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Your TSB Visa Debit Card
Handy, secure and accepted worldwide, a TSB VISA Debit Card gives you the freedom to buy things or withdraw your money wherever and whenever you want.
Features
- Safe and convenient alternative to carrying cash
- Contactless payment functionality for small everyday purchases (subject to status)
- Make a debit card payment outside the UK or online in any currency (see charges section)
- Never hunt for an ATM again - get up to £50 cash back at most supermarkets
- Ideal for all your online shopping purchases
- Easy to use for one off or regular bill payments
- Personal current account customers can now withdraw up to £500 from UK cash machines
How can I use contactless cards?
Contactless cards make paying for small items quick and easy. It allows you to use your Debit Card to pay for things up to £100 without entering your PIN, by simply holding your card over the contactless card reader. More and more retailers are introducing it - look out for the contactless symbol or find your local retailers.
We're starting to include contactless technology in our Debit Cards - if your card has the contactless symbol, it has contactless built in. If you don't already have a contactless card but would like one, just visit your nearest branch who will be able to arrange it for you, if eligible.
Contactless is:
- Quick and convenient for low value purchases
- Free to use
- Just as safe as using chip and PIN
- Protected against fraud loss if your card is lost or stolen
- Optional - you can still use chip and PIN if you prefer
You can now use your contactless payment card on the Transport for London (TfL) network for travel on Tube, Tram, DLR, London Overground and most National Rail services.
You can do this by touching your contactless card flat on the yellow TfL card readers. When using your contactless card, you should separate it from any others before touching the yellow reader. Always touch in and out with the same contactless card or you could be charged two maximum fares for two incomplete journeys.
Visit Transport for London to find out more about contactless travel on TfL. You can also register for an online account which puts you in control of your contactless travel and shows where you've been and how you've been charged.
Can I use my debit card abroad? (see charges section)
When you’re outside the UK, you can use your Visa debit card to make debit card payments and withdraw money out of cash machines just as you do at home, wherever you see the Visa symbol. You'll find your TSB Visa card:
- Convenient and safe
- Accepted all over the world
- Gives you competitive exchange rates
- Protects you against fraud for any unauthorised spending
Using your card abroad
You don’t need to let us know of your travel plans but to make using your Debit Card abroad hassle-free, before you go:
Check we have your mobile or best contact number - you can update your phone number in the Internet Bank, mobile app, by calling us or visiting a local branch.
Save our overseas number on 0203 284 1575 your mobile in case you need to get in touch with us.
You will need identification with you if you want to withdraw money from a bank abroad (although you can use cash machines just like at home).
Making a cash withdrawal in a foreign currency
When you make a cash withdrawal in a foreign currency (at a cash machine or over the counter), the cash will be converted into pounds, normally on the day withdrawn.
You can sometimes choose whether you want the currency conversion to be done by TSB or the ATM operator when you withdraw foreign currency from an ATM. The exchange rate and charges you pay will depend on which option you choose.
If you choose conversion by us, the exchange rate used will be Visa’s daily Visa Payment Scheme Exchange Rate and we will charge the fees shown in the table below. If you have a Spend & Save Plus card we’ll waive any TSB charges for using your debit card. The ATM operator may still charge.
If you change to a Spend & Save Plus account from another TSB account you’ll be sent a new Spend & Save Plus debit card. You’ll need to use your new card to avoid incurring TSB charges.
If you choose conversion by the ATM provider, they will set any fees and the exchange rate. You would choose this by selecting the amount you want to withdraw in pounds (not the foreign currency) on the ATM. Some ATMs won’t allow you to do this.
We can’t advise you which would be the cheaper option when you want to withdraw foreign currency, as we don’t know what charges and exchange rates would be used by the ATM provider.
Type of card |
Description |
TSB Foreign Conversion Fees |
Fees when foreign |
|---|---|---|---|
Debit card |
Non-Pound Transaction Fee
Non-Pound Cash Fee |
2.99% of the value withdrawn
1.5% of the value withdrawn Fees do not apply to Spend & Save Plus cards |
1.5% of the value withdrawn (min £2.00, max £4.50 for each transaction). |
ATM card |
Non-Pound
Non-Pound Cash Fee |
2.99% of the value withdrawn
1.5% of the value withdrawn
|
There are no TSB fees. However, the ATM operator may charge a fee. |
Currency conversion calculator
Our calculator helps you see the total cost of your currency charges, and how this compares to the European Central Bank exchange rate.
This can only be used for European Union denominated currencies, in a European Economic Area country.
