Do I need to let you know that I am leaving the country?
You do not need to tell us if you’re going outside the UK, as we automatically monitor foreign transactions on your account to help protect you. It’s important we have the most up-to-date contact details for you, in case we need to contact you while you’re away. Please ensure that you check we have your correct contact details using the M&S Banking App*, Internet Banking or by calling us on 0345 900 0900.
If you need any help while you’re away, you can contact us in Chat on our app and Internet Banking**. We also recommend that you save our number in your phone (from overseas call +44 (0)1244 879080) in case you cannot access our app. Enjoy your trip!
If you want to take cash on your trip, you can purchase M&S Travel Money on your M&S Credit Card and receive no cash advance fee.
Using your credit card abroad
You can use your M&S Credit Card to pay for goods and services wherever you see the MasterCard logo. You can also withdraw cash (a ‘cash advance’) from cash machines where MasterCard is accepted – fees apply, please see details below. Some cash machine operators may also apply a direct charge for withdrawals from their cash machines and this will be advised on-screen at the time of withdrawal. A £300 daily cash machine withdrawal limit applies to M&S Credit Cards.
Foreign currency transactions – what’s the cost?
When you make a transaction in a foreign currency or cash advance/withdrawal with your M&S Credit Card, rates and fees may be added.
Any foreign currency transactions, including cash advances/withdrawals, are converted to sterling by Mastercard or Visa, using the wholesale market rates applying on the day conversion is made. Check the Mastercard website (M&S Credit Card) for more information on the rate of exchange they use when converting your transaction.
We will deduct the payment and the relevant fees from your account once we receive the details of the payment from MasterCard/Visa. This will usually be within one working day.
| Rate/Fee | Purchases | Cash advance |
|---|---|---|
| Non-sterling transaction fee 2.99% | £2.65 | £2.65 |
| Cash fee 2.99% (minimum £3) | N/A |
£3.00 |
| Rate/Fee | Non-sterling transaction fee 2.99% |
|---|---|
| Purchases | £2.65 |
| Cash advance | £2.65 |
| Rate/Fee | Cash fee 2.99% (minimum £3) |
| Purchases |
N/A |
| Cash advance | £3.00 |
Sterling or local currency?
When you use your M&S Credit Card outside the UK you may be asked if you want to pay in sterling or the local currency.
When you choose local currency you’ll be charged the Visa or Mastercard global rate. If you choose to complete a transaction in sterling the merchant sets the rate. Sterling transactions often have additional commission added to them and therefore may be more expensive than paying in the local currency, even with the fees.
FAQs
*Available on compatible devices