2.5% charge, minimum of 2 pounds
2.5% charge for withdrawls and transactions with the card, plus
2.99% foreign exchange charge
overseas transaction is less likely to be blocked overseas, but this is not gauranteed.
€1k was converted from £912.24 on 2009-07-31,
the exchange rated was £1 = €1.096
no ID needed when taking money from my bank account using a debit card, just needed to sign a piece of paper.