You can choose to pay for your goods in the local currency or pounds sterling whenever you use your debit, credit or cash card abroad. This includes withdrawing cash too. Our calculator shows how much it might cost you to pay in the local currency.
Your Santander debit, credit or cash card payment options
If you want to pay for something or take out money from a cash machine when you’re on holiday, you’ll be able to:
- Pay in local currency – we convert the amount to pounds sterling using the Visa or Mastercard daily exchange rates (subject to your card type) and may charge you a foreign currency conversion fee depending on the card you have, or
- Pay in pounds sterling – the retailer/ foreign bank will handle the conversion and may charge you a fee.
Sometimes the retailer or cash machine will show you how much it’ll cost to pay in pounds sterling. Use our fee calculator to see what option is cheaper for you.
There may be other fees to consider that are not accounted for in the calculator. Please refer to your Key Facts Documents or to the General and Product Specific Terms and Conditions for specific fees that apply to your account.
This calculator is for illustrative purposes only based on the information you’ve entered.
Please refer to your Key Facts Documents or to the General and Product Specific Terms and Conditions for specific fees that apply to your account.
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 pounds sterling after the application of the exchange rate will be detailed on your statement.
Personal customers can learn more by visiting the Travelling page on our website.
Business customers can learn more by visiting the International payments and travelling abroad page on our website.