{"id":539878,"date":"2024-08-19T10:43:53","date_gmt":"2024-08-19T09:43:53","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=539878"},"modified":"2025-04-15T09:16:39","modified_gmt":"2025-04-15T08:16:39","slug":"disadvantages-debit-card-abroad","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/disadvantages-debit-card-abroad","title":{"rendered":"What are the disadvantages of using a debit card abroad?"},"content":{"rendered":"<p>And breathe\u2026 it\u2019s finally time for sun, sea and relaxation. But do you really need to take a huge wad of cash away with you on holiday or can you rely on your debit card for the trip? <\/p><p>If you\u2019re worried about the disadvantages of using your card abroad, this guide breaks down the pros and cons, as well as how you can avoid any pesky fees.<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li><b>Potential additional fees<\/b>: If using debit card abroad, potential fees can incur, including foreign transaction fees, overseas ATM fees and currency conversions fees.<\/li>\n          <li><b>Some debit cards don\u2019t have additional fees<\/b>: Some providers provide fee-free spending whilst abroad, such as <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\">first direct<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/kroo-review\">Kroo<\/a>.<\/li>\n          <li><b>Debit card provides more security than cash<\/b>: Debit cards tend to provide more security than cash. Your money isn\u2019t protected if your cash is lost or stolen and you should have the same level of protection from your card provider as you do at home<\/li>\n          <li><b>Debit card rewards<\/b>: Possible to still get rewards abroad whilst paying with certain providers<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>Watch out for unwanted fees when using your debit card abroad<\/h3><p>One of the main disadvantages of using your debit card abroad is any extra fees you could be charged by your bank. These include:<\/p><ul><li><strong>Foreign transaction fees.<\/strong> Some banks charge a foreign transaction fee of 2-3% if you use your card outside of the UK. You can avoid this by opting for <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/debit-cards-low-foreign-transaction-fees\">a debit card with no fees<\/a>.<\/li><li><strong>Overseas ATM fees.<\/strong> If you use your debit card to take out cash, your card provider might hit you with an additional charge for withdrawals. Some private ATMs also charge a separate fee for use, so keep an eye out for this.<\/li><li><strong>Currency conversion fees.<\/strong> You may be tempted to pay in pounds instead of the local currency, so you know exactly what you\u2019re shelling out. However, if you do this, you\u2019ll be subject to dynamic currency conversion \u2013 the exchange rate set by the retailer means you get an unfavourable exchange rate. It\u2019s worth double-checking that your payments are in the local currency on your debit card. <\/li><\/ul><h3>Compare debit cards for fee-free spending abroad<\/h3><p>While fees can make it off-putting to use your debit card abroad, many providers don\u2019t charge foreign transaction fees. So, it\u2019s worth considering one of these for your travels rather than avoiding using a debit card completely. <\/p><p>You can switch your current account to a bank that has no fees, or you can open a secondary account to use while abroad. Check out <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/debit-cards-low-foreign-transaction-fees\">our guide on best UK debit cards with no foreign transaction fees<\/a>.<\/p><h4 id=\"compare\">UK debit and prepaid cards from banks with no foreign transaction fees when abroad<\/h4><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"c00136de-37db-40d1-b8c0-abcd4005c8fe\" data-template=\"comparison\" data-niche=\"UKFSA-CUR\" data-site=\"UKFSA-CUR\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"simplefees\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"539878\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-featured-product-id=\"18c3492f-9b22-405e-8408-a15bfa490445\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSA-CUR\",\"fieldset\":\"simplefees\",\"template\":\"comparison\",\"category_id\":\"c00136de-37db-40d1-b8c0-abcd4005c8fe\",\"category_name\":\"highstreetbanksorganic2\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778342241}' data-disable-alternative-products=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"8cdd5b71-04b8-420e-8d5f-a60b78fcd0c7\" data-niche-default-path=\"\/business-banking\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-c00136de-37db-40d1-b8c0-abcd4005c8fe\">5 of 5 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated\n\t\t\t\t\tregularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFSA-CUR\" data-site=\"UKFSA-CUR\" data-table-id=\"2926\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-leadform-modal=\"\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFSA-CUR\",\"fieldset\":\"simplefees\",\"template\":\"comparison\",\"category_id\":\"c00136de-37db-40d1-b8c0-abcd4005c8fe\",\"category_name\":\"highstreetbanksorganic2\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1778342241}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfsa-cur\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"5\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"5e310f044fb2d3e3307c6787bfa23f48f31819d3cf23ccbd1369514046a6c71e\" data-table-record-type=\"product\" data-table-record-ids='[\"0b587806-5d59-4ca1-9254-4d1cb65b2785\",\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\",\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\",\"8c42e2b9-a137-483e-ba81-258ee4774b1a\",\"0635018d-c7f4-4893-a19f-5a3051febf33\"]' data-total-data=\"5\" data-enable-top-filters=\"false\" data-total-product-count=\"5\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.DATAPOINT_BUSINESS_ACCOUNT_FEE\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"account_fee\">\n                                                        