Take the perfect travel companion with you

Heading somewhere nice this year? You can use your HSBC debit and credit cards easily outside the UK, the same way you would at home. 

At a glance

  • Enjoy flexibility and convenience
    You can use your debit or credit card at shops, restaurants and cash machines while you’re away. Plus you can use contactless* wherever it’s accepted.
  • Keep track of your holiday spends
    Use our mobile banking app or online banking to keep track of your spending outside the UK. That way, you’ll have no nasty surprises on your statement when you arrive back home.
  • Relax knowing you can block your card
    If you think your card’s been lost or stolen, you can freeze or block it with our online or mobile banking – and unblock it if it turns up again.

*Fees apply when using your card outside the UK. Please see our frequently asked questions for full details.

Top tip – it pays to go local

If you’re using your card outside the UK and are given the choice of paying in pounds or local currency, consider choosing local currency. By selecting this option, you’ll avoid dynamic currency conversion fees and in most cases will get a better exchange rate.

How much will it cost to use my HSBC debit card in restaurants and shops?

If you pay using your HSBC debit card while you’re away you’ll be charged a 2.75% 'non-sterling transaction fee’. Here’s how much you’d be charged for purchases in shops and restaurants etc.
If you spend You will pay a fee of
£10 28p
£25 69p
£40 £1.10
£50 £1.38
£75 £2.06
£100 £2.75

How much will it cost to use my HSBC debit card in restaurants and shops?

If you pay using your HSBC debit card while you’re away you’ll be charged a 2.75% 'non-sterling transaction fee’. Here’s how much you’d be charged for purchases in shops and restaurants etc.
If you spend £10
You will pay a fee of 28p
If you spend £25
You will pay a fee of 69p
If you spend £40
You will pay a fee of £1.10
If you spend £50
You will pay a fee of £1.38
If you spend £75
You will pay a fee of £2.06
If you spend £100
You will pay a fee of £2.75

Credit card charges are slightly different. For details, please see our frequently asked questions, below.

Visa converts transactions into sterling using the Visa Exchange Rate applicable on the day it processes the transaction (the rates are provided by Visa and subject to change). This date may be different to the day on which the transaction took place. Historic exchange rate information is available at www.visaeurope.com

How much will it cost to withdraw money from an ATM with my HSBC debit card?

A non-sterling transaction fee of 2.75% applies to conversion on foreign exchange transactions for all HSBC account holders.

HSBC Bank Account holders are charged a non-sterling cash fee of 2% (minimum £1.75, maximum £5.00) when withdrawing non-sterling cash. However, there is no non-sterling cash fee for HSBC Premier, HSBC Premier MyAccount or HSBC Advance customers when using ATMs.

Credit card charges are slightly different. See our frequently asked questions, below, for details.

Travelling?

You can head off on your travels with the confidence that we’ll look out for any unusual spending on your accounts, the same way we do when you’re at home. Please make sure we’ve got an up to date phone number so we can get in touch if we need to.

How to let us know

Log on to online banking and select 'Travel notification' under the 'My banking' section of the top menu to create a travel plan.

Frequently Asked Questions

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