Using Barclaycard abroad

If you're heading overseas and thinking of taking a Barclaycard, find out what charges and exchange rates will apply, and how to keep costs down.

Whether you already have a Barclaycard or are thinking of getting one, it’s smart to check what fees will apply before you use a Barclaycard for non-sterling transactions. So what should you watch out for?

The potential fees when travelling

  1. Non-sterling transaction fees
    Most Barclaycards are on the Visa network, which is great because if a merchant takes card payments, it probably takes Visa. It also means that currency conversion takes place at Visa’s exchange rates, but depending on the Barclaycard that you use, you’ll be charged a “non-sterling transaction fee” on top of this for each purchase. This is usually a percentage of the amount spent (see table below). Business Barclaycards are issued on the Mastercard network, in which case currency conversion uses Mastercard exchange rates.
  2. Merchant currency conversion fees (DCC)
    If you’re paying at a merchant overseas and they offer to charge your card in pounds rather than in the local currency, that will mean that the merchant’s exchange rates and fees rules will apply, rather than your own card issuer’s. If you’ve carefully selected a card with favourable terms for overseas usage, accepting “dynamic currency conversion” (DCC) risks undoing all your hard work.
  3. Cash advance fees
    As a general rule of thumb, withdrawing cash using a credit card is an expensive choice and best avoided. These transactions can incur a fee, a higher rate of interest and your regular interest-free days each billing cycle may not apply. Some cards which are marketed for overseas use may offer favourable terms on cash advances at ATMs abroad, but don’t forget that even then, the cash machine provider may still charge you for using their machine.
  4. Merchant hidden fees
    These are rare, but still worth looking out for. In some non-EU countries, merchants will simply add a percentage-based surcharge when you pay using a credit card. If in doubt, just ask the merchant before you hand over your card.

Barclaycard non-sterling transaction fees

Table: sorted by representative APR, promoted deals first
1 - 9 of 9
Name Product Purchases rate Foreign transaction fee Foreign cash transaction fee Interest-free days on foreign transactions Interest-free days on foreign cash transactions Representative example Link
Barclaycard Platinum 24 Month Balance Transfer Credit Card
0% for 3 months reverting to 22.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
View details
Barclaycard Platinum All-Rounder Visa
0% for 24 months reverting to 22.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
View details
Barclaycard Platinum 30 Month Balance Transfer Credit Card
22.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
View details
Barclaycard Platinum 27 Month Balance Transfer Credit Card
22.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
View details
Barclaycard Platinum 15 Month No Fee Balance Transfer Visa
0% for 3 months reverting to 22.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
View details
Barclaycard Rewards Visa
23.9%
0%
0%
Up to 56 days
Up to 56 days
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
View details
Barclaycard Avios Card
23.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
View details
Barclaycard Forward Credit Card
0% for 3 months reverting to 33.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
View details
Barclaycard Avios Plus Card
23.9%
2.99%
2.99% (min. £2.99)
0 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £20 per month, your representative rate is 72.4% APR (variable).
View details
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Compare up to 4 providers

Here’s a section from a Barclaycard summary box (a card’s “summary box” must be displayed by all card issuers, and it’s often the quickest way to ascertain what rates and fees apply to a particular card).

Section from a Barclaycard summary box Image: Supplied

What about alternatives to Barclaycard?

Table: sorted by representative APR, promoted deals first

If the Barclaycard you have (or are considering) isn’t great for overseas use, you may opt to switch to an alternative credit card, or even take out a second credit card that you only use when you’re out of the country. Here are some cards with favourable overseas spending terms.

Name Product Purchases rate Foreign transaction fee Foreign cash transaction fee Interest-free days on foreign transactions Interest-free days on foreign cash transactions Representative example Link
The NatWest Credit Card (existing customers only)
12.9%
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Check eligibility
View details
The Royal Bank Credit Card (existing customers only)
12.9%
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
Check eligibility
View details
Tymit Credit Card
22.4%
0%
Free up to £200 per month
0 days
0 days
Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.
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View details
Santander All in One Credit Card
0% for 23 months reverting to 18.9%
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).
Check eligibility
View details
Royal Bank of Scotland Reward Black Credit Card (existing customers only)
21.9%
0%
3% (min. £3)
Up to 56 days
0 days
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
Check eligibility
View details
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Compare up to 4 providers

Some digital banks including Curve and Revolut offer alternative ways to get around fees when paying with plastic abroad.

With Curve, for example, you can control multiple cards from your Curve card and app, and even if your card issuer charges exchange fees, Curve will convert the currency for you at the standard Mastercard exchange rate. Just beware that restrictions and limitations do apply – you can read our full guide to find out more.

Curve

Download Curve and save on bank fees

  • All your cards in one Curve Card
  • Curve works in all the countries that support Mastercard
  • Eliminate hidden bank fees when spending abroad
  • Get 1% instant cashback from a choice of retailers
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