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.

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.
 

This depends on which card you hold with us and which type of transaction you make. The two kinds of transactions are:

Making a purchase abroad or online in a currency other than pounds to buy goods or services.

Withdrawing money (foreign currency) and buying traveller's cheques - withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Mastercard/Visa sign) in a currency other than pounds. 

What are the charges?
When you use your card abroad you may be charged a transaction fee, a purchase fee or a cash fee, depending on if you're making a purchase or withdrawing money, except for customers with the Zero debit card (which is not available to new customers).

The table below shows the charges on our cards when used abroad

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)

Santander cash card

n/a

n/a

2.75%

1.5% (min. £1.99)

Mastercard - Illustrative Cost Examples based on a €100 (Euro) transaction
 

Transaction

Transaction
value ^

Foreign currency conversion fee

Foreign currency purchase fee

Foreign currency cash withdrawal fee

Total cost

Debit card purchase

€100

2.75%

£1.25

n/a

£92.42

£88.73

£2.44

£1.25

£0

Debit card and cash card cash withdrawal

€100

2.75%

n/a

1.5% (min £1.99)

£93.16

£88.73

£2.44

£0

£1.99

Debit card cash withdrawal at Santander cash machine in Spain

€100

n/a

n/a

n/a

£88.73

£88.73

£0

£0

£0

Visa - Illustrative Cost Examples based on a €100 (Euro) transaction
 

Transaction

Transaction value^^

Foreign currency conversion fee

Foreign currency purchase fee

Foreign currency cash withdrawal fee

Total cost

Debit card purchase

€100

2.75%

£1.25

n/a

£92.45

£88.76

£2.44

£1.25

£0

Debit card and cash card cash withdrawal

€100

2.75%

n/a

1.5%
(min £1.99)

£93.19

£88.76

£2.44

£0

£1.99

Debit card cash withdrawal at Santander cash machine in Spain

€100

n/a

n/a

n/a

£88.76

£88.76

£0

£0

£0

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

^ Mastercard exchange rate of €1 = £0.887292 as at 1 June 2019
^^ Visa exchange rate of €1 = £0.887578 as at 1 June 2019

The exchange rates reflect the rate applicable when the payment scheme (Visa or Mastercard) processed the transaction and not the date on which the transaction took place.

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 pounds. Always choose to pay using the local currency unless you're sure the exchange rate is more favourable. If you choose pounds, the retailer will handle the conversion and may charge you a fee.

We will convert the foreign currency using the exchange rate set by Visa or Mastercard (subject to card type) on the date the transaction is charged to your account, together with any applicable foreign usage fees as set out in the table above.

The exchange rate used may differ from the rate that applied on the actual date of the transaction as exchange rates vary on a daily basis. 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.

Mastercard exchange rates available at: www.mastercard.com/global/currencyconversion/index.html
Visa exchange rates available at: www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html

  • All main adult bank current accounts can benefit from free cash machine withdrawals in Spain at a Santander branded cash machine
  • The Select Current Account gives fee-free withdrawals at Santander cash machines abroad when you choose the local currency
  • Daily cash withdrawal limits apply. Please see the General Terms & Conditions for full details (pdf)

This depends on which credit card you hold with us and which type of transaction you make. The two kinds of transactions are:

Making a purchase abroad or online in a currency other than sterling to buy goods or services.

Withdrawing money (foreign currency) and buying traveller's cheques - withdrawing cash abroad (either in a bank or at a cash machine), or buying traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Mastercard/Visa sign) in a currency other than sterling. Please note there is no interest free period on cash withdrawals and interest will be charged from the date of withdrawal.

What are the charges?
When you use your card abroad you may be charged a transaction fee, a purchase fee or a cash fee, depending on if you're making a purchase or withdrawing money.

The table below shows the charges on our credit cards when used abroad.

Credit card

Non-sterling transaction fee for purchases

Non-sterling transaction fee for cash withdrawals

Cash withdrawal fee

All in One Credit Card

0%

0%

3% (min £3)

Everyday Credit Card

2.95%

2.95%

3% (min £3)

Zero Credit Card

0%

0%

0%

Santander World Elite™
MasterCard®

 0%

0%

3% (min £3)

1|2|3 Credit Card
(no longer on sale)

0%

0%

3% (min £3)

All other Santander credit cards

2.95%

2.95%
 

3% (min £3)

Illustrative cost examples based on a €100 (Euro) transaction if using the 1I2I3, All in One or Santander World Elite Credit Card
 

Transaction

Transaction
    value ^

Non-sterling transaction fee

Non-sterling
purchase fee

Non-sterling
   cash fee

Total cost

Credit card purchase

€100

0.00%

n/a

n/a

£88.73

£88.73

£0.00

£0

£0

Credit card cash withdrawal

€100

0.00%

n/a

3% (min £3)

£91.73

£89.73
 
 

£0.00

£0

£3

Illustrative Cost Examples based on a €100 (Euro) transaction if using the Everyday Credit Card
 

Transaction

Transaction
     value^

Non-sterling
transaction fee

Non-sterling
purchase fee

Non-sterling
    cash fee

Total cost

Credit card purchase

€100

2.95%

n/a

n/a

£91.35

£88.73

£2.62

£0

£0

Credit card cash withdrawal

€100

2.95%

n/a

3% (min £3)

£94.35

£88.73
  
 

£2.62

£0

£3

For all other cards not shown here, please refer to your Key Facts Document

^Mastercard exchange rate of €1 = £0.887292 as at 1 June 2019

The exchange rates reflect the rate applicable when the relevant payment scheme (Mastercard or Visa) processed the transaction and not the date on which the transaction took place.

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 pounds. Always choose to pay using the local currency unless you're sure the exchange rate is more favourable. If you choose pounds, the retailer will handle the conversion and may charge you a fee.

We will convert the foreign currency using the exchange rate set by Visa or Mastercard (subject to card type) on the date the transaction is charged to your account, together with any applicable foreign usage fees as set out in the table above.

The exchange rate used may differ from the rate that applied on the actual date of the transaction as exchange rates vary on a daily basis. 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.

Mastercard exchange rates available at: www.mastercard.com/global/currencyconversion/index.html
Visa exchange rates available at: www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html

A daily cash withdrawal limit of £300 applies, unless otherwise advised.

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 2019Whether 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 apply online 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

If you have been affected by your travel provider going into administration, and have paid using your credit or debit card, you can use our Travel Company Liquidation Form to raise a claim.   
 

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