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Using your cards outside the UK
Our debit and credit cards are accepted worldwide. At over 26 million locations.
For day to day spending and access to your cash. With the same security and convenience that you get in the UK.
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Debit card details
Debit card fees and charges
The table below lets you know the fees for using a Halifax debit card to make a payment or withdraw cash in a currency other than pounds or withdraw cash in pounds outside the UK. Any Euro transaction within the EEA or UK won’t be charged the foreign currency cash fee of £1.50, the foreign cash fee of £1.50, or the foreign currency purchase fee of £0.50.
If you ask the cash machine or terminal provider to do the currency conversion we won’t charge the foreign currency purchase fee, the foreign currency transaction fee or the foreign cash fee where you are withdrawing cash in a foreign currency in the UK. The provider of the currency conversion may charge you.
Ultimate Reward debit card
All other debit cards
Savings card
Ultimate Reward debit card
Nil
All other debit cards
2.99%
Savings card
2.99%
Ultimate Reward debit card
Nil
All other debit cards
£0.50
Savings card
N/A
Ultimate Reward debit card
Nil
All other debit cards
£1.50
Savings card
£1.50
Ultimate Reward debit card
Nil
All other debit cards
£1.50
Savings card
£1.50
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Halifax debit card, and assumes you allow us to convert the transaction from foreign currency. The exchange rates used were the applicable rates for transactions processed on 6th June 2022.
Purchase
Ultimate Reward debit card
All other debit cards
Savings card
Purchase
Original Transaction
Ultimate Reward debit card
€100
All other debit cards
€100
Savings card
N/A
Purchase
Payment scheme exchange rate
Ultimate Reward debit card
1.16466
All other debit cards
1.16466
Savings card
N/A
Purchase
Conversion to pounds
Ultimate Reward debit card
£85.86
All other debit cards
£85.86
Savings card
N/A
Purchase
Foreign currency transaction fee
Ultimate Reward debit card
Nil
All other debit cards
£2.57 (2.99%)
Savings card
N/A
Purchase
Foreign currency purchase fee
Ultimate Reward debit card
Nil
All other debit cards
£0.50^
Savings card
N/A
Purchase
Final statement amount
Ultimate Reward debit card
£85.86
All other debit cards
£89.93
Savings card
N/A
Cash Withdrawal
Ultimate Reward debit card
All other debit cards
Savings card
Cash Withdrawal
Original Transaction
Ultimate Reward debit card
€100
All other debit cards
€100
Savings card
€100
Cash Withdrawal
Payment scheme exchange rate
Ultimate Reward debit card
1.16466
All other debit cards
1.16466
Savings card
1.16466
Cash Withdrawal
Conversion to pounds
Ultimate Reward debit card
£85.86
All other debit cards
£85.86
Savings card
£85.86
Cash Withdrawal
Foreign currency transaction fee
Ultimate Reward debit card
Nil
All other debit cards
£2.57 (2.99%)
Savings card
£2.57 (2.99%)
Cash Withdrawal
Foreign currency cash fee
Ultimate Reward debit card
Nil
All other debit cards
£1.50^
Savings card
£1.50^
Cash Withdrawal
Final statement amount
Ultimate Reward debit card
£85.86
All other debit cards
£89.93
Savings card
£89.93
^For debit card transactions in Euro within the EEA or UK we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
To help you compare our debit card or Savings card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here.
Information on other rates, rewards and debit card fees.
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Compare card usage costs
The table below compares the cost of spending or withdrawing €100 outside the UK and EEA using a Halifax credit or debit card. The exchange rates used were the applicable rates for transactions processed on 5th June 2023 using the Halifax Current Account debit card and any other Halifax credit card other than a Clarity Card. For information to specific accounts please see your relevant credit or debit card account.
Comparing the cost of spending or withdrawing €100 outside the UK using our credit or debit cards Purchase
Credit card
Debit card
Purchase
Original transaction
Credit card
€100
Debit card
€100
Purchase
Payment scheme exchange rate
Credit card
1.1170783
Debit card
1.16466
Purchase
Conversion to pounds
Credit card
£89.52
Debit card
£85.86
Purchase
Foreign currency transaction fee
Credit card
£2.64 (2.95%)
Debit card
£2.57 (2.99%)
Purchase
Foreign currency purchase fee
Credit card
Nil
Debit card
£0.50^
Purchase
Final statement amount
Credit card
£92.16
Debit card
£88.93
Comparing the cost of spending or withdrawing €100 outside the UK using our credit or debit cards Cash withdrawal
Credit card
Debit card
Cash withdrawal
Original transaction
Credit card
€100
Debit card
€100
Cash withdrawal
Payment scheme exchange rate
Credit card
1.1170783
Debit card
1.16466
Cash withdrawal
Conversion to pounds
Credit card
£89.52
Debit card
£85.86
Cash withdrawal
Foreign currency transaction fee
Credit card
£2.64 (2.95%)
Debit card
£2.57 (2.99%)
Cash withdrawal
Foreign currency cash fee
Credit card
£4.48 (5%)
Debit card
£1.50^
Cash withdrawal
Final statement amount
Credit card
£96.64
Debit card
£89.93
Our exchange rates for card transactions are determined by the payment scheme provider for the card. For further information and other exchange rates and currencies see MasterCard or Visa. For travel money, the exchange rate is determined by us.