Account fee\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature  sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"overseas_cash_withdrawals\">\n                                                        Overseas cash withdrawals\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th class=\"comparison-table__feature  sorter-false  \" data-field-targetable=\"\" data-sorter-title=\"overseas_card_transactions\">\n                                                        Overseas card transactions\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.DATAPOINT_BENEFITS\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom no-padding-top tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"switching_deals_benefits\">\n                                                         Switching deals benefits\n                                                      <svg class=\"luna-icon comparison-table__sortIcon\"><use href=\"#chevron-up-down\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--asc luna-icon\"><use href=\"#arrow-up\"><\/use><\/svg><svg class=\"comparison-table__sortIcon--desc luna-icon\"><use href=\"#arrow-down\"><\/use><\/svg><\/th><th data-ajax-table-sorter-column=\"UKFSA-CUR.PRODUCT.UKFSA_CUR_KEY_BENEFITS_MF_PLAIN\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom no-padding-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                      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}\n\n  \/* &#9472;&#9472; Base pill styles (original compact design) &#9472;&#9472; *\/\n  .rewards-pill {\n    display: inline-flex;\n    align-items: center;\n    gap: 6px;\n    background: linear-gradient(103.63deg, #FFD23B 9.47%, #FFD835 16.17%, #FEDA3D 21.75%, #FEE053 29.57%, #FEEA77 39.61%, #FDF7A9 50.78%, #FDFFC4 56.36%, #FDF8AC 58.59%, #FDEE88 61.94%, #FEE669 65.29%, #FEE052 68.64%, #FEDB41 73.1%, #FED838 77.57%, #FFD835 83.15%, #FFD23B 89.85%);\n    border: 1px solid #E6B40F;\n    border-radius: 4px 20px 20px 20px;\n    padding: 0px 8px 0px 2px;\n    cursor: pointer;\n    position: relative;\n    overflow: visible;\n    transition: filter 0.15s ease;\n    height: 24px;\n    box-sizing: border-box;\n\n    @media (max-width: 600px) {\n      box-shadow: 0 0 24px 0 rgba(255, 210, 59, 0.75);\n    }\n  }\n\n  .rewards-pill__shimmer {\n    position: absolute;\n    top: 0;\n    left: 0;\n    right: 0;\n    width: 100%;\n    height: 100%;\n    border-radius: 4px 20px 20px 20px;\n    overflow: hidden;\n    pointer-events: none;\n  }\n\n  .rewards-pill__shimmer::after {\n    content: '';\n    position: absolute;\n    top: 0;\n    width: 50%;\n    height: 100%;\n    background: linear-gradient(\n      90deg,\n      transparent 0%,\n      rgba(255, 255, 255, 0.5) 50%,\n      transparent 100%\n    );\n    animation: rewards-pill-shimmer 4s infinite;\n  }\n\n  .rewards-pill__icon {\n    z-index: 2;\n    display: flex;\n    align-items: center;\n    flex-shrink: 0;\n    position: relative;\n  }\n\n  .rewards-pill__icon-svg {\n    width: 44px;\n    height: 27.75px;\n    overflow: visible;\n  }\n\n  .rewards-pill__star {\n    position: absolute;\n    z-index: 4;\n    opacity: 0;\n    pointer-events: none;\n    width: 22px;\n    height: 22px;\n    top: 55%;\n    left: 3%;\n    margin-top: -19px;\n    margin-left: -6px;\n    animation: rewards-pill-star-rotate 4s infinite;\n  }\n\n  .rewards-pill__text {\n    font-size: 16px;\n    font-style: italic;\n    font-weight: 900;\n    text-transform: uppercase;\n    letter-spacing: 0px;\n    color: #092673;\n    z-index: 1;\n    line-height: 24px;\n    white-space: nowrap;\n  }\n\n  \/* &#9472;&#9472; New design overrides (data-show-tc=\"true\") &#9472;&#9472; *\/\n  .rewards-pill[data-show-tc=\"true\"] {\n    padding: 0px 10px 0px 4px;\n    border-radius: 4px 32px 32px 32px;\n    height: 38px;\n    align-items: center;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__shimmer {\n    border-radius: 4px 32px 32px 32px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__icon-svg {\n    width: 68px;\n    height: 48px;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__star {\n    top: 0;\n    left: 0;\n    margin-top: 0;\n    margin-left: 0;\n  }\n\n  .rewards-pill[data-show-tc=\"true\"] .rewards-pill__text {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 900;\n    font-style: italic;\n    font-size: 16px;\n    line-height: 18px;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #092673;\n    white-space: nowrap;\n    text-transform: none;\n  }\n\n  .rewards-pill__content {\n    display: flex;\n    flex-direction: column;\n    justify-content: center;\n    z-index: 1;\n    height: 100%;\n    padding: 2px 0;\n    box-sizing: border-box;\n  }\n\n  .rewards-pill__tc {\n    font-family: 'Modern Era', Arial, Helvetica, sans-serif;\n    font-weight: 400;\n    font-style: normal;\n    font-size: 10px;\n    line-height: 130%;\n    letter-spacing: 0;\n    text-align: center;\n    font-variant-numeric: lining-nums tabular-nums;\n    text-decoration: underline;\n    