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Using your card abroad

You can use your Coventry cash or debit card to get cash from a machine anywhere in the world displaying the Visa or PLUS symbols. 

Tell us before you go 

If you want to use your card abroad, contact us no more than two weeks before you go with the details of where you’re going and the dates you’re away.

If you don’t tell us you’re abroad, your card won’t work when you’re away. This is one of our fraud prevention measures.

You can:

Ask us at any branch

Call us on 0800 121 8899

Log into Online Services, if you’re registered, and send us a secure message with details of your trip

If you forget to contact us before you leave the UK, call us on +44 2476 555 255 (this number’s on the back of your card) during our normal UK working hours and we’ll sort it out for you as fast as we can.

These are our charges for using your card abroad
Charge for making withdrawals from Visa and PLUS cash machines abroad 


2% of sterling transaction value


We convert the amount of the withdrawal to pounds sterling on the date we take it out of your account at the wholesale rate of exchange applied by Visa. We then charge 2% of the sterling transaction value.

We normally deduct this charge from your account within 14 Business Banking Days of you making the withdrawal 

Charge for Debit Card purchases abroad 

 

 

2% of sterling transaction value



 

We convert the amount of the transaction to pounds sterling on the date we take it out of your account at the wholesale rate of exchange applied by Visa. We then charge 2% of the sterling transaction value.

We normally deduct this charge from your account within 14 Business Banking Days of the transaction. 

We don’t charge an extra cash fee for using a Visa or PLUS cash machine abroad.

There's no charge for using your card when you're away if you’re in an area that uses pounds sterling, for example the Isle of Man, the Channel Islands and Gibraltar.

You can find out today's Visa exchange rate here at the Visa website; Visa exchange rate calculator

Example: withdrawing/spending €100 using your Visa debit or cash card:
Card withdrawal from Visa or PLUS cash machine abroad or Visa card purchase abroad
€100
Visa wholesale exchange rate
€1 = £0.88**
Converted to pounds sterling
£88
2% of the sterling value of the transaction 
£1.76
Amount shown on your statement
£89.76
**The Visa exchange rate used here applied on 5th June 2017. 

Paying in pounds sterling or local currency

While you’re abroad, some shops and cash machines might offer to make your card transaction in pounds sterling rather than the local currency. This is called ‘Dynamic Currency Conversion’ (DCC)  and it allows them to make the conversion rather than us.

It may or may not be cheaper. However, they can choose any exchange rate and they might also charge a commission.

If you don’t want to pay by DCC, tell the retailer you want to pay in local currency before you hand them your card. If you’re using a cash machine, read the screen carefully to make sure it hasn’t got DCC selected by default. If it has, you should be able to de-select it.