Can I use my UK debit card in Belgium?

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.

Can I use an UK debit card in Belgium?

You can take your debit card abroad, but some account types have non-sterling transaction fees. Select your account type to find out more.

Do you get charged for using a UK debit card abroad?

If you use your debit card abroad or pay in a currency that's not sterling, we'll charge you a 2.75% or 2.99% (see above) non-sterling transaction fee. This includes cash withdrawals in a foreign currency outside the UK, debit card payments in a foreign currency, refunds and shopping online on a non-UK website.

Is it better to get euros or use a debit card?

Lots of people will give you a lot of advice around getting the best rates but personally, using your debit card (if there is no transaction fee) often wins because of ease, security (less cash on you) and the rates are usually comparable to exchange rates elsewhere anyway.

Is it better to use a debit or credit card abroad?

Credit cards are likely to remain more widely accepted than debit cards, especially cross-border. However, withdrawing money from ATMs abroad and the currency exchange associated with international transfers are often much cheaper with a debit card than with a credit card.

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What is the cheapest way to use a card abroad?

When using your card abroad, paying in the local currency is usually the cheaper option, as the exchange rate offered by the retailer is often less favourable than those offered by Visa or Mastercard. You can now compare our currency conversion charges for card transactions in euro and other EEA currencies.

Is it cheaper to get euros from an ATM?

The quickest and often cheapest way to get cash while travelling abroad is directly from an ATM. But using an ATM abroad may be risky if you're not familiar with how exchange rates work. For instance, airport ATMs and exchange bureaus, while convenient, tend to offer higher fees than most.

Should I tell my bank I'm going abroad?

It's not essential, but it helps our fraud detection systems to know in advance that you're travelling abroad. Find out how to get it at How do I get the mobile banking app?

What is the best way to pay for things in Europe?

What's the best way to pay for things in Europe? A mix of euro cash, prepaid travel cards, and credit/debit cards works best. Use euro cash for small purchases, tips, and rural areas. Travelex Travel Money Cards lock in exchange rates and offer security.

What are the disadvantages of using a debit card abroad?

How to avoid debit card fees abroad?

There are a few ways to reduce the costs of using a bank card abroad. One way is to make sure you plan how often you want to draw cash from ATMs. If you do it less frequently you can limit the cost of withdrawing cash abroad. Try not to withdraw cash on your credit card, unless you have a specialist fee-free card.

Should I just use my debit card abroad?

Debit cards are widely accepted and give you instant access to your bank account. But most have hidden charges for payments or cash withdrawals abroad, which can quickly add up. Always check with your bank to see if your debit card is fee-free. Credit cards are also widely accepted.

Is it better to use cash or card in Belgium?

Belgian currency:

Many shops and restaurants in Brussels accept credit cards, but not all. It is, therefore, recommended that you either ask before you order or ensure you have enough in cash to cover the bill. Most shops and restaurants do not accept €200 or €500 notes.

Which bank doesn't charge foreign transaction fees?

Discover® Bank

Discover doesn't charge foreign ATM network or foreign transaction fees. But Discover card acceptance can be limited outside of the U.S., Canada, Mexico and some Caribbean nations. With an HSBC Premier Checking account, customers pay no foreign transaction fees. HSBC also has a worldwide network of ATMs.

What cards are accepted in Belgium?

Local businesses have adopted new technologies to make it easy for tourists to spend money, so you should have no problems using your credit card in Belgium. UK debit and credit cards with Visa and Mastercard are widely accepted, and you may be able to use your American Express card in some areas.

What card is free to use abroad from the UK?

TSB, Bank of Scotland, Lloyds and Halifax all offer premium current accounts, which are fee-free to spend and withdraw from abroad but which charge a flat monthly fee instead.

Where can I buy euros without a fee?

Your bank or credit union

Banks and credit unions are often the best places to exchange currency before a trip, especially if you're an account holder. Major banks typically offer currency exchange services at lower fees than currency exchange kiosks, and some banks may even waive fees for premium account holders.

How do you tell your bank you're traveling?

Contact your bank before you leave, call your bank to let them know that you'll be traveling. They'll usually ask for your destination, the dates of your trip, and the type of card you'll be using.

What's the best debit card to use abroad?

The standard debit card that comes with a Starling Bank current account is a great choice for overseas spending and ATM withdrawals. It charges no fees for either, wherever you are in the world. ¹ And there are no fees to open/maintain an account, or to order a card.

Can I use my Barclays debit card abroad for free?

We'll charge you a 2.99% non-sterling transaction fee when you use your debit card to pay for something, take out cash or get a refund. Visa will convert payments into sterling using its exchange rate on the day it processes your transaction, which may be a different day from when you made it.

Is Monzo or Revolut better abroad?

Choosing between a Revolut and Monzo account comes down to the features you want to better manage your money. Both are expanding their offerings for 2025, but if you want an account with international payment features and investment and savings options, then explore Revolut's plans.

Can I use an UK debit card in Europe?

Using your debit card abroad. You can use your debit card to spend or withdraw cash worldwide. Just use it in the same way you do at home, wherever you see the Visa symbol. We convert card transactions into pounds using the Visa exchange rate.

Should I leave my debit card at home when traveling?

Bring a backup payment method.

In case something happens to your debit card, pack at least one alternate payment method, such as a credit card. Of course, you might also bring a credit card or another payment method—and leave the debit card at home—if a debit card isn't in the cards for your travel plans.

How to pay abroad without fees?

Option 2: Travel debit cards. You can also get debit cards that don't charge 'non-sterling transaction fees'. Here, you usually need to apply for a new bank account.