Using your HSBC UK card outside the UK

Compare your card exchange rates to European Central Bank rules when using your HSBC UK card in the European Economic Area.

When you are using a card while traveling in Europe, you are currently offered the option to pay in local currency or pound sterling. If you choose to pay in the local currency, HSBC will convert the amount of the transaction using the daily card exchange rate. If you decide to pay in pound sterling, currency conversion will be done on the spot in exchange for a fee.

When you are offered currency conversion services, the merchant should disclose the total charges for dynamic currency conversion, including any fixed fees they will apply, as a percentage mark up over the latest available Foreign Exchange Rate(s) issued by the European Central Bank (ECB). This means you will be able to compare the cost of paying in pounds to what HSBC would charge if you choose to pay in the local currency and we perform a currency conversion.

To help our clients view the difference between the daily ECB rate and the total cost you would be charged for using your card abroad, we have created a table that provides you with full information about the costs of using your debit or credit card outside the UK.

To view the table and for more information about the fees you will be charged for using your card abroad and the scenarios in which fees would apply please consult

Please be aware when using this link, you will be re-directed from this site ( to

Important information

This material is issued by HSBC UK Bank plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the UK. It has been issued for your information purposes only.

Please note that HSBC does not provide tax or legal advice and clients should seek professional advice from their tax advisor. Any reference to tax is based on our knowledge of the current and proposed tax regime and is subject to change.

In the United Kingdom, this document has been approved for distribution by HSBC UK Bank plc whose Private Banking office is located at 8 Cork Street, London, W1S 3LJ.

No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior written permission of HSBC UK Bank plc. Copyright© HSBC UK Bank plc 2019.