Cross-border handling fee when using a debit card abroad

A cross-border handling fee can apply when you use your Debit Card for purchases in a foreign currency, or use a cash machine* to withdraw foreign currency. This cross-border handling fee does not apply to customers with a Smart Start Account or Second Level current account when they use their debit card to buy things or withdraw cash abroad. A cross-border handling fee usually applies when you use your Visa debit card to pay for goods or services in a foreign country or at an international merchant, buying items from overseas retailers online, or withdrawing a foreign currency from an ATM while traveling abroad. As part of the ongoing improvement of our products and propositions for our customers, Bank of Ireland will no longer charge cross border handling fees on Visa debit card transactions on Smart Start Accounts and Second Level current accounts. Currency conversion rates may still apply.

The fee varies depending on how the card is used see details below.

*There is no fee for using your Debit Card in a Bank of Ireland ATM in Northern Ireland when making a sterling cash withdrawal. You will be charged a cross-border handling fee if you use any other ATMs in Northern Ireland.