Using my debit card abroad
Happy Holidays
Going on holiday or taking a business trip? Our debit cards make purchasing things and taking out cash abroad as convenient as possible.
Going outside the UK with your debit card?
You can use your debit card everywhere you see the Mastercard logo to pay for goods or withdraw cash.
No extra work for you
You don’t need to inform us when you’re going away.
Fees on purchases
Fees on purchases
There will be a non-sterling transaction fee of 2.99% on the converted British Pound value of the transaction. This charge is applicable for each transaction you make. The table below gives an example of how these fees work.
What it costs to make purchases abroad |
Outside UK |
|---|---|
| Original transaction value (equivalent in GBP) | £100 |
| Non-sterling transaction fee | 2.99% |
| Non-sterling purchase fee | Free |
| Total that you will be charged | £102.99 |
Get all the details to read at your leisure
Download our PDF to read when you like - it contains all the ins and outs of using your debit card abroad.
Fees for withdrawing cash
Fees for withdrawing cash
There will be a non-sterling transaction fee of 2.99% on the converted British Pound value of the transaction, as well as a £1.50 non sterling purchase fee. This charge is applicable for each withdrawal you make. The table shows you an example of how much you’ll pay in fees if you withdraw cash in a foreign currency outside the UK.
What it costs to withdraw cash abroad |
Outside UK |
|---|---|
| Original transaction value (equivalent in GBP) | £100 |
| Non-sterling transaction fee | 2.99% |
| Non-sterling purchase fee | £1.50 |
| Total that you will be charged | £104.49 |
Things to think about
Things to think about
- Some cash machines may charge you for using them. If they do, there should always be a warning on screen and a chance to cancel the transaction.
- Some retailers and cash machines abroad let you convert payments into sterling on the spot. But the exchange rates they use might not be as competitive as the ones we offer through MasterCard.
- Foreign transactions can sometimes take a few days to be reported to us. So the transaction date on your statement will be the day we were made aware of it.
Where you can use your debit card abroad
You can use your debit card everywhere you see the Mastercard logo to pay for goods or withdraw cash.
FAQs
What’s a non-sterling transaction fee?
It’s a fee charged on transactions made in a foreign currency outside the UK.
What’s a non-sterling purchase fee?
These fees are charged on cash transactions made in a foreign currency outside the UK. They apply when you make cash withdrawals from cash machines and over the counter in a foreign currency outside the UK, make electronic transfers of funds, like money orders and wire transfers or buy foreign currency in exchange bureaus.
What if I lose my card or it gets stolen when I’m abroad?
You can use your Metro Bank Mobile App to block your card permanently or temporarily – just tap ‘My Services’ then ‘Cards’.
Alternatively, if you are abroad you can call us on 0044 203 402 8312.
Where can I find the Mastercard exchange rates?
Use exchange rate calculator to see the most up-to-date exchange rates.
What are ATM currency conversion rates for non-UK bank card holders?
ATM currency conversion rates apply for non-UK bank card holders withdrawing cash in GBP from one of our cash machines – you can choose to use either the Metro Bank currency conversion rate or the one set by your bank. To find out more about ATM currency conversion rates, click here.
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