Using credit & debit cards abroad

It's safe and easy to use your Tesco Bank cards overseas - and you can still collect Tesco Clubcard points while you're away. There are just a few things to be aware of before you go, like fees, charges and security.

Using your card abroad
Using your card abroad

  • There's no need to ring us to let us know you're going - your card will work automatically while you're abroad
  • Use your card as you normally would, and collect Clubcard points on your spend
  • Remember, choosing the option to pay in local currency when using your card abroad is likely to be cheaper than paying in your own currency.
  • If you need to log on to Online Banking from a new device, make sure your mobile phone will be with you and capable of receiving text messages, as we will send you a one-time access code (network charges may apply)
  • Check your account for any unfamiliar transactions, and give us a call immediately if you see anything suspicious
  • Take a note of the overseas customer service number from the back of your card or from our 'Contact us' page

Credit cards: 19.9%APR representative (variable)

What are the costs of using my credit card abroad?

You can use your credit card to make purchases, withdraw cash and other cash transactions in both the UK and overseas. Cash transactions include gambling and purchasing non-sterling currency outside of Tesco. For a full list of transactions that qualify as cash, see your credit card terms and conditions.

  • Making purchases: We'll charge you an additional 2.75% of the cost of your purchase on each transaction in a foreign currency.
  • Withdrawing cash: In addition to any foreign exchange fees, we will charge you 3.99% of the value of the transaction (minimum £3 fee applies to cash withdrawals).

There is no interest-free period on cash withdrawals.

Gambling transactions are subject to a 3.99% handling fee, but there is no minimum charge. This is on top of the 2.75% foreign exchange fee.

We don't add a mark-up to the exchange rates applied by VISA and Mastercard. All fees are calculated based on the exchange rate on the day the transaction is posted to your account, which may be later than the date the transaction took place.

What are the costs of using my debit card abroad?

  • Making purchases: We'll charge you an additional 2.75% of the cost of your purchase on each transaction in a foreign currency.
  • Withdrawing cash: We'll charge you a fee of 1% of the amount you withdraw, along with the 2.75% foreign exchange fee.

You can withdraw a maximum of £400 within a 24 hour period with your debit card.

We don't add a mark-up to the exchange rates applied by VISA. All fees are calculated based on the exchange rate on the day the transaction is posted to your account, which may be later than the date the transaction took place.

Compare the cost of using your debit card and credit card abroad

Making a purchase abroad

VISA exchange rate on 1 Feb 2019 was €1= £0.8768468587
Mastercard exchange rate on 1 Feb 2019 was €1= 0.879332

Making a purchase abroad table
Tesco Bank card typeAmount€200 at exchange rateNon-sterling transaction feeCost to you
Mastercard credit card€200£175.87£4.84£180.71
VISA credit card€200£175.37£4.82£180.19
VISA debit card€200£175.37£4.82£180.19

The exchange rate is used for illustrative purposes only.

Withdrawing money abroad

VISA exchange rate on 1 Feb 2019 was €1 = £0.8768468587
Mastercard exchange rate on 1 Feb 2019 was €1 = £0.879332

Withdrawing money abroad table
Tesco Bank card typeAmount€200 at exchange rateNon-sterling transaction feeATM withdrawal feeCost to you
Mastercard credit card€200£175.87£4.84£5.28£185.99
VISA credit card€200£175.37£4.82£5.26£185.45
VISA debit card€200£175.37£4.82£1.75£181.94

The exchange rate is used for illustrative purposes only.

Feel right at home when you're away

  • Your card will work in the same way abroad as it does at home - just remember your PIN
  • Use the Mobile App to keep track of your spending (network charges may apply)
  • Log in to Online Banking to manage your money (network charges may apply)How to log in
  • Switch off or manage your text alerts to save on roaming costsHow to manage alerts
  • Need to block your credit card? You can block and unblock your card on our Mobile App

See how else Tesco Bank can help you on your holiday

Important information

For impartial advice on using your card abroad, visit the Money Advice Service