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Your VISA debit card

Your VISA debit card

Using your card abroad

You have access to multiple currencies with just one card and can shop at tens of millions of merchants Worldwide, wherever you see the Visa symbol.

With a Citi Visa Debit Card you can spend like a local

With a Citi Visa Debit Card you can spend like a local

Before you travel

Extensive fraud monitoring is carried out by Citi to ensure the security of your accounts and your payment may be declined if we suspect suspicious activity. To reduce the chance of this happening call us before you travel.

Ensure your details are up to date

Make sure we have your current mobile number and global roaming is enabled in case we need to contact you while you are away. It's best to check with your carrier provider any charges you may incur for receiving calls or texts abroad.

Check your Card Linkage

Ensure you're not charged unnecessary fees by checking your card is linked to the correct account before you travel. You can check your card linkage under 'Customer Services' on Citi Online or calling us on 0800 00 55 00.

Tips whilst travelling

Maximise the benefit of your Citi Visa Debit Card by taking advantage of some useful thngs to remember before you travel

Use Citi ATMs
The 2.75% Commission as well as the 2% Charge are both waived for transactions at Citi ATMs, anywhere in the world. Find the location of Citi-operated ATMs worldwide

Avoid Overseas Fees
Avoid overseas fees when transacting in USD or EUR by linking your card to your US Dollar or Euro Current Account. You can then withdraw funds and make purchases using your Citi Visa Debit Card in either Dollars or Euros when overseas fee free. Details about overseas transaction fees and when they apply are available on the Fees and Charges page

Dynamic Currency Conversion
Some shops, restaurants and ATMs abroad now offer a service called Dynamic Currency Conversion, or DCC. This means that when paying by card you are given the option of either paying in the local currency, which will debit your account using the exchange rate offered by your card company - or having the transaction converted into your home currency there and then by the shop or restaurant. You should always consider how the exchange rate offered compares with alternative methods. If you are unsure, you may wish to pay the bill in the local currency.

Daily Withdrawal Limits
Standard daily cash withdrawal limits apply when you are travelling overseas. So, if you have a gold Citi card you may withdraw up £1000 GBP or if you have a blue Citi card, you may withdraw up to £500 GBP, or equivalent if withdrawing foreign currency. If you have a Citi account in the currency of the country you are travelling to you can avoid additional charges by linking your Citi Visa Debit Card to the account. To do this simply call CitiPhone on 0800 00 55 00.

Foreign Currency Accounts
If you are considering opening a foreign currency account you can find out more information here. Please note, when making deposits into your foreign currency account, if the funds are in a different currency to the currency of the account these will be subject to conversion at the relevant exchange rate on that day.

Cross Currency Transactions
Cross-currency transactions - for example, using a Citi UK GBP account to withdraw Euros when travelling in Europe - will attract a "double" conversion. The currency will first be converted into US Dollars and then converted from US Dollars into the currency of the account. Please contact us if you require further information. We can also ensure before travelling that your Citi Visa Debit Card is linked to the most appropriate Citi account or you can do this yourself via Citi Online.

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Advantages and disadvantages of using your card overseas

Maximise the benefit of your Citi Visa Debit Card by taking advantage of some useful thngs to remember before you travel

Advantages

Use 24 / 7
Your Citi Visa Debit Card gives you complete access to your accounts and control over your finances, 24 hours a day, 365 days a year.

Worldwide acceptance
You can use your Citi Visa Debit Card wherever you see the Visa symbol, or to withdraw money at any Visa or LINK cash machine in the UK and overseas.

Confidence
Increased confidence that your Visa Debit Card will be accepted for a payment of any size anywhere in the world by telephoning us prior to travel. We can check the settings on your card to ensure you can spend exactly as you wish to when travelling.

Security
Extensive fraud monitoring is carried out by Citi to ensure the security of your accounts. On the rare occasions that your Visa Debit Card suffers fraudulent activity, you will be fully reimbursed and, in many cases, the funds placed back into your account within 24 hours.

One card, many accounts
Your Citi Visa Debit Card is used to access all of your Citi UK accounts.  You can ensure that the card is linked to the account you wish to use by calling us anytime on 0800 00 55 00.

