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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.

  • What it costs

    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, refunds and when you shop online at a non-UK website. 

    The Global ATM Alliance

    We’re part of the Global ATM Alliance. This is a group of banks that have agreed to give customers a cheaper way to withdraw money when they’re abroad. If you withdraw cash from a cash machine that’s not Barclays, or a Global Alliance member bank, you’ll be charged a £1.50 non-sterling cash fee, and the cash machine provider may apply other charges.

    Find one of our member banks in the country you’re travelling to

    Country

    Partner bank

    Australia

    Canada

    France

    Germany

    New Zealand

    Turkey

    Ukraine

    USA

    How we previously referred to the charges

    Along with other UK banks, we’re now referring to these charges as the non-sterling transaction fee and the non-sterling cash fee. 

    The non-sterling transaction fee was previously referred to as ‘commission’ and ‘foreign exchange charge’ and the non-sterling cash fee as ‘a fee’ and ‘transaction charge’.

  • Compare transactions costs

    This table shows what we’ll charge you when using your debit card abroad, or when paying 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

    £1.50 non-sterling cash fee

    Total

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

    £88.00

    £2.42

    £0

    £90.42

    Withdrawing cash at a Barclays ATM abroad or an ATM at a Global Alliance Partner

    £88.00

    £2.42

    £0

    £90.42

    Withdrawing cash from any other ATM abroad2

    £88.00

    £2.42

    £1.50

    £91.92

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

    £88.00

    £2.42

    £1.50

    £91.92

    Buying foreign currency before you travel from the Barclays Travel Line

    £93.11

    £0

    £0

    £93.11

    Please note that the information provided is only intended for use as a guide and the actual charges applied to a transaction of similar amounts may differ.

    The exchange rates here are based on the Visa Exchange Rate of 1 June 2018 and the Travel Line rate of 1 June 2018.

    Information about using your Barclaycard abroad 

    Visa converts transactions into sterling using the Visa Exchange Rate on the day it processes the transaction. This date may be different to the day on which the transaction took place. Historic exchange rate information is available at www.visaeurope.com

    Visa Exchange Rate – 1 June 2018 – 0.8804
    Travel Line – 1 June – 0.9311

  • On your statement

    These are how we’ll refer to the transactions on your statement:

    A 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 date may be different to the day on which the transaction took place.

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

    A 2.75% fee applied by Barclays for using your debit card abroad when making purchases, withdrawing cash or when you are being refunded. This 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.

    C non-sterling cash fee (previously referred to as ‘a fee’ and ‘transaction charge’)

    A £1.50 fee applied by Barclays, on top of the 2.75% non-sterling transaction fee, for using your debit card abroad when getting cash over the counter at a bank (including Barclays), or using an ATM other than a Barclays cash machine or  cash machine that’s a Global Alliance member bank .

    D Date

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

     

  • Security

    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 you’re card is lost or stolen you can call our 24-hour emergency helpline, we can also 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

Get your travel money with ease. Choose quick, free home delivery in the UK – or collect from one of our branches.

Barclays Mobile Banking

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

Cloud It

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