News | Know Before You Go | Cost of Using Credit and Debit Cards AbroadCost of Using Credit and Debit Cards Abroad
Using your credit and debit cards abroad can be a costly exercise depending on who you bank with. Savvy travellers can save themselves £££ by understanding the various costs associated with spending and withdrawing cash whilst they are away.
CREDIT CARDS
Provider |
Spending |
Withdrawing Cash |
Cost to withdraw £500 |
Interest (APR)- if paid off in full |
American Express |
2.95% |
3% min £3.00 |
£15.00 |
27.9% |
Barclays |
2.75% |
2.5% min £2.50 |
£12.50 |
15.8% - 27.9% |
Capital One |
2.75% |
3% min £3.00 |
£15.00 |
9.94% - 34.9% |
Egg |
2.95% |
3% min £5.00 |
£15.00 |
23.9% - 25.9% |
Halifax |
2.95% |
3% min £3.00 |
£15.00 |
27.95% |
HSBC |
2.99% |
2.99% min £3.00 |
£14.95 |
23.9% |
Lloyds TSB |
2.95% |
3% min £3.00 |
£15.00 |
27.9% |
Marks & Spencer Money |
2.99% |
2.99% min £3.00 |
£14.95 |
23.9% |
Nationwide |
0% in Europe 1% Worldwide |
2.5% min £3.00 |
£12.50 |
27.9% |
NatWest |
2.75% |
2.5% min £3.00 |
£12.50 |
24.9% |
Post Office |
0% |
2.5% min £3.00 |
£12.50 |
24.1% |
RBS |
2.75% |
3% min £3.00 |
£15.00 |
19.95%-27.95% |
Saga |
0% |
2% min £2.00 |
£10.00 |
19.6% |
Sainsburys |
2.75% |
3% min £3.00 |
£15.00 |
24.9% |
Santander |
2.95% |
3% min £3.00 |
|
27.9% |
Tesco |
2.75% |
3% min £3.00 |
£15.00 |
24.94% |
Virgin Money |
2.99% |
3% min £3.00 |
£15.00 |
27.9% |
DEBIT CARDS
Provider |
Spending |
Withdrawing Cash |
Cost to withdraw £500 |
Barclays |
2.99% |
2% min £1.50 max £4.50 (except Barclay cash machines or those within the Global Alliance) |
£10.00 |
First Direct |
2.75% |
2% min £1.75, max £5.00 |
£10.00 |
Halifax |
2.75% plus £1.50 per purchase |
£1.50 |
£1.50 |
HSBC |
2.75% |
2% min £1.75, max £5.00 |
£10.00 |
Lloyds TSB |
2.99% |
2.99% min £2.00, max £4.00 |
£7.50 |
Nationwide |
2% (from 1st of November) |
2% plus a £1 per withdrawal (from 1st of November) |
£11.00 |
NatWest |
2.75% plus £1.25 per purchase |
2% min £2.00, max £5.00 |
£10.00 |
RBS |
2.75% plus £1.25 per purchase |
1.5% min £2.00, max £5.00 |
£7.50 |
Santander |
2.75% |
1.5% min, £1.99 |
£7.50 |
NB: Information correct as of 28th October 2010.
APH makes every effort to ensure that the information provided is accurate at the time of collection and publishing but it is provided without any kind of warranty. APH accepts no liability for any loss or damage arising from the use of the information.
