Bank accounts Charges to use your debit card abroad

The table below shows the fees and charges you will incur when using your debit card abroad. The 'Total charge' is based on debit card transactions of 10 x £50 purchases and 5 x £50 cash withdrawals.

 

Debit card overseas charges on standard current accounts
Provider	Network	Foreign loading fee	Purchase fee	Withdrawal fee	Total  charge*
Norwich & Peterborough BS	Visa	No fee	No Fee	No Fee	£0.00
Nationwide BS	Visa	2.00%	No Fee	£1.00	£20.00
First Direct	Visa	2.75%	No Fee	2.00% or £1.75 min, £5.00 max	£29.38
HSBC	Visa	2.75%	No Fee	2.00% or £1.75 min, £5.00 max	£29.38
The Co-operative Bank	Visa	2.75%	No Fee	2.00% or £2.00 min	£30.63
Barclaysa	Visa	2.99%	No Fee	2.00% or £1.50 min, £4.50 max	£29.93
Lloyds TSB	Visa	2.99%	£1.00	1.50% or £2.00 min, £4.50 max	£42.43
Bank of Scotland	Visa	2.99%	£1.00	1.50% or £2.00 min, £4.50 max	£42.43
Santander	Visa	2.75%	£1.25	1.50% or £1.99 min	£43.08
Halifax	Visa	2.75%	£1.50	£1.50	£43.13
NatWest	Visa	2.75%	£1.25	2.00% or £2.00 min, £5.00 max	£43.13
Royal Bank of Scotland	Visa	2.75%	£1.25	2.00% or £2.00 min, £5.00 max	£43.13

Table notes

*Total charge based on 10 x £50 purchases and 5 x £50 cash withdrawals

1. Withdrawal fee is waived at Golden Alliance cash machines

More on this...

• Need individual help on using your debit card abroad? Call the Which? Money Helpline
• Is your bank account provider a Which? Recommended Provider?
• To find out how well your banking provider did - check out our Customer Satisfaction results