text-decoration-style: solid;\n    color: #092673;\n    white-space: nowrap;\n  }\n\n  .rewards-pill__tc:hover {\n    opacity: 0.8;\n  }\n\n  @keyframes rewards-pill-shimmer {\n    0% {\n      transform: translateX(100%);\n    }\n    20% {\n      transform: translateX(-100%);\n    }\n    100% {\n      transform: translateX(-100%);\n    }\n  }\n\n  @keyframes rewards-pill-star-rotate {\n    0% {\n      opacity: 0;\n      transform: rotate(0deg) scale(0);\n    }\n    5% {\n      opacity: 1;\n      transform: rotate(45deg) scale(1);\n    }\n    15% {\n      opacity: 1;\n      transform: rotate(135deg) scale(1);\n    }\n    20% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n    100% {\n      opacity: 0;\n      transform: rotate(180deg) scale(0);\n    }\n  }\n\n  \/* Rewards Pill Countdown - wrapper layout for countdown + pill *\/\n  .rewards-pill-wrapper:has(.rewards-pill-countdown:not([hidden])) {\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      flex-direction: row;\n      gap: 10px;\n      margin-bottom: 6px;\n    }\n\n    @media (max-width: 600px) {\n      flex-direction: column;\n      gap: 12px;\n    }\n  }\n\n  .rewards-pill-countdown[hidden] {\n    display: none !important;\n  }\n\n  .rewards-pill-countdown {\n    font-family: 'Modern Era', Arial, sans-serif;\n    font-weight: 800;\n    font-size: 12px;\n    line-height: 100%;\n    letter-spacing: -0.025em;\n    font-variant-numeric: lining-nums tabular-nums;\n    color: #232320;\n    white-space: nowrap;\n    display: flex;\n    align-items: center;\n\n    @media (min-width: 601px) {\n      order: -1;\n    }\n\n    @media (max-width: 600px) {\n      justify-content: center;\n      margin-bottom: 8px;\n    }\n  }\n\n  .rewards-pill-countdown__timer {\n    display: inline;\n  }\n\n  .rewards-pill-countdown__sep {\n    margin: 0 1px;\n  }\n\n<\/style><tr data-product-id=\"0b587806-5d59-4ca1-9254-4d1cb65b2785\" data-provider-id=\"83cae5b3-dd0d-43c0-9732-d62cdaf18112\" data-product-name=\"Santander Edge\" data-provider-name=\"Santander\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-9  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-current-account-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6644747f17600.png\" alt=\"Santander logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6644747f17600.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6644747f17600.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6644747f17600.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6644747f17600.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6644747f17600.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-current-account-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Santander Edge<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_business_account_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fee\">\n                        \u00a33 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_atm_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas cash withdrawals\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for cash withdrawal in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                              bottom-order-3\n                                                                                 sorter-false\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas card transactions\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Earn \u00a3180 when you complete a full switch, set up 2 household Direct Debits and pay in \u00a31.5k within 60 days. Offer can be withdrawn at any time. T&amp;Cs\/eligibility apply.<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/santander-edge-current-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22simplefees%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c00136de-37db-40d1-b8c0-abcd4005c8fe%22%2C%22category_name%22%3A%22highstreetbanksorganic2%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778342241%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22Santander%2BEdge%22%2C%22product_id%22%3A%220b587806-5d59-4ca1-9254-4d1cb65b2785%22%2C%22offer_id%22%3A%2222709%22%2C%22post_id%22%3A%22539878%22%2C%22post_path%22%3A%22current-accounts%252Fdisadvantages-debit-card-abroad%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Santander Edge\">        Go to site    <\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-current-account-review\" class=\"comparison-table__more-button\" title=\"Read more about Santander Edge\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0b587806-5d59-4ca1-9254-4d1cb65b2785\" value=\"0b587806-5d59-4ca1-9254-4d1cb65b2785\" name=\"productID\" _productname=\"                            Santander EdgeCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"0b587806-5d59-4ca1-9254-4d1cb65b2785\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0b587806-5d59-4ca1-9254-4d1cb65b2785\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\" data-provider-id=\"9a6f2149-3d31-4773-afb0-5e54d6ddac12\" data-product-name=\"Revolut Standard\" data-provider-name=\"Revolut\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-9  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png\" alt=\"Revolut logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66ed2c54aa4ab.