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Cross Border Payments Regulation (CBPR)

How can I compare the currency conversion charges when I use my card in the European Economic Area (EEA)1?

Currency conversion charges explained

When you use your card in the European Economic Area (EEA), you may be able to choose to pay in the local currency or in pounds sterling. If you decide to pay in pounds, you'll pay a currency conversion charge. This is set by the cash machine you're using or the shop or restaurant you're paying. If you choose to pay in the local currency, we'll do the conversion for a fee.

What this means for you

The conversion charge depends on the currency you're paying in and the card you're using. All parties must publish their currency conversion charges as a percentage mark-up over the 'reference rate' last issued by the European Central Bank (ECB). You can see our current mark-ups for each EEA currency in the tables on this page. You can use these to compare our rates with other providers.

How to find the right rate for you

First choose whether you want to find our mark-up for taking money out of a cash machine or making a card payment in an EEA currency. This could be paying in a shop or restaurant, for example.

Then follow these steps:

  1. Go to the relevant table.
  2. Find the local currency.
  3. Look up the percentage for your type of card.

You can check on the front of your card if you're not sure what type you have. It will tell you if it's a debit or credit card and if it's issued by Visa or Mastercard. 

The lower the percentage, the lower the mark-up. If the rate is lower than the most recently published ECB reference rate it will be prefixed with a minus symbol.

Our current rates for using your card in the EEA

Last updated on: 18/05/2022, 12:05

Personal Card

Using a cash machine

Currency VISA debit card for Premier or Advance VISA debit card for Bank Account VISA credit card Mastercard debit card for Premier or Advance Mastercard debit card for Bank Account Mastercard credit card
EURO 3.20% 5.21%  6.44% 3.44%  5.45% 6.69%
Bulgarian Lev (BGN) 4.39% 6.42%  7.67%  4.70%  6.74% 7.99%
Croatian Kuna (HRK) 4.21% 6.24% 7.49% 4.76% 6.80% 8.06%
Czech Korona (CZK) 3.28% 5.30% 6.53% 4.77% 6.81% 8.06%
Danish Krone (DKK) 3.20% 5.21% 6.45% 3.44% 5.46% 6.69%
Hungarian Forint (HUF) 4.50% 6.53% 7.78% 4.51% 6.55% 7.80%
Icelandic Króna (ISK) 4.03% 6.05% 7.30% 3.66% 5.68% 6.92%
Swiss Franc (CHF) 3.49% 5.50% 6.74% 3.49% 5.51% 6.75%
Norwegian Krone (NOK) 3.46% 5.47% 6.71% 3.39% 5.40% 6.64%
Polish Zloty (PLN) 3.29% 5.30% 6.54% 4.74% 6.78% 8.03%
Romanian Lei (RON) 4.46% 6.49% 7.74% 4.75% 6.79% 8.05%
Swedish Krona (SEK) 3.02% 5.03% 6.26% 3.04% 5.05% 6.28%

