Online banking

Online banking

Showing results for 
Search instead for 
Did you mean: 

Credit Cards

What do I need to know before using my Tesco Bank Credit Card abroad?

Don't worry, there is no need to contact Tesco Bank and inform us that you are going abroad. Your credit card will automatically work in shops and cash machines just like it does in the UK.

Read more about our international fees, charges and security.

Some other things to consider:

  • Check your credit card to make sure it doesn’t expire while you’re abroad.
  • Take more than one card with you in case you lose your card or it becomes damaged.
  • Make sure you have our overseas contact telephone number with you (+44 1268 508027). 
  • If you are using your card online when you are abroad, you may experience a delay in receiving the code we send to your phone to check its you making the purchase.

  • Consider setting up a direct debit or standing order to cover any payments due while you’re away. Find out more about paying your credit card in our existing FAQ.
  • Make sure we have your up-to-date contact details including your mobile telephone number.
  • If your cards are registered with a card protection agency, ensure you have their contact telephone number and policy number with you.
  • If you or an additional cardholder buy foreign currency from Tesco Travel Money with your Tesco Bank Credit Card, either through our website or at an in-store bureau, this will be treated as a purchase transaction. If you buy foreign currency or traveller's cheques from any other seller, this will be treated as a cash advance which will incur fees and charges.
  • Don’t let your card out of your sight, especially when making purchases in restaurants and bars. 
  • Familiarise yourself with your PIN before travelling and don’t give your PIN or Online Banking security details to anyone – even if they claim to be from the police or your
    card company.
  • Shield your PIN with your free hand when typing it into a keypad in a shop or at a cash machine.
  • Should you lose your card, you can block your card permanently or temporarily via the mobile app. For more info please see our lost and stolen FAQ.
  • Should you block your PIN whilst abroad, you are unable to unblock it using a foreign ATM

When you get back  

  • Check your credit card statements carefully for unfamiliar transactions. 
  • If there are any, report them to us as soon as possible on 0345 300 4278*.

*This number may be included as part of any inclusive call minutes provided by your phone operator.

Hi, do I need to notify you before using my card abroad? I'm going to USA.

Hi @Pigmy no you don't need to contact us before you go abroad, have fun in the USA!

What are the foreign transaction rates when using card abroad

Hello @Cmulcahy01

When using your card abroad there is a 2.75% foreign transaction fee applied. I have included a link that will give you more information regarding using your credit card abroad. I have also included a link to the MasterCard currency conversion calculator in case you need to know how much you will be paying in GBP. Please be aware that exchange rates can change in the delay between your transaction being placed and your card being billed. We'll advise of all charges on your statement when produced.

Can you explain how the exchange rate is calculated?  I'm going on a cruise and the cruise company charge 3% (more than Tesco at 2.75%) and explain that the exchange rate is calculated by Global Visa Services using a rate set by Blomberg

Hi @Andy1B,


Our exchange rate is set by Mastercard or Visa, depending on the type of card you have with us. You can check the Mastercard rate for any day here:


I hope this helps - Tristan

I do understand that I don't need to inform about going abroad, but have been advised that I should do for travel to India?

This won't be necessary @Salanne. If you were to call and advise you were going abroad (anywhere in the world) there isn't anything we would do on our systems to highlight this, other than noting your account. 


If your card was to be blocked as part of a security process whilst aboard we would send a text message asking you to confirm if transactions made on the account were genuine. If they were then you would only need to respond to our message with the appropriate answer and attempt the transaction again. Our overseas number is also on the back of your credit card if you needed to get in touch whilst abroad. I hope this helps! 

How I get a Tesco card

Hello @Adnan

Please see our website here for more information on our products and also how to apply. You can also call us on 0345 366 2709 anytime between Mon-Fri 8am-8pm and Saturday 9am-2pm to apply over the phone also :-)