Please note that conversion rates are only indicative because such transactions are processed and converted when the retailer sends them to Visa. This is not always on the same day as the transaction itself.
Using your card abroad
Conversion rates
FAQs
You can inform us of the destination(s) and dates of your trip abroad:
- via our Mobile Banking app (on iPhone and Android smartphones) - personal customers only
- via Internet Banking (on a computer, tablet or smartphone)
- by calling our Customer Service Team
- by visiting your local branch
Your card cannot be used for cash withdrawals or debit card payments in a foreign currency outside the UK. You should contact us as soon as you can using any of the methods explained previously and we will allow your card to be used abroad.
We strongly advise you to ensure that you have a contingency fund of cash in an appropriate currency when you travel abroad.
It is always possible that you could lose or damage your card when abroad and having a supply of cash will help overcome any difficulties you will face.
Yes, if you intend to use your Cumberland Visa debit card while you are outside the UK.
You can extend the dates you already have set by up to 31 days from the date you are extending them.
No. You can only register one trip (i.e. date range) and related location(s) at a time.
You can select which account, or accounts, you want to use abroad. You do not need to free up all of your accounts and cards, and we recommend that you only do so on those you intend to use.
We recommend that you tell us as soon as you arrange your travel plans. You can advise us of your travel plans up to a maximum of one year in advance.
No, SecureCard protects your card. Your partner needs to set their travel dates separately.
If you cancel your travel plans, depart on a different date or return on a different date, we recommend that you change your SecureCard travel dates accordingly.
Yes. SecureCard protection only prevents debit card payments or cash withdrawals in a foreign currency outside the UK.
Current Account Switch Guarantee

The Current Account Switch Service allows you to switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days.
As your new current-account provider we offer the following guarantee:
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If your new bank or building society agrees, bank accounts that include an overdraft can switch using the Current Account Switch Service. And if you’d like to have an overdraft with your new bank account, speak to your new bank or building society before starting your switch. Your new bank or building society will be able to advise if you’re eligible for an overdraft, dependent on their lending criteria and your credit status.
If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.