Will I be charged for using my card abroad?

With Tide, when you spend abroad or online in other currencies, you get Mastercard’s exchange rate with no additional mark-up or fees.

Our standard fee of £1 to withdraw cash at an ATM still applies.

You can use Mastercard’s Currency Conversion Calculator to work out the daily rate for a transaction.
The Mastercard rate might be different from the European Central Bank (ECB) foreign exchange reference rate.

The ECB is the central bank of the 19 EU countries which use the euro. They publish rates daily based on an average of the rates of European banks. Mastercard set their own rate which can be different from the ECB rate.

As well as ATM withdrawals, your card will also work for chip and pin transactions in most countries.  However, you won’t be able to use your card in the countries listed below:

  • Brazil (BRA)
  • Cambodia (KHM)
  • Canada (CAN)
  • China (CHN)
  • India (IND)
  • Indonesia (IDN)
  • Laos (LAO)
  • Libya (LBY)
  • Macau (MAC)
  • Mexico (MEX)
  • Moldova (MDA)
  • Myanmar (MMR)
  • Philippines (PHL)
  • Romania (ROU)
  • Saudi Arabia (SAU)
  • South Africa (RSA)
  • Taiwan (TWN)
  • Thailand (THA)
  • Turkey (TUR)
  • United Arab Emirates (UAE)
  • Vietnam (VNM)

You won’t be able to use your card in the countries listed below:

  • Afghanistan (AFG)
  • Central African Republic (CAF)
  • Iran (IRN)
  • Iraq (IRQ)
  • Kuwait (KWT)
  • Libya (LBY)
  • Pakistan (PAK)
  • Saudi Arabia (SAU)

If you need to transact in these countries, get in touch via the app and speak to our Member Support team.

Should I carry another card?

Your card should work abroad, but we always recommend taking a backup so you have options while you’re travelling.

Safety & Security

We have fraud monitoring systems in place in the UK and internationally for our members’ protection. These systems may sometimes block certain payments if they look fraudulent, including transactions abroad. If you’re having trouble with a transaction or a payment is wrongly declined, please get in touch with our Member Support team via the in-app chat.