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Travelling abroad?

We apply a range of protection measures when you let us know your travel plans through our Telephone Banking or Online Banking services. 

Call us on  08000 84 28 88 , if calling from a UK landline or mobile, or  +44 (0) 1624 641 888 , if calling from overseas. Lines are open 9am – 5pm UK time, Monday  to Friday (except Wednesday when we open at 9.30am).

Alternatively, log in to our Online Banking service to send us a secure message

Support when you're abroad

Exclusive benefits when travelling

You can benefit from support wherever you need us.

Saving you money when you’re abroad 

• If you have the Santander Edge or Santander Edge Up current account , we won’t charge you for using your debit card to make payments and withdraw cash in the local currency outside the UK. 
• If you have another current account in our range (including the Select Current Account which is no longer available to open), you get fee-free withdrawals  from Santander-branded cash machines abroad
• With the Santander World Elite ™ Mastercard ® you won’t be charged foreign transaction fees on purchases abroad when you pay in the local currency. Also available with the Santander Edge credit card, 1I2I3 Credit Card, All in One Credit Card and Zero Credit Card.

You can also benefit from a 30% discount on Santander Travel Insurance when you apply online. If you have the Santander World Elite Mastercard, you’ll receive a 40% discount on Santander Travel Insurance when you apply online . We’ll send you a link to get the discount when you open the card account.

Access to Santander Select globally

• If you need us we’re available 24/7 on +44 1908 216674 when you’re abroad.
• 12,000 branches in 12 countries. You can find your nearest branch or cash machine by using our global locator
• Moving abroad? We can help manage the financial move for you.

Giving you more

With the Santander World Elite Mastercard you have additional luxury benefits allowing you to experience the best there is to offer including airport lounge access, Mastercard® Airport Security Fast Track and Global Data Roaming by Flexiroam.

Airport Lounge

You and additional cardholders have access to over 1,400 airport lounges worldwide with LoungeKey.

Guests and children can join you in the lounge for £24 per person per visit which will be applied to your Santander World Elite Mastercard. 

To use the lounge:

• Show your Santander World Elite Mastercard and say that you’re a LoungeKey customer.
• Complete security and verification checks. You may need to use your mobile phone for this.

Take a look at the full list of lounges, opening times,  facilities available, cost of additional non-cardholder guests and terms and conditions.

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Ways for you to manage your money without leaving home

How to Set Up Credit Card Travel Notifications

Putting a travel notification on your credit card may prevent a major travel headache.

Set Up Credit Card Travel Notifications

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Travel notifications prevent a credit card issuer from flagging a purchase you make out of the country as fraudulent.

You might be ready for an upcoming trip, but is your credit card? Depending on your card issuer, you might need to set up a travel notification for your account.

Adding a card travel notification is easy. For most credit cards, you'll follow these steps:

• Call your credit card company, log in to its website or access its app.
• Share your travel dates and locations, if applicable.
• Submit and verify your travel notification.

This will help you avoid potential hassles and embarrassing situations when you're away.

What Are Travel Notifications?

A travel notification is essentially a setting you activate on your credit card account. "Basically, you're just telling the credit card issuer you're going to be using the card outside of the normal places you (use it). That way, they don't think someone stole your credit card," says Simon Zhen, research analyst at personal finance website MyBankTracker.com.

If you're on a road trip, you could make a card purchase in one town and then try to shop in another distant location but have your card rejected. Dan Hanks, senior vice president of credit card loyalty and servicing at PNC Bank, says if a transaction appears to be fraudulent, it may be declined, even if it is a legitimate purchase. Purchase location is just one factor credit card companies consider when flagging fraudulent transactions .

"If a customer suddenly starts using a card in a place they've never been, especially in another country, it doesn't mean we'll decline them, but it increases the chance we might stop the transaction if we think it's fraud," Hanks says.

Transactions may be marked as fraudulent and your card deactivated as a precaution, particularly if your issuer can't reach you to confirm them. If you only bring one credit card on your trip, you may have a major problem on your hands. Luckily, setting up a travel notification before you leave is an easy solution.

How to Set Up Travel Notifications

A travel notification usually requires you to provide your planned destinations and trip dates to your credit card issuer. With that information, the issuer has more knowledge to weed out fraudulent transactions from legitimate ones.

You usually have a few options to set up a travel notification. First, you can call the card issuer. "Look on the back of the card, and you can find the phone number to call. You just tell the customer service rep that you'll be traveling," Zhen says. If you prefer digital communication, you can typically set up a travel notification through the credit card company's website or app.

Each credit card company has its own travel notification policies. While many companies allow you to set up travel notifications, others may not need you to tell them about your travel plans. Below are the policies of major credit card issuers:

American Express does not request travel notifications, citing industry-leading fraud detection capabilities.

Bank of America allows you to create a travel notice up to 60 days before your trip, and it can last up to 90 days from the first day of your excursion. With one travel notice, you can set up multiple itineraries for various cards. You must provide Bank of America a contact number for when you're away from home. You can also supply details about where you'll be staying, any planned layovers and other information that may help the company monitor your account for fraud while you're traveling.