Using a cash machine

Currency EURO
VISA debit card for Premier or Advance 3.20%
VISA debit card for Bank Account 5.21% 
VISA credit card 6.44%
Mastercard debit card for Premier or Advance 3.44% 
Mastercard debit card for Bank Account 5.45%
Mastercard credit card 6.69%
Currency Bulgarian Lev (BGN)
VISA debit card for Premier or Advance 4.39%
VISA debit card for Bank Account 6.42% 
VISA credit card 7.67% 
Mastercard debit card for Premier or Advance 4.70% 
Mastercard debit card for Bank Account 6.74%
Mastercard credit card 7.99%
Currency Croatian Kuna (HRK)
VISA debit card for Premier or Advance 4.21%
VISA debit card for Bank Account 6.24%
VISA credit card 7.49%
Mastercard debit card for Premier or Advance 4.76%
Mastercard debit card for Bank Account 6.80%
Mastercard credit card 8.06%
Currency Czech Korona (CZK)
VISA debit card for Premier or Advance 3.28%
VISA debit card for Bank Account 5.30%
VISA credit card 6.53%
Mastercard debit card for Premier or Advance 4.77%
Mastercard debit card for Bank Account 6.81%
Mastercard credit card 8.06%
Currency Danish Krone (DKK)
VISA debit card for Premier or Advance 3.20%
VISA debit card for Bank Account 5.21%
VISA credit card 6.45%
Mastercard debit card for Premier or Advance 3.44%
Mastercard debit card for Bank Account 5.46%
Mastercard credit card 6.69%
Currency Hungarian Forint (HUF)
VISA debit card for Premier or Advance 4.50%
VISA debit card for Bank Account 6.53%
VISA credit card 7.78%
Mastercard debit card for Premier or Advance 4.51%
Mastercard debit card for Bank Account 6.55%
Mastercard credit card 7.80%
Currency Icelandic Króna (ISK)
VISA debit card for Premier or Advance 4.03%
VISA debit card for Bank Account 6.05%
VISA credit card 7.30%
Mastercard debit card for Premier or Advance 3.66%
Mastercard debit card for Bank Account 5.68%
Mastercard credit card 6.92%
Currency Swiss Franc (CHF)
VISA debit card for Premier or Advance 3.49%
VISA debit card for Bank Account 5.50%
VISA credit card 6.74%
Mastercard debit card for Premier or Advance 3.49%
Mastercard debit card for Bank Account 5.51%
Mastercard credit card 6.75%
Currency Norwegian Krone (NOK)
VISA debit card for Premier or Advance 3.46%
VISA debit card for Bank Account 5.47%
VISA credit card 6.71%
Mastercard debit card for Premier or Advance 3.39%
Mastercard debit card for Bank Account 5.40%
Mastercard credit card 6.64%
Currency Polish Zloty (PLN)
VISA debit card for Premier or Advance 3.29%
VISA debit card for Bank Account 5.30%
VISA credit card 6.54%
Mastercard debit card for Premier or Advance 4.74%
Mastercard debit card for Bank Account 6.78%
Mastercard credit card 8.03%
Currency Romanian Lei (RON)
VISA debit card for Premier or Advance 4.46%
VISA debit card for Bank Account 6.49%
VISA credit card 7.74%
Mastercard debit card for Premier or Advance 4.75%
Mastercard debit card for Bank Account 6.79%
Mastercard credit card 8.05%
Currency Swedish Krona (SEK)
VISA debit card for Premier or Advance 3.02%
VISA debit card for Bank Account 5.03%
VISA credit card 6.26%
Mastercard debit card for Premier or Advance 3.04%
Mastercard debit card for Bank Account 5.05%
Mastercard credit card 6.28%

Making a purchase e.g. in a shop or restaurant

Currency VISA debit card VISA credit card Mastercard debit card Mastercard credit card
EURO 3.20% 3.44% 3.44% 3.68%
Bulgarian Lev (BGN) 4.39% 4.63% 4.70% 4.95%
Croatian Kuna (HRK) 4.21% 4.46% 4.76% 5.01%
Czech Korona (CZK) 3.28% 3.53% 4.77% 5.01%
Danish Krone (DKK) 3.20% 3.44% 3.44% 3.68%
Hungarian Forint (HUF) 4.50% 4.74% 4.51% 4.76%
Icelandic Króna (ISK) 4.03% 4.27% 3.66% 3.91%
Swiss Franc (CHF) 3.49% 3.73% 3.49% 3.73%
Norwegian Krone (NOK) 3.46% 3.70% 3.39% 3.63%
Polish Zloty (PLN) 3.29% 3.53% 4.74% 4.98%
Romanian Lei (RON) 4.46% 4.70% 4.75% 5.00%
Swedish Krona (SEK) 3.02% 3.26% 3.04% 3.28%

Making a purchase e.g. in a shop or restaurant

Currency EURO
VISA debit card 3.20%
VISA credit card 3.44%
Mastercard debit card 3.44%
Mastercard credit card 3.68%
Currency Bulgarian Lev (BGN)
VISA debit card 4.39%
VISA credit card 4.63%
Mastercard debit card 4.70%
Mastercard credit card 4.95%
Currency Croatian Kuna (HRK)
VISA debit card 4.21%
VISA credit card 4.46%
Mastercard debit card 4.76%
Mastercard credit card 5.01%
Currency Czech Korona (CZK)
VISA debit card 3.28%
VISA credit card 3.53%
Mastercard debit card 4.77%
Mastercard credit card 5.01%
Currency Danish Krone (DKK)
VISA debit card 3.20%
VISA credit card 3.44%
Mastercard debit card 3.44%
Mastercard credit card 3.68%
Currency Hungarian Forint (HUF)
VISA debit card 4.50%
VISA credit card 4.74%
Mastercard debit card 4.51%
Mastercard credit card 4.76%
Currency Icelandic Króna (ISK)
VISA debit card 4.03%
VISA credit card 4.27%
Mastercard debit card 3.66%
Mastercard credit card 3.91%
Currency Swiss Franc (CHF)
VISA debit card 3.49%
VISA credit card 3.73%
Mastercard debit card 3.49%
Mastercard credit card 3.73%
Currency Norwegian Krone (NOK)
VISA debit card 3.46%
VISA credit card 3.70%
Mastercard debit card 3.39%
Mastercard credit card 3.63%
Currency Polish Zloty (PLN)
VISA debit card 3.29%
VISA credit card 3.53%
Mastercard debit card 4.74%
Mastercard credit card 4.98%
Currency Romanian Lei (RON)
VISA debit card 4.46%
VISA credit card 4.70%
Mastercard debit card 4.75%
Mastercard credit card 5.00%
Currency Swedish Krona (SEK)
VISA debit card 3.02%
VISA credit card 3.26%
Mastercard debit card 3.04%
Mastercard credit card 3.28%

