Using your M&S Debit or Credit Card abroad

Before you leave the country

Let us know if you’re going abroad. You can do this by contacting us on 0345 900 0900 (from overseas call +44 1244 879080). We automatically monitor foreign transactions on your account to help protect you – so letting us know will significantly reduce the chances of your card transaction being referred or declined.

We recommend that you save our numbers in your phone, so you can contact us if you need any help while you’re away. It’s also important to make sure we have the most up-to-date contact details, in case we need to contact you while you’re abroad.

Using your M&S Credit Card

You can use your M&S Credit Card to pay for goods and services wherever you see the MasterCard logo. You can also withdraw cash (a ‘cash advance’) from cash machines where MasterCard is accepted – fees apply, please see details below. Some cash machine operators may also apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal. A £300 daily cash machine withdrawal limit applies to M&S Credit Cards.

Using your M&S Debit Card

You can use your M&S Debit Card to pay for goods and services wherever Visa is accepted. You can also withdraw cash from over 1.2 million cash machines worldwide, wherever Visa is accepted – fees apply, please see details below. Some cash machine operators may also apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal. A £500 daily cash machine withdrawal limit applies to M&S Debit Cards.

Foreign currency transactions – what’s the cost?

When you make a transaction in a non-sterling currency (foreign currency) or cash advance/withdrawal with your M&S Bank card, rates and fees may be added.

Any non-sterling (foreign currency) transactions, including cash advances/withdrawals, are converted to sterling by MasterCard or Visa, using the wholesale market rates applying on the day conversion is made. Check the MasterCard website (M&S Credit Card) and the Visa website (M&S Debit Card) for more information on the rate of exchange they use when converting your transaction.

We will deduct the payment and the relevant fees from your account once we receive the details of the payment from MasterCard/Visa. This will usually be within one working day.

M&S Credit Card

For example, if you made a non-sterling (foreign currency) transaction of €100 using your M&S Credit Card and applied the MasterCard exchange rate on 6 June 2016 of 1.272535 = £78.58, the following fees would be added:

Rate/Fee Purchases Cash advance
Non-sterling transaction fee 2.99% £2.35 £2.35
Cash fee 2.99% (minimum £3) N/A £3.00

M&S Debit Card

For example, if you made a non-sterling (foreign currency) transaction of €100 using your M&S Debit Card and applied the Visa exchange rate on 6 June 2016 of 1.28442 = £77.86, the following fees would be added:

Rate/Fee Purchases Cash advance
Non-sterling transaction fee 2.75% £2.14 £2.14

Making a transaction in sterling

You may choose to make a transaction abroad in sterling. If you do this, the conversion rate will be agreed with the shopkeeper, or displayed on the ATM screen, at the time of the transaction. This will be shown as a sterling amount on your statement.

FAQs

Will I be charged a non-sterling transaction fee?

A non-sterling transaction fee is a currency conversion fee for making a purchase or withdrawing cash in a foreign currency. For debit card transactions, a fee of 2.75% of the sterling amount of the transaction will be charged. For credit card transactions, a fee of 2.99% of the sterling amount of the transaction will be charged. This will be shown as a separate line on your statement.

Will I be charged a non-sterling cash fee?

A non-sterling cash fee is a charge for using an ATM abroad to withdraw foreign currency. We do not charge this fee for M&S Bank Debit Card withdrawals. For advances from an ATM using an M&S Credit Card, we will apply a non-sterling cash fee of 2.99%, minimum £3.

Will I be charged an ATM withdrawal fee?

This is a charge from the ATM provider for using their machine. This will be advised on the screen at the time of withdrawal.

Important documents

M&S Banking Terms And Conditions

M&S Credit Card Terms And Conditions

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