Using your credit and debit cards outside the UK
You don't need to tell us when you are travelling abroad, we will monitor your account in the same way as if you were using your card in the UK.
Here is some information you may need before using your card abroad.
Contact us
This service may be temporarily unavailable during periods of routine maintenance.
-
Yorkshire Bank credit card Yorkshire Bank debit card B credit card If you use your Yorkshire Bank credit card in a currency other than sterling, we will convert this at a payment scheme exchange rate set by Mastercard®, usually on the day you use your card - please see the link below to the Mastercard website. If you make a debit card payment in a foreign currency, we will convert this at the Mastercard exchange rate, usually on the day you use your card. Please see the link below to the Mastercard website.
You may be able to convert the currency directly with the retailer or ATM provider. In this case, they will show the exchange rate and any fees to you on screen before you agree to go ahead with the transaction.If you use your B credit card in a currency other than sterling, we will convert this at a payment scheme exchange rate set by Mastercard®, usually on the day you use your card - please see the link below to the Mastercard website. The rate that you will see on your credit card statement will be the payment scheme exchange rate according to the type of card that you have. Foreign usage fees are not charged on purchases or cash advances carried out in the local currency. The rate that you will see on your Current, Savings or Business account statement will be the Mastercard exchange rate. Additional fees will be shown separately in the statement wording (see "Fees for card payments outside the UK") The rate that you will see on your credit card statement will be the payment scheme exchange rate according to the type of card that you have. Foreign usage fees will be shown on the statement separately from the purchase or cash advance transaction. You can find the latest and historical payment scheme exchange rates at Mastercard and Visa
For card transactions made within the EEA or in an EEA currency you can find out the reference exchange rate by calling us on 0800 678 3380.
You can find out how the exchange rate for EEA currencies compares with the latest foreign exchange reference rate issued by the European Central Bank here (opens in a new window).
-
Yorkshire Bank credit card Yorkshire Bank debit card B credit card The following charges apply for credit card transactions completed in any currency other than sterling:
Within the EEA
If the currency is Euro, Swedish Krona or Romanian Leu:
- Non Sterling Transaction Fee is not charged
- Non-Sterling Transaction Fee of 2.95%
All currencies:
- Non-Sterling Transaction Fee of 2.95%
You will pay these charges if you use your debit card to pay a supplier based outside the UK:
Within the EEA
If the currency is Sterling, Euro, Swedish Krona or Romanian Leu:
- Foreign Purchase Fee not charged
- Foreign Purchase Fee of 2.75%, min £1.50
All currencies:
- Foreign Purchase Fee of 2.75%, min £1.50
Foreign usage fees do not currently apply to the B credit card . You will pay these charges if you use your credit card to withdraw cash from an ATM abroad.
Within the EEA
If the currency is Euro, Swedish Krona or Romanian Leu:- Non-Sterling Transaction fee is not charged.
- A Cash Fee of 3% (minimum £3)
- Non-Sterling Transaction fee 2.95%
- Cash Fee of 3% (minimum £3)
All currencies:
- Non-Sterling Transaction fee 2.95%
- Cash Fee of 3% (minimum £3)
You will pay these charges if you use your debit card to withdraw cash from an ATM abroad.
Within the EEA
Currency is Sterling, Euro, Swedish Krona or Romanian Leu:
- Foreign Cash Fee not charged.
- Foreign Cash Fee of 3.75%, min £1.50
All currencies:
- Foreign Cash Fee of 3.75%, min £1.50
- If you pay in local currency and are charged a fee, your statement will show "FGN Purchase Fee"
- If you pay in Sterling and are charged a fee, your statement will show "FGN PurchFee inGBP".
- If you withdraw Sterling from an ATM outside the UK and are charged a fee, your statement will show "FGN Cash Fee"
- If you withdraw Sterling from an ATM outside the UK and are charged a fee, your statement will show "FGN CashFee inGBP".
We will charge the following:
Cash Fee 3%, minimum £3.00
For example, the Cash Fee is charged when withdrawing local currency from an ATM outside the UK.The Cash Fee is charged on cash advances which includes transfers to another account which are not balance transfers, or if you buy any foreign currency or travellers' cheques, or if you use your card for gambling. Foreign Cash Fee is charged on the value of withdrawals made from ATMs. A purchase with cashback outside the UK is not is not treated as cash and is charged a Foreign Purchase Fee. The Cash Fee is charged on cash advances which includes transfers to another account which are not balance transfers, or if you buy any foreign currency or travellers' cheques, or if you use your card for gambling. If you agree that a merchant (for example, a shop or retailer) or ATM can convert a credit card transaction into sterling, we will not charge a Non-Sterling Transaction fee but you should check what exchange rate will be used by the merchant. Where a foreign purchase transaction is refunded by a retailer, the purchase transaction amount will be credited back to the account based on the exchange rate on the day of refund. The Foreign Purchase Fee charged for the original transaction will not be refunded. For any foreign reversals received, the original Foreign Purchase Fee will be reversed. If a foreign transaction is reversed, your statement will show "FGN PurcFee REV" for a local currency transaction, and "FGN PurcFee GBPREV" for a reversed transaction in sterling. If you agree that a merchant (for example, a shop or retailer) or ATM can convert a credit card transaction into sterling, we will not charge a non-sterling transaction fee but you should check what exchange rate will be used by the merchant. There are no specific overseas spending limits for our credit cards.
