Banking when you're abroad

No matter where in the world you are, NatWest are here to make sure that you're always in control of your finances.

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Let us know that you'll be using your card abroad

Holidays are about being free to do what you want. Let us know at least 24 hours in advance so that we can reduce the likelihood of your debit or credit card being blocked and you should be able to spend freely without worrying.

Using your debit card abroad

Using your credit card abroad

Our handy guide to using your card abroad

On holiday, it's good to know all the costs of using your debit and credit cards before you touch down.
Our handy guide tells you everything you need to know about using your cards abroad. Print it, pocket it, relax.

Paying in Sterling abroad

When you use your card abroad, you can sometimes pay in sterling rather than local currency.  Paying this way is often more expensive than paying in the local currency as there could be a local charge. If you do pay in sterling, then the Non Sterling Transaction Fee on both NatWest debit and credit cards will not apply.  Please note that if you withdraw cash abroad or in the UK using your credit card, regardless of currency, then a 3% (min £3) cash fee will always apply.  

If you're withdrawing money from cash machines using your NatWest debit or credit card, make sure you know your daily withdrawal limit.  But remember, you'll need to know what your limit is when converted to the country's currency.

Our fees & charges

Transaction type Charges
Sterling cash withdrawals from any UK cash machine (ATM) No charge
Sterling cash withdrawals from any NatWest branch in the UK, the Channel Islands, Isle of Man or Gibraltar
Sterling cash withdrawals in the UK in any bank, travel agent, bureau de change or other outlet displaying the Visa logo
Purchase of foreign currency or travellers cheques in the UK**
Foreign currency withdrawal from any UK cash machine (ATM) We will charge a Foreign Cash Fee of 2% of the value of the transaction (minimum £2, maximum £5). We will also charge a Non-Sterling Transaction Fee of 2.75% of the value of the transaction.
Cash withdrawals or the purchases of currency or travellers cheques outside the UK 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.
Purchases made outside the UK (for example, purchasing goods in a shop) We will charge a Foreign Purchase Fee of 2.75% of the value of the transaction (minimum £1)
Purchases made anywhere in a foreign currency (for example, online/telephone purchases made in or outside the UK 

Where a charge in the table above is stated as a percentage, this is a percentage of the sterling transaction amount.

* We will not charge you for using your card at a cash machine (ATM) in the UK but other companies may charge a fee. You will be advised on screen about any charges before you withdraw.
**Standard commission rates apply.

Visa Payment Scheme Exchange Rate
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.

Tips for going on holiday

Here are some tips we've found for planning a great holiday.  What are yours?

Share your tips on our community forum

Useful links

There’s a lot to think about when you’re planning a holiday. Here are some useful links to help you to do your research.

Check the cheapest fuel prices in your area
PetrolPrices.com

Order your free European Health Insurance Card
NHS

Check the weather of your holiday destinationMet Office

 

These links are to non-NatWest websites. NatWest is not liable for the accuracy of the information provided on these websites.

Before you go

Remember to tell us you'll be abroad

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