Use your first direct card to withdraw cash and pay for goods and services throughout the world
Do I need to tell first direct I am travelling?
How to tell us you're travelling.
If you're going on holiday and you're taking your first direct card with you, you don't have to tell us but we'd recommend it.
That way, we won't get worried if we see you buying flip flops in Florida, or breakfast in Barcelona.
It's easy to do. To get started just log in to Internet Banking, and once you're in, select 'account servicing' from the menu on the left.
Then click 'tell us you're travelling'.
Then tell us all about when and where you're going, and also let us know which of your first direct cards you'll be taking with you.
All that's left to do is go and enjoy yourself. Don't forget your passport!
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 opens a new window and selecting 'Tell us you're travelling' in the 'Account Servicing' section in the left hand menu.
Can I use my first direct debit card abroad?
Wherever you see the Visa logo displayed on your card you may use your first direct card. You will normally need to enter your PIN at checkouts. For non-Sterling (foreign currency) transactions we will charge a fee of 2.75% of the Sterling amount of the transaction. This fee will be shown as a separate line on your statement as a 'Non-Sterling Transaction Fee'.
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.
Can I withdraw cash abroad using my first direct debit card?
If you need cash or local currency, you can use your first direct card at over one million cash machines worldwide displaying the Visa logo on your card. Your PIN is the same and instructions are in English.
There is a non-Sterling cash fee currently 2% (minimum £1.75, maximum £5.00) for withdrawing cash at cash machines overseas. First Directory members do not incur a fee, however, these transactions are still subject to a non-Sterling transaction fee of 2.75%. Some cash machine operators may apply a direct charge for withdrawals from their cash machines and this will be advised on screen at the time of the withdrawal.
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.
Non-Sterling Transaction Fee
Non-Sterling Cash Fee
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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.