John Lewis Partnership Card

Using a cash machine

Currency Partnership Card Credit Card
EURO 5.96%
Bulgarian Lev (BGN) 7.25%
Croatian Kuna (HRK) 7.31%
Czech Korona (CZK) 7.32%
Danish Krone (DKK) 5.96%
Hungarian Forint (HUF) 7.06%
Icelandic Króna (ISK) 6.19%
Swiss Franc (CHF) 6.01%
Norwegian Krone (NOK) 5.91%
Polish Zloty (PLN) 7.29%
Romanian Lei (RON) 7.30%
Swedish Krona (SEK) 5.55%

Using a cash machine

Currency EURO
Partnership Card Credit Card 5.96%
Currency Bulgarian Lev (BGN)
Partnership Card Credit Card 7.25%
Currency Croatian Kuna (HRK)
Partnership Card Credit Card 7.31%
Currency Czech Korona (CZK)
Partnership Card Credit Card 7.32%
Currency Danish Krone (DKK)
Partnership Card Credit Card 5.96%
Currency Hungarian Forint (HUF)
Partnership Card Credit Card 7.06%
Currency Icelandic Króna (ISK)
Partnership Card Credit Card 6.19%
Currency Swiss Franc (CHF)
Partnership Card Credit Card 6.01%
Currency Norwegian Krone (NOK)
Partnership Card Credit Card 5.91%
Currency Polish Zloty (PLN)
Partnership Card Credit Card 7.29%
Currency Romanian Lei (RON)
Partnership Card Credit Card 7.30%
Currency Swedish Krona (SEK)
Partnership Card Credit Card 5.55%

Making a purchase e.g. in a shop or restaurant

Currency Partnership Card Credit Card
EURO 3.44% 
Bulgarian Lev (BGN) 4.70%
Croatian Kuna (HRK) 4.76%
Czech Korona (CZK) 4.77%
Danish Krone (DKK) 3.44%
Hungarian Forint (HUF) 4.51%
Icelandic Króna (ISK) 3.66%
Swiss Franc (CHF) 3.49%
Norwegian Krone (NOK) 3.39%
Polish Zloty (PLN) 4.74%
Romanian Lei (RON) 4.75%
Swedish Krona (SEK) 3.04%

Making a purchase e.g. in a shop or restaurant

Currency EURO
Partnership Card Credit Card 3.44% 
Currency Bulgarian Lev (BGN)
Partnership Card Credit Card 4.70%
Currency Croatian Kuna (HRK)
Partnership Card Credit Card 4.76%
Currency Czech Korona (CZK)
Partnership Card Credit Card 4.77%
Currency Danish Krone (DKK)
Partnership Card Credit Card 3.44%
Currency Hungarian Forint (HUF)
Partnership Card Credit Card 4.51%
Currency Icelandic Króna (ISK)
Partnership Card Credit Card 3.66%
Currency Swiss Franc (CHF)
Partnership Card Credit Card 3.49%
Currency Norwegian Krone (NOK)
Partnership Card Credit Card 3.39%
Currency Polish Zloty (PLN)
Partnership Card Credit Card 4.74%
Currency Romanian Lei (RON)
Partnership Card Credit Card 4.75%
Currency Swedish Krona (SEK)
Partnership Card Credit Card 3.04%

