What Banks Charge for Debit Foreign Transaction Fees

The fees are often 1% to 3% of the amount of a purchase or ATM withdrawal.

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Foreign transaction fees can add up fast when using your debit card abroad. The fees are often 1% to 3% of the amount of a purchase, and many banks also apply the fee to ATM withdrawals.

Below, we compare the amount financial institutions charge to make an international ATM withdrawal or debit card purchase.

» Are you looking for information about credit cards? Take a look at how to avoid credit card foreign transaction fees.

Foreign transaction fees by bank or credit union

Institution

Foreign debit card purchase cost*

Foreign ATM withdrawal cost**

Alliant Credit Union

5.0

NerdWallet rating 

1%

1% of amount

Alliant reimburses up to $20 monthly for out-of-network ATM fees (withdrawal fees only; does not apply to 1% fee), including abroad

Ally Bank

4.5

NerdWallet rating 

Up to 1%

Up to 1% of amount

Bank of America

3.5

NerdWallet rating 

3%

$5 + 3% of amount

Chase

3.5

NerdWallet rating 

3%

$5 + 3% of dollar amount

Citi

3.0

NerdWallet rating 

3%

$2.50 non-Citibank ATM fee + 3% of amount

Navy Federal Credit Union

4.0

NerdWallet rating 

1%

$1 + 1% of amount

TD Bank

3.5

NerdWallet rating 

3%

$3 + up to 3%

U.S. Bank

3.5

NerdWallet rating 

2%

$5 + 2%

*Foreign debit card purchase cost refers to foreign transaction fees — often 1% to 3% — and currency conversion fees (if applicable). These fees will typically show up on your monthly statement. **Foreign ATM withdrawal cost refers to out-of-network ATM fees plus any foreign transaction fees (if applicable) Note: Some ATM owners tack on their own fee in addition to what your bank may charge. And people with premium checking accounts might be eligible for certain fee waivers.

Research more about these banks and credit unions at NerdWallet's bank and credit union reviews.

Institution

Foreign debit card purchase cost*

Foreign ATM withdrawal cost**

Bank5 Connect

4.5

NerdWallet rating 

0.8% or 1%, depending on whether purchase made in U.S. dollars or foreign currency

0.8% or 1% of amount

BB&T Bank

3.5

NerdWallet rating 

3%

$5 + 3% of amount

BBVA

4.0

NerdWallet rating 

3%

$3 + 1% of amount

BMO Harris Bank

4.0

NerdWallet rating 

2.8%

$3 + 2.8% of amount

Citizens Bank

3.0

NerdWallet rating 

3%

$3 + 3% of amount

Connexus Credit Union

4.0

NerdWallet rating 

Up to 1.5%

Up to 1.5% of amount

Consumers Credit Union

3.5

NerdWallet rating 

0.8% or 1%, depending on whether purchase was made in U.S. dollars or foreign currency

0.8% or 1%

Fifth Third Bank

3.0

NerdWallet rating 

3.2% (3% for transaction and 0.2% for currency conversion)

$5 + 3.2% of amount

HSBC Direct

3.5

NerdWallet rating 

3% + variable currency conversion fee

$2.50 + 3% of amount + variable currency conversion fee

M&T Bank

3.5

NerdWallet rating 

50 cents or 3%, whichever is greater

$5 or 3% of amount, whichever is greater

PenFed Credit Union

4.5

NerdWallet rating 

Up to 2%

$1.50 + up to 2% of amount

Radius Bank

5.0

NerdWallet rating 

1.1% (0.9% for the transaction plus 0.2% for currency conversion)

1.1% of amount

For eligible accounts, Radius reimburses all fees incurred from ATM usage (but does not include foreign exchange fees), including internationally

Regions Bank

3.0

NerdWallet rating 

3%

$5 + 3% of amount

SunTrust Bank

4.0

NerdWallet rating 

Up to 3%

$5 + up to 3% of amount

U.S. Bank

3.0

NerdWallet rating 

3%

$2.50 + 3% of amount

Wells Fargo

3.5

NerdWallet rating 

3%

$5

Foreign fees by institution

Alliant Credit UnionDebit purchase: 1%. • ATM withdrawal: 1% of amount; Alliant reimburses up to $20 monthly for out-of-network ATM fees (withdrawal fees only; does not apply to 1% fee), including abroad.

Alliant Credit Union High-Rate Savings
NerdWallet rating 
Read review

AllyDebit purchase: Up to 1%. • ATM withdrawal: Up to 1% of amount.

Ally Bank Online Savings Account
NerdWallet rating 
Read review

Bank of AmericaDebit purchase: 3%. • ATM withdrawal: $5 + 3% of amount.

Bank of America Rewards Savings Account
NerdWallet rating 
Read review

ChaseDebit purchase: 3%. • ATM withdrawal: $5 + 3% of dollar amount.

Chase Savings℠
NerdWallet rating 
Read review

CitibankDebit purchase: 3%. • ATM withdrawal: $2.50 non-Citibank ATM fee + 3% of amount.

Citi® Savings
NerdWallet rating 
Read review

Navy Federal Credit UnionDebit purchase: 1%. • ATM withdrawal: $1 + 1% of amount.

Navy Federal Credit Union Basic Savings Account
NerdWallet rating 
Read review

TD BankDebit purchase: 3%. • ATM withdrawal: $3 + up to 3%.

