Travelling abroad? Your Suits Me card can be a convenient companion for withdrawing cash wherever you are, but it can add up if you’re unsure of how exchange rates work. This guide will help you understand how to use your card at foreign ATMs, the associated fees, and tips to make the most of your money while overseas.
Can I Use My Suits Me Card Abroad?
Your Suits Me Mastercard works across Europe, the US, Asia – anywhere Mastercard is accepted. You can use it for hotel deposits, train tickets, or even buying lunch at the airport.
It’s especially helpful if you’re travelling without a traditional bank account, Suits Me gives you the freedom to manage your money wherever you are.
However, be aware that international transactions may lead to additional fees, and some purchases could be flagged for security, potentially leading to temporary blocks. If this happens, you can contact customer care for help. A heads-up: it’s worth letting us know you’re going abroad in advance, just so your transactions don’t get flagged as suspicious.
What Are the Fees for Using Your Suits Me Card Abroad?
Using your Suits Me card while you’re abroad is easy, but there are a few fees to be aware of. Knowing what to expect means you can avoid surprises and make smarter choices with your money while you travel.
Check out the fee breakdown below so you can plan ahead and get the most from your money on your trip.
Suits Me Fee Cheat Sheet Table
| Action | Fee |
| ATM withdrawal abroad | £2.50 + 2.57% |
| Card payment in another currency | £1.97 + 2.57% |
| Card decline abroad | £0.50 |
| Card replacement (if lost) | £5.00 |
Let’s break it down with a real example.
If you’re on holiday in Spain and withdraw €100 from an ATM using your Suits Me card, here’s what you’ll likely pay:
- ATM withdrawal fee: £2.50
- Currency conversion fee (2.57%): around £2.20 (based on €100 = £85)
Total cost: approximately £4.70 in fees just for that one withdrawal.
Save on fees with Premium Plus
If you’re not already on our Premium Plus plan, it might be worth upgrading before your trip. Premium Plus members get 4x free International ATM withdrawals every month – that’s a potential saving of nearly £20 on those four withdrawals in Spain, for example!
These fees can add up, so it’s worth planning ahead.
Tips to Minimise Fees and Get the Best Exchange Rates
Withdraw more at once. Instead of withdrawing small amounts multiple times, take out a larger amount once to reduce repeated fees. Plan a rough budget ahead of time so you have enough to last you through the trip, but not so much that you have spare cash left at the end. Find the nearest one to you with our ATM Finder wherever you are in the world.
Always choose to be charged in euros, not pounds, at the ATM. This avoids extra conversion markups known as “dynamic currency conversion.”
Use the Suits Me app to track exactly how much was charged in pounds.
Daily Withdrawal Limits
Be mindful of your account’s daily withdrawal limits:
These limits help protect your funds in case of card loss or theft.
Top Travel Tips for Using Your Card Abroad
Take a Backup Card If Possible
Some shops, restaurants or ATMs might not accept certain cards, especially in smaller towns or rural areas. Having a second card gives you peace of mind, just in case your Suits Me card isn’t accepted somewhere.
If You Lose Your Card, Freeze It Straight Away
Lost your card abroad? Don’t panic. Use the Suits Me app to freeze your card instantly, then contact our support team to block it properly and request a new one. The quicker you act, the better.
Use Bank-Owned ATMs Where Possible
Bank-owned ATMs usually offer better exchange rates than ones in airports, tourist shops or hotels. Look for ATMs attached to actual banks, or ones that show the Mastercard logo.
Check Local ATM Fees Before Withdrawing
It’s not just Suits Me fees you need to be aware of. Some foreign ATMs charge extra local fees, which can stack up. Always check the fee message on the screen before confirming your withdrawal.
Don’t Keep All Your Money in One Place
It’s a good idea to take a mix of payment options when you travel – like your Suits Me card, some local cash, and maybe a second debit card. (Credit cards often come with higher fees.) That way, if one method doesn’t work, you’ve still got a backup.
What to Do If Your Card Is Blocked Abroad
If your card is blocked while travelling:
- Contact Customer Support: Reach out to Suits Me’s multilingual customer care team for assistance.
- Use the App: Freeze your card instantly using the Suits Me mobile app to prevent unauthorised transactions.
- Stay Informed: Regularly check your account for any suspicious activity.
Using your Suits Me card abroad is easy when you know how it all works. By understanding the fees, using your card wisely, and keeping an eye on your account, you can enjoy your travels without any surprises.
If you’re ready to explore the world with Suits Me, open your account now or get in touch to learn more. Safe travels!
FAQs
Will I be charged every time I use my card abroad?
Yes, international fees apply to each transaction and withdrawal, but you can reduce how often you pay by taking out larger amounts less frequently.
What exchange rate will I get?
Your transactions are converted using Mastercard’s exchange rate of the day. Suits Me doesn’t set the rate, but you can check it on the Mastercard website.
Can I check my balance abroad?
Yes, log in through the Suits Me app or website from anywhere in the world.
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