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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.
Oct. 3, 2018
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. (Skip ahead to see banks that don’t charge foreign transaction fees.)

Foreign transaction fees can add up fast — 1% to 3% of the amount of a purchase. Here we compare how much banks (including Chase, TD Bank and Citibank) charge for an international ATM withdrawal or debit card purchase. (Skip ahead for banks with no foreign transaction fees.)

Foreign transaction fees by bank or credit union


InstitutionForeign debit card purchase cost*Foreign ATM withdrawal cost**
Alliant Credit Union

at Alliant Credit Union,

Federally insured by the NCUA

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
Bank of America

at Bank of America,

Member, FDIC

3%$5 + 3% of amount
Chase

at Chase,

Member, FDIC

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

at Citibank,

Member, FDIC

3%$2.50 non-Citibank ATM fee + 3% of amount
Navy Federal Credit Union

at Navy Federal Credit Union,

Federally insured by the NCUA

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

at TD Bank,

Member, FDIC

None$3
Union Bank

at Union Bank,

Member, FDIC

2%$5
InstitutionForeign 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

at BB&T,

Member, FDIC

3%

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


BBVA Compass

at BBVA Compass,

Member, FDIC

3%

$3 + 1% of amount


BMO Harris Bank National Association

at BMO Harris Bank National Association,

Member, FDIC

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


Consumers Credit Union

at Consumers Credit Union,

Federally insured by the NCUA

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


Fifth Third Bank

at Fifth Third Bank,

Member, FDIC

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

$5 + 3.2% of amount


HSBC

at HSBC,

Member, FDIC

3%

$2.50 + 3% of amount


M&T Bank

at M&T Bank,

Member, FDIC

50 cents or 3%, whichever is greater

$5 or 3% of amount, whichever is greater


PenFed Credit Union

at PenFed Credit Union,

Federally insured by the NCUA

Up to 2%

Up to 2% of amount


Radius Bank

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


Regions

at Regions,

Member, FDIC

3%

$5 + 3% of amount


SunTrust

at SunTrust,

Member, FDIC

Up to 3%

$5 + up to 3% of amount


U.S. Bank

at U.S. Bank,

Member, FDIC

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 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.

Foreign fees by institution


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


Alliant Credit Union

at Alliant Credit Union,

Federally insured by the NCUA


Ally
Debit purchase: Up to 1%.
ATM withdrawal:
Up to 1% of amount.


Ally Bank

at Ally Bank,

Member, FDIC


Bank of America
Debit purchase: 3%.
ATM withdrawal:
$5 + 3% of amount.


Bank of America

at Bank of America,

Member, FDIC


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


Chase

at Chase,

Member, FDIC


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


Citibank

at Citibank,

Member, FDIC


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


Navy Federal Credit Union

at Navy Federal Credit Union,

Federally insured by the NCUA


TD Bank
Debit purchase: None.
ATM withdrawal: $3.


TD Bank

at TD Bank,

Member, FDIC


Union Bank
Debit purchase: 2%.
ATM withdrawal: $5.


Union Bank

at Union Bank,

Member, FDIC

Institution

Bank5 Connect
Debit purchase: 1%.
ATM withdrawal:
1% of amount.



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


BB&T

at BB&T,

Member, FDIC


BBVA Compass
Debit purchase: 3%.
ATM withdrawal: $2.50
+ 1% of amount.


BBVA Compass

at BBVA Compass,

Member, FDIC


BMO Harris Bank
Debit purchase: 2.8%.
ATM withdrawal: $3
+ 2.8% of amount.


BMO Harris Bank National Association

at BMO Harris Bank National Association,

Member, FDIC


Citizens Bank
Debit 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 Union
Debit 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 Union
Debit 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.


Consumers Credit Union

at Consumers Credit Union,

Federally insured by the NCUA


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


Fifth Third Bank

at Fifth Third Bank,

Member, FDIC


HSBC
Debit purchase: 3%.
ATM withdrawal: $2.50
+ 3% of amount.


HSBC

at HSBC,

Member, FDIC


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


M&T Bank

at M&T Bank,

Member, FDIC


PenFed Credit Union
Debit purchase: Up to 2%.
ATM withdrawal: Up to 2% of amount.


PenFed Credit Union

at PenFed Credit Union,

Federally insured by the NCUA


Radius Bank
Debit 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.


Radius Bank

at Radius Bank,

Member, FDIC


Regions Bank
Debit purchase: 3%.
ATM withdrawal: $5
+ 3% of amount.


Regions

at Regions,

Member, FDIC


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


SunTrust

at SunTrust,

Member, FDIC


U.S. Bank
Debit 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.


U.S. Bank

at U.S. Bank,

Member, FDIC


Wells Fargo
Debit purchase: 3%.
ATM withdrawal: $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.

Foreign fees by institution


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


Alliant Credit Union

at Alliant Credit Union,

Federally insured by the NCUA


Ally
Debit purchase: Up to 1%.
ATM withdrawal:
Up to 1% of amount.


Ally Bank

at Ally Bank,

Member, FDIC


Bank of America
Debit purchase: 3%.
ATM withdrawal:
$5 + 3% of amount.


Bank of America

at Bank of America,

Member, FDIC


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


Chase

at Chase,

Member, FDIC


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


Citibank

at Citibank,

Member, FDIC


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


Navy Federal Credit Union

at Navy Federal Credit Union,

Federally insured by the NCUA


TD Bank
Debit purchase: None.
ATM withdrawal: $3.


TD Bank

at TD Bank,

Member, FDIC


Union Bank
Debit purchase: 2%.
ATM withdrawal: $5.


Union Bank

at Union Bank,

Member, FDIC

Institution

Bank5 Connect
Debit purchase: 1%.
ATM withdrawal:
1% of amount.



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


BB&T

at BB&T,

Member, FDIC


BBVA Compass
Debit purchase: 3%.
ATM withdrawal: $2.50
+ 1% of amount.


BBVA Compass

at BBVA Compass,

Member, FDIC


BMO Harris Bank
Debit purchase: 2.8%.
ATM withdrawal: $3
+ 2.8% of amount.


BMO Harris Bank National Association

at BMO Harris Bank National Association,

Member, FDIC


Citizens Bank
Debit 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 Union
Debit 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 Union
Debit 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.


Consumers Credit Union

at Consumers Credit Union,

Federally insured by the NCUA


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


Fifth Third Bank

at Fifth Third Bank,

Member, FDIC


HSBC
Debit purchase: 3%.
ATM withdrawal: $2.50
+ 3% of amount.


HSBC

at HSBC,

Member, FDIC


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


M&T Bank

at M&T Bank,

Member, FDIC


PenFed Credit Union
Debit purchase: Up to 2%.
ATM withdrawal: Up to 2% of amount.


PenFed Credit Union

at PenFed Credit Union,

Federally insured by the NCUA


Radius Bank
Debit 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.


Radius Bank

at Radius Bank,

Member, FDIC


Regions Bank
Debit purchase: 3%.
ATM withdrawal: $5
+ 3% of amount.


Regions

at Regions,

Member, FDIC


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


SunTrust

at SunTrust,

Member, FDIC


U.S. Bank
Debit 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.


U.S. Bank

at U.S. Bank,

Member, FDIC


Wells Fargo
Debit purchase: 3%.
ATM withdrawal: $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.

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.

» Want to earn more on your savings? Browse the 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

at Discover,

Member, FDIC

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

at Varo,

Member, FDIC

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 app currently is available for iOS users only.

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