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Our hub has been designed especially for you, with a wide variety of hints and tips to help you keep your home and contents safe.
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.
This service may be temporarily unavailable during periods of routine maintenance.
Yorkshire Bank credit card | Yorkshire Bank debit card | B credit card |
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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 |
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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:
All currencies:
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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:
All currencies:
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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:
All currencies:
|
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:
All currencies:
|
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 ExamplesYorkshire Bank Credit Card: Yorkshire Bank Credit Card: Yorkshire Bank Debit Card: Yorkshire Bank Debit Card: |
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 | |
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€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. |
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:
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Your digital services have had a Virgin Money makeover. Make the move today by using the new Virgin Money internet banking service.
There are no changes to your account information or login details, the only difference is that you can now sign in to the new Virgin Money internet banking service as well. For now you can still log on through Yorkshire Bank if you’d prefer.
Here's to a life more Virgin.
Continue to Virgin Money Internet Banking
Continue to Yorkshire Bank Internet Banking as normalWe’ve been working hard to bring Yorkshire Bank and Virgin Money together to create a bigger, bolder and brighter bank. You’ll soon begin to see the Virgin Money logo on things like your statements, letters and your Business Internet Banking service.
There’s nothing you need to do – we’ll take care of it all. Your account and login details will remain the same and you’ll still be able to login using the link on the Yorkshire Bank website.
We’ll be back in touch when the new service is ready to use. If you need to contact us, you can still get in touch using the normal contact information.
The team at Virgin Money
Continue to Internet BankingYou 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.