Making a debit card payment in a foreign currency
You’ll not be charged a non-pounds cash fee if you are making a cash withdrawal in Euros from a cash machine in an EEA country. When you make a debit card payment in a foreign currency (including contactless but not cash withdrawals, foreign currency or traveller’s cheque purchases) whether you’re in the UK or abroad, fees will apply. Fees do not apply to Spend & Save Plus cards. If you change to a Spend & Save Plus account from another TSB account you’ll be sent a new Spend & Save Plus debit card. You’ll need to use your new card to avoid incurring TSB charges.
You can sometimes choose whether you want the currency conversion to be done by us or the merchant from whom you are making the purchase. The exchange rate and charges you pay will depend on which option you choose.
If you choose conversion by us, the exchange rate used will be Visa’s daily Visa Payment Scheme Exchange Rate and we will charge the fees shown in the table below. If you have a Spend & Save Plus card we’ll waive any TSB charges for using your debit card.
If you choose conversion by the merchant, they will set any fees and the exchange rate. But we won’t charge you an additional amount. You would choose this by selecting the amount you want to pay in pounds (not the foreign currency) when making the payment. Some merchants won’t allow you to do this.
We can’t advise you which would be the cheaper option when you want to pay in a foreign currency, as we don’t know what charges and exchange rates would be used by the merchant.
Type of card |
Description |
TSB Foreign Conversion Fees | Fees when foreign currency conversion done by merchant / payment scheme provider |
|---|---|---|---|
Debit card |
Foreign Exchange rate |
The amount is converted into pounds on the day it is processed by Visa, using the Visa Payment Scheme Exchange Rate |
There are no TSB fees |
Non-Pound Transaction Fee |
2.99% of the payment amount in pounds Fees do not apply to Spend & Save Plus cards |
|
|
Purchase Fee |
£1 per transaction. Note: this fee does not apply if you use a Spend & Save Plus, Platinum or Premier Account debit card or if you are making a debit card payment in Euros within an EEA country |
Charges for using cash machines abroad
There are charges for using your debit card to make a cash withdrawal in a foreign currency (outside the UK). Cash machines generally give you the option of choosing your cash amount in local currency or equivalent in pounds (for example you want "£10 worth of Dollars").
If you choose local currency, TSB will need to convert the withdrawal to pounds and will charge you a non-pounds transaction fee of 2.99% of the value of the withdrawal and a non-pounds cash fee of 1.5% (min £2, max £4.50 not charged for). These fees do not apply to Spend & Save Plus cards. If you change to a Spend & Save Plus account from another TSB account you’ll be sent a new Spend & Save Plus debit card. You’ll need to use your new card to avoid incurring TSB charges. You’ll not be charged a non-pounds cash fee if you are making a cash withdrawal in Euros from a cash machine in an EEA country.
If you ask for the equivalent in pounds, the cash machine owner will make the conversion into pounds and TSB will only apply the non-pound transaction fee of 1.5% (min £2, max £4.50), however the ATM owner may make a separate charge for the conversion. TSB will not charge a fee for customers using a Spend & Save Plus debit card.
Charges for making a debit card payment in a foreign currency
When you make a debit card payment in a foreign currency the amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge a non-pounds transaction fee of 2.99% of the value of the transaction (not charged for customers using a Spend & Save Plus debit card) and we will charge a non-pounds purchase fee of £1 which is not applicable if you use a Spend & Save Plus, Platinum or Premier account Debit Card or if you are making a debit card payment in Euros within an EEA country.
Please see the table below for an example of how much our charges affect how much you pay when you use your debit card overseas:
These fees do not apply to Spend & Save Plus cards. If you change to a Spend & Save Plus account from another TSB account you’ll be sent a new Spend & Save Plus debit card. You’ll need to use your new card to avoid incurring TSB charges.
Purchase Amount (equivalent in pounds) |
Contactless Transaction | Chip & Pin Transaction |
|---|---|---|
| £5 | £1 + 2.99% (£0.14) = £1.14 Total cost to you = £6.14 |
£1 + 2.99% (£0.14) = £1.14 Total cost to you = £6.14 |
| £15 | £1 + 2.99% (£0.44) = £1.44 Total cost to you = £16.44 |
£1 + 2.99% (£0.44) = £1.44 Total cost to you = £16.44 |
| £30 | £1 + 2.99% (£0.89) = £1.89 Total cost to you = £31.89 |
£1 + (£0.89) = 2.99% £1.89 Total cost to you = £31.89 |
| £100 | Not applicable - exceeds contactless transaction limit NB - This is an illustrative example and contactless limits vary by country |
£1 + 2.99% (£2.99) = £3.99 Total cost to you = £103.99 |
See our Banking charges guide (PDF, 306KB) for more details.
