Credit/Debit/ATM Cards and Foreign Exchange

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The following is a summary of considerations and fees incurred when using debit and credit cards in foreign countries . The page is a summary of a thread on [1]

Debit and credit cards can be used to withdraw cash from automatic teller machines (ATMs) and to make purchases at stores, restaurants, and hotels where they are accepted.

Acceptance of debit and credit cards at point of sale

The acceptance of debit and credit cards varies by country, with acceptance generally being more common in more developed countries, and close to non-existant in non-developed countries. By far, the most accepted cards worldwide are VISA and MasterCard. American Express and Diners Club cards have global networks but acceptance varies widely depending by country and merchant. Most other payment networks such as Diners Club, Discover, JCB, NYCE, Star, MAC, and Shazam are regional, not global, and are rarely accepted outside of the region they are issued in, and, even then, acceptance is often limited to areas catering to visitors from that region.

Acceptance of debit and credit cards at ATMs

Mastercard, VISA, Cirrus, and Plus are accepted at nearly all ATMs worldwide.

Some developing countries either have no ATMs, very limited ATMs, or are not connected to the international networks. This includes Burma in South-East Asia, as well as parts of Africa. In Japan, most bank ATMs don't work with international cards (the cards are even an incompatible size), and you need to look for a post office, 7/11 or Citibank ATM. In certain countries, not every ATM accepts foreign credit or debit cards.

Generally, only the main bank account linked to a debit card can be accessed at ATMs outside of your home country; second accounts linked to a card cannot be accessed.

Debit cards compared to credit cards

Debit cards are linked directly to a bank account and immediately deduct the amount of the purchase or withdrawal from the account. Credit cards are cards that are not linked to a bank account, but that instead charge against a credit line, which must be repaid at a later date. If the charges are not repaid before the end of a grace period (usually 0-25 days), interest will be charged.

  • When using an ATM to withdraw cash, it is much more expensive to use a credit card than a debit card. If you withdraw from an ATM using a credit card, you will typically be charged a cash advance fee of ~3% on top of foreign exchange fees (see below). In addition, most card issuers will start charging interest on your cash advance the day you withdraw money from an ATM (i.e., they won't give you a grace period) unless you have a credit balance on your account. In addition, the interest rate for cash advances is generally much higher than for purchases. In most cases, cash advances are limited to a small portion of your overall credit line.
  • When making a point-of-sale purchase, notwithstanding the fees (see below), it is usually better to use a credit card than a debit card, since if your card is stolen you can easily dispute the charges on a credit card and simply switch to using another credit card for the duration of your trip, while a stolen debit card may lead to an overdrawn bank account requiring many additional hassles. Credit card companies will also protect you if you are charged more than you agreed to pay, if you pay for something and never receive it, or if your card is cloned (duplicated) without your knowledge and then used for fraud without being physically stolen. For this reason some experts do not recommend using debit cards except at ATMs.
  • Credit cards also may include other benefits such as cancellation insurance for flights (usually only in the case of serious sickness), theft or loss insurance for goods (usually only if stolen within 90 days of purchase and a proper police report is filed), collision insurance for rental cars, and emergency health insurance in certain situations while you are travelling.
  • Many (but not all) ATM cards are also PIN-only debit cards; these do not have the Visa or Mastercard logo. They can not only be used to withdraw cash at ATMs, but can also be used for PIN-based point-of-sale purchases at certain merchants with PIN pads. Because these cards always require a PIN regardless of the type of transaction, they are somewhat safer than cards with the Visa or Mastercard logo as those cards can be used to make purchases without PIN authentication. Keep in mind, however, that Visa- and Mastercard- based debit cards are processed as credit cards when a PIN is not used; therefore, the cardholder has more protection under the law and less liability when signature-based "credit" purchases are made.
  • Credit cards may provide rewards programs that give you free flights or cash back after a certain amount of spending. The cards may be linked to a frequent flyer program.
  • If you have an American Express card, in case of a lost or stolen card, you can obtain cash advances and replacement cards easily, by visiting an American Express Office.

Considerations When Traveling With Debit and Credit Cards

  • Travel with one primary debit or credit card as well as a backup card from a different issuer, in case you have trouble with your primary card. Clear your wallet of additional credit or debit cards -- these will only cause you more headaches if your wallet is lost or out of your control. Also, it is a good idea to carry around only the card you will usually be using and keep the backup cards in a safe location where you are staying, providing further safeguards in case you are robbed or lose your belongings.
  • You may have to get international ATM support specifically activated for your debit or credit card. In addition, some banks will stop your card if they notice sudden transactions in a foreign country. It is best to notify the bank beforehand and get a note added to your account so it does not get passed through their fraud section. Be sure to add the bank/issuer hotline numbers to your mobile phone before you depart so that you don't have to scramble if your card is lost or stolen. Do not include your credit card numbers - the bank can easily find them when you call.
  • Consider getting an ATM-only bank card with no debit feature, i.e. no visa/mc logo. In the event of theft you will have much lower risk that your bank account will be looted as ATM-only cards cannot be used at merchants.
  • Be sure you know the PIN for each of your debit and credit cards, in case of an emergency. Many people are not able to access cash using their card because they forget the PIN code. PIN code lengths vary from country to country, but up to six digits are usually accepted anywhere on the Plus/Cirrus networks. If you have a six-digit PIN and six digits don't seem to work, try entering just the first four numbers of your PIN, or find another ATM. If the ATM requires 6 digits and you have only 4 digits in your PIN, enter 00 as the last two digits. If your PIN is based "word based" know its numeric equivalent. Many ATMs outside the USA have no letters to correspond with the numbers. (example: "CASH" = 2274)
  • In most countries, you are not responsible for any expenses made on your debit and credit card that occur after you report it lost or stolen.
  • Use of credit and debit cards is not recommended in a few countries due to high potential for fraudulent misuse, e.g. Nigeria. It is recommended that you consult with experts at FlyerTalk and Tripadvisor prior to using cards in certain under-developed countries.
  • In case of an emergency, you can use Western Union or MoneyGram to wire yourself some money using your debit or credit card (if you know the numbers). However, exorbitant fees will apply. XOOM is an excellent option for sending $$$ anywhere in the world...often within 15 minutes (if it is linked to a debit card acct with cash in it. XOOM transfers have very reasonable fees (lower than Western Union) for example: $3,000 can be sent for a $30 fee. XOOM is also very quick and easy to set up. You can use XOOM to send money to anyone or YOURSELF (like an ATM withdrawal). All the recipient has to do is show up at the the chosen bank (most banks are affiliated with XOOM) and present proper ID to pick up the $$$.
  • Be sure to carry some cash if you can. Many credit cards issued in Western Europe (such as France) as well as Japan feature a chip and PIN system, where credit cards all have a chip built in and you have to type your PIN code into a reader instead of signing a receipt. All stores that display the Visa, Mastercard, or Amex logos must also accept the sign-and-swipe version of the credit cards; however, some may initially refuse to do so (be persistent, ask for the manager if necessary). With self-service vendors such gas pumps and ticket vending machines, you may be out of luck.

