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What are the exchange rates abroad?

If you make a transaction in a foreign currency, we use a specific exchange rate and conversion system. We will convert a transaction into Pound Sterling on the date we process it.

Unless a particular rate is required by law, we will use conversion rates based on interbank rates we select from customary industry sources on the business day prior to the processing date (called the "American Express Exchange Rate"). This rate may differ from rates that are in effect on the date of your transaction. Fluctuations may be significant.

If the transaction is in U.S. Dollars, it will be converted directly into Pound Sterling. In all other cases, including the Euro, it will first be converted into U.S. Dollars and then into Pound Sterling.

Please note: All non-sterling transactions, whether for cash, goods or services, are subject to a non-sterling transaction fee of 2.99%. Cash transactions at ATM machines (in sterling or foreign currency) are also subject to a cash withdrawal fee of 3% or £3, whichever is higher.