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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. A few banks charge no foreign transaction fees.
Banking, Checking Accounts
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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, including Chase, TD Bank and Citibank, charge a person with a basic checking account to make an international ATM withdrawal or debit card purchase.

Note that some banks don’t charge these fees at all. (Skip ahead to see banks that don’t charge foreign transaction fees.)

Foreign transaction fees by bank or credit union

InstitutionForeign debit card purchase cost*Foreign ATM withdrawal cost**

Chase Bank

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

Ally Bank

Up to 1%Up to 1% of amount

TD Bank



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

Bank of America

3%$5 + 3% of amount

Navy Federal Credit Union

0.8% or 1%, depending on whether there's a currency conversion$1 + 0.8% or 1% of amount

Union Bank


Alliant Credit Union

1%1% of amount

Alliant reimburses up to $20 monthly for out-of-network ATM fees, including abroad
InstitutionForeign debit card purchase cost*Foreign ATM withdrawal cost**

Aspiration Bank


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

1.1% of amount

Aspiration fully reimburses all fees incurred from ATM usage, including internationally

Bank5 Connect



1% of amount



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

BBVA Compass



$2.50 + 1% of amount

BMO Harris


$3 + 3% of amount

Citizens Bank


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

$3 + 2.8% or 3% of amount

Connexus Credit Union


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

Consumers Credit Union



$2 + 2% of amount

Fifth Third Bank


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

$5 + 3.2% of amount



$2.50 + 3% of amount

M&T Bank


Greater of 50 cents or 3%

Greater of $5 or 3% of amount

Nationwide Bank

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

$1.50 + 0.8% or 1% of amount

Pentagon Federal Credit Union


Up to 2%

Up to 2% of amount

Radius Bank


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

Regions Bank



$5 + 3% of amount

SunTrust Bank

Up to 3%

$5 + up to 3% of amount

U.S. Bank


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

$2.50 + 2% or 3% of amount

Wells Fargo Bank




*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.

Fees seem 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 about 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.

Banks with no debit card foreign transaction or ATM fees

Capital One 360

Read full review
on NerdWallet
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

Learn more
at Charles Schwab
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

Learn more
at Discover
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.

Updated Sept. 7, 2017.

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