HomeTravel & InternationalTravel help and adviceUsing your debit card outside the UK

Using your debit card outside the UK

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?

No, you can go on your travels safe in the knowledge that we will look out for any unusual spending on your accounts as we would do when you're here at home. As always, please make sure we have have your up to date telephone numbers (you can send us a message on Online Banking).

Can I use my first direct debit card outside the UK?

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 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 foreign currency 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 used when converting your transaction.

Can I withdraw cash outside the UK 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 outside the UK 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 outside the UK. 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 foreign currency transaction of €100 on 22 May 2018 with a VISA exchange rate of 1.13856 = £87.83.

Purchases Cash Withdrawal
1st Account Non-Sterling Transaction Fee £2.42 £2.42
Non-Sterling Cash Fee n/a £1.76

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