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Help and support

Using your debit card

Debit card features

You can use a Visa Debit Card to:

  • pay for goods and services online or over the phone
  • pay for anything in store using your pin code. It's safe and secure. Just carry your card, there's no need to carry cash
  • make contactless payments, without a pin code, quickly and securely for items up to £45

Making contactless payments

Pay for those small, everyday items up to £45 just by tapping your card on the terminal in shops, restaurants, cinemas and almost everywhere else.

  • It's fast - touch your contactless card against the card reader to pay for purchases in seconds.
  • It's easy - there's no need to use cash, simply tap your card on the card reader.
  • It's safe and secure - contactless payments are safe and secure and have the same protection as CHIP & PIN payments.

Using your debit card abroad

It's important to be aware of any fees associated with making purchases or withdrawing money from an ATM. Check out our tips for using your debit card abroad.

  1. 01

    For debit card payments or cash withdrawal in a foreign currency, there will be a Non-Sterling Transaction Fee of 2.75%.

  2. 02

    Paying in Sterling rather than the 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 travel plans before travelling

    Remember to let us know your travel plans when you're travelling abroad. Telling us in advance will reduce the likelihood of your transactions being blocked.

How do I register my travel plans?

Will I be charged for using my debit card abroad?

For debit card payments or cash withdrawal in a foreign currency, there will be a Non-Sterling Transaction Fee of 2.75%.

If you elect for the transaction to be converted into Sterling at the point of sale or withdrawal, we will not charge a Non-Sterling Transaction Fee, however the transaction handler may charge you a separate fee.

Check our debit card currency calculator to get an estimate of how much a purchase or cash withdrawal might cost when you are abroad.

Something else we can help you with today?