Going travelling

If you're planning a trip away, we've put together a quick checklist to make sure you have a stress-free experience when it comes to managing your money.

What are the charges?

When you use your card abroad you're charged a transaction fee, plus either a purchase fee or cash fee, depending on if you're making a purchase or withdrawing money.

Card type* 

Transaction fee
(Making purchases)

Purchase fee
(Making purchases)

Transaction fee
(Making withdrawals**)

Cash fee
(Making withdrawals**)​​​​​​​

Debit card

2.75%

£1.25

2.75%

1.5% (min. £1.99) 

All in One Credit Card

0%

None

0%

3% (min. £3.00) 

World Elite Credit Card

0%

None

0%

3% (min. £3.00) 

Zero Credit Card

0%

None

0%

0%

1|2|3 Credit Card (no longer available)

0%

None

0%

3% (min. £3.00) 

All other Santander credit cards

2.95%

None

2.95%

3% (min. £3.00) 

Santander cash card

n/a

n/a

2.75%

1.5% (min. £1.99)

*For all other cards not shown here, please refer to your Key Facts Documents (KFD).

**If you have an adult current account and pay in at least £500 each month, there are no fees when you withdraw cash from a Santander cash machine in Spain. You can safely use your debit card or credit card to make a purchase or withdraw money from a cash machine while abroad. If you have a cash card, you can only withdraw from cash machines.

For withdrawals on credit cards, please note that there is no interest free period on cash withdrawals and interest is charged from the date of withdrawal on the credit card.

  • To use your debit card look for the Visa sign.
  • To use your credit card look for the Visa or Mastercard sign.
  • To use your cash card at a cash machine look for the Cirrus sign.

For most accounts there's a daily cash machine withdrawal limit of £300, or £1000 if you have a Select Current Account.

Let us know if you're travelling

We will continue to monitor your account for fraud and unusual transactions whilst you’re abroad and we’ll contact you if we detect unusual activity. If you keep your mobile phone with you, you’ll be able to confirm genuine transactions as soon as we contact you.

Make sure you know your PIN. If you’ve forgotten your PIN, you can request a new one through Online Banking or call us on 0800 9 123 123.

If you are travelling outside the EU, let us know so we can place a note on your account to say you are travelling. Let us know your arrangements through Online Banking, or call us on 0800 9 123 123 or tell your nearest Santander branch. Our phone lines are open from 7am to 9pm on Monday to Saturday, and 8am to 9pm on Sunday.

Remember to pay using local currency

When you use your card abroad, retailers will often give you the choice of paying in either the local currency or sterling. Always choose to pay using the local currency unless you're sure the exchange rate is more favourable. We will convert the foreign currency using the exchange rate set by Mastercard. Mastercard exchange rates available at: www.mastercard.com/global/currencyconversion/index.html

If you choose sterling, the retailer will handle the conversion and may charge you a fee.
 

Order your travel money online and we'll deliver to your door the next working day – commission free

We offer over 70 currencies and American Express® travellers cheques in US, Canadian or Australian Dollars as well as Sterling and Japanese Yen.

If you order over £500 of any currency before 3pm, we'll deliver your money the next working day to your home. You can also choose a Saturday delivery for £1.50 (Sunday deliveries aren't available).

Using the online order form below you'll see our conversion rates and, if you're happy, you can order immediately with your Santander debit, credit or electron card – commission free.

Order your travel money online

Enjoy your time away knowing you and your family are covered


 Moneyfacts 5 star single travel insurance 2018Whether you're planning a journey for yourself or with your family, we can provide comprehensive travel insurance to give peace of mind in the event of a health or medical emergency, lost baggage or travel delays.

If you're an existing Santander customer you'll get a 20% online discount, and 1|2|3 World and Select customers receive a 30% online discount.

Santander Travel Insurance is provided by Chubb European Group SE and has been awarded a five-star rating by Moneyfacts.

Using Mobile Banking on your phone or device is an easy way to track what you're spending during your trip. Check the latest transactions and balances, transfer money and even report a lost or stolen card.

We recommend connecting to local Wi-Fi hotspots when using Mobile Banking abroad to avoid roaming data charges. Using the app through your mobile's 3G or 4G signal may incur charges, so please check with your mobile provider if your device is set up to use (has 'roaming') in the country you're visiting and what your charges may be.

Learn about Mobile Banking with us

Our free text and email alerts let you stay up-to-date with what's happening in your accounts while you're away.

Learn more and how to set up your alerts

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