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Using your debit card abroad

A secure and convenient way to pay when you’re away

Using your debit card is an easy way to withdraw cash and make purchases – wherever you are.

  • The non-sterling transaction fee

    If you use your debit card abroad or pay in a currency that’s not sterling, we’ll charge you a 2.75% non-sterling transaction fee. This includes cash withdrawals in a foreign currency outside the UK, debit card payments in a foreign currency, refunds and shopping online on a non-UK website. If you’re withdrawing cash, the cash machine provider may apply other charges.

  • This table shows what we’ll charge when you use your debit card abroad, or when you pay in a currency other than sterling (either abroad or in the UK).

    100 Euro transaction

    Converted amount

    100 Euro transaction

    2.75% non-sterling transaction fee

    Total

    Making purchases abroad (including when you are being refunded)1

    £88.00

    £2.42

    £90.42

    Withdrawing cash from any ATM abroad2

    £88.00

    £2.42

    £90.42

    Getting cash over the counter at a bank abroad (including Barclays)

    £88.00

    £2.42

    £90.42

    Buying foreign currency before you travel from the Barclays Travel Line

    £93.11

    £0

    £93.11

  • This is how we’ll refer to the transactions on your statement:

    Visa exchange rate

    This is the exchange rate used by Visa to convert the transaction into sterling on the day Visa processes the transaction. This might not be the same day when the transaction took place.

    Non-sterling transaction fee (previously referred to as ‘commission’ and ‘foreign exchange charge’)

    A 2.75% fee charged by us for using your debit card abroad when making purchases, withdrawing cash or for refunds. You’ll also pay this fee whenever you don’t pay in sterling (either abroad or in the UK) such as shopping online at a non-UK website.

    Date

    This is the date on which the transaction took place (might be different to the day on which Visa processed the transaction).

     

  • Our fraud-detection systems are constantly verifying transactions.

    • There’s no need to tell us you’re going abroad – but make sure we have your up-to-date contact details 
    • If we’re concerned about a transaction made using your card, we’ll get in touch to check it’s genuine
    • If we have your mobile number, we’ll send a text to ask if you know about the transaction – and you can confirm it by replying
    • If your card is lost or stolen call our 24-hour emergency helpline. We can arrange some emergency cash for you

     

If you’re asked to pay in sterling (DDC transaction)

Some cash machines or merchant terminals 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 commission charges are and what exchange rate they are using because, overall, it may be more expensive to pay in sterling.

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

Foreign currency

Bureau de change

We're sorry, we're unable to process currency orders in branch, online or over the phone right now. Check our service status page for the latest updates.

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The Barclays app

You can now do even more of your everyday banking on your phone.

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Cloud It

Keep your documents safe – before you go, upload all your important travel documents including your passport.