Image of a airplane wing from inside whilst flying

Using your debit card abroad

If you’re planning to travel abroad and use your Al Rayan Bank debit card, find out more about ATM withdrawal and purchase costs*.

*Overseas transactions can take 2-3 days to process, so the final exchange rate applied to them may be slightly different

Travelling overseas

There are many benefits of using your Al Rayan Bank debit card abroad, especially if you do not want to carry large amounts of cash around with you.  However, it is important that you are fully aware of any costs that you may incur when using your debit card overseas.

There is a £1.50 charge to withdraw cash using an Al Rayan Bank debit card from an ATM outside the UK.  However, Al Rayan Bank does not charge for debit card purchases overseas.

Current exchange rate and charge information

Currency of exchange European Central Bank Rate MasterCard Rate Al Rayan Bank mark-up over MasterCard Rate Total Mark-up over ECB Rate
EUR 1.13872 1.13433 0.0% 0.39%
HUF 438.75044 434.31053 0.0% 1.02%
PLN 5.33547 5.29855 0.0% 0.70%
RON 5.62584 5.58162 0.0% 0.79%
SEK 12.76732 12.72004 0.0% 0.37%

Rates supplied by MasterCard on: 27 March 2023

The table above should be used as a guide only. Rates are updated once a day on business days and are subject to change. The final exchange rate applied may differ as MasterCard may use the exchange rate effective on the day the transaction is processed, as opposed to when the transaction occurred.

Comparison of transaction costs

100 EURO Transaction

Converted Amount

100 EURO with Conversion

Total

Making purchases abroad (including when you are being refunded

£88

£0

£88

Withdrawing cash from any ATM abroad

£88

£0

£88

* There is a £1.50 fee if you withdraw cash from an ATM whilst overseas, this will show as a separate item on your statement.

Security and fraud information

If you plan to travel outside the UK, please let us know the following information:

  • Where you are travelling
  • When you are travelling and the duration of the stay
  • Update your contact numbers, including any temporary numbers that you may be contacted on  

If you are planning to visit the USA and intend to use your Al Rayan Bank card, please contact us in advance.

Find out more about overseas card restrictions

For Independent Advice about using my cards abroad please visit Money Advice Service or the UK Cards Association.

Debit card, lock and keyboard, symbolising security

Fraud and security

The threat from fraudsters is continually evolving. The best way to tackle these threats is to ensure you are always aware of them and how they work.

Find out more