Rates applied today
Cost in GBP per unit of foreign currency when paying or converting with First Direct, against the market reference.
| Operation | Currency | 1 × in GBP | vs reference | Status |
|---|---|---|---|---|
| Card | USD | 0.7363 | +0.00% | fresh |
| Card | EUR | 0.8574 | +0.00% | fresh |
| Card | JPY | 0.0046 | +0.00% | fresh |
Published card fee
By published card fee, First Direct ranks #2 of 21 banks open to new customers that we track in United Kingdom today.
Chase UK publishes the lowest card fee in United Kingdom today: 0%. See its page →
Where these numbers come from
Card: the ECB reference rate plus the bank's published margin. Transfers: no published data.
Compare First Direct with every bank in the country on the daily United Kingdom table, check what each card charges, or price what your money is worth abroad.
Frequently asked questions
What exchange rate does First Direct use?
First Direct prices card payments via the ECB reference rate plus the bank's published margin. Rates on this page are indicative, derived from published data, and regenerate daily.
What does First Direct charge for card payments abroad?
First Direct publishes a 0% foreign-transaction fee on card payments, verified 2026-06-30.
Is there a cheaper bank than First Direct in United Kingdom?
Yes — as of today, Chase UK publishes the lowest card fee (0%) among banks open to new customers that we track in United Kingdom.
Rates shown are indicative, derived from each bank's publicly published data, and may differ from the final rate applied at transaction time. MyRate FX is independent and not affiliated with any listed bank. No bank pays for position; sponsored links are labeled and never alter ordering.