HomeTravel & InternationalTravel help and adviceUsing your credit card abroad

Using your credit card abroad

Accepted at over 35 million outlets worldwide and ideal for spending abroad

Do I need to tell first direct I am travelling?

Video Transcript

You don't have to tell us when you're off on your travels, but to reduce the chance of anything being declined it's a good idea to let us know your travel plans (we won't be jealous at all) so that we don't get suspicious. It's really easy to do by just logging on to Internet Banking and selecting 'Tell us you're travelling' in the 'Account Servicing' section in the left hand menu.

Can I use my first direct credit card to pay for goods and services abroad?

You can pay for your goods whilst abroad at over 35 million outlets worldwide. If you make a transaction in a non-Sterling currency (a foreign currency) we will charge a fee of 2.99% of the amount of the transaction.

Any non-Sterling transactions (including cash withdrawals) are converted to Sterling by using the relevant payment scheme exchange rate applying on the day the conversion is made.

We will deduct the payment and related transaction fees from your account once we receive details of the payment from the card scheme, at the latest the next working day.

See more information on the rate of exchange Visa uses when converting your transaction.

Can I withdraw cash abroad using my first direct credit card?

Your first direct credit card allows you to withdraw up to £500 in local currency from over two million cash machines worldwide displaying the Visa logo. If you make a transaction in a non-Sterling currency (a foreign currency) we will charge a fee of 2.99%. This fee will be shown separately on your statement as a 'Non-Sterling Transaction Fee'.

For cash advances (other than for gambling transactions) we will also charge a cash fee of 2.99% of the amount advanced (minimum £3.00). Some ATM operators may also charge you for making withdrawals from their machines, and this be advised on screen at the time of withdrawal.

Can I order travel money in advance using my first direct credit card?

Yes. Simply order online using your credit card.

Below is a cost illustration of making a non-Sterling transaction of €100 on 6 June 2016 with a Visa exchange rate of 1.28442 = £77.86.

Purchases ATM Withdrawal
Gold Card Non-Sterling Transaction Fee (2.99%) £2.33 £2.33
Cash Fee n/a £3.00
Credit Card Non-Sterling Transaction Fee (2.99%) £2.33 £2.33
Cash Fee n/a £3.00

You may also like

Need some spending money?

Order between £100 and £2,500 in foreign currency online or over the phone, and we'll arrange to have it delivered to your door - usually the next day. Terms and Conditions apply.

Order Travel Money

15% online discount for all new Travel Insurance policies

Going anywhere nice? Don't forget to take some proper teabags. And get some proper Travel Insurance too, provided by Aviva Insurance Limited.

Get a quote for Travel Insurance