Best UK debit cards for online shopping: Top 6 picks in 2025

Shopping online is part of everyday life for many people, but not every debit card is built to keep up. Some offer cashback, others provide extra security and some help you avoid fees on international purchases, so choosing the right card can help you get more value every time you shop.

In this guide, we’ll showcase some of the best debit cards for online shopping available in the UK. We’ll highlight their fees, features and benefits to help you find the perfect fit for your spending habits.

We’ll also show you a helpful alternative, the Wise card, from the money services provider Wise. It’s an international debit card linked to your Wise account. You can use it for spending in 40+ currencies, automatically converting your pounds at the mid-market exchange rate. There’s only a tiny, transparent conversion fee*, or none if you already hold the local currency in your Wise account.

🔎 Learn more about the Wise card

The 6 best UK debit cards for online shopping – Overview

Finding a debit card that works well for online shopping isn’t always straightforward, especially since there are so many options out there. To help you decide, we’ve reviewed some of the best options and arranged them by monthly fee:

Chase debit card

The Chase Bank current account comes with a linked debit card that can help you save money as you spend. Currently, you’ll earn 1% cashback on everyday purchases, so if you order groceries online, some money will be added back to your account.¹

There’s no monthly fee to worry about, making this card a solid choice for budgeting. Plus, you won’t be charged any foreign transaction fees when you shop on international websites.¹

You can also take advantage of their Round-ups feature, which rounds up your spending to the nearest pound and pays 5% AER interest on the rounded-up amount. Interest is paid monthly, so the more you spend, the more you’ll earn back.¹

Revolut Standard debit card

Using Revolut’s Standard debit card for online shopping is a smart way to save a little extra as you spend. For every £10 you spend, you earn one RevPoint that you can cash in through the app for a variety of perks. These rewards include airline miles and deals on places to stay when you travel.²

Revolut is also known for keeping your money safe, especially when shopping online. When you use their disposable card feature, the card details change automatically after each purchase. That means even if someone tries to steal your info, it won’t work because the details have already been updated. It’s a handy way to shop online with extra peace of mind.³

Starling Bank debit card

Starling’s current account comes with a debit card that’s a great choice for online shopping, especially if you’re trying to stick to a budget. With no monthly fees and no charges on international transactions, you can shop from websites around the world without worrying about extra costs.⁴

Starling’s Spaces feature works like a virtual savings jar that you can set up for different goals. Each time you use your Starling debit card, the spare change from your transaction can be added to a Space, helping you save for future shopping sprees.⁴

You can create multiple virtual cards tied to each Space, which means you can shop securely while keeping your spending under control. When you’re ready, simply top up the Space to use the card again. Plus, if your spending increases, you can request an overdraft of up to £5,000 to cover your expenses.⁴

Royal Bank of Scotland Reward debit card

One of the best debit cards for online shopping is Royal Bank of Scotland’s Reward debit card. Whenever you shop with this card at RBS partner retailers, you earn 1% back in rewards. You can choose to have these rewards paid straight back into your account, redeem them as eGift cards or even donate them to charity if you prefer.⁵

If you don’t already have an RBS current account, switching over is straightforward with their Current Account Switch Service, and you could get a £175 bonus just for making the switch. Another easy way to earn rewards is by logging into the RBS app every month.⁵

To be eligible for this account, you’ll need to pay in at least £1,250 each month. There is also a £2 monthly fee to consider.⁵

Halifax Reward debit card

Next up among the best debit cards for online shopping is the one linked to Halifax’s Reward current account. While this card comes with a £3 monthly fee, it offers plenty of valuable perks in return.⁶

The Halifax Reward debit card doesn’t charge any foreign transaction fees, so shopping internationally won’t cost you extra. When it comes to rewards, you can earn up to 15% cashback at selected retailers.⁶

You can boost your savings further with their Save the Change® feature, which rounds up each transaction to the nearest pound and transfers the spare change directly into your savings account.⁶

TSB Spend & Save Plus debit card

The Spend & Save Plus debit card offers cashback, rewards and a range of additional benefits. You can earn £5 cashback each month, simply by making 20 transactions within that month. There’s no need to do anything extra, and there’s no minimum spending requirement to qualify.⁷

As a cardholder, you’ll also gain access to TSB’s rewards programme. This lets you choose from a variety of perks such as free skincare products, discounts on clothing and food and even holiday deals, giving you plenty of ways to make the most of your spending.⁸

Managing your money is made easier with features like savings pots where you can set aside funds for your goals. If you ever need a little extra flexibility, there’s the option to apply for an overdraft, subject to approval. On top of that, the digital version of your debit card lets you shop online with added security and convenience.⁷

Top online shopping benefits and perks to look for in a debit card

If you’re wondering what to prioritise when choosing a debit card for online shopping, here are some features to keep in mind:

• Low monthly fees
• Cashback or rewards on spending
• No foreign transaction fees for shopping internationally
• Strong purchase and fraud protection
• Virtual cards that make online payments safer

Online shopping made easy with the Wise card

If you want a cost-effective and secure way to shop online, the Wise card could be exactly what you need. It offers low fees* and strong security, making it a smart choice for everyday spending.

Open a Wise account online and you can order the Wise card for a one-time fee of £7. You can use this clever card to spend in 40+ currencies. It automatically converts your pounds to the local currency at the mid-market exchange rate whenever you shop internationally. There’s only a small, transparent conversion fee*, or no fee at all if you already have the local currency in your Wise account.

You can also get the Wise virtual card for free, which adds another layer of security to your online shopping. Your global virtual card number is different from your physical Wise card number, plus you can freeze your virtual card after each purchase to keep your details safe.

✅ Sign up with Wise for free

Sources used:

Sources last checked on date: 26-Sep-2025