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.
Table of Contents
- Can I Use My Suits Me Card Abroad?
- What Are the Fees for Using My Card Abroad?
- How Do Exchange Rates Work on My Suits Me Card?
- How Can I Avoid Foreign Transaction Fees?
- What Are the Daily ATM Withdrawal Limits Abroad?
- What Should I Do If My Card Is Blocked Abroad?
- Top Tips for Using Your Card Safely Overseas
- FAQs
Can I Use My Suits Me Card Abroad?
Your Suits Me card 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 My 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.
How Can I Avoid Foreign Transaction Fees?
You can’t eliminate the fees entirely, but you can significantly reduce what you pay with a bit of forward planning:
- Withdraw larger amounts less often Every ATM withdrawal costs £2.50 plus the percentage fee. Withdrawing €200 once costs you far less overall than withdrawing €50 four times. Plan a rough daily budget ahead of time so you can take out what you need in fewer transactions.
- Always choose local currency: Always decline the option to pay in pounds at foreign ATMs and card terminals. Dynamic currency conversion will cost you more every time.
- Upgrade to Premium Plus before you travel Premium Plus members get 4 free international ATM withdrawals per month. If you’re planning to use cash regularly on your trip, the saving can easily outweigh the cost of upgrading.
- Track your spending in the app The Suits Me app shows you exactly what was charged in pounds for every transaction, so you can keep a close eye on your spending in real time and spot any unexpected charges quickly.
What Are the Daily ATM Withdrawal Limits Abroad?
Be mindful of your account’s daily withdrawal limits:
- Premium Account: £300 per day.
- Premium+ Account: £500 per day.
These limits are in place to protect your funds in the event of card loss or theft.
What Should I Do If My Card Is Blocked Abroad?
Finding your card blocked while you’re overseas is stressful but it’s usually straightforward to resolve.
Why cards get blocked abroad Banks and payment providers monitor transactions for unusual activity. If your card is suddenly being used in a different country, it can trigger an automatic security flag, especially if you didn’t notify Suits Me before travelling.
What to do if it happens:
- Freeze your card immediately using the Suits Me app: this prevents any unauthorised transactions while you sort things out
- Contact Suits Me customer support: the team can verify your identity, lift the block, and get you back up and running
- Check your account for any transactions you don’t recognise and report them straight away
This is also why it’s worth travelling with a backup payment method (a second card or some local cash) so you’re never completely without access to funds if something goes wrong.
Top Tips for Using Your Card Safely Overseas
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. Find the nearest one to you with our ATM Finder wherever you are in the world.
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.
Ready to travel with confidence?
Using foreign ATMS and making international transfers is simple with Suits Me.
Open a Suits Me account in three minutes and manage your money from anywhere in the world.
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 worldWhat Should I Do If My Card Is Blocked Abroad?
