Foreign ATM and Debit Card Transaction Fees by Bank

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

Spencer Tierney, Jeanne LeeOctober 3, 2018

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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.

Foreign transaction fees by bank or credit union

Institution

Foreign debit card purchase cost*

Foreign ATM withdrawal cost**

1%

1% of amount

Alliant reimburses up to $20 monthly for out-of-network ATM fees, including abroad

Up to 1%

Up to 1% of amount

3%

$5 + 3% of amount

Chase Savings℠

at Chase,

Member FDIC

3%

$5 + 3% of dollar amount (For balance inquiries at ATMs, it's $2.50.)

3%

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

0.8% or 1%, depending on whether there's a currency conversion

$1 + 0.8% or 1% of amount

3%

$3

Union Bank SAV2.5K

at Union Bank,

Member FDIC

2%

$5

*Foreign debit card purchase cost refers to foreign transaction fees — often 1% to 3% — and currency conversion fees (if applicable). **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**

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

0.8% or 1% of amount

BB&T eSavings

at BB&T,

Member FDIC

3%

$5 + 3% of amount (no $5 fee for Texas account holders)

3%

$3 + 1% of amount

2.8%

$3 + 2.8% of amount

2.8% or 3%, depending on whether purchase made in U.S. dollars or foreign currency

$3 + 2.8% or 3% of amount

Up to 1.5%

$2 + up to 1.5% of amount

No fees for the first four to six ATM withdrawals, depending on the account

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

$1 + 0.8% or 1%

No fee for the first six ATM withdrawals each month

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

$5 + 3.2% of amount

3%

$2.50 + 3% of amount

M&T Bank SAV2.5K
NerdWallet rating 

at M&T Bank,

Member FDIC

50 cents or 3%, whichever is greater

$5 or 3% of amount, whichever is greater

Up to 2%

Up to 2% of amount

Radius Bank Rewards Checking

at Radius Bank,

Member FDIC

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

1.1% of amount

Radius reimburses all fees incurred from ATM usage, including internationally

3%

$5 + 3% of amount

SunTrust Select Savings

at SunTrust,

Member FDIC

Up to 3%

$5 + up to 3% of amount

2% or 3%, depending on whether the purchase is in U.S. dollars or international currency

$2.50 + 2% or 3% of amount

3%

$5

Foreign fees by institution

Alliant Credit UnionDebit purchase: 1%. • ATM withdrawal: % of amount; Alliant reimburses up to $20 monthly for out-of-network ATM fees, including abroad.

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

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

ChaseDebit purchase: 3%. • ATM withdrawal: $5 + 3% of dollar amount (ATM balance inquiry: $2.50).

Chase Savings℠

at Chase,

Member FDIC

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

Navy Federal Credit UnionDebit purchase: 0.8% or 1%, depending on whether there's a currency conversion. • ATM withdrawal: $1 + 0.8% or 1% of amount.

TD BankDebit purchase: None. • ATM withdrawal: $3.

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

Union Bank SAV2.5K

at Union Bank,

Member FDIC

*Foreign debit card purchase cost refers to foreign transaction fees — often 1% to 3% — and currency conversion fees (if applicable). **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: 1%. • ATM withdrawal: 1% of amount.

BB&TDebit purchase: 3%. • ATM withdrawal: $5 + 3% of amount (no $5 fee for Texas account holders).

BB&T eSavings

at BB&T,

Member FDIC

BBVA CompassDebit purchase: 3%. • ATM withdrawal: $2.50 + 1% of amount.

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

Citizens BankDebit purchase: 2.8% or 3%, depending on whether purchase made in U.S. dollars or foreign currency. • ATM withdrawal: $3 + 2.8% or 3% of amount.

Connexus Credit UnionDebit purchase: Up to 1.5%. • ATM withdrawal: $2 + up to 1.5% of amount. No fees for first four to six ATM withdrawals, depending on account.

Consumers Credit UnionDebit purchase: 0.8% or 1%, depending on whether the purchase involves one or two currencies (U.S.-only or U.S. and foreign currency). • ATM withdrawal: $1 First six ATM withdrawals each month are free.

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

HSBCDebit purchase: 3%. • ATM withdrawal: $2.50 + 3% of amount.

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

M&T Bank SAV2.5K
NerdWallet rating 

at M&T Bank,

Member FDIC

PenFed Credit UnionDebit purchase: Up to 2%. • ATM withdrawal: Up to 2% of amount.

Radius BankDebit purchase: 1.1% (0.9% for the transaction plus 0.2% for currency conversion). • ATM withdrawal: 1.1% of amount; Radius reimburses all fees incurred from ATM usage, including internationally.

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

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

SunTrust Select Savings

at SunTrust,

Member FDIC

U.S. BankDebit purchase: 2% or 3%, depending on whether the purchase is in U.S. dollars or international currency. • ATM withdrawal: $2.50 + 2% or 3% of amount.

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

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. (Read NerdWallet's guide on how to choose a no foreign transaction fee credit card.)

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

Varo Bank Account

at Varo,

Deposits are FDIC Insured

The mobile-only banking app Varo joins the ranks of other travel-friendly banks. It charges no foreign transaction fees or ATM fees on its federally insured bank accounts. The full mobile banking experience is available on the iOS app; the Android app currently lacks certain features.

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