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Travel account

Spend your holiday euros or US dollars like a local.

Your holiday spending pot...

With Travel account, you can create a euro or US dollar holiday spending pot to use abroad with your existing physical or virtual debit cards, without any fees from us.

 

You can open a Travel account for free in our mobile app.

Information Message

Available for existing sole account holders of eligible current accounts who are registered for mobile banking and are ​UK residents over 18. Limited to two Travel accounts per customer, one for euro and one for US dollar.

  1. Spend like a local in euro or US dollar, with no fees on purchases from us. Track your euro or US dollar spending in the app to help you budget your holiday pot.

  2. We won't charge you a fee for the first €/$200 in cash you withdraw from ATMs every 30 days. Local ATM fees may apply.

  3. Top up in app, 24/7. You can exchange pounds from your current account into your Travel account at any time and exchange back again too once you're home. 

  4. Easy set up. Open and use a Travel account in the mobile app within minutes.

Travel accounts hold up to €/$10,000 and have a €/$10,000 daily spending limit. Any spending over this amount will debit the linked current account in pounds and will be subject to any applicable fees. To pay for something from a Travel account, you must hold enough foreign currency to cover the full transaction amount. If you don't, the payment will debit the linked current account and will be subject to any applicable fees.

How Travel account works

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Choose a currency

Simply select the currency you’d like to use to get started. Want both? You can open two Travel accounts, one for each available currency.

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Top up your Travel account

Enter the amount you’d like to add, tap ‘Review’ to check the details, and you’re good to go. Your currency is ready to spend right away!

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Keep track of your spending

View all your Travel account transactions separately from your current account right in the app to stay on top of your spending. 

Travel account currency choosing screen mobile app
Travel account top up mobile app screen
Travel account transaction history mobile app

Ready to travel smarter?

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If you already hold an eligible Natwest current account and want to add a Travel account, simply scan this QR code with your mobile phone's camera and we'll take you right to where you can get started in the app (help! I can't find Travel account).

Ready to travel smarter?

Thinking about opening a Travel account?

If you already hold an eligible Natwest current account and want to add a Travel account, just tap the link below and we’ll take you right to where you can get started in the app (help! I can't find Travel account).

Ready to travel smarter?

Thinking about opening a Travel account?

If you already hold an eligible Natwest current account and want to add a Travel account, just tap the link below and we’ll take you right to where you can get started in the app (help! I can't find Travel account).

Is a Travel account right for me?

Travel account is a safe, simple and easy way to spend euro or US dollar abroad.

 

You may wish to consider other options for spending abroad, such as foreign cash, a credit card or a bank account with travel benefits. You can learn about the different options we offer on our travel webpage.

 

These are some of the main benefits of our Travel account

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Remember to select to pay in euros or US dollars, not pounds, and have enough euros or US dollars topped up for the transaction - otherwise the transaction will charge your linked current account in pounds, and fees may apply.

Pay with your debit card in euro or US dollar with no fees from us

To use a Travel account, make sure you choose to pay in the local currency, not pounds, at a card terminal.

You can use your physical debit card or a digital wallet, like Apple Pay or Google Pay, with a Travel account.

If you run out of euros or US dollar, we will take the full transaction amount from your linked current account and fees may apply.

Withdraw up to €/$200 abroad every 30 days with no fees from us

You can withdraw more, but it will come from your linked current account and we'll charge our usual fee to withdraw cash abroad.

Remember to select euros or US dollar, not pounds, at an ATM to secure fee-free cash. 

Local ATMs may charge their own fees.

Online shopping in euros and US dollars

Buying something online in euros or US dollars? Enjoy fee-free spend by using your Travel account with your linked debit card.

Some merchants may charge additional transaction fees online. If you run out of euro or US dollar, we will take the full amount from your linked current account instead and fees may apply.

Important Documents

Ulster Bank Northern Ireland Privacy Notice is available here.

 

The money in your Travel account is protected as part of the FSCS scheme.

Frequently Asked Questions

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