Exchange rates and costs of Currency Cards

To see the official Summary Table from Newcastle Building Society Click Here.
These tables summarise product features and pricing and do not replace any Terms and Conditions.

	Euro (EU €)	US Dollar (US $)	Multi-Currency (GB £)
Commission and Foreign Exchange Rates
No Commission	0% / FREE — We don’t charge commission on any of our products.
How your Exchange Rate is applied	Convert your money to Euros or US Dollars when you top-up your card online. You are quoted a great exchange rate every time before you top-up. You can then spend or withdraw the Euros or US Dollars when you are abroad.		Top-up your card online with Pounds Sterling. Your money is converted into foreign currency only when you spend or withdraw cash abroad. Your exchange rate is calculated in real-time using the rate that banks buy currency from each other.
Exchange Rate	£1.00 buys you €1.12 (real-time online rate)	£1.00 buys you $1.40 (real-time online rate)	A small charge of 1.5% is added to the MasterCard exchange rate each time you use your card.
Purchase Transaction Fees and ATM Withdrawal Fees
Purchase Transactions	FREE — We don’t charge when you spend directly from your card. Multi-Currency Card: £0.50 in the UK
ATM Withdrawals	€1.25	$1.50	£1.00 (£1.50 in the UK )
Loading Fees and Charges
Load or Top-Up	FREE (By Debit Card or Bank Transfer)
	2.5% (If using a Credit Card)
Loading Limits
Maximum Balance	€6000	$8000	£5,000.00
Maximum Single Load	€3000	$4000	£2,500.00
Minimum Single Load	€10	$10	£10.00
Loads per day	2	2	2
Spending and ATM Withdrawal Limits
Purchases per day	10 or €2400	10 or $3200	10 or £2000
Purchases per four days	40 or €6000	40 or $8000	40 or £5000
ATM Withdrawals per day	5 or € 300	5 or $400	5 or £250
ATM Withdrawals per four days	15 or € 1200	5 or $1600	5 or £1000
Other Charges
Card Issue Fee	FREE
Monthly Service Charge	FREE
Balance Enquiry (Web, Phone)	FREE
Standard Delivery (normally 5-10 working days)	FREE	FREE	FREE
Express Delivery (normally 1-2 working days)	€6 (free over €500)	$8 (free over $600)	£5 (free over £500)
Balance Enquiry (SMS)	€0.25	$0.30	£0.15
Additional or Replacement Card	€6.00	$8.00	£5.00
Cancellation or Redemption	€6.00	$8.00	£5.00
Re-Issue PIN	€1.00	$1.00	£1.00
Administration Fee (For exceptional requests)	€14.00	$19.00	£12.00
Card Validity Period
Card Valid For	3 years — After which you will be offered a replacement.
	Compare rates Euro Card	Compare rates US Dollar Card	Compare rates Multi-Currency Card

Currency Cards Summary Box

Summary Box: The information contained in this table summarises key product features and is not intended to replace any terms and conditions

	Euro (EU €)	US Dollar (US $)	Multi-Currency (GB £)
On Application
Card issue fee	FREE	FREE	FREE
Standard Delivery (normally 5-10 working days)	FREE	FREE	FREE
Express Delivery (normally 1-2 working days)	€6.00 (free over €500)	$8.00 (free over $600)	£5.00 (free over £500)
Additional card fee	€6.00 per card	$8.00 per card	£5.00 per card
Limits	Minimum Initial Load Amount €10 Maximum Initial Load Amount €3000	Minimum Initial Load Amount $10 Maximum Initial Load Amount $4000	Minimum Initial Load Amount £10 Maximum Initial Load Amount £2500
Usage restrictions	For full details please refer to the Terms & Conditions	For full details please refer to the Terms & Conditions	For full details please refer to the Terms & Conditions
Ongoing Features	Euro	US Dollar	Multi-Currency
Transaction fees	FREE for purchase transactions in € 2.5% of value for transactions not in €	FREE for purchase transactions in $ 2.5% of value for transactions not in $	£0.50 for purchase transactions in £ 1.5% of value for transactions not in £
Cash withdrawal fees	€1.25 per transaction	$1.50 per transaction	£1.00 per transaction (£1.50 in UK)
Balance enquiry	FREE online on our website SMS Text: €0.15 per text enquiry Telephone: standard UK local call rates	FREE online on our website SMS Text: $0.15 per text enquiry Telephone: standard UK local call rates	FREE online on our website SMS Text: £0.15 per text enquiry Telephone: standard UK local call rates
Top-up fees and limits	FREE for loads by Bank Transfer FREE for loads by Debit Card 2.5% of load value for loads by Credit Card Minimum single load amount €10 Maximum single load amount €3000 Maximum Card Balance €6000	FREE for loads by Bank Transfer FREE for loads by Debit Card 2.5% of load value for loads by Credit Card Minimum single load amount $10 Maximum single load amount $4000 Maximum Card Balance $8000	FREE for loads by Bank Transfer FREE for loads by Debit Card 2.5% of load value for loads by Credit Card Minimum single load amount £10 Maximum single load amount £2500 Maximum Card Balance £5000
Service fees	FREE
Replacement card fees	€6.00	$8.00	£5.00
Other fees	FREE PIN Issue / €1.00 for re-issue Administration Fee €14 (for exceptional requests)	FREE PIN Issue / $1.00 for re-issue Administration Fee $19 (for exceptional requests)	FREE PIN Issue / £1.00 for re-issue Administration Fee £12 (for exceptional requests)
Closure	Euro	US Dollar	Multi-Currency
Cancellation or redemption	€6.00 cash-out fee (cancellation of card & return of funds) You must have more than €10 or the equivalent remaining on the card to redeem the balance	$8.00 cash-out fee (cancellation of card & return of funds) You must have more than €10 or the equivalent remaining on the card to redeem the balance	£5.00 cash-out fee (cancellation of card & return of funds) You must have more than £10 or the equivalent remaining on the card to redeem the balance
Expiry	3 years
For more information please see our Currency Card Terms and Conditions

Common Questions

When will I get my card? How do I track my transactions and account balance? Can I load more funds if I need them? What happens if my card is lost or stolen? How do I get my money back at the end of my trip? What happens when my card expires?

Useful Links

All Products Euro Card US Dollar Card Multi-Currency Card Cash Home Delivery
Currency card terms and conditions