Debit Card

Charges and Transaction Limits

Exchange Rate Transaction Fees (ERTF)

If you use your card to make a card transaction in a foreign currency, the amount will be converted into sterling using the exchange rate set by Visa applicable on the day it is processed by Visa for settlement (this may differ from the actual date of the transaction). An additional 2.5% ERTF will then be calculated on, and added to, this sterling amount. To check the exchange rate used by Visa to convert a foreign currency transaction, please visit https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html.

There will be no ERTF if the card is used to make card transactions in sterling.

Transaction Fees

Depending on the transaction type, transaction fees as detailed in the table below will also be payable. 

The details of all card transactions will be shown in your bank statement, including the type of card transaction, bank or retailer name, location, date of transaction, transaction amount and transaction fees, where applicable. For non-sterling transactions, the original transaction currency and amount, exchange rate and converted amount in sterling will also be shown separately.

* Please note that some providers of ATMs may apply a charge for the use of their service. Any such charge will be in addition to the charges we apply.

Cash Withdrawal Limits

The ATM withdrawal limits are set as follows:

Please be aware that some ATMs may charge a transaction fee, and such will usually be advised on-screen at the time of withdrawal.

Spending Limit

A daily spending limit applies when you use your card at home or aboard for purchases. Please contact our Debit Card Customer Services for more information.

How to Contact Us
General Card Enquiries		Lost or Stolen Cards
Call +44(0)20 7208 3818		Call +44(0)20 7208 3809
Lines are open 9am to 5pm Monday to Friday, except Bank Holidays		Lines are open 24 hours a day, 7 days a week