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Using your debit card abroad - what it costs

Using your debit card abroad - what it costs

These are the charges that apply when you use your Barclays debit card abroad.

For more information on our debit cards, please click the button below.

If you are asked to pay in sterling (DCC transaction)

When using your debit card abroad, some merchant terminals or ATMs may offer you the choice of paying for your transaction in sterling. If you choose to do so, the 2.75% Non-Sterling Transaction Fee will not apply, but you should always try to find out what the merchant or ATM provider’s commission charges are and what exchange rate they are using because, overall, it may be more expensive to pay in sterling.

These are known as Dynamic Currency Conversion (DCC) transactions because the currency conversion is done by the merchant or ATM provider rather than the card scheme, using their exchange rate.

Although the Non-Sterling Transaction Fee will not apply for DCC transactions, you will still have to pay the Non-Sterling Cash Fee if you are getting cash over the counter at a bank abroad (including Barclays), or using an ATM other than a Barclays ATM or an ATM at a Global Alliance member bank.

Important information

1. The Non-Sterling Transaction Fee will also apply whenever you do not pay in sterling (either abroad or in the UK), for example, when you shop online at a non-UK website.

2. In addition to the Non-Sterling Transaction Fee and the Non-Sterling Cash Fee, the ATM provider may apply other charges.