Bank accounts: Charges to use your debit card abroad

Bank accounts: which is cheapest for use abroad?

We show how much your bank charges you each time you make a purchase or withdraw abroad. The 'Total charge' is based on debit card transactions of 2 x £50 purchases and 3 x £50 cash withdrawals.

If your bank is one of the more expensive on the market, then you can find which Best Rate credit card for overseas spending is worth considering by checking out Which? Money Compare comparison tables.

Find out more: Travel money - tips for finding the best exchange rates 

 
Debit card overseas charges on standard current accounts
ProviderNetworkForeign loading feePurchase feeWithdrawal feeTotal  charge*

Norwich and Peterborough BS (Gold Account)

VisaNo feeNo feeNo fee£0.00

Marks and Spencer Bank

Marks & Spencer

Visa2.75%No feeNo fee£6.88

Metro Bank

Metrobank

MasterCardNo fee Europe / 1.9% elsewhereNo feeNo Fee Europe / £1 elsewhereNo fee Europe / £7.75 elsewhere

Nationwide BS

Visa2%No fee£1£8.00

Clydesdale Bank

Visa2.75% or £1.50 minNo fee3.75% or £1.50 min£8.63

Yorkshire Bank

Yorkshire Bank
Visa2.75% or £1.50 minNo fee3.75% or £1.50 min£8.63

Barclaysa

Barclays Bank
Visa2.99%No fee£1.50 min£11.98

First Direct

Visa2.75%No fee2.00% or £1.75 min, £5.00 max£12.13

HSBC

HSBC
Visa2.75%No fee2.00% or £1.75 min, £5.00 max£12.13

NatWest

VisaNo fee2.75% or £1 min2.00% or £2.00 min, £5.00 max£12.88

Royal Bank of Scotland

Royal Bank of Scotland
VisaNo fee2.75% or £1 min2.00% or £2.00 min, £5.00 max£12.88

The Co-operative Bank

Visa2.75%No Fee2.00% or £2.00 min£12.88

Halifax

Visa2.75%£1.50£1.50£14.38

Santander

Visa2.75%£1.251.50% or £1.99 min£15.35

Bank of Scotland

Bank of Scotland

Visa2.99%£1.001.50% or £2.00 min, £4.50 max£15.48

Lloyds Bank

Visa2.99%£1.001.50% or £2.00 min, £4.50 max£15.48

TSB

Tsb

Visa2.99%£1.001.50% or £2.00 min, £4.50 max£15.48

Table notes 

*Total charge based on 2 x £50 purchases and 3 x £50 cash withdrawals. Information correct at February 2016.

a Withdrawal fee is waived at Golden Alliance cash machines

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