Fees for spending and withdrawing abroad

With Apex, everyday card spending abroad is fee-free on the Standard plan, and you'll get the real exchange rate with no markup — no hidden margins baked into the rate. ATM withdrawals abroad are free up to £200 per 30 days on Standard; after that, a 2% fee applies. Plus and Premium plan holders get higher or unlimited free withdrawal allowances. Note that some ATM operators charge their own fee regardless of your bank — that's outside our control, but we'll always show you the amount before you confirm the withdrawal.