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Revolut Standard<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_business_account_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fee\">\n                        Free\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_atm_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas cash withdrawals\">\n                        2% <span class=\"table-popover\" rel=\"popover\" data-content=\"A currency fee of 2%, minimum \u00a31 applies to ATM cash withdrawals in a foreign currency outside the UK.  Standard plan users can withdraw a total of \u00a3200 each month, or make a total of 5 ATM withdrawals each month (whatever comes first).   After which there is a 2% charge (\u00a31 min.)\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                              bottom-order-3\n                                                                                 sorter-false\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas card transactions\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Get a \u00a320 welcome bonus when you spend your first \u00a320 (T&amp;Cs apply)<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/revolutstandard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22simplefees%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c00136de-37db-40d1-b8c0-abcd4005c8fe%22%2C%22category_name%22%3A%22highstreetbanksorganic2%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778342241%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%222%22%2C%22product_name%22%3A%22Revolut%2BStandard%22%2C%22product_id%22%3A%220e1b011e-99ac-4d72-83d0-94c3433afbc2%22%2C%22offer_id%22%3A%2221270%22%2C%22post_id%22%3A%22539878%22%2C%22post_path%22%3A%22current-accounts%252Fdisadvantages-debit-card-abroad%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Revolut Standard\">        Go to site    <\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\" class=\"comparison-table__more-button\" title=\"Read more about Revolut Standard\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0e1b011e-99ac-4d72-83d0-94c3433afbc2\" value=\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\" name=\"productID\" _productname=\"                            Revolut Standard            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"0e1b011e-99ac-4d72-83d0-94c3433afbc2\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0e1b011e-99ac-4d72-83d0-94c3433afbc2\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" data-provider-id=\"d6e38f30-245c-4f36-8654-5f6a652c1ddd\" data-product-name=\"Monzo Current Account\" data-provider-name=\"Monzo\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png\" alt=\"Monzo logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/64aff909cef99.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Monzo Current Account<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_business_account_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fee\">\n                        Free\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_atm_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas cash withdrawals\">\n                        3%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                              bottom-order-3\n                                                                                 sorter-false\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas card transactions\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Monzo Instant Access Savings Pot earns you 2.75% AER interest (variable), paid monthly into the Pot you create<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22simplefees%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c00136de-37db-40d1-b8c0-abcd4005c8fe%22%2C%22category_name%22%3A%22highstreetbanksorganic2%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778342241%22%2C%22position%22%3A%223%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22offer_id%22%3A%2225676%22%2C%22post_id%22%3A%22539878%22%2C%22post_path%22%3A%22current-accounts%252Fdisadvantages-debit-card-abroad%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Monzo Current Account\">        Go to site    <\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\" class=\"comparison-table__more-button\" title=\"Read more about Monzo Current Account\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" value=\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\" name=\"productID\" _productname=\"                            Monzo Current AccountCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"5be67640-ad1c-47c1-a0e7-3c44987b4ea2\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-5be67640-ad1c-47c1-a0e7-3c44987b4ea2\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"8c42e2b9-a137-483e-ba81-258ee4774b1a\" data-provider-id=\"b4d555d3-3acb-4f3b-8f64-781bc31b15eb\" data-product-name=\"Hilton Honors Debit Card\" data-provider-name=\"Currensea\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hilton-honors-debit-card-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6712204718a02.png\" alt=\"Currensea logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6712204718a02.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6712204718a02.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6712204718a02.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6712204718a02.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6712204718a02.