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Santander Corporate Debit Card

Using your card abroad - fee calculator

When you use your Santander Corporate Debit Card to make a purchase from an overseas merchant, or to make a withdrawal at an overseas cash machine, you may be offered the options of paying in local currency, or in Pounds Sterling.

This calculator will help you understand how much your transaction could cost you in Pounds Sterling if you choose the “pay in local currency” option.

Please also read the important additional information on this page about exchange rates and how the calculator works.

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Your data

Your Result

Your card exchange rate

Amount converted to pounds sterling

Amount converted to pounds sterling including currency conversion fee

The above rates apply to transactions processed on the day you selected. We'll convert the amount into pounds sterling using the Visa or Mastercard exchange rate as at the date we receive the payment instruction to debit your account (which may not be on the same day that you authorised the payment).

Information for EEA currencies only

Based on the information you’ve entered, the cost* for making the transaction abroad and selecting to pay in the local currency is

You can also compare the amount that you would be charged in pounds sterling for paying in local currency to any figure provided by the retailer/cash machine for the alternative of paying in pounds sterling. The retailer/cash machine will provide a similar cost calculation when you choose to pay in pounds sterling so that you can compare the two. The lower percentage will represent the lower cost."

*The cost is calculated as the difference between the transaction using the Visa/Mastercard exchange rate and the same transaction using the Standard European Central Bank (ECB) exchange rate, plus any foreign currency conversion fee Santander charges, as a percentage of the total transaction amount.

Information for EEA currencies only

 This information is not available for the date selected.

General information about using your Santander Corporate debit card outside the UK


You may be offered two options when using your card outside the UK to make a purchase or to withdraw funds from a cash machine:

1. Pay in local currency – Santander converts to Pounds Sterling using the Visa daily exchange rates (depending on your card type) and may charge you a foreign currency conversion fee depending on the account you have.

2. Pay in Pounds Sterling – the retailer/foreign bank will handle the conversion and may charge you a fee.

 When you use your card abroad and the retailer/cash machine provides you with the equivalent figure  for paying in Pounds Sterling, you can compare it with the figures from this calculator to help you decide which option to take.

NOTE: You should be aware that if you are using your card abroad there may be other fees to consider that are not accounted for in the calculator, for example those charged by an ATM for service.

Important information

This calculator is for illustrative purposes only based on the information provided.

Please refer to the Fees and Charges Factsheets for specific details about your product

The exchange rate used for processing a transaction may differ from the rate that applied on the actual date of the transaction because exchange rates vary on a daily basis and transactions are not always processed on the day they occur. The exchange rate used when the transaction is processed and the amount of the transaction in sterling after the application of the exchange rate will be detailed on your statement.