The savviest international travelers carry with them both a no foreign transaction fee credit card and a debit card that also lacks foreign surcharges. The former allows them to take advantage of the low currency conversion rates that VISA and Mastercard are known for as well as the superior fraud protections that credit cards provide. A no foreign transaction fee debit card enables foreign travelers to access cash from ATMs on an as-needed basis, thereby minimizing the risk of carrying lots of cash more
and being the target of pickpockets. Compare the checking accounts offering no foreign fee debit cards below to find the best option for you. In our Expert’s Answers, you can learn everything you need to know about using your debit card abroad. less
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When you open your High Yield Investor Checking account, you’ll be opening a brokerage account at the same time and receiving a separate account number for each. You can view both accounts online with a single login, pay no monthly or low-balance fees, and easily transfer funds between accounts for free.
Domestic wires only (Schwab Bank does not send wires to countries outside the U.S. and its territories).
First 500 combined items per statement cycle are free. $0.50 fee assessed for each item in excess of 500.
When you process an international ATM transaction and the fee is presented separately, Bangor Savings Bank will refund ATM usage fees assessed within three business days. If a separate ATM usage fee is not presented, they will automatically rebate $3.00 for each international ATM transaction.
If the ATM usage fee you pay is more than $3.00 USD, please visit a branch or contact Bangor Support.
You have four options to choose from if you want overdraft service, which is when transactions may be covered if there isn't enough money in your checking account. Your four options are Auto-Decline, Free Savings Transfer, Next Day Grace, and Overdraft Line of Credit. Your default option is Auto-Decline, but you can change your overdraft preference after you open the account.
Auto-Decline: This is your default option for new checking accounts. Under this option, Capital One generally decline all transactions that would take your account into overdraft. A Non-Sufficient Funds (NSF) fee would still be applicable for returned checks only. Pre-authorized transactions, like gas station purchases, may still overdraw your account, but Capital One won't charge a fee when that happens.
Bounced checks written from your account will incur a $9 non-sufficient funds (NSF) fee, regardless of coverage option.
Use over 39,000 Capital One or Allpoint ATMs at zero cost.
Benefit Checking is a non-interest bearing account. No minimum daily balance, no monthly service charge.
Free Bangor Debit MasterCard with Free ATMs Worldwide. Automatic reimbursement of $3.00 for each international ATM transaction.
For certain international ATM withdrawals, due to technical limitations, Bangor Savings Bank cannot automatically reimburse for foreign ATM charges exceeding $3. In such cases, please bring your ATM transaction receipt to any Bangor Savings Bank branch for full reimbursement. Please ask for further details before traveling abroad.
With ATM Rebate Checking, there are no access fees at virtually all ATMs worldwide and First Republic Bank rebates ATM access fees charged by other institutions. You can also earn interest on balances of $3,500 or more.
ATM withdrawal fees rebated from other banks worldwide for hassle-free banking wherever you travel.
Free access at thousands of TD ATMs in the U.S. and Canada.
When using your TD Debit Card while in a foreign country, TD Bank does not charge any foreign transactions fees. When converting the funds to US Dollars, TD Bank will not charge you a fee or percentage.
At the end of each statement cycle, you will be paid a $.15 cash-back reward for every qualifying debit card purchase and direct deposit that posts and clears your account.
Cash-Back Rewards limited to $50 per statement cycle. If your statement cycle falls on a weekend or a holiday, it will end on the previous business day. Account must be maintained in good standing to earn rewards. All rewards are reported to the IRS as interest income.
Free ATMs worldwide.
Free ATMs at over 200 Maine Cash Access locations.
By: Richie Bernardo, Personal Finance Reporter
As long as your debit card is branded with a VISA or Mastercard logo, you can use it to pay for purchases from any merchant location in the world and any ATM where that credit card network’s logo is displayed.
To avoid other complications using your debit card abroad, follow these tips:
Bring Identification: Many foreign merchants will request your ID if you make a purchase with your debit card. And some of them won’t accept a foreign ID that isn’t government-issued, so carry your passport with you if you plan to use your debit card for purchases.
Keep Your PIN Short: In many countries, some older cash machines will only accept four-digit PINs. If your current PIN is longer, you should change it to four numbers before departing for your trip to avoid withdrawal issues.
Notify Your Bank Of Your Travels: To be certain that your card will work abroad, before departing you should tell your bank which countries you will be visiting. Otherwise, your bank may block purchases and withdrawals they regard as suspicious. You may be able to set a travel notification in your bank’s online banking system. If not, give them a call or stop by a branch.
Request A Contact Number: Ask for your bank’s toll-free or collect-call number to reach them in case you encounter problems during your travels.
What Are The Charges For Using A Debit Card Abroad & How Do I Avoid Them?
By: Richie Bernardo, Personal Finance Reporter
The typical costs of using a debit card abroad vary, but the table below provides an idea of what to expect.
Cost Per Transaction
How To Avoid It
Foreign Transaction Fee
Get a no foreign transaction fee debit card that also waives/reimburses foreign ATM fees from a bank with global ATM networks. Click on the details of each checking account above to find out if these are options.
Refuse every offer at the cash register or ATM to convert your transaction total in dollars (or other home currency).
There are other ways to circumvent international ATM charges on your debit card, including the following:
Limit Your Withdrawals: Although it’s advisable not to carry wads of cash with you overseas, it’s a good idea to estimate how much cash you’ll need before making a withdrawal abroad. Making a one-time withdrawal versus several can save you a hefty sum if your bank charges foreign ATM fees.
Pay With Plastic: Making purchases with a no foreign transaction fee credit card or debit card will reduce your need for cash — and thereby reduce the ATM fees you’ll pay for withdrawing money.
Don’t Make Balance Inquiries At ATMs: Checking your balance at a foreign ATM might be treated by that machine as a withdrawal. Consequently, you might be charged a foreign ATM fee and foreign ATM owner surcharge simply for inquiring about your balance. Using your financial institution’s online banking service at a cyber cafe or on your cell phone might be a better option.
What Is the Best Debit Card for International Travel?
By: Richie Bernardo, Personal Finance Reporter
The best debit cards to use abroad are listed on this page, as none of them charges a foreign transaction fee. However, the “best” for you also depends on how well a particular card addresses your individual needs and fits with your spending patterns, so compare the features of each checking account above. If you want to earn interest on your balance, for instance, you can do so with a Charles Schwab High Yield Investor Checking Account while enjoying unlimited rebates on ATM transactions worldwide.
Keep in mind that you won’t be charged foreign transaction fees on the cards above, but an independent ATM owner may still assess a surcharge.