Credit cards

Understanding using credit cards abroad

How does travelling with a credit card work?

While most credit cards can be used abroad, you could pay foreign transaction fees on each transaction. This charge is for the service of converting sterling into local currencies and is added on top of the exchange rate.

Some credit cards are designed for you to take abroad. These cards often have 0% foreign transaction fees.

Why get a credit card to use abroad?

Credit cards can help you to manage your spending abroad. The benefit of most credit cards that have been designed for travel is that they don’t charge foreign transaction fees. This means that they could help you to save money on each foreign transaction.

Read about how we can support you before, during and after your trip below. 

Before you travel

Whilst you're away

  • Some credit cards offer 0% foreign transaction fees on purchases, helping you to save money when spending abroad.
  • Have peace of mind knowing that the exchange rates you get are passed on from Mastercard® or Visa with no added fees.
  • Switch on spending notifications to help you keep on top of your spending.


When you're back

If your holiday company goes into administration or your holiday isn't as described, and you can't reach an agreement with the retailer, you can raise a dispute to try and get your money back.

Our credit card range

We support all our customers with managing their spending abroad. Which credit card is best for you will depend on how you plan to use it.

Eligibility applies. Over 18s only. 

See what other people are asking

Something else we can help you with?