How to avoid Santander 123 debit card foreign transaction fees

Make sure you never have to pay a Santander 123 debit card foreign transaction fee again with Curve Pay, the mobile wallet that eliminates foreign charges for good. Save 2.95% on every purchase made with your Santander 123 debit card abroad, without needing to switch your bank or card.

Like many UK banks, the Santander 123 debit card charges high fees abroad. The bank imposes a 2.95% fee on every foreign transaction, also known as a non-sterling transaction fee.

You’ll also incur extra Santander 123 debit card foreign transaction fees when withdrawing cash from an ATM. These charges will appear as a foreign ATM withdrawal fee on your bank statement. The fees are even higher if you use your Santander 123 debit card for ATM withdrawals, with a cash advance fee of 2.95%, meaning a £29.50 charge for every £1,000 withdrawn abroad.

Fortunately, you don’t have to accept these charges as a necessary part of travelling overseas. You can avoid them without changing your card – simply change your wallet.

How to avoid Santander 123 debit card foreign transaction fees with Curve Pay

Escape Santander 123 debit card foreign transaction fees by using Curve Pay. It’s like Apple Pay or Google Pay, but with the added benefit of removing foreign exchange fees from every card in your wallet. Why use a specialised travel card when you can simply link your existing Santander 123 debit card (or any other card) to Curve and avoid these fees? Turn your everyday cards into everywhere cards.

1. Download the Curve Wallet

2. Link your Santander 123 debit card and set it as your payment card in the app

3. Pay using your physical or virtual Curve card, which can be added to any mobile wallet

4. Watch those foreign fees disappear

Curve Pay vs. Apple Pay / Google Pay

Curve functions just like Apple Pay and Google Pay, but with one other big advantage: it eliminates foreign exchange fees from all your linked cards. This means you can spend freely around the world, just like a local, no matter which card you choose to use. Whether it’s your Santander 123 debit card or another bank’s credit card, every card becomes a fee-free travel card.

Even if you're at the airport, you can eliminate those Santander 123 debit card foreign transaction fees before your flight. Simply download Curve from the Apple App Store or Google Play Store, link your Santander 123 debit card, and start saving immediately.

Travel smarter with a Santander 123 debit card

Your Santander 123 debit card is safe in your Curve Wallet. In fact, using your Santander 123 debit card with Curve may be even safer. It allows you to leave your physical card at home while still spending with your Santander 123 account globally. Curve creates an invisible shield around your money, ensuring your underlying card numbers are never exposed. If you notice unusual transactions, suspect fraud, or lose your Curve card, you can lock it instantly in the app with just one tap.

Another key benefit of using your Santander 123 debit card with Curve, compared to Apple Pay or Google Pay, is that Curve consolidates all your cards into one physical card. You can carry all your cards in one sleek wallet and access funds from any account, while enjoying easy cash withdrawals or payments where contactless isn’t available.

Most banks, including Santander, charge fees for foreign ATM withdrawals, but Curve eliminates these fees too, meaning you won’t pay extra to withdraw your own money abroad. If you prefer paying via your phone, simply add Curve to your Apple Wallet, Google Wallet, or Samsung Wallet. Curve Pay is also coming soon to Huawei phones for both Android and iOS users.

How to add your Santander 123 debit card to Curve

1. Download the Curve Wallet

2. Link your Santander 123 debit card to your Curve digital wallet

3. Select your Santander 123 debit card as your payment method

With Curve Pay, Santander 123 debit card foreign transaction fees are a thing of the past. Travel smarter, spend more freely, and keep your money safe.