Travel account

You are eligible for a Travel account if you are over 18, live in the UK, already have an eligible current bank account with us and are registered for mobile banking.

Eligible accounts include Select, Reward, Premier Select, Black, Student and Graduate.

Not eligible for Foundation, Adapt or Revolve. Other eligibility exclusions may apply.

Not eligible for business accounts.

You can have two Travel accounts at a time, one for euro and one for US dollar. If you want to link your Travel account to a different current account, you will need to close the Travel account in the app and open a new one, linked to the desired current account.

At the moment only sole account holders can link a Travel account to their sole owned current account. Joint accounts or other party holders are not eligible. If you wish to add another party to your linked current account, your Travel account will need to be closed first.

The Travel account is for your holiday spend, so there is a limit to the amount of euros or US dollars you can hold and spend on it for your safety.

You can hold up to €/$10,000 in a Travel account, and spend up to €/$10,000 a day. Further spend will be charged from your linked current account, subject to our debit card limits, and the usual fees may apply.

You can take out up to €/$200 cash from an ATM abroad without any fees from us, every 30 days. Further euro or US dollar cash withdrawal in the 30 day period will come from your linked current account, and the usual fee will apply.

There is no overdraft on the Travel account, so if you don't have enough euro or US dollar in your Travel account to cover a transaction, the full amount of the transaction will be paid from your linked current account and the usual fees may apply.

As long as you have enough to pay for a transaction, and you select to pay for it in euros or US dollars (sometimes also shown as "pay in local currency"), then we won't charge you the usual non-sterling transaction fee.

When topping up your Travel account with euro or US dollar, or exchanging back to pounds, you will be presented with the current rate we have available. You can proceed to secure the rate, or come back later.

If you wish to know the exchange rate of a particular transfer, you can find this in the details section of the transaction in your mobile app.

No, you can top up euro or US dollar in the app by exchanging pounds from your linked current account, and you can spend the euro or US dollar using your existing linked debit card.

No other payments or transfers can be made in or out of the Travel account.

For more information on how to send money abroad, visit the Sending money abroad page.

The following countries use euro as their local currency: Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia and Spain.

The euro is also used in non-EU member countries, including Andorra, Monaco, Montenegro, San Marino, Vatican City, Kosovo.

There are other countries in the process of adopting the euro, including Bulgaria, Czech Republic, Hungary, Poland, Romania, Sweden.

The following countries use US dollar as their local currency or in addition to their local currency: United States, Ecuador, Panama, El Salvador, Turks and Caicos, Zimbabwe, British Virgin Islands, Cambodia, East Timor, Marshall Islands, Micronesia, Palau, Bahamas, Bonaire, Puerto Rico, Aruba, Belize, American Samoa, Barbados, Guam, Bermuda, Northern Mariana Islands, Argentina, Liberia.

No, you'll choose a currency when you open a Travel account - either euro or US dollar. You can then only use this Travel account for holding and spending that currency.

However, you can have 2 Travel accounts open at any one time, one for each available currency, if you do want to hold and spend both euros and US dollars.

You can visit our support pages for more information:

• What is a Travel account?
• What are the requirements to open or close a Travel account?
• How to guidelines for Travel account
• How to spend with a Travel account
• Help with Travel account transactions