TD Simple
NerdWallet rating 
Read review

Union BankDebit purchase: 2%. • ATM withdrawal: $5 + 2%.

Union Bank Regular Savings
NerdWallet rating 
Read review

*Foreign debit card purchase cost refers to foreign transaction fees — often 1% to 3% — and currency conversion fees (if applicable). These fees will typically show up on your monthly statement. **Foreign ATM withdrawal cost refers to out-of-network ATM fees plus any foreign transaction fees (if applicable) Note: Some ATM owners tack on their own fee in addition to what your bank may charge. And people with premium checking accounts might be eligible for certain fee waivers.

Research more about these banks and credit unions at NerdWallet's bank and credit union reviews.

Institution

Bank5 ConnectDebit purchase: 0.8% or 1%, depending on whether purchase made in U.S. dollars or foreign currency. • ATM withdrawal: 0.8% or 1% of amount.

4.5

NerdWallet rating 

BB&TDebit purchase: 3%. • ATM withdrawal: $5 + 3% of amount.

3.5

NerdWallet rating 

BBVA CompassDebit purchase: 3%. • ATM withdrawal: $3 + 1% of amount.

4.0

NerdWallet rating 

BMO Harris BankDebit purchase: 2.8%. • ATM withdrawal: $3 + 2.8% of amount.

4.0

NerdWallet rating 

Citizens BankDebit purchase: 3%, depending on whether purchase made in U.S. dollars or foreign currency. • ATM withdrawal: $3 + 3% of amount.

3.0

NerdWallet rating 

Connexus Credit UnionDebit purchase: Up to 1.5%. • ATM withdrawal: Up to 1.5% of amount.

4.0

NerdWallet rating 

Consumers Credit UnionDebit purchase: 0.8% or 1%, depending on whether purchase was made in U.S. dollars or foreign currency. • ATM withdrawal: 0.8% or 1%

3.5

NerdWallet rating 

Fifth Third BankDebit purchase: 3.2% (3% for transaction and 0.2% for currency conversion). • ATM withdrawal: $5 + 3.2% of amount.

3.0

NerdWallet rating 

HSBCDebit purchase: 3%. • ATM withdrawal: $2.50 + 3% of amount + variable currency conversion fee.

3.5

NerdWallet rating 

M&T BankDebit purchase: 50 cents or 3%, whichever is greater. • ATM withdrawal: $5 or 3%, whichever is greater.

3.5

NerdWallet rating 

PenFed Credit UnionDebit purchase: Up to 2%. • ATM withdrawal: $1.50 + up to 2% of amount.

4.5

NerdWallet rating 

Radius BankDebit purchase: 1.1% (0.9% for the transaction plus 0.2% for currency conversion). • ATM withdrawal: 1.1% of amount; for eligible accounts, Radius reimburses all fees incurred from ATM usage (but does not include foreign exchange fees), including internationally.

4.5

NerdWallet rating 

Regions BankDebit purchase: 3%. • ATM withdrawal: $5 + 3% of amount.

3.0

NerdWallet rating 

SunTrust BankDebit purchase: Up to 3%. • ATM withdrawal: $5 + up to 3% of amount.

4.0

NerdWallet rating 

U.S. BankDebit purchase: 3%. • ATM withdrawal: $2.50 + 3% of amount.

3.0

NerdWallet rating 

Wells FargoDebit purchase: 3%. • ATM withdrawal: $5.

3.5

NerdWallet rating 

What to do if a fee seems too expensive 

You may want to consider switching to a bank with no foreign transaction fees, listed below. Travelers can also benefit from a credit card that skips these fees, especially if you go abroad frequently.

» See NerdWallet's picks for the best no foreign transaction fee credit cards.

And no matter where you bank, let your financial institution know where you'll be traveling before you depart to avoid any unwarranted fraud alerts on your account.

» Want to earn more on your savings? Browse NerdWallet's list of best high-yield online savings accounts.

Banks with no debit card foreign transaction or ATM fees

Capital One 360

Capital One’s online bank stands apart from many banks because it doesn’t charge a currency conversion fee or a fee for using a foreign ATM network. If an out-of-network ATM operator charges you a fee, however, it won’t be reimbursed by Capital One 360.

Charles Schwab Bank

This brokerage firm’s banking unit doesn't charge a fee when you use its debit card at an ATM overseas. In fact, it offers unlimited reimbursements for ATM fees from cash withdrawals worldwide, regardless of the network used. And it doesn't charge currency conversion fees for debit card transactions.

Discover Bank

Discover doesn’t charge foreign ATM network or foreign transaction fees. But Discover card acceptance can be limited outside of the U.S., Canada, Mexico and some Caribbean nations.

Varo Bank

The mobile-only banking app Varo joins the ranks of other travel-friendly banks. It charges no foreign transaction fees or ATM fees at over 55,000 Allpoint® ATMs. (There is a $2.50 charge on out of network ATMs.)

Chime logo
Learn More

Deposits are FDIC Insured

Chime Spending Account

Chime logo
APY

N/A

Monthly fee

$0

One logo
Learn More

Deposits are FDIC Insured

One Spend

One logo
APY

N/A

Monthly fee

$0

Citibank, N.A. logo
Learn More

Member FDIC

Citi Priority Checking

Citibank, N.A. logo
APY

0.03%

Monthly fee

$30

LendingClub Bank logo
Learn More

Member FDIC

LendingClub Rewards Checking

LendingClub Bank logo
APY

0.10%

Monthly fee

$0

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