Help with Debit Cards
Planning on using your debit card abroad?
Our Visa Debit and Service cards are accepted at 30 million retail outlets and 1 million ATMs worldwide, just look out for the VISA symbol before using your card as normal.
Register your travel details with us at least 24 hours before your trip, and we’ll do our best to ensure your holiday spending isn’t affected at all. You can register your card in the 'Manage my card' option in the Mobile Banking app. Find out more about Mobile Banking.
For details of where you can withdraw cash abroad, please access the Visa ATM locator
Remember to take this number with you in case you have any issues:
0044 131 339 7609
Debit Card Fees and Charges - Euro Transactions
This table outlines debit card charges for transactions made in Euro currency.
Please note that Transaction Fees listed below only apply to the Current Account, Standard Account, Dual Account, Current Plus Account and Facility Account.
The Adapt Account (available to customers aged 11 to 18 only) is exempt from Transaction Fees, Commission Charges, Exchange Rate Transaction Fees when making a purchase or cash withdrawal in Euro anywhere in the world.
Using a debit card for purchases in Euro
| Within SEPA* | Transaction Fee** | Commission Charge | ERTF**** |
| Visa debit (Point of Sale)*** | €0.20 | No charge | No charge |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) | €0.01 | No charge | No charge |
| Outside SEPA* | Transaction Fee** |
Commission Charge | ERTF**** |
| Visa debit (Point of Sale)*** | No charge | 1% of transaction amount (min €0.25, max €6) |
No charge |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) | No charge | 1% of transaction amount (min €0.25, max €6) |
No charge |
Using a debit card for cash withdrawals in Euro
| Within SEPA* | Transaction Fee** | Commission Charge | ERTF**** |
| Visa debit (ATM) | €0.35 | No charge | No charge |
| Outside SEPA* | Transaction Fee** |
Commission Charge | ERTF**** |
| Visa debit (ATM) | No charge | 2% of transaction amount (min €3, max €12) |
No charge |
*The Single Euro Payments Area (SEPA) covers the whole of the European Union (EU). It also applies to payments in Euros in other European countries: Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino & Vatican City State.
**Other companies or ATM providers may charge an additional fee. You will be advised on screen about any charges before you withdraw cash.
***Purchases made in Euro if completed online, by phone or mail order irrespective of whether the retailer is based inside or outside SEPA will be charged the €0.20 Transaction Fee.
****Exchange Rate Transaction Fee (ERTF) is a fee we charge when you undertake a transaction in a foreign currency which is converted by us into Euro using the Visa Payment Scheme Exchange Rate. To view up-to-date rates please visit visaeurope.com and search “Exchange Rate Calculator” or download the Visa Travel Tools app from the App Store or Google Play Store.
Debit Card Fees and Charges – Foreign Currency (Non-Euro) Transactions
This table outlines debit card charges for transactions made in a foreign currency (Non-Euro) on all current account types except for the Adapt Account.
The Adapt Account (available to customers aged 11 to 18 only) is exempt from Transaction Fees, Commission Charges, Exchange Rate Transaction Fees when making a purchase or cash withdrawal in foreign currency (Non-Euro) anywhere in the world.
Using a debit card for purchases in foreign currency (Non-Euro)
| Within SEPA* | Transaction Fee | Commission Charge | ERTF*** |
| Visa debit (Point of Sale) | No charge | 1% of transaction amount (min €0.25, max €6) |
1% of transaction amount (min €0.25, max €6) |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) | No charge | 1% of transaction amount (min €0.25, max €6) |
1% of transaction amount (min €0.25, max €6) |
| Outside SEPA* | Transaction Fee |
Commission Charge | ERTF*** |
| Visa debit (Point of Sale) | No charge | 1% of transaction amount (min €0.25, max €6) |
1% of transaction amount (min €0.25, max €6) |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) | No charge | 1% of transaction amount (min €0.25, max €6) |
1% of transaction amount (min €0.25, max €6) |
Using a debit card for cash withdrawals in foreign currency (non-Euro)
| Within SEPA* | Transaction Fee | Commission Charge | ERTF*** |
| Visa debit (ATM) | No charge | 2% of transaction amount (min €3, max €12) |
1.5% of transaction amount |
| Outside SEPA* | Transaction Fee**** |
Commission Charge | ERTF*** |
| Visa debit (ATM) | No charge | 2% of transaction amount (min €3, max €12) |
1.5% of transaction amount |
*The Single Euro Payments Area (SEPA) covers the whole of the European Union (EU). It also applies to payments in Euros in other European countries: Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino and Vatican City State.
**Other companies or ATM providers may charge an additional fee. You will be advised on screen about any charges before you withdraw cash.
***Exchange Rate Transaction Fee (ERTF) is a fee we charge when you undertake a transaction in a foreign currency which is converted by us into Euro using the Visa Payment Scheme Exchange Rate. To view up-to-date rates please visit visaeurope.com and search “Exchange Rate Calculator” or download the Visa Travel Tools app from the App Store or Google Play Store.
****Sterling cash withdrawals made from Ulster Bank (Northern Ireland), RBS (Scotland) and NatWest (England & Wales) ATMs are exempt from Transaction Fees, Commission Charges, Exchange Rate Transaction Fees except for the Current, Current Plus, Dual, Facility and Standard Accounts which are charged the €0.35 transaction charge per withdrawal from those ATMs.
Foreign exchange rates
Daily debit card foreign exchange rates are set by Visa. The link below will transfer you to the Visa website to calculate indicative foreign exchange rates. Please note that currencies fluctuate everyday.