Using your debit card abroad
If you’re planning to travel abroad and use your Al Rayan Bank debit card, find out more about ATM withdrawal and purchase costs*.
*Overseas transactions can take 2-3 days to process, so the final exchange rate applied to them may be slightly different
Travelling overseas
There are many benefits of using your Al Rayan Bank debit card abroad, especially if you do not want to carry large amounts of cash around with you. However, it is important that you are fully aware of any costs that you may incur when using your debit card overseas.
There is a £1.50 charge to withdraw cash using an Al Rayan Bank debit card from an ATM outside the UK. However, Al Rayan Bank does not charge for debit card purchases overseas.
Current exchange rate and charge information
| Currency of exchange | European Central Bank Rate | MasterCard Rate | Al Rayan Bank mark-up over MasterCard Rate | Total Mark-up over ECB Rate |
|---|---|---|---|---|
| EUR | 1.13872 | 1.13433 | 0.0% | 0.39% |
| HUF | 438.75044 | 434.31053 | 0.0% | 1.02% |
| PLN | 5.33547 | 5.29855 | 0.0% | 0.70% |
| RON | 5.62584 | 5.58162 | 0.0% | 0.79% |
| SEK | 12.76732 | 12.72004 | 0.0% | 0.37% |
Comparison of transaction costs
|
100 EURO Transaction |
Converted Amount |
100 EURO with Conversion |
Total |
|---|---|---|---|
|
Making purchases abroad (including when you are being refunded |
£88 |
£0 |
£88 |
|
Withdrawing cash from any ATM abroad |
£88 |
£0 |
£88 |
* There is a £1.50 fee if you withdraw cash from an ATM whilst overseas, this will show as a separate item on your statement.
Security and fraud information
If you plan to travel outside the UK, please let us know the following information:
- Where you are travelling
- When you are travelling and the duration of the stay
- Update your contact numbers, including any temporary numbers that you may be contacted on
If you are planning to visit the USA and intend to use your Al Rayan Bank card, please contact us in advance.
Find out more about overseas card restrictions
For Independent Advice about using my cards abroad please visit Money Advice Service or the UK Cards Association.
Fraud and security
The threat from fraudsters is continually evolving. The best way to tackle these threats is to ensure you are always aware of them and how they work.