Using your card abroad

Using your cards abroad, in combination with your Travel Money, gives you more flexibility when managing your holiday money.

A debit card allows you to withdraw cash at ATMs and pay for purchases plus keep a track of your spending via online, mobile or telephone banking.

Credit cards can be useful when purchasing more expensive items because of your rights under the Consumer Credit Act 1975. However please note fees and charges apply

When making a payment or withdrawing cash in a foreign currency (non-Sterling) you may be asked if you want to pay in Sterling or the local currency. By selecting to pay in the local currency, HSBC will make the conversion using the relevant payment scheme exchange rate applied on the day the conversion is made.

Where you choose to make the payment / withdrawal in Sterling, then HSBC will not make any conversion and this will be done by either the retailer or self-service machine owner. Some cash machine owners may apply an additional charge for withdrawals and this will be advised at the time of the withdrawal.

When making a payment or withdrawing cash in a foreign currency (non-Sterling) you may be asked if you want to pay in Sterling or the local currency. By selecting to pay in the local currency, HSBC will make the conversion using the relevant payment scheme exchange rate applied on the day the conversion is made.

Where you choose to make the payment / withdrawal in Sterling then HSBC will not make any conversion and this will be done by either the retailer or self-service machine owner. Some cash machine owners may apply an additional charge for withdrawals and this will be advised at the time of the withdrawal.