Using your Vanquis Visa Card abroad

Using your Vanquis Visa Card abroad

Your Vanquis Visa Card is accepted at millions of retail outlets in more than 200 countries and territories. 

Making purchases abroad 

You can use your Vanquis Visa Card in over 24 million shops, takeaways, restaurants and other merchants throughout the world, everywhere you see the Visa sign.

In some countries, you may be asked to sign a receipt rather than enter your PIN to authorise a purchase.  Your signature on the receipt will be checked against the one on the back of your Vanquis Visa Card, so always sign the reverse of your Vanquis Visa Card as soon as you receive it.

When you use your Vanquis Visa Card to make a non-sterling transaction we will charge you a fee of 2.99% of the amount of any non-sterling transaction (known as the Non-Sterling Transaction Fee).  You will see this referred to in your Credit Card Agreement as ‘Foreign Transaction Fee’.

You will incur a Non-Sterling Transaction Fee if you buy something in a currency other than Sterling, even if you physically make the purchase in the UK. For example, this could happen if you bought something online from a non-UK website in, for example, US Dollars.

The exchange rate on which this Non-Sterling Transaction Fee will be calculated is set by Visa and will be the exchange rate on the date the transaction is processed which may be different from the date of the actual transaction.  To see the current and historic rates visit www.visaeurope.com  and click on the Cardholders section.

The table below shows the cost of making a non-sterling transaction using the Vanquis Visa Card on 9th September 2012.

Original Transaction - Purchase

€100

€250

€500

Exchange Rate

1.1859

1.1859

1.1859

Amount in Sterling £

£84.32

£210.81

£421.61

Non-Sterling Transaction Fee

£2.52

£6.30

£12.61

Final Statement Amount

£86.84

£217.11

£434.22

Rates shown applied on the 9th September 2012

 

Withdrawing cash abroad

You can use your Vanquis Visa Card to withdraw cash from over 2 million cash machines worldwide - everywhere you see the Visa sign.  If you withdraw cash abroad, it will be in the local currency of the country you’re visiting, so there’s no need for you to queue at a foreign exchange counter.

In respect of each Cash Transaction (any withdrawal of cash from a cash machine, or financial institution, displaying the Visa sign; or purchases of currency and cash related transactions, such as purchases of travellers cheques, money orders and money transfers including directly to your personal bank account; or gambling transactions) we will charge a fee of 3% of the Cash Transaction amount or £3, whichever is the greater (known as the Cash Fee).  This will show on your monthly statement as ‘Cash Advance Fee’; in your annual statement and in your Credit Card Agreement as ‘Cash Transaction Fee’). You will also be charged a Non-Sterling Transaction Fee for each Cash Transaction. 

Please be aware that interest on a Cash Transaction is charged from the date transactions are applied to your account until payment is received.  There is no interest-free period on Cash Transactions. You’ll need to take into account any other restrictions when withdrawing cash, such as daily cash withdrawal limit. Please see your Credit Card Agreement for more information.

You should also be aware that some cash machine operators may apply a direct charge for withdrawals from their machines and this will be advised on screen at the time of the transaction.

The table below shows the cost of withdrawing cash abroad using the Vanquis Visa Card on 9th September 2012.  Exchange rates fluctuate every day.  To find out what the rate is on a certain day, visit www.visaeurope.com and click on the Cardholder section.

Original Transaction - Cash

€100

€250

€500

Exchange Rate

1.1859

1.1859

1.1859

Amount in Sterling £

£84.32

£210.81

£421.61

Non-Sterling Transaction Fee

£2.52

£6.30

£12.61

Cash Fee

£3.00

£6.32

£12.65

Final Statement Amount

£89.84

£223.43

£446.87

Rates shown applied on the 9th September 2012

 

Update your contact details

If you are going to be travelling overseas please make sure we have your up to date mobile phone number so that we can contact you if we spot any unusual transactions.

Visa Payment Scheme Exchange Rate

All transactions made in a foreign currency (including Cash Transactions) are converted to Sterling using the Visa Payment Scheme Exchange Rate. 

The table below shows each type of transaction using your Vanquis Visa Card and the charges applicable.

 

Transaction

 

 

Charges

 

 

Purchases made outside of the UK (purchases in shops or restaurants abroad).

 

 

We will charge a Non-Sterling Transaction Fee   (2.99% of amount of the transaction).

 

 

Purchases made in a foreign currency (online or telephone transactions) made in or outside of the UK.

 

 

We will charge a Non-Sterling Transaction Fee (2.99% of the amount of the transaction).

 

 

Cash withdrawals or the purchase of currency or travellers cheques outside of the UK

(this includes gambling transactions and the purchase of lottery tickets).

 

 

We will charge a Non-Sterling Transaction Fee (2.99% of the amount of the transaction) and we will also charge a Cash Fee (3% of the Cash Transaction amount or £3 whichever is greater).

 

^ Credit Cards are not suitable for long-term borrowing or financing existing debt.

 

* To be considered for a credit limit increase, please keep all your credit agreements in order by paying on time, making use of your existing credit limit without going over your limit, and not taking on too much debt elsewhere. This is only a guide and meeting these criteria does not guarantee you a credit limit increase.

 

Important: Credit is subject to: status; telephone contact; confirmation of name and address; not already holding a credit card issued by Vanquis Bank; no reasonable suspicion of fraud, and is only available to UK residents who are at least 18 years of age and are not legally restricted from obtaining credit e.g.because of bankruptcy. Please read the Summary Box and Terms and Conditions for full financial details.

 

Vanquis Visa Card is issued by Vanquis Bank Limited. Vanquis Bank can be contacted at its registered office, which is at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 02558509 England. VAT number 180555952. Vanquis Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 221156).

 

© Vanquis Bank Limited 2014