The foreign currency transaction fee is a fee for currency conversion.
Other fees, charges and interest may apply. Please refer to your account terms and conditions or see credit cards details or debit cards details for more information
^For debit card transactions in Euro within the EEA or UK we won’t charge the foreign currency cash fee of £1.50 or the foreign currency purchase fee of £0.50.
The European Economic Area (EEA), which means the countries in the European Union plus Iceland, Norway and Liechtenstein.
This example assumes you allow us to convert the transaction from foreign currency to pounds. If you choose to allow the provider to convert the transaction to pounds, they may make a separate charge for conversion.
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Statement terms
The following fees if charged will be shown separately on your statement.
We won’t charge our debit card fees on transactions or withdrawals at home or abroad where an Ultimate Reward debit card has been used, or on other current accounts you hold, for your selected weeks if you have added Travel Ready to the account.
Statement terms Type of fee
Fees
Type of fee
Foreign currency transaction fee
Fees
This is a fee we charge for the conversion of currency. This is a percentage value of your original transaction.
Type of fee
Foreign currency purchase fee
Fees
This is a fee we charge per transaction when you make a purchase in a foreign currency (not a cash withdrawal or purchase of foreign currency). This fee is applicable only to debit card transactions. This fee does not apply to debit card purchases in Euro within the EEA or UK, or transactions outside the UK where you choose to pay in pounds and allow the retailer to do the conversion.
Type of fee
Foreign currency cash fee
Fees
This is a fee we charge for the withdrawal of foreign currency, and pounds Sterling outside the UK using your debit card. This fee does not apply to the withdrawal of Euro within the EEA or UK.
Type of fee
Foreign cash fee
Fees
This is a fee we charge if you choose to complete your withdrawal of foreign currency, or Pounds sterling outside the UK using the ATM providers conversion rate to pounds. This fee will not apply to withdrawals in Euro within the EEA or UK.
The ATM provider may make a separate charge for the conversion which will be included in the exchange rate offered to you.
Type of fee
Cash fee
Fees
This is the fee we charge for withdrawal of cash on a credit card whether in the UK or outside the UK.
|
Fees |
Clarity card |
Other Credit cards |
|---|---|---|
|
Fees Foreign currency transaction fee |
Clarity card N/A |
Other Credit cards 2.95% |
|
Fees Cash fee (also applicable for pounds withdrawals) |
Clarity card N/A |
Other Credit cards 5% |
Interest may be charged differently dependent on whether you have made a purchase or withdrawn cash. Please check your account terms or credit card fees, charges and interest for more information.
Compare the cost of spending or withdrawing €100 outside the UK using our credit cards*.
*The exchange rates used were the applicable rates for transactions processed on 3rd June 2024.
|
Purchase |
Clarity Card |
Other Credit cards |
|---|---|---|
|
Purchase Original transaction |
Clarity Card €100 |
Other Credit cards €100 |
|
Purchase Payment scheme exchange rate |
Clarity Card 1.1170783 |
Other Credit cards 1.1170783 |
|
Purchase Conversion to pounds |
Clarity Card £89.52 |
Other Credit cards £89.52 |
|
Purchase Foreign currency transaction fee |
Clarity Card Nil |
Other Credit cards £2.64 (2.95%) |
|
Purchase Final statement amount |
Clarity Card £89.52 |
Other Credit cards £92.16 |
|
Cash withdrawal** |
Clarity Card |
Other Credit cards |
|---|---|---|
|
Cash withdrawal** Original transaction |
Clarity Card €100 |
Other Credit cards €100 |
|
Cash withdrawal** Payment scheme exchange rate |
Clarity Card 1.1170783 |
Other Credit cards 1.1170783 |
|
Cash withdrawal** Conversion to pounds |
Clarity Card £89.52 |
Other Credit cards £89.52 |
|
Cash withdrawal** Foreign currency transaction fee |
Clarity Card Nil |
Other Credit cards £2.64 (2.95%) |
|
Cash withdrawal** Cash fee |
Clarity Card Nil |
Other Credit cards £4.48 (5%) |
|
Cash withdrawal** Final statement amount |
Clarity Card £89.52 |
Other Credit cards £96.64 |
To help you compare our credit card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here
**This example assumes you allow us to convert the transaction from foreign currency to sterling. If you choose to allow the provider to convert the transaction to sterling, they may make a separate charge for conversion.
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