The frequently asked questions below are up to date with the latest information as at the end of the transition period 31st December 2020. We’ll continue to update them if anything changes. 

  • 1.
    What is the impact on my banking products and services?

    Customers living in the UK should not see any significant changes to how their banking products and services work.

    For customers living in certain EU countries, however, we will not be able to provide some UK banking products and services after 31st December 2020. We have contacted customers whose accounts or services are impacted.

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  • 2.
    Will I be able to use ATMs / pay by my debit / credit card in Europe?

    Yes. If you're a UK resident, the use of ATMs and how you use your cards to pay for goods or services doesn’t change.

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  • 3.
    My credit card doesn't currently charge foreign exchange fees or fees for withdrawing cash abroad. Will that change?

    No, this feature applies across the world so we do not anticipate any change.

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  • 4.
    Will there be any changes to the Balance Transfer and Money Transfer features on my credit card?

    Nothing has changed. There is no immediate impact on your ability to complete Balance Transfers or Money Transfers.

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  • 5.
    Can I continue to make payments to my credit card bill from EU countries?

    We will continue to accept payments to your credit card account from abroad.

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  • 6.
    Will there be any impact to accessing Online Card Services when travelling in Europe?

    No. Online Card Services is not affected.

    You can also continue to access your bank account through our mobile app, if you have it.

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  • 7.
    Will my personal data still be secure?

    Yes. You continue to be protected through current legislation, and our internal policies. Your data will continue to be held in the most secure way.

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  • 8.
    Can I continue to make payments to and from EU countries?

    At present we don’t anticipate any changes to how you make and receive valid payments to and from these countries.

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  • 9.
    If I need to move out of the UK to the EU do I still have to repay my loan?

    Yes, you are legally bound by the terms and conditions that you signed when taking your loan, this includes making the contractual monthly repayments in pounds sterling. If you wish to settle your loan early, call us on 0330 678 1430. We’re here to help 8am to 10pm, 7 days a week.

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  • 10.
    Which countries are in the EU?

    The EU currently consists of: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

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  • 11.
    Which countries are in the European Economic Area (EEA)?

    The EEA includes EU countries and also Iceland, Liechtenstein and Norway.

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  • 12.
    What if I move to the EU?

    If you move outside the UK in the future, you must let us know. Most customers will be able to continue to hold their UK banking product. For customers living in certain EU countries, however, we will not be able to provide some UK banking products and services after 31st December 2020. We have contacted customers whose accounts or services are impacted by this.

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For general updates and guidance on the UK leaving the EU, the UK Government has set up an online hub.