Is there a fee to use Halifax Clarity abroad?

No foreign transaction fee on purchases. For ATM withdrawals, Halifax charges no fee but interest starts accruing immediately at the card's standard cash advance rate. Only use it at ATMs if you can repay the full balance the same day.

What exchange rate does Halifax Clarity use?

Halifax Clarity uses the Mastercard exchange rate, which is set daily and is very close to the mid-market rate. It's not the pure mid-market rate, but typically within 0.1–0.3% — excellent for a credit card.

Credit · Mastercard8/10

Halifax Clarity Credit Card

Name: Halifax Clarity Credit Card Review — Forex Fees, ATM Costs & Verdict
Item: Halifax Clarity Credit Card
Rating: 8
Author: Aayush Jain

Reviewed by Aayush JainUpdated May 2026

Classic UK travel credit card — no forex fees, no ATM fees abroad, and builds credit history.

Visit Halifax (Lloyds Banking Group)

Forex fee

None

ATM fee

Free*

Monthly fee

Free

Network

Mastercard

Available in

ATM detail: Halifax charges no ATM fee abroad, but interest on cash advances starts immediately (no grace period). Avoid ATM use unless you repay immediately.

Our verdict

Halifax Clarity is a long-standing favourite for UK travellers and still excellent for card spending. Zero forex fees and Mastercard rates. The important caveat: using it at ATMs incurs immediate interest — it's a spending card, not a cash card. Pair it with Starling or Chase UK for ATM withdrawals.