As in the UK, you are limited to the equivalent of £500 per day in ATM cash withdrawals, but higher cash amounts may be available over a bank counter.Daily cash limits apply outside the UK as they do for our debit cards in the UK:
£350 (Debit Mastercard online contactless or Debit Mastercard non contactless) or
£500 (Retail/Private Debit Mastercard contactless).
Higher cash amounts may be available over a bank counter.
International purchase limits also apply to transactions with suppliers outside the UK -
£5,000 per day (Debit Mastercard online contactless or Debit Mastercard non contactless) or
£10,000 per day (Retail/Private Debit Mastercard contactless)There are no specific overseas spending limits for our credit cards.
As in the UK, you are limited to the equivalent of £500 per day in ATM cash withdrawals, but higher cash amounts may be available over a bank counter.Interest-free periods apply to credit card purchases outside the UK in the same way as in the UK. In the case of cash advances, interest is charged from the date the transaction was added to your account, even if you pay us in full by the payment date. Interest-free periods apply to credit card purchases outside the UK in the same way as in the UK. In the case of cash advances, interest is charged from the date the transaction was added to your account, even if you pay us in full by the payment date. Illustrative Examples
Yorkshire Bank Credit Card:
This example is based on a $100 cash withdrawal in the USA using a Mastercard exchange rate of $1.00 = £0.811359
$100 equivalent is £81.14 and will be shown on your statement with the Mastercard exchange rate. On separate lines your statement will show related fees -
The 2.95% Non Sterling Transaction fee is £2.39
The 3.00% (minimum £3) Cash Fee is £3.00
Total cost £86.53Yorkshire Bank Credit Card:
This example is based on a €100 cash withdrawal in Spain and using a Mastercard exchange rate of €1.00 = £0.9022
€100 equivalent is £90.22 and will be shown on your statement with the Mastercard exchange rate. On separate lines your statement will show related fees -
The 3.00% (minimum £3) Cash Fee is £3.00.
Total cost £93.22Yorkshire Bank Debit Card:
This example is based on a $100 cash withdrawal in the USA using a Mastercard exchange rate of $1.00 = £0.811359
$100 equivalent is £81.14 and will be shown on your statement with the Mastercard exchange rate. On separate lines your statement will show related fees -
The 3.75% Foreign Cash Fee is FGN Cash Fee £3.04
Total sterling equivalent cost will be shown on your statement as £84.18Yorkshire Bank Debit Card:
This example is based on a €100 purchase in Spain and using a Mastercard exchange rate of €1.00 = £0.9022
€100 equivalent is £90.22 and will be shown on your statement with the Mastercard exchange rate.
No Foreign Purchase Fee is applied
Total cost £90.22 -
These examples compare the cost of making certain transactions. The debit card and credit card rates used are the payment scheme exchange rate set by Mastercard which applied on 1st June 2020. On this date Mastercard quoted £1.00 = €1.121453, or €1.00 = £0.9022 & £1.00 = $1.248699, or $1.00 = £0.811359.
Gold Mastercard credit card B credit card Debit card Euro travellers' cheques and foreign currency €100 purchase
In the EEA£90.22 total
£90.22 total
£90.22 total
€100
The cost in sterling depends on the rate which applied on the day when foreign currency or travellers' cheques were purchased.€100 cash withdrawal
In the EEA£93.22 total
including our Cash Fee.£93.22 total
including our Cash Fee£90.22 total
Encashing traveller’s cheques may incur an additional fee, charged by the local bureau.
Sterling travellers' cheques or notes will be encashed at a rate set by the local bureau.$100 (USD) purchase £83.53 in total
including our Non-Sterling Transaction fee.£81.14 in total
£83.37 in total
including our Foreign Purchase Fee.
$100
The cost in sterling depends on the rate which applied on the day when foreign currency or travellers' cheques were purchased.$100 (USD) cash withdrawal £86.53 in total
including our Non-Sterling Transaction fee and Cash Fee.£84.14 in total
including our Cash Fee£84.18 in total
including our Foreign Cash Fee.Encashing traveller’s cheques may incur an additional fee, charged by the local bureau.
Sterling travellers' cheques or notes will be encashed at a rate set by the local bureau.Other comments Transactions are added to your statement to be repaid in the same way as other credit card transactions.
Cash advances abroad (and in UK) will be charged interest from the date they are debited to your account.Transactions are taken from your current or savings account Purchased in advance before travelling. Unlike foreign currency cash, travellers' cheques can be replaced if lost. -
Yorkshire Bank offers the following travel facilities:
- Use your existing debit card and credit card abroad
- Annual family travel insurance
- Travel insurance plus more for £14.50 per month with Club M Account. Applicants must be aged 18 years or over.
- Travel money – foreign currency and travellers' cheques
You can find impartial information and guidance on money matters on the “Money advice service” website.
Yorkshire Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.