Business Card

Using a cash machine

Currency VISA debit card VISA credit card
EURO 4.71% 6.44%
Bulgarian Lev (BGN) 5.91% 7.67%
Croatian Kuna (HRK) 5.73% 7.49%
Czech Korona (CZK) 4.79% 6.53%
Danish Krone (DKK) 4.71% 6.45%
Hungarian Forint (HUF) 6.02% 7.78%
Icelandic Króna (ISK) 5.54% 7.30%
Swiss Franc (CHF) 5.00% 6.74%
Norwegian Krone (NOK) 4.97% 6.71%
Polish Zloty (PLN) 4.80% 6.54%
Romanian Lei (RON) 5.98% 7.74%
Swedish Krona (SEK) 4.53% 6.26%

Using a cash machine

Currency EURO
VISA debit card 4.71%
VISA credit card 6.44%
Currency Bulgarian Lev (BGN)
VISA debit card 5.91%
VISA credit card 7.67%
Currency Croatian Kuna (HRK)
VISA debit card 5.73%
VISA credit card 7.49%
Currency Czech Korona (CZK)
VISA debit card 4.79%
VISA credit card 6.53%
Currency Danish Krone (DKK)
VISA debit card 4.71%
VISA credit card 6.45%
Currency Hungarian Forint (HUF)
VISA debit card 6.02%
VISA credit card 7.78%
Currency Icelandic Króna (ISK)
VISA debit card 5.54%
VISA credit card 7.30%
Currency Swiss Franc (CHF)
VISA debit card 5.00%
VISA credit card 6.74%
Currency Norwegian Krone (NOK)
VISA debit card 4.97%
VISA credit card 6.71%
Currency Polish Zloty (PLN)
VISA debit card 4.80%
VISA credit card 6.54%
Currency Romanian Lei (RON)
VISA debit card 5.98%
VISA credit card 7.74%
Currency Swedish Krona (SEK)
VISA debit card 4.53%
VISA credit card 6.26%

Making a purchase e.g. in a shop or restaurant

Currency VISA debit card VISA credit card
EURO 3.20% 3.44%
Bulgarian Lev (BGN) 4.39% 4.63%
Croatian Kuna (HRK) 4.21% 4.46%
Czech Korona (CZK) 3.28% 3.53%
Danish Krone (DKK) 3.20% 3.44%
Hungarian Forint (HUF) 4.50% 4.74%
Icelandic Króna (ISK) 4.03% 4.27%
Swiss Franc (CHF) 3.49% 3.73%
Norwegian Krone (NOK) 3.46% 3.70%
Polish Zloty (PLN) 3.29% 3.53%
Romanian Lei (RON) 4.46% 4.70%
Swedish Krona (SEK) 3.02% 3.26%

Making a purchase e.g. in a shop or restaurant

Currency EURO
VISA debit card 3.20%
VISA credit card 3.44%
Currency Bulgarian Lev (BGN)
VISA debit card 4.39%
VISA credit card 4.63%
Currency Croatian Kuna (HRK)
VISA debit card 4.21%
VISA credit card 4.46%
Currency Czech Korona (CZK)
VISA debit card 3.28%
VISA credit card 3.53%
Currency Danish Krone (DKK)
VISA debit card 3.20%
VISA credit card 3.44%
Currency Hungarian Forint (HUF)
VISA debit card 4.50%
VISA credit card 4.74%
Currency Icelandic Króna (ISK)
VISA debit card 4.03%
VISA credit card 4.27%
Currency Swiss Franc (CHF)
VISA debit card 3.49%
VISA credit card 3.73%
Currency Norwegian Krone (NOK)
VISA debit card 3.46%
VISA credit card 3.70%
Currency Polish Zloty (PLN)
VISA debit card 3.29%
VISA credit card 3.53%
Currency Romanian Lei (RON)
VISA debit card 4.46%
VISA credit card 4.70%
Currency Swedish Krona (SEK)
VISA debit card 3.02%
VISA credit card 3.26%

About our rates

If you decide to pay in local currency, the conversion will be done at the rates applied by Visa or Mastercard. We update these tables regularly. 

The mark-ups shown may differ from the actual currency conversion charge applied to your payment.

Visa and Mastercard use the exchange rate on the day the transaction is processed. This date may be different to the day you ask us to make the payment.

This means the actual percentage mark-up could be higher or lower than the rate shown in our tables.

ECB, Visa and Mastercard rates may also change between updates to the tables. This is beyond our control, so please treat the our tables as indicative only.

1European Economic Area where you can pay in currency includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Iceland, Ireland, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, the Netherlands, Poland, Portugal, Romania, Spain, Slovakia, Slovenia and Sweden.

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