Using your Barclaycard when travelling abroad

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Your Barclaycard - the perfect travelling companion

Tickets? Passport? Barclaycard? You’re all set.

For a simple and secure way to pay overseas, just take your Barclaycard along with you. Packed with features like fraud protection and emergency cash, it’s got you covered – wherever you wander.

Take the trouble out of travel

And just so you know – you don’t have to tell us you’re taking your card on holiday. Here’s what you get:

A single fee

With Barclaycard, you just pay one single non-sterling transaction fee of 2.99%* – every time you buy something or withdraw cash overseas.

Protection – home and away

  • 24/7 fraud monitoring as standard
  • Early warning service – we’ll tell you if we ever spot anything suspicious
  • Calls to our helpline from abroad are charged as local calls – or you can reverse the charges

Emergency card and cash

If you lose your Barclaycard abroad, or it’s stolen, call us 24/7 on +44 (0)1604 230 230 and we can:

  • organise a temporary card
  • arrange a cash advance of up to £1,000 - subject to your available cash limit.

Worldwide assistance

If your trip doesn’t go according to plan, we’re here to help. Call us on +44 (0)1604 230 230 and we could:

  • arrange transport back home
  • find you a local, English-speaking doctor or lawyer

Find out more about Barclaycard Worldwide assistance

And a little breather when you get home

The good stuff continues when you’re back – you could have up to 56 days interest-free on the things you bought and any cash withdrawals you made in the local currency while you were away.**

How to make the most of those 56 days

  • The number of interest-free days you get depends on when your Barclaycard statements run from and the date of your transaction – here are a couple of examples
  • Make sure you pay each monthly statement in full

*The 2.99% transaction fee might not apply if you have a Platinum travel or cashback credit card, or if we've recently offered you a lower promotional fee by letter or email. This will also tell you the end date for the promotion.

** Premier Charge Card and Woolwich Openplan cards don’t have 56 days’ interest-free purchases. If you have one of these, check your statement.

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What happens when you use your Barclaycard abroad?

If you buy something or withdraw cash abroad using the local currency, the transaction and the non-sterling transaction fee are converted into sterling using the payment scheme’s exchange rate on that day.

The two sterling amounts are then added together and divided by the original currency payment amount to work out the new exchange rate. You’ll see this rate – which includes the fee – on your statement.

Compare the cost of spending abroad

Use the table below to compare the cost of using your Barclaycard Platinum abroad1. All of the exchange rates are-up-to date as of 4 June 2018 – this is a standard banking data comparison which is updated annually.

The 2.99% transaction fee might not apply if we’ve recently got in touch to offer you a lower rate. If that’s the case, we’ll confirm the offer and when it ends on your monthly statement. fee

Non-sterling transaction fee (for purchases & cash)

Payment scheme exchange rate

If you spend €100 on your Barclaycard, you'd pay:

Barclaycard Visa credit card

2.99%

€1 = £0.8810029337

£90.73

Barclays Visa debit card

2.75% plus £1.50 for cash2

€1 = £0.8810029337

£90.52 for purchases

£92.02 for cash

Barclays Visa Charge Card

2.99%

€1 = £0.8810029337

£90.73

1The credit card used in this example is Barclaycard Platinum. Other cards may have different fees, which you’ll find in the summary box on your statement.

2To withdraw €100 in cash on your Barclays Visa debit card you’d pay £92.02 – unless you withdraw it from a Barclays or Global Alliance member bank cash machine. In that case, it’d cost £90.52, as no fee would be charged. Fee was 2.75% plus £1.50 for cash before 17 October 2016.

Find out more about using your Barclays debit card abroad here.

 

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Sterling or non-sterling?

Some overseas retailers might let you pay in sterling – this is called Dynamic Currency Conversion. And although you’ll avoid the transaction fee this way, it could cost you more than expected. That’s because the exchange rate set by the retailers won’t be as competitive as the ones set by Visa . Alternatively, you can pay in the foreign currency and pay the fee.

To make sure your exchange rate is as competitive as possible, you’ll pay the daily exchange rate set by Visa

Answers to questions you may have

When the 56 day interest-free period applies

The 56-day interest-free period only applies to new purchases and non-sterling transactions, but only if you pay your main statement balance in full, plus any Purchase Plan instalments. The following cards don’t have 56 days interest-free purchases: Premier Charge Card and Woolwich Openplan. If you have one of these cards, check the back of your statement.

Man holding drinks and a Barclaycard

Not a customer?

If you don’t already have a Barclaycard, browse our credit cards to find the right one for you.

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