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The cost of using your card abroad

Compare the cost of spending abroad

The below tables show a comparison of our current exchange rate for certain currencies as a mark-up against the rate published by the European Central Bank, which helps you to understand the costs of using your credit card abroad.

When you buy something, or take money out of an ATM, abroad including the EU, you may be offered the option to pay in sterling, rather than the local currency.  If so, you should be provided with a rate as a mark-up over the ECB rate by the retailer or ATM provider.

You can use these tables to help you decide whether you do want to let the retailer or ATM provider undertake the conversion using their rate, or if you’d like us to undertake the conversion using our rate.  If you’d like us to convert the amount you should choose to pay in, or withdraw, local currency and not sterling.

The tables show our rate for certain currencies as a mark-up over the ECB rate.  The Visa and the ECB rates are directional as they may not be accurate depending on when we last updated the table. Also because it might take a day or two for your payment to be processed, the rate shown and the rate you are charged might be different. However, we do not expect the difference to be significant.

Please select the product you hold to see how the charges impact you.

Barclaycard Core Products

This table was last updated on 22/05/2020 at 10.30am. The rates in the table are directional as they may not accurately reflect the current Visa or European Central Bank rates. You can visit their websites for the most up to date rates.

The Visa rate is updated daily, Tuesday – Saturday at 00:00am GMT. The European Central Banks rate is updated daily, Monday – Friday at 15:00pm GMT.

Includes Barclays Premier Charge, Barclaycard Forward, Barclaycard Platinum, Barclaycard Freedom Rewards, Barclaycard Cashback & Hilton

Non-sterling purchases for Barclaycard core products

Visa Rate

Visa Rate + Barclaycard 2.99% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.07893

1.11182

This is 3.05% above the ECB mid-market rate

Polish New Zloty

5.01829


4.87260

5.03630

This is 3.36% above the ECB mid-market rate

Romanian Leu

5.38167

5.22543

5.38374

This is 3.03% above the ECB mid-market rate

Hungarian Forint

387.29667

376.05269

387.56686

This is 3.06% above the ECB mid-market rate

Swedish Krona

11.68402

11.34481

11.70741

This is 3.20% above the ECB mid-market rate

Non-sterling cash withdrawals for Barclaycard core products

Visa Rate

Visa Rate + Barclaycard 0% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.11119

1.11182

This is 0.06% above the ECB mid-market rate

Polish New Zloty

5.01829


5.01829

5.03630

This is 0.36% above the ECB mid-market rate

Romanian Leu

5.38167

5.38167

5.38374

This is 0.04% above the ECB mid-market rate

Hungarian Forint

387.29667

387.29667

387.56686

This is 0.07% above the ECB mid-market rate

Swedish Krona

11.68402

11.68402

11.70741

This is 0.20% above the ECB mid-market rate

Barclaycard Non-Core products

This table was last updated on 22/05/2020 at 10.30am. The rates in the table are directional as they may not accurately reflect the current Visa or European Central Bank rates. You can visit their websites for the most up to date rates.

The Visa rate is updated daily, Tuesday – Saturday at 00:00am GMT. The European Central Banks rate is updated daily, Monday – Friday at 15:00pm GMT.

Includes Barclays Infinite, Barclaycard Platinum Travel Card, Barclaycard Platinum Cashback Plus & Barclaycard Rewards

Non-sterling purchases for Barclaycard Non-Core products

Visa Rate

Visa Rate + Barclaycard 0% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.11119

1.11182

This is 0.06% above the ECB mid-market rate

Polish New Zloty

5.01829


5.01829

5.03630

This is 0.36% above the ECB mid-market rate

Romanian Leu

5.38167

5.38167

5.38374

This is 0.04% above the ECB mid-market rate

Hungarian Forint

387.29667

387.29667

387.56686

This is 0.07% above the ECB mid-market rate

Swedish Krona

11.68402

11.68402

11.70741

This is 0.20% above the ECB mid-market rate

Non-sterling cash withdrawals for Barclaycard Non-Core products

Visa Rate

Visa Rate + Barclaycard 0% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.11119

1.11182

This is 0.06% above the ECB mid-market rate

Polish New Zloty

5.01829


5.01829

5.03630

This is 0.36% above the ECB mid-market rate

Romanian Leu

5.38167

5.38167

5.38374

This is 0.04% above the ECB mid-market rate

Hungarian Forint

387.29667

387.29667

387.56686

This is 0.07% above the ECB mid-market rate

Swedish Krona

11.68402

11.68402

11.70741

This is 0.20% above the ECB mid-market rate

Woolwich OpenPlan

This table was last updated on 22/05/2020 at 10.30am. The rates in the table are directional as they may not accurately reflect the current Visa or European Central Bank rates. You can visit their websites for the most up to date rates.

The Visa rate is updated daily, Tuesday – Saturday at 00:00am GMT. The European Central Banks rate is updated daily, Monday – Friday at 15:00pm GMT.

Non-sterling purchases for Woolwich OpenPlan

Visa Rate

Visa Rate + Barclaycard 2.75% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.08145

1.11182

This is 2.81% above the ECB mid-market rate

Polish New Zloty

5.01829


4.88398

5.03630

This is 3.12% above the ECB mid-market rate

Romanian Leu

5.38167

5.23763

5.38374

This is 2.79% above the ECB mid-market rate

Hungarian Forint

387.29667

376.93106

387.56686

This is 2.82% above the ECB mid-market rate

Swedish Krona

11.68402

11.37131

11.70741

This is 2.96% above the ECB mid-market rate

Non-sterling cash withdrawals for Woolwich OpenPlan

Visa Rate

Visa Rate + Barclaycard 0% fee

European Central Bank Rate

Our rate compared to ECB

Euro

1.11119

1.11119

1.11182

This is 0.06% above the ECB mid-market rate

Polish New Zloty

5.01829


5.01829

5.03630

This is 0.36% above the ECB mid-market rate

Romanian Leu

5.38167

5.38167

5.38374

This is 0.04% above the ECB mid-market rate

Hungarian Forint

387.29667

387.29667

387.56686

This is 0.07% above the ECB mid-market rate

Swedish Krona

11.68402

11.68402

11.70741

This is 0.20% above the ECB mid-market rate