How to avoid Nationwide fees abroad

Avoid Nationwide Fees Abroad with Curve Pay and Earn Cashback on Travel Spending

If you’re a Nationwide customer, you may have noticed how quickly foreign transaction fees add up when you spend abroad. Nationwide charges a 2.99% non-sterling transaction fee on all foreign purchases, plus extra fees on ATM withdrawals. But what if you could eliminate those fees entirely—without changing your bank? That’s where Curve Pay comes in.

How Much Are Nationwide Fees Abroad?

Like many traditional UK banks, Nationwide applies a 2.99% fee on any purchase made in a foreign currency, whether it’s a meal at a restaurant, hotel booking, or shopping abroad. This can quickly eat into your travel budget.

If you use a Nationwide credit card at an ATM, you’ll also be hit with a 2.5% cash advance fee—that’s £25 per £1,000 withdrawn.

What This Means in Real Terms

Spend £1,000 on holiday → Nationwide will charge you an extra £29.90 in foreign transaction fees.
Withdraw £500 from an ATM → You could be charged up to £14.95 in fees.

That’s money you could be saving with Curve.

How to Stop Nationwide Fees Abroad with Curve Pay

Curve Pay lets you bypass Nationwide’s foreign exchange fees and spend anywhere abroad with 0% FX fees. Instead of paying Nationwide fees abroad, you can simply link your Nationwide debit or credit card to Curve and pay through Curve Pay—keeping your existing bank account but eliminating the extra costs.

Here’s How It Works:

Download the Curve Wallet app and sign up.
Link your Nationwide card (or any other UK debit or credit card).
Use Curve Pay abroad—Curve will automatically convert at the real exchange rate without extra fees.

It’s that simple. There’s no need to switch banks or open a separate travel account—just use Curve to make every card in your wallet fee-free when spending abroad.

Earn 1% Cashback While Nationwide Charges You Fees

Not only does Curve eliminate Nationwide’s fees abroad, but it also rewards you for spending abroad.

With a premium Curve plan (Curve Pay X, Pro or Pro+), you can earn 1% cashback on all foreign transactions outside GBP and EUR. So while Nationwide charges you for spending abroad – Curve rewards you.

Where Can You Earn Cashback?

Alongside earning 1% cashback on foreign transactions, Curve also lets you earn 1% cashback at major travel brands with Curve Pay Pro plans.

EasyJet
Booking.com
Uber
Trainline
TFL (Transport for London)
Shell & BP petrol stations
And many more travel retailers

That means whether you're booking flights, filling up your car, or paying for public transport, Curve puts money back in your pocket instead of taking it away in fees.

Curve Pay vs. Apple Pay & Google Pay: What’s the Difference?

Curve Pay works similarly to Apple Pay and Google Pay—you can link your cards, tap to pay, and enjoy mobile wallet convenience. But unlike these wallets, Curve Pay eliminates foreign transaction fees on all linked cards and gives you cashback on travel spending.

With Apple Pay or Google Pay, you’re still subject to Nationwide’s foreign fees—but with Curve Pay, those fees disappear.

Extra Perks of Using Curve Abroad:

✅ All Your Cards in One – Carry just one card for all your accounts.
✅ Real-Time Spending Alerts – Get instant notifications for every purchase.
✅ Enhanced Security – Lock your card instantly if lost or stolen.
✅ Free ATM Withdrawals Abroad – Up to £1000/month

How to Add Your Nationwide Card to Curve

Getting started is easy:

Download the Curve Wallet app from the App Store or Google Play.
Scan your Nationwide card to add it to your digital wallet.
Select Nationwide as your funding source in Curve.
Use Curve Pay whenever you travel—no more Nationwide fees abroad!

Stop Paying Nationwide Fees Abroad – Start Earning Rewards

Nationwide’s 2.99% foreign transaction fees can add up quickly, but you don’t have to accept them. By using Curve Pay, you can spend abroad fee-free and even earn 1% cashback on your foreign transactions.

Why Choose Curve Pay?

✅ No FX fees on any card – Spend in any currency without extra charges.
✅ Earn cashback while spending abroad – Up to 1% on foreign transactions and travel brands.
✅ Works with Nationwide & all UK banks – Keep your existing accounts, just pay smarter.

Get Curve Pay