Are UK debit cards accepted in Gibraltar?
Short answer
Yes. UK debit and credit cards are widely accepted in Gibraltar's shops, restaurants and hotels, and payments are taken in pounds sterling. Gibraltar is outside the UK, so check whether your bank charges overseas fees there, especially for cash withdrawals.
Detailed answer
Yes. Visit Gibraltar says all major credit cards are widely accepted in shops, restaurants and hotels, and UK debit cards are used in the same way. Gibraltar's currency is the pound sterling, so card payments are taken in pounds and no currency conversion is needed. Gibraltar is outside the UK, however, and some UK banks apply their overseas charges there. Ulster Bank, for example, charges a 2.65% Non-Sterling Transaction Fee on cash withdrawals made outside the UK, with an exemption for sterling withdrawals at its own group's branches in places including Gibraltar. Charges vary between banks, so check your bank's tariff or app before you travel. For cash, Gibraltar International Bank runs eight cash machines around the town, available 24 hours a day. They also offer euro withdrawals, with the exchange rate shown on screen before you confirm, and your bank may charge its foreign currency fee on these. Change from cash payments may be given in Gibraltar notes. These are worth the same as UK pounds, but UK shops do not accept them, so spend them before you leave or ask for Bank of England notes.