According to Barclays , a travel notification is not mandatory, but it could be wise to avoid declined purchases simply because you are traveling abroad or to a different part of the U.S. Contact the bank by phone, or access your account online or with the Barclays app to set up a notification. If you will be traveling for more than 365 days, connect with the bank by phone to set up a notification.

Capital One doesn't need notification of travel plans because of the added security of the bank's chip cards.

Chase lets you set up a travel notification up to a year before your trip. The notification can last up to 90 days. You can apply the notification to multiple cards simultaneously and list multiple destinations.

Citi permits you to add a travel notification up to 180 days before your journey and up to 89 days after your trip begins. You can set the notification for more than one card and report several destinations with one travel notification.

Discover advises setting up a notification before you embark on a trip abroad. Your travel start date can be up to 24 months in the future, and travel notifications can last up to 24 months.

PNC Bank suggests notifying it of the locations and dates of your planned travel to help eliminate phone calls to confirm your account activities. You can create travel notifications up to two years before you depart, and notifications can last up to 30 days. If your travel plans exceed 30 days, you can set up more than one travel alert.

USAA recommends a travel notification to reduce the chance of your card being blocked or flagged for unusual activity. You can set up a notification up to one year before your trip, and the notification will last up to one year from your departure. USAA does not request travel destinations.

U.S. Bank allows you to establish a travel notification for any trip within the next 90 days. Notifications can last up to 90 days. If your travel plans exceed 90 days, you can set up an additional notification at a later date.

Wells Fargo favors notification of when and where you plan to travel. Wells Fargo's travel notifications do not have any time-based restrictions, so you can set up your travel alert for as long as you'll be away and not have to set up subsequent ones.

Overall, setting up a travel notification doesn't have a downside for the customer, Hanks says. Making travel notifications easy to activate is in a credit card company's best interest. And notifications reduce the chance that a real transaction may be classified as fraudulent, which makes everyone happier.

Don't Forget About Debit Cards

"Some people set up a travel notification on a credit card but forget to set one up on their debit card," Zhen says.

While credit cards offer many protections that can be useful when traveling, especially abroad, some people may still plan to use their debit cards. If you do, make sure you set up a travel notification on your debit cards, too, so your purchases on those cards don't get flagged as fraudulent transactions when you're on your next trip.

Tags: credit cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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Digital payments: How to settle up without cash or card when travelling abroad 

Digital banking makes it easier to enjoy an enriching travel experience. If you’re planning to go abroad, you had better think about how to pay your way, wherever you go. Online banking and mobile apps are easy, efficient and secure options.

Sophia has been saving for months to take her first trip to another country. Having bought plane tickets, booked a hotel and taken out travel insurance , she’s now wondering how she can manage her money on her trip. First, she draws up a budget to work out how much money she’ll need.

A budget will prove useful to keep track of Sophia's finances and figure out the best payment method. She decides to keep cash to a minimum to reduce the risk of it getting lost or stolen. She prefers making cashless, digital payments online and with an app.

Choosing the right digital payment method

Digital payments transfer funds through credit and debit cards, e-wallets , or devices that have near-field communication (NFC) or QR code technology. With e-wallets, you can ditch your change purse, since they store all your payment information securely. They work on computers and smartphone apps. Before travelling abroad, check how "digitalized" the country is and common ways to pay without cash.

Digital banking is widespread where Sophia’s going. She can even use it on public transport and in small shops. She decides she’s going to pay with:

Do I need Internet to pay with my smartphone?

It depends on the settings of your digital banking app or virtual card or wallet. If your smartphone has NFC technology, it might not need to be connected to the Internet for payment to go through. It could also limit how much you can pay if it's offline. And if your payment app won't work without Internet, you should ask your mobile provider about its roaming rates. You might even want to look into mobile data plans to buy on your trip. Never connect to public Wi-Fi networks to make payments or enter personal details on other people’s devices. If your bank information gets stored, cyber criminals could use it to commit fraud.

Credit and debit cards

Bank cards  have been around for ages and are a widely accepted payment method. They also work in many ways: you can swipe them, insert their “chip and pin”, or tap them on a POS terminal with “contactless” NFC technology. Some cards might not let you make payments abroad for security reasons. But many banks allow you to enable cards in other countries either on their app or by phone. What's more, bank apps can let you disable a lost card and set daily purchase and withdrawal limits. You should also check if your bank charges a currency conversion fee.

Mobile payments

More people are paying with a  smartphone . Smartphones enable you to pay with a banking app, an e-wallet, a virtual credit or debit card and in other ways. Make sure your smartphone is NFC-enabled — most smartphones are — to transfer payment information to a POS system. Sophia added her bank card to her e-wallet for small expenses on her trip. That way, she’ll be able to keep an eye on her spending and stick to her budget.

Online purchases

Sophia wants to visit theme parks and museums on her trip; but she isn’t sure she can fit it all in. She’s made sure she can use her bank card to buy tickets on park and museum websites. She just needs to enable her card to make online purchases and be used abroad before she goes. She should also check if her banking app can send her push notifications to authorize payments.

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