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Existing customer benefits

Enjoy fee-free spending abroad

Use your debit card for purchases anywhere in the world without the worry of incurring extra charges.

Applicable to Reward Silver, Reward Platinum, Premier Reward Black, Premier Select or Black account customers.

Spending abroad? We've got you covered

A non-sterling transaction fee is usually applied to any payment made in a foreign currency. When you use your card abroad, we need to convert the transaction from the local currency into sterling.

Our non-sterling transaction fee for debit cards is 2.75% of the value of the transaction. 

If you have a Reward Silver, Reward Platinum, Premier Select, Premier Reward Black or Black Account, you won't pay any non-sterling transaction fees when paying with your debit card anywhere in the world.

Information Message
Not valid for ATM withdrawals. Other local fees and exchange rates may apply.

Will I be charged for using my debit card abroad?

You can take your debit card abroad, but some account types have non-sterling transaction fees. Select your account type to find out more.

Our accounts with this benefit

Want to enjoy no non-sterling transaction fees, as well as many other benefits? Upgrade your existing NatWest current account below. Specific account eligibility criteria apply.

Reward Silver

£10 monthly fee
  • European travel insurance.
  • Mobile phone insurance.
  • Plus, all the benefits of the Reward account.

Reward Platinum

£22 monthly fee
  • Worldwide travel insurance.
  • UK car breakdown cover.
  • Plus, all the benefits of the Reward Silver account too.

Premier Reward Black

£36 monthly fee
  • 24/7 concierge service.
  • Home emergency cover
  • Access to 1,100 global airport lounges.
  • UK & European car breakdown cover
  • Worldwide travel insurance


If you earn more than £100,000 per year, you could be eligible. 

Black account

£35 monthly fee

This account is no longer on sale for new customers. If you are an existing Black account customer you can access your account benefits below.

Premier Select

No monthly fee

Premier customers have access to more products, services and support. Combined with your Premier Select account benefits, this could help your money work harder.

If you earn more than £100,000 per year, you could be eligible.

Other ways we can help you on your travels

Currency calculator

Try our card currency calculator to help you understand the best rates, and how you will be charged abroad.

Travel insurance

Learn more about our travel Insurance offerings and the accounts that come with this benefit at no additional charge.

Travel money

Order your travel money ahead of your trip and have it delivered directly to your door, or ready for collection at a wide range of locations. 

FAQs for spending abroad

Get to know the charges and fees you encounter abroad, and how best to avoid them - so that you (and your wallet) can really relax on holiday. 

Something else we can help you with?