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Travel Smart
Spend abroad like you do in the UK
- Use your card abroad to pay or withdraw cash and you won’t pay our foreign exchange fees.
- Add it before you go for £7 a week and see how much you could save.
- Use for up to six weeks a year on single or multiple trips.
You cannot add Travel Smart to a Silver, Gold, Platinum or Premier account as we won't charge our debit card fees when you use your debit card for these accounts at home or abroad.
Travel Smart only applies to our charges. You may still have to pay separate charges for currency conversion if you ask the overseas service provider to do this.
For example, if you choose to pay with your card in Pounds Sterling, you may incur a currency conversion charge by the overseas provider.
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1. Log on, select more actions followed by Account Information and Benefits.
2. Scroll down and select Travel then click on Add Travel Smart.
3. Select the account you want to add Travel Smart to.
4. Add your trip name and select a future start date (in the next 12 months).
5. Select the number of weeks you want to add Travel Smart for from the drop down.
6. Select Review and then check your order details.
7. Accept our terms and conditions then select Confirm and add now.
Getting started in our app
Let’s look at the details
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Full payment will be taken on your start date and shown on your statement.
If you’ve opted in, you’ll get a push notification before you travel so you know when Travel Smart is due to start. You can manage your push notification settings in the app. If you don’t get push notifications, we’ll send you a text message. You can keep your mobile number up to date in the app.
Please check there’s enough money in your account to cover the payment. If we can’t take the payment due to insufficient funds, Travel Smart will get cancelled.
When it starts and ends
It starts on the date you select at 00.01am UK time. It ends at 11:59pm UK time on the last day of your week(s).
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Our debit card fees
Depending on the way you use your card, there are different debit card fees that you may have to pay. With Travel Smart added on your account for £7 a week, we won’t charge these fees for your selected weeks (up to 6 weeks a year) when you use your debit card for that account abroad.
These debit card fees are:
- A foreign currency transaction fee (2.99%)
- A foreign currency purchase fee (£0.50)
- A foreign currency cash fee (£1.50)
- A foreign cash fee (£1.50)
Find out more about these fees and when they are charged.
We won’t charge our debit card fees on transactions or withdrawals at home or abroad where a Silver, Gold, Platinum and Premier current account debit card has been used. We won’t charge the foreign currency purchase fee, the foreign currency cash fee or the foreign cash fee for debit card transactions in Euro within the EEA or UK.
Here’s an example of what the debit card fees would be if you are a customer holding a UK (not Channel Islands) Classic current account, with and without Travel Smart, and using your card abroad. This example assumes you do not ask the cash machine or terminal provider to convert the transaction into pounds.
Pound sterling equivalent of transactions made in local currency
Euro within in EEA or UK
Rest of world
Pound sterling equivalent of transactions made in local currency
£20 spending each day for a week
Euro within in EEA or UK
£4.20
Rest of world
£7.70
Pound sterling equivalent of transactions made in local currency
£200 cash withdrawal once in a week
Euro within in EEA or UK
£5.98
Rest of world
£7.48
Pound sterling equivalent of transactions made in local currency
Total weekly cost without Travel Smart
Euro within in EEA or UK
£10.18
Rest of world
£15.18
Pound sterling equivalent of transactions made in local currency
Weekly Cost of Travel Smart
Euro within in EEA or UK
£7
Rest of world
£7
Pound sterling equivalent of transactions made in local currency
Saving by using Travel Smart
Euro within in EEA or UK
£3.18
Rest of world
£8.18
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Understanding my weeks
Each year, you can add up to six weeks of Travel Smart to your account. This limit is applied from 1 January 00.01am UK time and resets on 31 December at 11.59pm. Unused weeks do not carry over.
How to use my weeks
Each time you book a trip, you can add one or more weeks to your account (up to six).
Track my weeks
We show you a summary of your trips and how many weeks you’ve booked, including any upcoming weeks.
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Once Travel Smart is added, you can use your debit card to:
- Make payments with your debit card abroad.
- Take out money in a foreign currency or sterling at an ATM or over the counter, outside the UK, Channel Islands or Isle of Man.
- Make payments in a foreign currency for your trip over the internet (such as booking an activity).
- You won’t have to pay our normal debit card fees unless the transaction is excluded. Instead, we will charge you a fixed fee, for the number of weeks you choose no matter how many transactions you make with Travel Smart.
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Any business transactions are excluded from this service and our normal debit card fees will apply.
Travel Smart only applies to our charges. You may still have to pay separate charges for currency conversion if you ask the overseas service provider to do this. For example, if you choose to pay with your card in Pounds Sterling, you may incur a currency conversion charge by the overseas provider. Also some ATM providers may charge a fee.
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- You can remove Travel Smart until 11:59pm on the day before your start date. You can do this through our app and Internet Banking. If you have a joint account, either of you can do this.
- If you’re within your 14 day cancellation period, you can still remove Travel Smart after it starts. This period starts on the day you get your terms and conditions. You’ll get a refund for any weeks you’ve paid for but can’t use (please refer to your terms and conditions).
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