Travelling with Rizq

Using ATMs when abroad, Where Rizq cards are accepted, Limits, Fees , & more!

1. Using ATMs when abroad

If you are travelling abroad and will use ATMs, here are some tips to help you:

We won’t block your card if we see you using it in a different country. Instead, we’ll tell you the local exchange rate when you arrive.

  • Some ATMs will charge you a fee for taking out cash (which we don’t receive), so we recommend using a free machine whenever you can.
  • If an ATM or card machine asks which account you’d like to use, we suggest picking ‘credit’, as it’s usually the most reliable.

Have a great trip!

2. Using your Card abroad

We won’t block your card if we see you using it in a different country.

We charge fees when you use your card when abroad

Transactions (Contactless, Chip & Pin, Online) Outside of the UK

All transactions that are performed via your card outside the UK are charged with following fee:

  • 1.25% + £0.20 of the amount spending
  • For example, if you spend £100 when paying for a restaurant, we will use a local currency exchange provided by Visa and charge you 1.25% of the amount you have spent in addition with 0.20 pence

ATM Withdrawals in Rest of the World (SEPA-region and outside of SEPA-region):

  • 1.25% + £0.20 of the amount withdrawing
  • For example, if you decide to withdraw money, we will use a local currency exchange provided by Visa and charge you 1.25% of the amount you have withdrawn in addition with 0.20 pence

You can check your live withdrawal limits any time in your account by:

  • Tapping the Cards icon
  • Tapping Limit
  • If you have Limits set, you will see them on the graph

3. Where are Rizq cards are accepted?

Rizq cards are accepted everywhere (where the POS terminal or ATM accepts Visa). Be aware that due to security and the nature of our business, Rizq cards will not be accepted for non-Sharia purposes such as Gambling.

4. Understanding your limits

Each Rizq account, once opened, will have a limit of transactions and withdrawals up to the amount of £5,000. In some cases, you will need to have your identity verified by our Compliance & Fraud Team and Source of Funds provided.

5. Understanding your fees

If you would like to understand how and when you are charged, please visit our Limits page.