Foreign ATM and Debit Card Transaction Fees by Bank

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.

• Jump ahead to see NerdWallet’s list of banks that don’t charge foreign transaction fees.

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**
Learn More 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
Read Review	Up to 1%	Up to 1% of amount
Read Review	3%	$5 + 3% of amount
Learn More at Chase, Member, FDIC	3%	$5 + 3% of dollar amount (For balance inquiries at ATMs, it's $2.50.)
Read Review	3%	$2.50 non-Citibank ATM fee + 3% of amount
Read Review	0.8% or 1%, depending on whether there's a currency conversion	$1 + 0.8% or 1% of amount
Read Review	None	$3
Learn More at Union Bank, Member, FDIC	2%	$5
Click here to expand and compare fees at nearly 20 more national and online banks Institution Foreign debit card purchase cost* Foreign ATM withdrawal cost** Read Review 0.8% or 1%, depending on whether purchase made in U.S. dollars or foreign currency 0.8% or 1% of amount Learn More at BB&T, Member, FDIC 3% $5 + 3% of amount (no $5 fee for Texas account holders) Learn More at BBVA USA, Member, FDIC 3% $3 + 1% of amount Learn More at BMO Harris Bank National Association, Member, FDIC 2.8% $3 + 2.8% of amount Read Review 2.8% or 3%, depending on whether purchase made in U.S. dollars or foreign currency $3 + 2.8% or 3% of amount Read Review 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 Learn More 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 Learn More at Fifth Third Bank, Member, FDIC 3.2% (3% for transaction and 0.2% for currency conversion) $5 + 3.2% of amount Learn More at HSBC, Member, FDIC 3% $2.50 + 3% of amount Learn More at M&T Bank, Member, FDIC 50 cents or 3%, whichever is greater $5 or 3% of amount, whichever is greater Read Review Up to 2% Up to 2% of amount Learn More 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 Learn More at Regions, Member, FDIC 3% $5 + 3% of amount Learn More at SunTrust, Member, FDIC Up to 3% $5 + up to 3% of amount Read Review 2% or 3%, depending on whether the purchase is in U.S. dollars or international currency $2.50 + 2% or 3% of amount Read Review 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. Read Review

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

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

Chase • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of dollar amount (ATM balance inquiry: $2.50). Learn More at Chase, Member, FDIC

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

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. Read Review

TD Bank • Debit purchase: None. • ATM withdrawal: $3. Read Review

Union Bank • Debit purchase: 2%. • ATM withdrawal: $5. Learn More at Union Bank, Member, FDIC

Click here to expand and compare fees at nearly 20 more national and online banks Institution Bank5 Connect • Debit purchase: 1%. • ATM withdrawal: 1% of amount. Read Review BB&T • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of amount (no $5 fee for Texas account holders). Learn More at BB&T, Member, FDIC BBVA Compass • Debit purchase: 3%. • ATM withdrawal: $2.50 + 1% of amount. Learn More at BBVA USA, Member, FDIC BMO Harris Bank • Debit purchase: 2.8%. • ATM withdrawal: $3 + 2.8% of amount. Learn More 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. Read Review 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. Read Review 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. Learn More 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. Learn More at Fifth Third Bank, Member, FDIC HSBC • Debit purchase: 3%. • ATM withdrawal: $2.50 + 3% of amount. Learn More at HSBC, Member, FDIC M&T Bank • Debit purchase: 50 cents or 3%, whichever is greater. • ATM withdrawal: $5 or 3%, whichever is greater. Learn More at M&T Bank, Member, FDIC PenFed Credit Union • Debit purchase: Up to 2%. • ATM withdrawal: Up to 2% of amount. Read Review 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. Learn More at Radius Bank, Member, FDIC Regions Bank • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of amount. Learn More at Regions, Member, FDIC SunTrust Bank • Debit purchase: Up to 3%. • ATM withdrawal: $5 + up to 3% of amount. Learn More 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. Read Review Wells Fargo • Debit purchase: 3%. • ATM withdrawal: $5. Read Review

*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. Read Review

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

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

Chase • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of dollar amount (ATM balance inquiry: $2.50). Learn More at Chase, Member, FDIC

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

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. Read Review

TD Bank • Debit purchase: None. • ATM withdrawal: $3. Read Review

Union Bank • Debit purchase: 2%. • ATM withdrawal: $5. Learn More at Union Bank, Member, FDIC

Click here to expand and compare fees at nearly 20 more national and online banks Institution Bank5 Connect • Debit purchase: 1%. • ATM withdrawal: 1% of amount. Read Review BB&T • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of amount (no $5 fee for Texas account holders). Learn More at BB&T, Member, FDIC BBVA Compass • Debit purchase: 3%. • ATM withdrawal: $2.50 + 1% of amount. Learn More at BBVA USA, Member, FDIC BMO Harris Bank • Debit purchase: 2.8%. • ATM withdrawal: $3 + 2.8% of amount. Learn More 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. Read Review 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. Read Review 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. Learn More 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. Learn More at Fifth Third Bank, Member, FDIC HSBC • Debit purchase: 3%. • ATM withdrawal: $2.50 + 3% of amount. Learn More at HSBC, Member, FDIC M&T Bank • Debit purchase: 50 cents or 3%, whichever is greater. • ATM withdrawal: $5 or 3%, whichever is greater. Learn More at M&T Bank, Member, FDIC PenFed Credit Union • Debit purchase: Up to 2%. • ATM withdrawal: Up to 2% of amount. Read Review 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. Learn More at Radius Bank, Member, FDIC Regions Bank • Debit purchase: 3%. • ATM withdrawal: $5 + 3% of amount. Learn More at Regions, Member, FDIC SunTrust Bank • Debit purchase: Up to 3%. • ATM withdrawal: $5 + up to 3% of amount. Learn More 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. Read Review Wells Fargo • Debit purchase: 3%. • ATM withdrawal: $5. Read Review

*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.

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

Read Review

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

Read Review

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,

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

Learn More

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.