12 cards · sourced directly from issuer documentation · last traced · every figure linked to its source
Foreign transaction fees apply every time your card sees a non-sterling charge. On a business that travels often, pays overseas suppliers or runs its SaaS stack on US-dollar invoices, 2.99% is not trivial. It is a quiet tax on every foreign bill, and most UK business cards still charge it.
A 0% entry here means the issuer has confirmed in writing that no foreign transaction fee applies. What it does not mean is “free to spend abroad”. Some cards advertise 0% FX but apply a margin on top of the wholesale exchange rate, and that margin is not captured in this dataset.
If absolute cost-to-spend is what matters, pull the issuer’s full rate schedule alongside this figure. Every row here links to the source we read.
Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.
| Card | FX Fee | Verified | Source | |
|---|---|---|---|---|
|
Capital on Tap Business Credit Card | 0.00% | Capital on Tap | |
|
Funding Circle FlexiPay | 0.00% | Funding Circle | |
|
Funding Circle Cashback Business Credit Card | 0.00% | Funding Circle | |
|
Barclaycard Premium Plus Business Credit Card | 0.99% | Barclaycard | |
|
American Express Business Gold Card | 2.99% | American Express | |
|
American Express Business Platinum Card | 2.99% | American Express | |
|
American Express Basic Business Card | 2.99% | American Express | |
|
|
Barclaycard Select Cashback Business Credit Card | 2.99% | Barclaycard | |
|
HSBC Business Credit Card | 2.99% | HSBC | |
|
Lloyds Bank Business Credit Card | 2.99% | Lloyds | |
|
NatWest Business Credit Card | 2.99% | NatWest | |
|
Santander Business Cashback Credit Card | 2.99% | Santander |
Notes and definitions
- FX fees are charged as a percentage of every non-sterling transaction, and they stack with whatever the network’s exchange rate delivers on the day.
- Some cards advertise 0% FX but apply a margin on top of the wholesale exchange rate. That margin is not captured here. For genuine absolute cost abroad, pull the issuer’s full rate schedule.
- A 0% entry means the issuer has confirmed in published terms that no foreign transaction fee applies. That is a narrower promise than “free to spend abroad”.