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Using your card outside the UK
Pack your card for your next adventure
Take your HSBC cards with you
Heading somewhere nice this year? You can use your HSBC debit and credit cards easily outside the UK, the same way you would at home.
At a glance
Enjoy flexibility and convenience
You can use your debit or credit card at shops, restaurants and cash machines while you’re away. Fees may apply when using your card outside the UK.
Keep track of your holiday spending
Switch on notifications in mobile banking so you know when money goes in or out of your account.
Relax knowing you can freeze your card
You can freeze it in mobile banking or online banking – and unfreeze it if it turns up again.
*Fees apply when using your card outside the UK. Please see our frequently asked questions for full details.
Going abroad?
You don't need to notify us. Just make sure your contact details are up to date, so we can get in touch if there's an issue.
Update now（https://www.hsbc.co.uk/help/banking-made-easy/update-your-details/change-contact-details/）
Have you considered a Global Money Account?
Convert, receive, send and spend multiple currencies around the world.
Eligibility criteria apply.
Find out more Find out more about global money（https://www.hsbc.co.uk/current-accounts/products/global-money/）
Top tip – it pays to go local
If you’re using your card outside the UK in shops, bars or restaurants and are given the choice of paying in pounds or local currency, you could consider choosing local currency.
If you choose to pay in local currency, you’ll avoid dynamic currency conversion fees and in most cases will get a better exchange rate.
Frequently asked questions
How do I choose which cards to take with me?
Using your cards outside the UK, in combination with your travel money（https://www.hsbc.co.uk/international/travel-money/） , gives you more flexibility when managing your holiday money.
A debit card allows you to withdraw cash at cash machines and pay for purchases plus keep a track of your spending via online, mobile or telephone banking.
Credit cards can be useful when purchasing more expensive items because of your rights under the Consumer Credit Act 1975. However, please note fees and charges apply.
What are the debit card fees outside the UK?
Debit card fees abroad
Account Fees for a debit card payment in a foreign currency Fees for a cash withdrawal in foreign currency, or from a cash machine outside the UK
Global Money Account 0.00%
HSBC Premier Account (including HSBC Jade) 2.75%
All other accounts 2.75% 2.75% plus a fee of 2% (minimum £1.75, Maximum £5.00).
Debit card fees abroad
Account
Global Money Account
Fees for a debit card payment in a foreign currency
0.00%
Fees for a cash withdrawal in foreign currency, or from a cash machine outside the UK
0.00%
Account
HSBC Premier Account (including HSBC Jade)
Fees for a debit card payment in a foreign currency
2.75%
Fees for a cash withdrawal in foreign currency, or from a cash machine outside the UK
2.75%
Account
All other accounts
Fees for a debit card payment in a foreign currency
2.75%
Fees for a cash withdrawal in foreign currency, or from a cash machine outside the UK
2.75% plus a fee of 2% (minimum £1.75, Maximum £5.00).
Visa converts transactions into sterling using the Visa Exchange Rate applicable on the day it processes the transaction (the rates are provided by Visa and subject to change). This date may be different to the day on which the transaction took place. Historic exchange rate information is available at www.visaeurope.com（http://www.visaeurope.com/）.
Where you choose to make the payment / withdrawal in sterling, then HSBC will not make any conversion and this will be done by either the retailer or self-service machine owner.