Travel guide

Spending abroad

Can I use my debit card abroad?

Yes, you can. However, it's important to be aware of any fees associated with making purchases or withdrawing money from an ATM. Check out our tips below for using your debit card abroad.

  1. 01

    Debit card providers will charge a Non-Sterling Transaction Fee of 2.75%.

  2. 02

    Paying in sterling rather than local currency is often more expensive as there could be a local charge.

  3. 03

    You can use your contactless card abroad like you can in the UK. Just look for the contactless symbol. Limits can vary when you’re abroad.

    Don't forget to register your card for travel

    You can register your card in the app. Just give us 24 hours notice and you’re good to go.

Register your card before you go

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In the mobile app

Enter the details of your trip in the 'Manage my card' section of the mobile app.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. 

Will I be charged for using my debit card abroad?

Depending on your account type, you may be charged Non-Sterling Transaction Fees for using your debit card abroad. Select your account to find out more.
A Non-Sterling Transaction Fee of 2.75% applies to all ATM withdrawals regardless of your account type.

Important fee information

Card currency calculator

Try our card currency calculator and you could get a clearer picture of your conversion rates and charges while using your debit, credit or savings card abroad.

Reward yourself with fee free debit card purchases abroad

Going somewhere nice this year? Don't forget to pack your Reward Packaged Account Debit Card and take advantage of fee free purchases abroad.

Fee free foreign purchases

No Non-Sterling Transaction Fees on debit card purchases for Black, Reward Black, Reward Silver and Reward Platinum account holders

Benefit from loads of travel perks, including no Non-Sterling Transaction Fees on all Debit Card purchases abroad. That means you can make purchases anywhere in the world without worrying about extra charges. If you're a Black or Reward Black customer, check out the Premier current accounts page for more information.

Available to customers with Debit Card linked to Reward Silver, Reward Platinum, Black or Reward Black accounts from NatWest only. Not valid for ATM withdrawals. Other local fees may apply. Accounts available to UK residents over 18. Monthly fees apply. Premier Banking is subject to income, savings or borrowing eligibility criteria. Black and Reward Black available to Premier customers.

Download the app

Downloading the NatWest app couldn't be easier, follow these three simple steps below.
  1. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android
  2. Search for 'NatWest Mobile Banking'
  3. Tap to download the app 

Get the app

Experience the quickest way to manage your money.

Get the app

Experience the quickest way to manage your money.

Say ‘adios’ to foreign transaction fees

With The NatWest Credit Card, you won’t pay foreign transaction fees when you make purchases abroad. It’s the ideal travel companion.

Representative 9.9% APR (variable) 

More about this card

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Using cash abroad

Cash is accepted everywhere, from food and drink to taxi fares. Sometimes it’s good to have cash on you, especially if you’re travelling off the beaten track.

Getting money from a cashpoint abroad can come at a cost. You’ll most likely be charged a Non-Sterling Transaction Fee.

Tourists can stand out to thieves, so always be alert. Try not to take more cash with you than you’ll need, and use your hotel safe whenever you can.

Keep your cash safe when you’re out and about. You can split it across different places like your wallet, a secure bag and a money belt.

Frequently asked questions

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