here's the full list - Wales Online
17 May 2022
Soaring food prices 'started with Brexit' claims former Sainsbury's boss - Wales Online
17 May 2022
Tesco shopper's plea to bring back till staff - BBC
18 May 2022
Tesco issues urgent two week warning to Tesco Clubcard customers in May - Glasgow Times
18 May 2022
What action is Tesco taking to help UK pig farmers? - FoodManufacture.co.uk
17 May 2022
Tesco launches new campaign to help Brits make better food choices - Retail Gazette
17 May 2022
Jubilee weekend supermarket opening times for Tesco, Asda, Aldi and Morrisons - Heart
17 May 2022
Morrisons rescue deal for McColl's cost £190m - Retail Gazette
18 May 2022
Morrisons biggest changes for shoppers in 2022 including price cuts, packaging and food waste - Yorkshire Live
17 May 2022
Asda, Tesco, Morrisons, Sainsbury's shoppers warned not to eat chocolate over salmonella fears - Daily Record
17 May 2022
Morrisons owner CD&R hatches £2.5bn swoop on facilities management giants - Sky News
17 May 2022
Morrisons trials dual-branded concept store for larger independents - The Grocer
17 May 2022
Capreolus launches British charcuterie range into Waitrose | News - The Grocer
17 May 2022
Waitrose agree partnership with club for #Royals150 Legends match - Reading FC
13 May 2022
Waitrose posts first statutory loss in 10 years - Retail Gazette
13 May 2022
Waitrose sushi counter now available on Deliveroo in Brighton - The Argus
17 May 2022
Every product supermarkets are removing from shelves due to salmonella - Fenland Citizen
12 May 2022
Supermarket Deals
PERFETSELL Shower Foot Scrubber Cleaner Massager Foot Massager Shower Brush with Non-Slip Suction Cups and Soft, Foot…
PERFETSELL Shower Foot Scrubber Cleaner Massager Foot Massager Shower Brush with Non-Slip Suction Cups and Soft, Foot…
£12.89
Buy From Amazon
Molton Brown Delicious Rhubarb & Rose Bath & Shower Gel 300 ml
Molton Brown Delicious Rhubarb & Rose Bath & Shower Gel 300 ml
£22.00
Buy From Amazon
OxeDerm Body Care Wash 100ml / 3.4 fl oz with 2% Salicylic Acid
OxeDerm Body Care Wash 100ml / 3.4 fl oz with 2% Salicylic Acid
£11.97
Buy From Amazon
Cath Kidston Beauty Cottage Patchwork Pamper Hamper (100ml Hand Cream, 50ml Body Scrub, Box Set of four Bathing Salts…
Cath Kidston Beauty Cottage Patchwork Pamper Hamper (100ml Hand Cream, 50ml Body Scrub, Box Set of four Bathing Salts…
£16.21
Buy From Amazon
Sanctuary Spa Sleep Bubble Bath, Lavendar and Midnight Flower Drift Off Bath Soak, 500ml
Sanctuary Spa Sleep Bubble Bath, Lavendar and Midnight Flower Drift Off Bath Soak, 500ml
£23.75
Buy From Amazon
Coors Lager 20 x 330 ml (bottles)
Coors Lager 20 x 330 ml (bottles)
£12.00
Buy From Amazon
Bavaria 0.0 Percent Original Alcohol Free Beer 24 x 330 ml Cans
Bavaria 0.0 Percent Original Alcohol Free Beer 24 x 330 ml Cans
£12.00
Buy From Amazon
Aberlour A’Bunadh Single Malt Scotch Whisky, 70 cl with Gift Box
Aberlour A’Bunadh Single Malt Scotch Whisky, 70 cl with Gift Box
£88.74
Buy From Amazon
Aptamil First Milk from Birth – 12 x 200ml
Aptamil First Milk from Birth – 12 x 200ml
£15.99
Buy From Amazon
3 Pack Bath Shower Sponge JollyJelly Mesh Bath Loofahs Body Scrubber Brush for Women Men Exfoliate Skin Clean Soothe…
3 Pack Bath Shower Sponge JollyJelly Mesh Bath Loofahs Body Scrubber Brush for Women Men Exfoliate Skin Clean Soothe…
£5.99
Buy From Amazon
Molton Brown Re-Charge Black Pepper Shower Gel
Molton Brown Re-Charge Black Pepper Shower Gel
Buy From Amazon
Bio-Oil Skincare Oil – Improve the Appearance of Scars, Stretch Marks and Skin Tone – 1 x 200 ml
Bio-Oil Skincare Oil – Improve the Appearance of Scars, Stretch Marks and Skin Tone – 1 x 200 ml
£14.59
Buy From Amazon
Hardys VR Shiraz Wine, 75 cl
Hardys VR Shiraz Wine, 75 cl
Buy From Amazon
Aveeno Daily Moisturising Body Wash, 500ml
Aveeno Daily Moisturising Body Wash, 500ml
£8.56
Buy From Amazon
Palmolive Aroma Moments So Relaxed Lavander Shower Gel, 250 ml
Palmolive Aroma Moments So Relaxed Lavander Shower Gel, 250 ml
£4.65
Buy From Amazon
Bomb Cosmetics O Christmas Tree Handmade Wrapped Bath & Body Gift Pack, Contains 5-Pieces, 420g
Bomb Cosmetics O Christmas Tree Handmade Wrapped Bath & Body Gift Pack, Contains 5-Pieces, 420g
£12.93
Buy From Amazon
Strictly Professional After Wax Lotion with Aloe Vera and Lavender Oil 500ml
Strictly Professional After Wax Lotion with Aloe Vera and Lavender Oil 500ml
£6.99
Buy From Amazon
Bols Grenadine Syrup 75 cl
Bols Grenadine Syrup 75 cl
£8.05
Buy From Amazon
Trivento Reserve Malbec Wine, 6 x 75cl
Trivento Reserve Malbec Wine, 6 x 75cl
£48.00
Buy From Amazon
Campo Viejo Rioja Tempranillo Red Wine, 6 x 75 cl (Case of 6)
Campo Viejo Rioja Tempranillo Red Wine, 6 x 75 cl (Case of 6)
£48.00
Buy From Amazon
Serenata Flowers
Advertisment
  • Click here - to select or create a menu
  • Compare Prices
  • Aldi
  • ASDA
  • Iceland
  • Lidl
  • Morrisons
  • Netto
  • Sainsbury’s
  • Somerfield
  • Tesco
  • Waitrose
  • Voucher Codes
  • Save on your gas bills
  • Save on your electricity bills
  • Save on your broadband
  • Supermarket news
  • Register
  • Log in
  • Visit the forum
  • Jobs
Follow us on facebook Follow us on twitter
  • About
  • Disclaimer
  • Our Ethics
  • Privacy Policy
  • Terms and Conditions
  • Cookie Policy