Using your credit card abroad

Can I use my credit card abroad?

Yes, you can use your credit card abroad in the same way you would use it in the UK, whether that be for contactless or chip and pin payments.

Are there charges for using a credit card abroad?

Credit card charges abroad may differ from the usual charges in the UK. Using debit and credit cards abroad can incur currency conversion charges. You may also be charged high fees for ATM withdrawals.

How to prepare for using your credit card abroad

Let your credit card provider know

It’s a good idea to let your bank know of the dates you will be out of the country, to prevent payments abroad being flagged as suspicious. 

Bear in mind that most banks won’t call you directly. You may receive a text message asking for you to contact them. Only ever call the bank’s official contact number which will be written on the back of your credit card.

Find your credit card company’s contact details 

Make a note of your credit card company’s 24 hour helpline number, in case your card is lost or stolen (most major credit card issuers have international numbers they can be reached on from overseas). Carry these details separately from your card.

Check any foreign credit card charges in advance

Knowing the rough cost of any non-sterling transaction fees , currency conversion fees and  interest rates charged on overseas transactions will help you keep track of your spending accurately.

Decide on the best card to use abroad

If you find your current credit card does impose charges, you may consider applying for a credit card that offers more favourable fees and rates while you’re abroad. Similarly, if you have multiple credit cards, find out which one is the best for making foreign transactions. You may decide to get a Sainsbury’s Bank Travel Money Card instead to avoid foreign transaction fees altogether when making card payments.

Advantages of using a credit card abroad?

Convenience 

Credit cards can be an easier way of paying for goods and services than cash or travellers’ cheques.

Safety 

Using credit cards abroad can be a safer method of payment on holiday. With most credit cards recognised around the world, there is no need to carry large sums of cash around with you. 

Purchase protection

Some credit cards offer free protection against loss, theft and accidental damage to items purchased abroad. Bear in mind, cover will vary between providers and limits and excesses apply to such cover.

Tips for using your credit card abroad

Avoid withdrawing cash

Try to avoid withdrawing cash from an ATM using your credit card. You will be charged a fee for taking a cash advance on your card and you will begin to accrue interest immediately.

But, if you find yourself in a situation which means you have to withdraw cash using your credit card, try to take out one large amount instead of making several smaller transactions. This will help to limit the number of charges you’ll receive. 

Pay in the local currency

When paying by card abroad you will often be asked whether you would prefer to pay in Pounds Sterling or in the local currency. Bear in mind that retailers or restaurants often charge a higher conversion rate than the standard bank rate, so it can be a better deal to pay in the local currency.

What to do if your credit card is lost or stolen

If you’re on holiday and your credit card is lost or stolen, contact your card issuer as soon as possible and cancel the missing cards. Replacements will be sent to your home address, usually within five working days.

If you card has been stolen, inform the local police within 24 hours of the theft, or as soon as possible after, and get a written report and reference number.

Advantages of taking a travel money Card abroad

Avoid non-sterling transaction fees

A travel money Card is one of the best cards to take abroad. Spend your holiday money with ease, without having to pay transaction fees when you pay in the local currency with a Sainsbury’s Bank Travel Money Card.

Load with multiple currencies 

You can load up to 15 currencies at one time and use the card just as you would a usual debit or credit card abroad, with contactless, chip and pin or online purchases. You can also withdraw from ATMs around the world without a charge (although ATMs may add their own fee). 

Stay in control with the app

Manage your money from wherever you are with the Sainsbury’s Bank Travel Money App. To get started, all you need to do is load up £50 and you’re good to go.

Do you need cash for your trip?

It can be handy to have a small amount of local currency for your holiday, too. From indulging in an ice-cream or sun lounger on the beach, to paying for public transport, some cash is always useful to have.

Order and collect currency for your holiday from a Sainsbury’s Travel Money bureaux.

If you’re a Nectar member, you can get an even better exchange rate when you buy currency from us*.

It doesn’t matter whether you buy instore, by phone or online. All you have to do is tell us your Nectar account number when you buy.

Not a Nectar member? Just download the Nectar app or register at nectar.com.