This table outlines debit card charges for transactions made in a foreign currency (Non-Euro) on all current account types except for the Adapt Account.
The Adapt Account (available to customers aged 11 to 18 only) is exempt from Transaction Fees, Commission Charges, Exchange Rate Transaction Fees when making a purchase or cash withdrawal in foreign currency (Non-Euro) anywhere in the world.
Using a debit card for purchases in foreign currency (Non-Euro)
| Within SEPA* |
Transaction Fee |
Commission Charge |
ERTF***
|
| Visa debit (Point of Sale) |
No charge |
1% of transaction amount
(min €0.25, max €6) |
1% of transaction amount
(min €0.25, max €6) |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) |
No charge |
1% of transaction amount
(min €0.25, max €6) |
1% of transaction amount
(min €0.25, max €6) |
| Outside SEPA* |
Transaction Fee
|
Commission Charge |
ERTF*** |
| Visa debit (Point of Sale) |
No charge |
1% of transaction amount
(min €0.25, max €6) |
1% of transaction amount
(min €0.25, max €6) |
| Visa debit Contactless including Apple Pay & Google Pay (Point of Sale) |
No charge |
1% of transaction amount
(min €0.25, max €6) |
1% of transaction amount
(min €0.25, max €6) |
Using a debit card for cash withdrawals in foreign currency (non-Euro)
| Within SEPA* |
Transaction Fee |
Commission Charge |
ERTF***
|
| Visa debit (ATM) |
No charge |
2% of transaction amount
(min €3, max €12) |
1.5% of transaction amount |
| Outside SEPA* |
Transaction Fee****
|
Commission Charge |
ERTF*** |
| Visa debit (ATM) |
No charge |
2% of transaction amount
(min €3, max €12) |
1.5% of transaction amount |
*The Single Euro Payments Area (SEPA) covers the whole of the European Union (EU). It also applies to payments in Euros in other European countries: Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino and Vatican City State.
**Other companies or ATM providers may charge an additional fee. You will be advised on screen about any charges before you withdraw cash.
***Exchange Rate Transaction Fee (ERTF) is a fee we charge when you undertake a transaction in a foreign currency which is converted by us into Euro using the Visa Payment Scheme Exchange Rate. To view up-to-date rates please visit visaeurope.com and search “Exchange Rate Calculator” or download the Visa Travel Tools app from the App Store or Google Play Store.
****Sterling cash withdrawals made from Ulster Bank (Northern Ireland), RBS (Scotland) and NatWest (England & Wales) ATMs are exempt from Transaction Fees, Commission Charges, Exchange Rate Transaction Fees except for the Current, Current Plus, Dual, Facility and Standard Accounts which are charged the €0.35 transaction charge per withdrawal from those ATMs.