How does TSB keep my money secure?
We use sophisticated fraud detection systems to help keep your money secure, for example we:
- Continually analyse spending patterns on your account and check out anything unusual
- Check suspicious transactions with you using our automated calling services (we will never ask you to tell us, in full, your passwords or sensitive account information)
- May ask for additional security checks at the point of transaction
- May stop further purchases until we're sure it's you
If you get an automated transaction checking call from us and you want to check that it's authentic, or have any questions, call 0800 023 4113 in the UK, or +44 1733 286355 from abroad.
If you are ever subjected to fraud, we'll put a stop to it as soon as we're aware, and you'll be reimbursed for any losses that aren't your fault. We'll also send you a new card as soon as possible (usually within five working days).
What you can do
You can help minimise the risk of fraud by taking simple precautions:
- Never tell anyone your PIN or Internet Banking login details
- Only shop online from known retailers
- Always look out for the padlock symbol on shopping websites
- Always shred receipts and documents containing personal information before disposing of them
Verified by Visa
Verified by Visa is free service that gives you extra protection when shopping online.
The service assesses each transaction and either verifies it automatically or asks you for some further information to ensure it's you making the transaction.
In order to work properly, Verified by Visa needs to open a pop up window in your browser - you will need to enable this function if you currently have it switched off.
Verified by Visa is free service that gives you extra protection when you’re shopping online.
The service will assess each transaction and either verify it automatically or, in some cases, ask you for some further information to help us verify the payment. This means that you can safely shop online, with fewer interruptions, knowing that Verified by Visa is helping protect you from fraud.
For further information please read the Verified by Visa Terms of Use and Frequently Asked Questions.
What is the Verified by Visa service?
Verified by Visa is a free service offered by TSB in partnership with Visa International Services Association. This service offers more secure Internet shopping, using your TSB debit card.
The service will assess each transaction and either verify it automatically or, in some cases, ask you for some further information to help us verify the payment. The Verified by Visa service only applies to online purchases at participating retailers.
Which cards will be covered?
Your TSB debit cards are eligible for the Verified by Visa service.
How does Verified by Visa work?
When you make a purchase online, Verified by Visa issues a receipt to the retailer at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount, and date. You will get a "Processing…." page after you have entered your payment details or, in some cases, you may be asked to provide further information to help us verify the payment.
How does Verified by Visa protect me?
With Verified by Visa, your transaction is more secure as a security system is running behind the scenes to help prevent fraud.
Will I need to apply for a new card to use Verified by Visa?
No. Verified by Visa is designed to help protect the TSB card(s) that you already have.
How many online retailers currently participate in the Verified by Visa service?
Many online retailers are already participating in the Verified by Visa service. As the service grows, more will be added.
How much does Verified by Visa cost?
Verified by Visa is a free service to TSB customers.
What browser do I need to use for Verified by Visa?
Verified by Visa requires the use of the following - Windows Microsoft® Internet Explorer 5.5 and above, Windows Netscape Navigator® 7.1 and above, Windows AOL® 9, Windows Firefox® 1.0, 2.0 and 3.0, Opera® 9.5 and Macintosh Safari®.
Can I use Verified by Visa from any computer?
Yes. One of the great advantages of Verified by Visa is that you can use it from any computer connected to the Web that has a compatible browser. Compatible browsers are listed above.
Where can I view the conditions applying to the use of the new Verified by Visa service?
If you would like to see the conditions of use for this service, please see our Terms of Use.
I have more questions. Where can I get more help and information on Verified by Visa?
For more help and information, call us for help on 03459 758 758 between 8am – 8pm Monday to Sunday where you’ll be able to speak to one of our advisors or +44 (0) 203 284 1 575 if you are calling from abroad.
What if I have software that eliminates pop-up boxes?
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Verified by Visa to operate correctly.
What should I do if I am purchasing online but the Verified by Visa summary box does not appear?
It may be that the retailer does not use Verified by Visa yet but you will still be able to purchase at these retailers. Simply follow the retailer's normal checkout process.
Verified by Visa provides you with extra security when you purchase goods and services online. It is not intended to verify or endorse websites (or the goods and services offered on those websites) which offer the Service. Please read these conditions carefully before using this Service. These conditions should be read in conjunction with - 'Your Personal Banking terms and conditions' and/or any other terms and conditions specific to your Account. For commercial accounts these conditions should be read in conjunction with the Business Cardholder conditions for the card and the agreement between the Business and the Bank under which the cards are issued to the Business Cardholders.
