Your bank must charge you the same rate for payments in euro across the EU as it does for equivalent national transactions.

This includes any:

• transfers between bank accounts in different EU countries
• withdrawals from cash machines/ATMs in EU countries
• payments by debit or credit card across the EU
• direct debit transactions

Banks based in EU countries outside the euro area must also apply this rule, and may not charge more for a payment in euros to/within another EU country than they do for a domestic payment in the national currency.

Financial products and services