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hilton-honors-debit-card-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Hilton Honors Debit Card<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_business_account_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fee\">\n                        \u00a360\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_atm_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas cash withdrawals\">\n                        0.5%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                              bottom-order-3\n                                                                                 sorter-false\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas card transactions\">\n                        0.5%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Earn up to 10,000 Bonus Points when you spend \u00a32,500 in foreign currency within 6 months of getting your Card. Terms apply.<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/hilton-honors-by-currensea-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22simplefees%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c00136de-37db-40d1-b8c0-abcd4005c8fe%22%2C%22category_name%22%3A%22highstreetbanksorganic2%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778342241%22%2C%22position%22%3A%224%22%2C%22product_name%22%3A%22Hilton%2BHonors%2BDebit%2BCard%22%2C%22product_id%22%3A%228c42e2b9-a137-483e-ba81-258ee4774b1a%22%2C%22offer_id%22%3A%2226449%22%2C%22post_id%22%3A%22539878%22%2C%22post_path%22%3A%22current-accounts%252Fdisadvantages-debit-card-abroad%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Hilton Honors Debit Card\">        Go to site    <\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/hilton-honors-debit-card-review\" class=\"comparison-table__more-button\" title=\"Read more about Hilton Honors Debit Card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-8c42e2b9-a137-483e-ba81-258ee4774b1a\" value=\"8c42e2b9-a137-483e-ba81-258ee4774b1a\" name=\"productID\" _productname=\"                            Hilton Honors Debit Card            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"8c42e2b9-a137-483e-ba81-258ee4774b1a\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-8c42e2b9-a137-483e-ba81-258ee4774b1a\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"0635018d-c7f4-4893-a19f-5a3051febf33\" data-provider-id=\"83cae5b3-dd0d-43c0-9732-d62cdaf18112\" data-product-name=\"Santander Edge Up\" data-provider-name=\"Santander\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-9  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-up-review\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png\" alt=\"Santander logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6392ef0d65d59.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-up-review\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Santander Edge Up<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body generic-badge__body hasPopover\" data-content=\"\" data-html=\"true\"><span class=\"badge-text\">Cashback<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                            first-row\n                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfsa-cur.product.datapoint_business_account_fee\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Account fee\">\n                        \u00a35 per month\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                         sorter-false\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_atm_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas cash withdrawals\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for cash withdrawal in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                rounded-bottom-right\n                                                                                                                                                                                                                                                              bottom-order-3\n                                                                                 sorter-false\" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_student_overseas_fees\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Overseas card transactions\">\n                        0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom no-padding-bottom\" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukfsa-cur.product.ukfsa_cur_key_benefits_mf_plain\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg><div>Earn \u00a3180 when you complete a full switch, set up 2 household Direct Debits and pay in \u00a31.5k within 60 days. Offer can be withdrawn at any time. T&amp;Cs\/eligibility apply.<\/div><\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-3 bottom-order-4\"><div class=\"comparison-table__cellWrapper\"><style>  .comparison-table td.comparison-table__cta [data-heading]:before { display: none; }<\/style><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/santander-edge-up-current-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22fieldset%22%3A%22simplefees%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22c00136de-37db-40d1-b8c0-abcd4005c8fe%22%2C%22category_name%22%3A%22highstreetbanksorganic2%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221778342241%22%2C%22position%22%3A%225%22%2C%22product_name%22%3A%22Santander%2BEdge%2BUp%22%2C%22product_id%22%3A%220635018d-c7f4-4893-a19f-5a3051febf33%22%2C%22offer_id%22%3A%2223370%22%2C%22post_id%22%3A%22539878%22%2C%22post_path%22%3A%22current-accounts%252Fdisadvantages-debit-card-abroad%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta\" title=\"Apply now for the Santander Edge Up\">        Go to site    <\/a><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/santander-edge-up-review\" class=\"comparison-table__more-button\" title=\"Read more about Santander Edge Up\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-0635018d-c7f4-4893-a19f-5a3051febf33\" value=\"0635018d-c7f4-4893-a19f-5a3051febf33\" name=\"productID\" _productname=\"                            Santander Edge UpCashback            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":null,\"badges\":[],\"productId\":\"0635018d-c7f4-4893-a19f-5a3051febf33\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-0635018d-c7f4-4893-a19f-5a3051febf33\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><script>\n(function () {\n  window.isInfoBoxMutationObserverInitialized ??