Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
No non-sterling transaction fee on purchases.
Must have a First Direct current account.
The First Direct Debit Card is worth considering if you travel regularly and want to keep currency costs low. On Mastercard's network it sits practically nothing off the real exchange rate abroad, which we measure as matching the best cards available. There are no foreign transaction fees either, so what you see is broadly what you pay. The genuine catch is that it pays no rewards on spending, and you need a First Direct current account to get it, so it only makes sense if you are already a customer or willing to switch.
Best UK Savings Accounts Right Now! 5% Easy Access Is Back! (May '26)
Four 8% regular savers, 5% fixed bonds, Premium Bonds' rise to 4.35% and the top easy access and cash ISAs.
Santander has just launched a market-leading 8% Regular Saver, but before you rush to open it, read this first.
Planning a trip abroad in 2026? We compare the best UK travel cards, explain FX rates, ATM limits, and why some popular fintech cards don’t always come out cheapest.
We compare the best bank accounts in the UK for everyday use, cashback, travel, app experience and paid perks, based on real-world use and current offers.
The best UK savings rates for June 2026, including a £150 cashback offer ending 8 June.
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A look at the best current account switch offers available now, including bonuses of up to £500.
Savings rates remain competitive in March 2026, regular savers paying up to 7.5% and easy access accounts above 4%.
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