Using your debit / credit card abroad

You can use your cahoot debit and credit card abroad to make purchases and to withdraw local currency from cash machines as and when you need it. Simply look for the Visa sign and feel secure knowing that it's a safer option than carrying large amounts of cash or traveller's cheques.

You can use either your cahoot debit or credit card to withdraw up to a maximum of £500 cash a day (depending on your available balance / credit limit).

before travelling overseas

lost or stolen cards

If you think your card has been lost or stolen, or blocked for fraud protection reasons when trying to use your card, you should call us as soon as possible on 0844 9000 900* (in the UK) or +44 1908 937 222 if you're outside the UK and outside working hours. *Call charges apply

fees and charges - debit card

Charges apply when you use your debit card abroad:

Making a purchase abroad or online in a currency other than sterling to buy goods or services Withdrawing cash abroad (either in a bank or at a cash machine), or to purchase traveller's cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Visa sign) in a currency other than sterling
You will be charged a non-sterling
transaction fee of 2.25% of the value
You will be charged a non-sterling transaction fee of 2.25% of the
value plus a non-sterling cash fee of 1.5% of the value (at least £1.50)

Please note: If you're given the option of paying in either local currency or sterling, choose local currency unless you're certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both. Some cash machine providers may also apply an additional withdrawal fee for using their cash machine.

When you use your debit card abroad or online in a currency other than sterling, we convert the amount to sterling using the exchange rate set by Visa on the date the money is taken from your account. For more information on Visa Exchange check the Visa website

fees and charges - credit card

Charges apply when you use your credit card abroad:

Making a purchase abroad or online in a currency other than sterling to buy goods or services Withdrawing cash abroad (either in a bank or at a cash machine), or to purchase travellerís cheques or foreign currency when abroad (at another bank, bureau de change or other outlet displaying the Visa sign) in a currency other than sterling
You will be charged a non-sterling
transaction fee of 2.25% of the value
You will be charged a non-sterling transaction fee of 2.25% of the
value plus a non-sterling cash fee of 1.5% of the value (at least £1.50)

Please note: If you're given the option of paying in either local currency or sterling, ensure you choose local currency unless you are certain that the exchange rate is more favourable. If you choose sterling, it means that the retailer or bank will handle the conversion and may charge you a conversion fee, a foreign usage fee, or both. Some cash machine providers may also apply an additional withdrawal fee for using their cash machine.

When you use your credit card abroad in a currency other than sterling, we convert the amount to sterling using the exchange rate set by Visa on the date the transaction is charged to your account. For more information on Visa Exchange check the Visa website

Illustrative cost examples based on 100 euro transaction

Transaction Transaction value Non-sterling transaction fee Non-sterling purchase fee Non-sterling cash fee Total cost
Debit card
purchase
€100 **

£79.04
2.25%

£1.78
n/a n/a £80.82
Debit card cash
withdrawal
€100 **

£79.04
2.25%

£1.78
n/a 1.5% (min £1.50) £82.32
Credit card
purchase
€100 **

£79.04
2.25%

£1.78
n/a n/a £80.82
Credit card
cash withdrawal
€100 **

£79.04
2.25%

£1.78
n/a 1.5% (min £1.50) £82.32

** Visa exchange rate as at 06/06/16 of €1 = 0.790395

tips when using your card abroad

before you leave:

when you get there:

contact us

If you still can't find the answer you are looking for and you're logged on to online banking, you can contact us by secure message or by email at contact.us@cahoot.com. Please remember, if emailing, do not include any account related information for security purposes.

cahoot is a division of Santander UK plc. Registered Office: 2 Triton Square, Regentís Place, London NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA's website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. cahoot, Santander and the flame logo are registered trademarks.