1. Meaning of some words in this agreement
- 'Account' : for personal accounts this means your account for which you have a personal credit or debit card. For commercial accounts this means the account held by the Business with us to which all debit and/or credit/charge cards transactions are debited.
- 'Business' : the business at whose request the debit or credit/charge card has been issued to the Business Cardholder.
- 'Business Cardholder' : the individual to whom a debit or credit/charge card has been issued on the Accounts.
- 'Service' : the secure electronic payment service for card transactions online provided by CA Technologies on our behalf.
- 'Security Codes' : card information, memorable information or other information we use to check your identity.
- We/us/our/Bank: TSB.
- You/your: for personal accounts this means the Account holder. For commercial accounts held by a sole trader, you/your means the sole trader and any other Business Cardholder on such accounts. For any other type of commercial customer, 'you/your' means the Business Cardholder.
2. Using this Service
When you use Verified by Visa, both these conditions and your Account conditions will apply. If they contradict each other, the relevant condition in your Account conditions will apply.
All TSB Card accounts participate in this Service. It is not a requirement to register for the Service prior to using your card online. The Service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.
When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.
In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request may be denied. Should this occur contact numbers to our Fraud Contact Centre will be provided to allow genuine transactions to proceed.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for TSB.
3. Security
We will check your identity before we can accept any instructions from you or discuss your Accounts. To use the Service you may need to use Security Codes.
You must:
- not let anyone else know or use your Security Codes;
- not write down your Security Codes;
- take all reasonable steps to ensure your Security Codes stay secret.
If you think someone knows your Security Codes or may be accessing your Account or the Service without your authority you must notify us immediately. You should check statements we send you and let us know urgently about any errors.
4. Instructions
As long as we have been given your Security Codes, we are entitled to assume we are dealing with you and will:
- act on (and you will be bound by) all instructions;
- allow access to confidential information we hold about you and your accounts, without getting further confirmation from you.
However, you/the Business will not be liable for any instructions you do not give yourself, unless we can prove you were acting fraudulently or without reasonable care (for example if you do not tell us as soon as you think someone knows your Security Codes or is accessing your Account without your authority or you broke your obligations in condition).
5. Personal information
We will collect certain personal information from you for verification and security purposes, which we will pass on to CA Technologies who is carrying out this Service on our behalf.
Your Security Codes will not be passed on to online retailers participating in this Service.
We may give the police or any prosecuting or regulatory authority any information they need if we think it will help them find out if someone else is using your Security Codes.
For further details about how we use your personal information please see 'Personal Banking terms and conditions' and/or any other terms and conditions specific to your Account. For commercial accounts the 'Personal and business data' section of the terms and conditions which apply to the Business current accounts and/or debit or credit/charge cards.
6. Protection of Software
By using this Service you will not acquire any ownership rights, title or interest in or to the software made available to you.
You must not:
- do anything which may damage, interfere with or disrupt the software or the way it is provided; or
- display, alter or use any trademarks without the owner's prior written permission.
7. Ending your use of the Service
We may end the Service immediately if you close your Account/s or you no longer have any cards registered for the Service or, by telling you personally and giving you 30 days notice.
We may also suspend or end the Service immediately or decline to follow an instruction if we think:
- there is a breach of security or we are uncertain whether an instruction is valid (but, please note, we are not bound to check whether an instruction is valid);
- you have broken an agreement you have with us;
- you are not eligible for an Account or service;
- we reasonably think you or someone else is using or has obtained, or may use or obtain, the Service illegally, fraudulently or improperly;
- there is a legal requirement or a court or other authority tells us to act in that way.
If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.
8. Changes to these conditions
We may change any terms of this agreement. We will tell you personally at least 30 days before we make a change to your disadvantage. We can make any other changes straight away by telling you personally or publishing them on our web site.
9. General information
When we tell you personally about a change we will do so by letter, email or any other way by which communications are sent to you individually.
You can usually use the Service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the Service may be slow or unavailable from time to time. We will not be liable if the Service is unavailable at any time for these reasons.
This Service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.
Please remember that email is not a completely secure means of communication; it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
If you have a question about the Service, please call 03459 758 758 between 8am – 8pm Monday to Sunday where you’ll be able to speak to one of our advisors or +44 (0) 203 284 1 575 if you are calling from abroad. Calls may be recorded and monitored.
We recommend that you print these conditions for your records.
