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Credit Cards

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

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.
  • Make sure you have our overseas contact telephone number with you (+44 1268 508027). 
  • Consider setting up a Direct Debit or standing order to cover any payments due while you’re away. Found 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 card holder buys foreign currency and/or travellers’ cheques with your Tesco Bank credit card, this will be treated as a purchase transaction.  
  • Don’t let your card out of your sight, especially when making purchases in restaurants and bars. 
  • 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.


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.


Version History
Revision #
10 of 11
Last update:
a month ago
Updated by:

Hi. My credit card is due to expire in less than a month and since I'm living abroad at the moment, how do I get a new card delivered to my current oversea address? I presume the 'Amend your address and contact number' section won't let me key in oversea address and contact number though and hence looking for some answers here. Thanks in advance. Best regards EA

Hi @tennoez, if your card is due to expire then we would send a replacement to the address on file within the first few weeks of the month. If you give us a call anytime on 0345 300 4278 we can discuss this with you in some more detail and see if there is anything we can do. 


Yes the foreign transaction fee is 2.75 %.

Having just paid £ 3.07 on a transaction of £ 111.85 my advise would be to leave your credit card at home and use cash.


Yes the foreign transaction fee is 2.75 %. its exrtortinate 

Having just paid £ 3.07 on a transaction of £ 111.85 my advise would be to leave your credit card at home and use cash.


Can you let me know why my card has been declined two years in a row the first time I've tried to use it on holiday in the USA? I know it's cleared every month so finances aren't the issue. 

Hi @Cl41r3, I am sorry your card has been declined. To determine why this has happened we would need you to give us a call on 03453004278 (24/7), where my colleagues will investigate your account. 


I clear my card every month but soon I won't be in the UK until 2 days before the normal card payment date which won't fit into the 4 working-day clearance required for banks. Not knowing how much will be on the card until the transaction cut-off date, how can I ensure full payment so that I don't end up paying interest?

Hi @mjh, are you aware that you can make a transfer from your own bank account to pay this? Transfer the money to sort code 40-64-15, account number 31310006 and enter your 16-digit credit card number as the reference.


Payments made using the Faster Payment Service are normally made within two hours. However, they may take longer between 4pm Saturday and 6am Sunday and if we take our service offline for maintenance.


You're also able to find out the other options you have for paying your Credit Card in this link.



I recently used my credit card to pay a bill of €255.00. On my statement this generated 2 lines, a payment of £227.67 at an exchange rate of 1.120 and a 2.75% fee of £6.26 making a total cost of 233.93. But if I go on-line and navigate to this transaction through the "View Transactions" option, where it is shown as a single line, then click on it to bring up the transaction details I find the €255.00 has been converted at 1.**sensitive info removed** to give the same amount of £233.93 but without a fee.

Either way I pay the same, so that's not an issue, but one of these conversions is clearly inaccurate (I assume the "View Transactions" one). Can we please have some consistency / accuracy across the whole system please!

Hi @jd2, thanks for getting in touch. I'll definitely pass on your comments to our Online team to find out more about this and ask if we can make this clearer in the future :-) If you have any other comments or feedback, please get back to us on Community