Current Account Switching – Debit Card Charges Abroad

	Overseas debit card charges for PURCHASES	Overseas debit card charges for ATM CASH withdrawals	Scenario A Family Holiday 6 cash withdrawals @ £150 20 Purchases total £1300 Total spend £2200 (currency equivalent) cost of charges =	Scenario B City Break 3 cash withdrawals @ £100 6 Purchases total £350 Total spend £650 (currency equivalent) cost of charges =
Metro Bank (Personal Current account)	No charge	No charge	£0.00	£0.00
Norwich & Peterborough BS (Gold Classic)	No charge	No charge	£0.00	£0.00
Nationwide BS (FlexAccount)	2.00% non-sterling transaction fee	2.00% non-sterling transaction fee plus £1 non-sterling cash fee	£50.00	£16.00
Post Office (Standard Account)	2.75% non-sterling transaction fee	2.75% non-sterling transaction fee plus £1.50 non-sterling cash fee	£69.50	£22.38
First Direct (1st Account)	2.75% exchange rate adjustment	2.75% exchange rate adjustment plus non-sterling cash fee of 2% (min £1.75 max £5.00)	£78.50	£23.88
HSBC (Bank Account)	2.75% exchange rate adjustment	2.75% exchange rate adjustment plus non-sterling cash fee of 2% (min £1.75 max £5.00)	£78.50	£23.88
The Co-operative Bank (Current Account Plus)	2.75% non-sterling transaction fee	2.75% non-sterling transaction fee plus 2% withdrawal fee (min £2)	£78.50	£23.88
NatWest (Select Account)	2.75% Foreign Purchase Fee (min £1)	2.75% non-sterling transaction fee plus foreign cash fee of 2.00% (min £2 and max £5.00)	£78.50	£23.88
Royal Bank of Scotland (Select)	2.75% Foreign Purchase Fee (min £1)	2.75% non-sterling transaction fee plus foreign cash fee of 2.00% (min £2 and max £5.00)	£78.50	£23.88
Barclays (Bank Account)	2.99% non-sterling transaction fee	2.99% non-sterling transaction fee plus £1.50 non-sterling cash fee (not at Barclays ATM)	£74.78	£23.94
Santander (123 Current Account)**	2.75% currency conversion fee plus £1.25 per purchase	2.75% currency conversion fee plus cash withdrawal fee 1.50% (min £1.99)	£99.00	£23.85
Bank of Scotland (Classic)	2.99% non-sterling transaction fee plus £1 non-sterling purchase fee	2.99% non-sterling transaction fee plus foreign cash fee of 1.5% (min £2 and max £4.50)	£99.28	£31.44
Lloyds TSB (Classic)	2.99% non-sterling transaction fee plus £1 non-sterling purchase fee	2.99% non-sterling transaction fee plus foreign cash fee of 1.5% (min £2 and max £4.50)	£99.28	£31.44
Halifax (Reward)	2.75% non-sterling transaction fee plus £1.50 non-sterling purchase fee	2.75% non-sterling transaction fee plus £1.50 non-sterling cash fee	£99.50	£31.38