If you have an account that offers a cash card, and you haven’t already asked for one, just give us a call on 0800 121 8899, or come into a branch. If you asked for a card when you applied for the account, you’ll get it in the post a few days after we open your account. When it arrives check the name is correct and sign your card on the back. You’ll need to be 16 or over to have a cash card. (Children with an Intro account can have a card from age 11.)
We’ll also send you a PIN (Personal Identification Number) in a separate envelope. If you have a joint account and both of you have a cash card, your cards and PINs will all arrive separately in the post. You can change your PIN at any Coventry cash or LINK machine.
Please don’t share your PIN with anyone. If your card is lost or stolen, or someone else might know your PIN, call us straight away on 0800 121 8899. If you don’t tell us, you could be liable for all transactions on your account.
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
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.
Whilst you’re abroad, some cash machines might offer you the option of choosing whether you want to complete the transaction in the local currency or in pounds sterling. You will receive cash in local currency, regardless of the option you choose.
If you choose to complete the transaction in pounds sterling, your account will be debited using the exchange rate offered by the cash machine operator and not the exchange rate set by Visa. This is called Dynamic Currency Conversion (DCC).
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 and 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.
Example withdrawing €100 using your cash card
Cash withdrawal from Visa or PLUS cash machine abroad
Visa wholesale exchange rate
€1 = £0.858618*
Converted to pounds sterling
2% of the sterling value of the transaction
Amount shown on your statement
* The Visa exchange rate used here applied on 6 June 2022.
Want help? Our help section is bursting with useful information. If you'd rather chat, just give us a call.
11 minutes and 45 seconds for savings enquiries
30 seconds for mortgage enquiries
To find out more about how we look after your data view our Privacy Notice.