Disadvantages

Purchase protection
The Citi Visa Debit Card does not include Purchase Protection (which commonly protects new purchases against damage and theft up to 100 days after purchase). This insurance is more commonly associated with a credit card.

Debit cards are not subject to Section 75 of Consumer Credit Act 1974
Under Section 75 of the Consumer Credit Act 1974, customers who have a claim against a supplier for breach of contract or misrepresentation will generally have an equal claim against the issuer of their credit card (if the card was used to purchase the item in question). Debit cards are not subject to this.

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Fees and Charges

The following table may help you decide how to make payments when travelling overseas (please note that currency conversions change frequently over the course of the day. The following example relates to the currency conversion applied at 5.30pm on 3 June 2013 only):

GBP Current Account Euro Current Account
(If transferring Sterling into this account. you would be required to transfer £87.56 in order to fund the account with €100)*
Transaction currency: Euros Euros
Transaction size: (in currency of transaction) €100 €100
Purchases
Purchase Amount in currency of account £85.98 €100
2.75% commission £2.36 N/A
Total debit (in currency of account) £88.34 €100 (equating to £87.56)
Cash Withdrawals
Non-Citi ATM
Withdrawal amount £85.98 €100
2.75% commission £2.36
2% Charge (Minimum £2. Maximum £5. if applicable) Total debit (in currency of account) Citi ATM £2.00 0
Total debit (in currency of account) £90.34 €100 (equating to £87.56)
Citi ATM
Withdrawal amount £86.20 €100
Total debit (in currency of account) £86.20 €100 (equating to £87.56)

Visa exchange rates apply to point-of-sale debit card transactions abroad (e.g. when paying for something in a store). Visa exchange rates also apply if you are making a withdrawal abroad from a non-Citi-operated ATM.

Making a withdrawal on your Citi Visa Debit Card from a Citi-operated ATM abroad is subject to Citi exchange rates. A Citi exchange rate calculator is not currently available.

For further information regarding our foreign currency accounts, their use and making the most of their benefits, please see our ‘International’ pages on this website. Alternatively, you can call us on 0800 00 55 00.

Our International Account options

* Please note, when making deposits into your foreign currency account from a Sterling account, these funds will be subject to conversion at the relevant exchange rate at that particular time on that day. If you transferred Sterling into a Euro account at 5:30pm on 3 June 2013 (as per above examples), you would have been required to transfer £87.56 in order to place €100 in the Euro account. The exact amount of Sterling you would be required to transfer would change over the course of the day as market currency conversion rates change frequently.

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Glossary

We have included a glossary below of terms used in relation to using your Citi Visa Debit Card abroad.

TERM Definition How item is described in Citi collateral
Dynamic Currency Conversion (DCC) Some ATMS and retailers abroad (including shops and restaurants) offer a service called Dynamic Currency Conversion. This means that, when paying by card, you are given the option to pay in the local currency or having the transaction converted into your home currency then and there by the shop or restaurant. If you choose to pay in the local currency, your account will be debited using the exchange rate offered by your card company. If you choose to pay in your home currency, the retailer will set the exchange rate. Paying in local currency can be useful for knowing exactly how much will appear on your statement. However, you should be aware that the exchange rate used by the retailer may not be as competitive as the rate offered by your card company. If you are in any doubt, ask to pay the bill in the local currency. Remember to keep your receipts and check against your statement once you return to the UK. Dynamic Currency Conversion (DCC)
Visa payment Scheme Exchange Rate The base exchange rate used in the settlement of the transaction between Issuer and Scheme. Visa's exchange rate
Exchange Rate Adjustment The margin added, by certain Issuers, to the scheme rate in order to arrive at the exchange rate quoted as the reference exchange rate to the cardholder. 2.75% Commission
Foreign Cash Fee An additional fee applied to non-Sterling cash withdrawal made abroad from a Sterling account. 2% Charge / International ATM Fee (Minimum £2, Maximum £5)
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Useful Links

You can access Visa’s website to check historic exchange rates that have been applied in the last 12 months. Their currency calculator tool can be used to find the rate Visa used on the day your transaction was processed. You may wish to use this to get an indication of the rate you may receive when using your Citi Visa Debit Card abroad in future.

For impartial information on the use of cards abroad please take a look at the UK Cards Association website.