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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

Click on the 'more info' button to find out extra details about these accounts.  

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

Starling Bank

Starling bank image
Mastercard No fee No fee No fee No fee
Starling Bank is a mobile-only bank, with no physical branches. Find out more in our review of Starling Bank.

Norwich and Peterborough BS

Visa No fee No fee No fee No fee
This account is no longer open to new customers. Norwich and Peterborough Building Society is in the process of closing all current accounts, although no deadline has been set.

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

Barclays

Barclays Bank
Visa 2.75% No fee £1.50 min £11.38
Withdrawal fee is waived at Golden Alliance cash machines

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 £12.88
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.

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 £12.88
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.

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.

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