Institution	Foreign debit card purchase cost*	Foreign ATM withdrawal cost**
Bank of America 3.8 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$5 + 3% of amount.
Chase 3.3 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$5 + 3% of dollar amount.
Citi 4.1 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$2.50 non-Citibank ATM fee + 3% of amount.
Citizens Bank 3.7 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$3 + 3% of amount.
Fifth Third Bank 3.8 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3.2% (3% for transaction and 0.2% for currency conversion).	$5 + 3.2% of amount.
Navy Federal Credit Union 4.4 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	1%.	$1 + 1% of amount.
TD Bank 3.3 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$3 + 3% of amount.
Wells Fargo 3.7 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$5.
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. People with premium checking accounts might be eligible for certain fee waivers. Learn more about these banks and credit unions in NerdWallet's bank and credit union reviews.

Institution	Foreign debit card purchase cost*	Foreign ATM withdrawal cost**
Alliant Credit Union 4.9 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	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 4.9 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	Up to 1%.	Up to 1% of amount.
BMO Bank 4.1 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	2.8%.	$3 + 2.8% of amount. Starting August 10, 2026, if your account has a “non-BMO ATM transaction” fee, the bank won’t charge the $3 fee for each non-BMO ATM transfer.
Connexus Credit Union 4.2 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	Up to 1.5%.	Up to 1.5% of amount.
Consumers Credit Union 4.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	0.8% or 1%, depending on whether purchase was made in U.S. dollars or foreign currency, respectively.	0.8% or 1%.
LendingClub 4.7 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	1.1% (0.9% for the transaction and 0.2% for currency conversion).	1.1% of amount. LendingClub reimburses all fees incurred from ATM usage, including internationally (but does not include foreign exchange fees). If a fee isn’t automatically reimbursed, reach out to the bank.
M&T Bank 3.5 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	50 cents or 3%, whichever is greater.	$5 or 3% of amount, whichever is greater.
PenFed Credit Union 4.1 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	Up to 2%.	$1.50 + up to 2% of amount.
Regions Bank 3.4 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.	3%.	$5 + 3% of amount.
SoFi	Up to 0.20%.	Up to 0.20%.
U.S. Bank	3%.	$3.00 + 3% of amount.

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What Banks Charge for Debit Foreign Transaction Fees

Banks with no debit card foreign transaction or ATM fees

Capital One 360

Charles Schwab Bank

Varo Bank

Foreign transaction fees by bank or credit union

How do I avoid foreign transaction fees on my debit card?

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