There are no charges when using your card in retailers in the country of the currency on the card**. This means that a €20 purchase in Spain would cost you €20.
** If you purchased our Sterling card after 25th November 2013 there is a charge every time you use the card to make a purchase in Sterling. This includes all purchases made in the UK but does not apply to purchases overseas when you choose to pay in the local currency.
A cash withdrawal fee of £1.50 for the Sterling card will be applied when making cash or ATM withdrawals (see terms and conditions for the cash withdrawal fee for other card currencies).
A cross border fee (3% of transaction amount (2.49% on Sterling cards) will also be applied if you use the card outside the country of the currency of the card. For example: a charge of 3% will be made if you used your US Dollar card in Jamaica.
To avoid unnecessary charges to your card you, wherever asked, you should always choose to pay for goods or withdraw cash in the currency of your card, for example, if you are using a Euro card in Spain you should always choose to pay in Euros if offered a choice. Choosing to pay in Sterling in this example would allow the merchant to exchange your transaction from Euro to Sterling, which we would then have to exchange back to Euros as your card is a Euro card. This would mean that your transaction has gone through two exchange rate conversions which will increase the total cost of your transaction.
Details of all our fees can be found in the terms & conditions.