Foreign Transactions

Purchases and cash machine withdrawals

If you carry out a transaction using your card in a currency other than sterling, it will be converted to sterling on the day the transaction is processed by our card scheme providers at a wholesale rate of exchange, which may vary daily. For an indication of that exchange rate, you can see the Visa wholesale rate of exchange at www.visaeurope.com/fxcalculator. This is an "indication" because transactions are processed when the retailer passes them on to the scheme provider, which is generally not on the same day the transaction took place.

SWIFT payments

If you are sending money abroad using our SWIFT service, please ask us for the exchange rate you will be offered.

Third party charges

Nationwide continues to offer "commission-free" foreign transactions.

"Commission-free" means that we do not add any additional charges for exchanging currency which are designed to generate profit for the Society. We do, however, pass on any fee we incur from our card scheme providers for processing transactions in certain currencies (generally those outside of the European Economic Area and Turkey and Israel) other than sterling.

The fee is currently 1.00% and it will be included in the sterling amount shown on your statement.

The list below provides details of the countries for which a fee is charged. To check if you will be charged, please search for the country you are visiting by using the A-Z list. Unless stated otherwise a fee will be charged.

If you have any other questions regarding these charges, please phone 08457 30 20 10 or talk to an advisor at one of our branches.

Please note:
From 1 November 2010 we will introduce a commission charge and a cash withdrawal charge for transactions in currencies other than sterling. These will still be among the lowest in the market and will replace the existing 1% fee for transactions made outside the Visa Europe region. For full details please visit the FlexAccount changes section of our website.

Questions & Answers



A-Z list of countries

Please click the letters below to find the country you are visiting and check to see if you'll be charged a fee. Unless stated otherwise a fee will be charged.

  • Afghanistan
    Albania
    Algeria
    America Samoa
    Andorra - No fee charged
    Angola
    Anguilla
    Antarctica
    Antigua and Barbuda
    Argentina
    Armenia
    Aruba
    Australia
    Austria - No fee charged
    Azerbaijan
  • Bahamas
    Bahrain
    Bangladesh
    Barbados
    Bear Islands - No fee charged
    Belarus
    Belgium - No fee charged
    Belize
    Benin
    Bermuda
    Bhutan
    Bolivia
    Bosnia and Herzegovina
    Botswana
    Bouvet Island
    Brazil
    British Indian Ocean Territory
    British Virgin Islands
    Brunei
    Bulgaria - No fee charged
    Burkina Faso
    Burundi
  • Cambodia
    Cameroon
    Canada
    Canary Islands - No fee charged
    Cape Verde Islands
    Cayman Islands
    Central African Republic
    Chad
    Channel Islands - No fee charged
    Chile
    China
    Christmas Island
    Cocos Island
    Colombia
    Comoros
    Congo
    Cook Islands
    Corsica - No fee charged
    Costa Rica
    Croatia
    Cuba
    Cyprus - No fee charged
    Czech Rephublic - No fee charged
  • Denmark - No fee charged
    Dijbouti
    Dominica
    Dominican Republic
  • East Timor
    Ecuador
    Egypt
    El Hierro - No fee charged
    El Salvador
    Equatorial Guinea
    Eritrea
    Estonia - No fee charged
    Ethiopia
  • Faroe Islands - No fee charged
    Falkland Islands - No fee charged
    Fiji
    Finland - No fee charged
    Formentera - No fee charged
    France - No fee charged
    French Guiana - No fee charged
    French Polynesia - No fee charged
    French Southern & Antarctic lands - No fee charged
    Fuerteventura - No fee charged
  • Gabon
    Gambia
    Georgia
    Germany - No fee charged
    Ghana
    Gibraltar - No fee charged
    Gran Canaria - No fee charged
    Greece - No fee charged
    Greenland - No fee charged
    Grenada
    Guadeloupe - No fee charged
    Guam
    Guatemala
    Guinea
    Guinea Bissau
    Guyana
  • Haiti
    Heard and McDonald Islands
    Honduras
    Hong Kong
    Hungary - No fee charged
  • Ibiza - No fee charged
    Iceland - No fee charged
    India
    Indonesia
    Iran
    Iraq
    Ireland - No fee charged
    Israel - No fee charged
    Isle of Man - No fee charged
    Italy - No fee charged
    Ivory Coast
  • Jamaica
    Japan
    Jordan
  • Kazakhstan
    Kenya
    Kerguelen - No fee charged
    Kiribati
    Kosovo
    Kuwait
    Kyrgyzstan
  • La Gomera - No fee charged
    La Graciosa - No fee charged
    La Palma - No fee charged
    Laos
    Lanzarote - No fee charged
    Latvia - No fee charged
    Lebanon
    Lesotho
    Liberia
    Libya
    Liechtenstein - No fee charged
    Lithuania - No fee charged
    Luxembourg - No fee charged
  • Macau
    Macedonia
    Madagascar
    Majorca - No fee charged
    Malawi
    Malaysia
    Maldives
    Mali
    Malta - No fee charged
    Marshall Islands
    Martinique - No fee charged
    Mauritania
    Mauritius
    Mayotte - No fee charged
    Menorca - No fee charged
    Mexico
    Micronesia
    Moldova
    Monaco - No fee charged
    Mongolia
    Montenegro
    Montserrat
    Morocco
    Mozambique
    Myanmar
  • Namibia
    Nauru
    Nepal
    Netherlands - No fee charged
    Netherlands Antilles
    New Caledonia - No fee charged
    New Zealand
    Nicaragua
    Niger
    Nigeria
    Niue Island
    Norfolk Island
    North Korea
    Northern Marina Islands
    Norway - No fee charged
  • Oman
  • Pakistan
    Palau
    Palestine
    Panama
    Papua
    Paraguay
    Peru
    Philippines
    Pitcairn Island
    Poland - No fee charged
    Portugal - No fee charged
    Puerto Rico
  • Qatar
  • Reunion - No fee charged
    Romania - No fee charged
    Russia
    Rwanda
  • Samoa
    San Marino - No fee charged
    Sao Tome and Principe
    Saudi Arabia
    Senegal
    Serbia
    Seychelles
    Sierra Leone
    Singapore
    Slovakia - No fee charged
    Slovenia - No fee charged
    Solomon Islands
    Somalia
    South Africa
    South Georgia and South Sandwich Islands
    South Korea
    Spain - No fee charged
    Sri Lanka
    St Barts (Barths or Barthelemy) - No fee charged
    St Helena
    St Kitts
    St Lucia
    St Martin - No fee charged
    St Pierre and Miquelon - No fee charged
    St Vincent
    Sudan
    Suriname
    Swaziland
    Sweden - No fee charged
    Switzerland - No fee charged
    Syria
  • Taiwan
    Tajikistan
    Tanzania
    Tenerife - No fee charged
    Thailand
    Togo
    Tokelau Island
    Tonga
    Trinidad and Tobago
    Tunisia
    Turkey - No fee charged
    Turkmenistan
    Turks and Caicos Islands
    Tuvalu
  • US Minor Outlying Islands
    US Virgin Islands
    Uganda
    Ukraine
    United Arab Emirates
    United Kingdom - No fee charged
    United States of America
    Uruguay
    Uzbekistan
  • Vanuatu
    Vatican City State - No fee charged
    Venezuela
    Vietnam
  • Wallis and Futuna Islands - No fee charged
    Western Sahara
  • Yemen
    Yugoslavia
  • Zambia
    Zimbabwe