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Best debit cards to use abroad

By Chiara Cavaglieri

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Best debit cards to use abroad

In this guide we outline the fees and charges you face when using your debit card for purchases and withdrawals overseas.

Bank accounts: which is cheapest for use abroad?

We show how much your bank charges you each time you make a purchase or withdraw money 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, head to Which? Money Compare to find which Best Rate credit card for overseas spending is worth considering.

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

Debit card overseas charges on standard current accounts
Provider Network Foreign loading fee Purchase fee Withdrawal fee Total  charge*

Norwich and Peterborough BS

Visa No fee No fee No fee No fee

Marks and Spencer Bank

Marks & Spencer

Visa 2.75% No fee No fee £6.88

Nationwide BS

Visa 2% No fee £1 £8.00

Metro Bank

Metrobank

MasterCard No fee Europe / 2.50% elsewhere No fee No Fee Europe / £1.50 elsewhere No fee Europe / £10.75 elsewhere

Barclaysa

Barclays Bank
Visa 2.75% No fee £1.50 min £11.38

First Direct

Visa 2.75% No fee 2.00% or £1.75 min, £5.00 max £12.13

HSBC

HSBC
Visa 2.75% No fee 2.00% or £1.75 min, £5.00 max £12.13

Clydesdale Bank

Visa 2.75% or £1.50 min No fee 3.75% or £1.50 min £12.50

Yorkshire Bank

Yorkshire Bank
Visa 2.75% or £1.50 min No fee 3.75% or £1.50 min £12.50

NatWest

Visa No fee 2.75% or £1 min 2.00% or £2.00 min, £5.00 max £12.88b

Royal Bank of Scotland

Royal Bank of Scotland
Visa No fee 2.75% or £1 min 2.00% or £2.00 min, £5.00 max £12.88b

The Co-operative Bank

Visa 2.75% No Fee 2.00% or £2.00 min £12.88

Halifax

Visa 2.75% £1.50 £1.50 £14.38

Santander

Visa 2.75% £1.25 1.50% or £1.99 min £15.35

Bank of Scotland

Bank of Scotland

Visa 2.99% £1.00 1.50% or £2.00 min, £4.50 max £15.48

Lloyds Bank

Visa 2.99% £1.00 1.50% or £2.00 min, £4.50 max £15.48

TSB

Tsb

Visa 2.99% £1.00 1.50% 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 March 2017.
a Withdrawal fee is waived at Golden Alliance cash machines
b Foreign cash fee - 2% of the value of the transaction (min £2, max £5). Also charge a non-sterling transaction fee - 2.75% of the value of the transaction.

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