= false;\n  if (window.isInfoBoxMutationObserverInitialized) return;\n  window.isInfoBoxMutationObserverInitialized = true;\n\n  document.addEventListener(\"DOMContentLoaded\", () => {\n    function getLinkParams(anchor) {\n      const redirectUrl =\n        anchor.getAttribute(\"data-redirect-url\") || anchor.href || \"\";\n\n      try {\n        const url = new URL(redirectUrl);\n        const rawParams = url.searchParams.get(\"redirect_tracking_params\");\n\n        if (!rawParams) return;\n        const decoded = decodeURIComponent(rawParams);\n        const parsed = JSON.parse(decoded);\n        const { offer_id, niche_code, site, product_name, product_id } = parsed;\n\n        return {\n          redirectUrl,\n          offerId: offer_id,\n          niche: niche_code || site,\n          productName: product_name,\n          productId: product_id,\n        };\n      } catch (e) {\n        console.error(\"Failed to parse redirect_tracking_params\", e);\n      }\n    }\n\n    function initCountdownTimer(rewardsProduct, endDateStr) {\n      const countdownEl = rewardsProduct.querySelector(\".deals-countdown\");\n      \n      if (!countdownEl || !endDateStr) return;\n\n      const daysEl = countdownEl.querySelector(\"[data-countdown-days]\");\n      const hoursEl = countdownEl.querySelector(\"[data-countdown-hours]\");\n      const minutesEl = countdownEl.querySelector(\"[data-countdown-minutes]\");\n      const secondsEl = countdownEl.querySelector(\"[data-countdown-seconds]\");\n\n      let countdownInterval;\n\n      const updateCountdown = () => {\n        const now = new Date().getTime();\n        const endTime = new Date(endDateStr).getTime();\n        const distance = endTime - 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It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3>Should you take cash or use your card when travelling abroad?<\/h3><p>There\u2019s no simple answer \u2013 whether you opt for cash or card depends on your personal preferences and how you like to travel. <\/p><h3>Pros and cons of using cash<\/h3><p>Cash can be a reassuring option. You can budget a fixed amount to take with you (although you do risk running out if you treat yourself a little too often). You\u2019ll also have notes to hand for any places that don\u2019t take card payments or prefer cash. <\/p><p>However, it\u2019s not always the most secure option. You don\u2019t have any protection if your cash is lost or stolen, and you could become a target if you carry a lot on your person.<\/p><h3>Pros and cons of using a debit card<\/h3><p>A debit card offers convenience and better security. Most shops and restaurants around the world will accept Mastercard or Visa debit cards so you can just tap and go. Plus, you can use your card to take out cash from an ATM if you do need it.<\/p><p>You can also freeze your card if it\u2019s lost or stolen, and you should have the same level of protection from your bank as you do at home.<\/p><p>The main disadvantage of using your debit card abroad is that fees often apply \u2013 as we explain in more detail below. Plus, some vendors such as taxis or small local restaurants may prefer or only accept cash, so you could be stuck if you don\u2019t have any. <\/p><p>If you\u2019re still undecided, you might decide to opt for a mix of both \u2013 using your card for main spending, but a bit of cash as a backup. <\/p><h3>Debit card vs credit card when spending abroad<\/h3><p>You might also consider using a credit card rather than a debit card when travelling overseas. Some credit cards offer rewards or cashback on spending, which may be a nice boost to your planned holiday spending. It also lets you spread the cost of your travel over time.<\/p><p>However, credit cards also come with associated fees for spending abroad, and these could be higher than your debit card depending on the provider. Plus, some credit cards such as Amex are only accepted in certain locations. <\/p><h3>Bottom line<\/h3><p>The biggest disadvantage of using a debit card abroad is the extra fees you could end up paying. These can be easily avoided by opting for a debit card with no fees for withdrawals or transactions. If you\u2019re still unsure whether to use cash or card, it can\u2019t hurt to have a mix of options available to you.<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><\/p>","protected":false},"excerpt":{"rendered":"<p>If you\u2019re worried about the disadvantages of using your card abroad, this guide breaks down the pros and cons. <\/p>\n","protected":false},"author":1312,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-539878","post","type-post","status-publish","format-standard","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are the disadvantages of using a debit card abroad? 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