Don't forget your spending money

0% commission on foreign currency and you don't even have to be a Bank of Ireland UK customer. We now offer 0% commission on all major currencies.

And, when you come home, we’ll also buy back any of your left over notes commission free.

Taking your debit card abroad

Your debit card also allows you to pay for goods and services worldwide wherever you see the Visa sign. It’s just like using your card in shops and cash machines at home and means that you don’t have to travel with large amounts of cash.

Charges will apply when you use your debit card outside the UK.

Charges for using your debit card abroad

When buying goods or services abroad with a debit card, a Non-sterling transaction fee of 2.75% of the transaction amount applies.

When withdrawing cash from cash machines outside the UK and some cash machines in Ireland (excluding Bank of Ireland cash machines), a Non-sterling cash fee of £1.50 applies in addition to the above Non-sterling transaction fee.

The cash machine will give you notice if you are to be charged any additional charges.

Take a look at our example of what costs are involved when using your debit card abroad.
 

Bank of Ireland UK Visa Debit Card

OVERSEAS TRANSACTION PURCHASE CASH WITHDRAWAL
(NON-BANK OF IRELAND CASH MACHINE
OUTSIDE THE UK)
CASH WITHDRAWAL
(BANK OF IRELAND CASH MACHINE IN ROI)
Euros € 100 € 100 € 100
Exchange Rate 0.887578 0.887578 0.900
Sterling Amount £88.76 £88.76 £90
Non-Sterling Transaction Fee £2.44 (2.75%) £2.44 (2.75%) £0
Cash Fee n/a £1.50 £0
Total £91.20 £92.70 £90

Information correct as at 03/06/2019

Rate used for debit card payments in a foreign currency and withdrawing cash in a foreign currency at non-Bank of Ireland cash machines outside the UK:

Visa: £1 = €0.887578

The table above is an illustrative example based on an exchange rate of 0.887578 for Visa on a €100 spend.

The exchange rate used is a sample rate provided by Visa. The actual rate applied will be the daily Visa exchange rate. This is the exchange rate set by Visa, from time to time, as shown, where applicable, on your statement.

Visa exchange rates can be found at www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html. The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

Rate used for Cash Withdrawal (Bank of Ireland cash machine):

Bank of Ireland Group: £1 = €0.9000

The table above is an illustrative example based on an exchange rate of 0.900 on a €100 spend.

The exchange rate is a rate determined by the Bank of Ireland Group. The actual rate applied will be the daily Bank of Ireland Group exchange rate. This is the exchange rate set by Bank of Ireland Group, from time to time, as shown, where applicable, on your statement. The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

The cash machine will give you notice if you are to be charged any additional charges.

Please also refer to your statement for details of any fees that have been applied to your account following use of your card overseas.

For more detail on using your card overseas, please refer to your Terms and Conditions.

General advice

  • The exchange rate applicable for debit card payments in a foreign currency and cash withdrawals in a foreign currency outside the UK at non-Bank of Ireland cash machines is the Visa Exchange Rate operating on the date the transaction is applied to your account. We recommend that you visit www.visaeurope.com/making-payments/exchange-rates for more details of the specific rate applied.
  • If you are planning on travelling abroad you should always take more than one form of payment method, i.e. debit card, credit card, prepaid credit card, cash etc.
  • There may be a reduced daily limit for cash withdrawals in a foreign currency from cash machines on debit cards in certain countries. Please call your branch for details.
Credit cards

A credit card gives you the flexibility and reassurance of having that something extra when you’re on holidays, in case of emergencies or just to pay for that chance of a lifetime opportunity.

Worldwide acceptance makes Mastercard credit cards very convenient. Visit the credit card area of our website and have a look at our full range of cards that offer, balance transfers and no annual fees.

Representative 19.9% APR variable