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Happy Holidays

Using my debit or credit card abroad

Going on holiday or taking a business trip? Our debit and credit cards make purchasing things and taking out cash abroad as convenient as possible.

Free transactions in Europe*

Save on those travel costs with no card transaction fees in European countries.

Great rates beyond Europe

Going long haul? We offer outstanding value rates in the rest of the world.

Free or low-cost card fees on purchases

Free or low-cost card fees on purchases

You don’t have to pay any non-sterling transaction fees or non-sterling cash fees when you use your card to make purchases in Europe.

In other countries, there will be a non-sterling transaction fee of 2.50% although there are no non-sterling purchase fees. The table gives an example of how these fees for purchases work both inside and outside Europe.

What it costs to make purchases abroad 

 Inside EuropeOutside Europe
Original transaction value (equivalent in GBP) £100 £100
Non-sterling transaction fee Free 2.50%
Non-sterling purchase fee Free Free
Total that you will be charged £100 £102.50

 

Fees for withdrawing cash

Fees for withdrawing cash

There are no fees for taking money out in Europe. In other countries, there will be a non-sterling transaction fee of 2.50% as well as a non-sterling cash fee of £1.50. The table shows you an example of how much you’ll pay in fees if you withdraw cash both inside and outside Europe.

What it costs to withdraw cash abroad

 Inside EuropeOutside Europe
Original transaction value (equivalent in GBP) £100 £100
Non-sterling transaction fee Free 2.50%
Non-sterling purchase fee Free £1.50
Total that you will be charged £100 £104.00

 

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.
  • Just like when you’re at home, you need to be on guard against fraud abroad. If you’re worried about your account, give us a call on 0345 08 08 500 or +44 203 402 8312 if you're abroad.

Where you can use your card for free

You can use your Metro Bank Debit or Credit Card wherever you see the MasterCard logo. MasterCard® is a registered trademark of MasterCard International Incorporated.

ANY QUESTIONS?

If you have any questions about using your card abroad, give us a call on 0345 08 08 500

FAQs

  • What’s a non-sterling transaction fee?

    It’s a fee charged on transactions made in a foreign currency outside the UK and Europe.

  • What’s a non-sterling purchase fee?

    These fees are charged on cash transactions made in a foreign currency outside the UK and Europe. They apply when you make withdrawals from cash machines and over the counter, 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.

  • How can I find the MasterCard conversion rate?

    You can find the daily exchange rates using the MasterCard currency conversion tool.