Can I use my credit card abroad?

You can use credit and debit cards in most countries as you would in the UK. While some businesses won't accept card payments (just like at home), many will, especially in tourist destinations.

How much does it cost to use a credit card abroad?

Each credit card provider will have different fees and charges relating to spending abroad or making transactions in foreign currencies – and these are likely to vary by the specific card you hold with them. You should make sure you're aware of the specific costs that relate to your card before you head off, which could include; foreign exchange fees, payment exchange rates, and cash withdrawal fees. 

• Foreign exchange fees: When you pay with a credit card in a foreign currency, your credit card provider may charge you a small fee for that transaction.
• Payment exchange rates: Your credit card provider will convert any purchases you make in another currency to pounds using a certain exchange rate – often provided by Visa or Mastercard. Whilst these rates tend to be competitive, you should make sure you factor it into the cost of spending when you’re deciding between different types of payment methods. Sometimes you’ll be offered the chance to pay in pounds abroad by the payment terminal. Although it might mean you don’t incur a foreign transaction fee, the exchange rate might be less favourable, so it’s always best to check.
• Cash withdrawal fees: Some credit card providers will add a fee if you withdraw cash abroad using your credit card at an ATM. Many providers also charge interest on money withdrawn from an ATM from the day you take it out, rather than at the end of your statement period like other transactions.

Making a €100 purchase with your credit
card:

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Withdrawing €100 at an ATM with your credit
card:

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It will typically be cheaper to pay in the local currency when using your credit card abroad, as you’ll usually be given a better exchange rate by your credit card provider than the retailer, even if you’re charged a fee on top. To make the best decision, check the terms and conditions of your credit card or speak to your provider to understand all the costs you’ll face.

Do credit cards automatically convert currency?

If you pay in a local currency with your credit card, your credit card provider will convert that charge into pounds – using an exchange rate given by the payment processor, like Visa or Mastercard. The converted amount that is charged to your account will be shown in pounds on your statement.

Tips for using your card abroad

Follow these helpful tips to make the most out of using a credit card abroad:

Take alternative payment options

It always pays to be prepared. Just in case you can’t make a payment with your credit card or it’s lost, stolen or blocked, you should always have more than one way to pay. This can include a backup credit card, a debit card, a pre-paid travel card, cash in the local currency or a payment app on your phone.

Memorise your details

Make sure you memorise your PIN to prevent your brain from going blank at the worst possible moment. It can help to change your credit card’s PIN to one that’s memorable or meaningful to you.

Check your expiry date

Check the expiry date on your credit card to ensure it’s valid for the duration of your trip. If it’s close to expiring or will do so while you’re away, request a new card from your provider.

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

If you have both credit and debit cards available, which should you use abroad?

First, you should check the charges for each of the cards you’re looking at using abroad.

Your credit card also offers some financial protection that your debit card doesn’t. Section 75 of the Consumer Credit Act 1974 can help you get your money back in some instances if your purchase meets some specific criteria But it only covers credit cards. You can get chargeback protection with debit cards, but this typically covers fewer cases than Section 75.

At Asda Money, we’re here to help

Credit cards can be complicated, but we’re here to help you cut through the confusion so you can use your credit card with confidence. Use our Credit Card Jargon Buster to find clear and simple explanations of any credit card terminology you don’t fully understand.

Leave home with peace of mind, with an Asda Money Credit Card. Plus, you’ll earn Asda Pounds with every purchase you make when you travel, meaning you’ll rack up Asda Rewards even when you’re abroad.

Representative 27.9% APR (variable)

Terms apply. UK residents, 18+, subject to status

Apply for a credit card with Asda Money.

Using a credit card abroad FAQs

Do you get charged for using a credit card abroad?

The charges for using your card abroad will differ depending on your provider and the type of card you have. You may be charged a foreign exchange fee for using your card abroad when the local currency payment is converted into pounds. You may also be charged a cash withdrawal fee for withdrawing cash abroad with your credit card at an ATM.

What is the best way to pay for things abroad?

When you're away from home, you have a range of payment methods to choose from, including credit cards, debit cards, a pre-paid travel card, local currency cash, or a payment app on your phone.

Often, different payment methods are more appropriate in certain settings and for different purchases. It’s important to have multiple payment options available when you’re travelling.