Additional considerations regarding fees

Transaction fees can be charged by the merchant, the ATM-owner, the bank that issued the card, and through an unfavorable exchange rate.

  • In many cases, the foreign transaction fees are included in the exchange rate, or purchase or withdrawal amount. They are hidden but they are in fact being charged. Foreign transaction fees are generally between 2-3 percent of the amount of your purchase. This can add up to a lot over time, so if you plan on traveling for an extended period it may be worth applying for a credit card with no foreign transaction fee before your trip. Capital One is the issuer that offers the most cards with no foreign transaction fee by far.
  • The exchange rate applied to a transaction is usually the rate on the transaction posting date, which can be up to 10 days after the actual transaction date. Therefore, unless currency prices are fixed, it is impossible to know exactly what exchange rate will be charged until the transaction is posted to your account.
  • Visa and MasterCard, the most widely accepted credit card networks worldwide, offer the best exchange rates, according to an Exchange Rate Study by The study not only found that no international fee credit cards on the Visa and MasterCard networks serve as the best tools for spending money abroad, but also that they save international travelers an average of 7.9% relative to major banks and 14.7% as compared to an airport service on U.S. dollar-to-Euro exchanges. Even if one uses a credit card with the maximum 3% foreign transaction fee, he or she will still save 4.9% and 11.7% as compared to banks and airport companies, respectively.
  • If you are staying for a long time in a single country, you may save on fees by opening a local bank account and obtaining a local ATM card. You will usually need a local mailing address and you may need a valid residence permit.
  • When making point-of-sale purchases, most US-issued Visa/MC debit cards can only be used in "credit" mode (i.e., swipe-and-sign, as opposed to PIN-based "debit" mode). In addition, if you are faced with a situation where a PIN is required (such as certain unmanned train ticket kiosks in Europe), it is certainly better to use a debit card than a credit card, as PIN-based transactions with a credit card usually incur hefty cash advance fees (in addition to any foreign exchange fees).
  • When you are paying by Visa or Mastercard, some merchants will offer to convert your transaction into your home currency ("'Dynamic Currency Conversion'"). If this offered, you should decline it, as an exorbitant exchange rate of 7% may be charged [2]. Always check your receipt, and if you see anything involving your home currency in a country that doesn't use that currency, ask the merchant to re-do the transaction in the local currency. If the merchant insists that the conversion is automatic, it is worth arguing or reporting the incident to your credit card company. Visa "requires the merchant to disclose the fee and must provide the consumer with a choice" of getting the bill in the customer's home currency or the local currency.
  • Foreign currency transaction fees will be charged if the merchant uses a foreign bank, even if the transaction is made in your home currency. For example, when making an online purchase on the US website of British Airways, a US cardholder will be charged a foreign transaction fee even if the purchase is made in US Dollars.

Schedule of foreign transaction fees by bank for debit and credit cards

The information below may contain errors. The authors of this page and owners of this website make no warranty as to the accuracy of this information. Please check with your card issuer before using your card overseas, and if you find the information is in error please email us or edit the page yourself.

The fees below inlcude the fees charged by the bank as well as the payment network; however, they do not include cash advance fees.

Debit and Credit Cards Issued in the United States
Debit Cards Credit Cards
Card Issuer Network ATM Fee Point of Sale Fee Point of Sale Fee Notes
Addison Avenue Federal Credit Union Visa 1% 1% 0% Must be an employee of certain companies or a member of the Financial Fitness Association (one-time $5.00 fee). [3]. Confirmed via CSR
Affinity Federal Credit Union MC 1% 1% 1% Must be an employee of certain companies [4]
Alliant Credit Union Visa / Plus 1% 1% 1%
Ally Bank Visa/Cirrus/Star / MC/Star 1% (0.8% over Cirrus/MasterCard in USD) 1% (0.8% over MasterCard in USD) N/A Reimburses unlimted U.S. ATM-owner fees monthly. As of June 18, 2011, the revised fee schedule excludes international ATM transactions from those that are reimbursed. $500/day limit on ATM withdrawals, cash advances, and POS cash back; additional $2,500/day limit on purchases. Fee may be less than 1% on ATM transactions processed over the Star network.
American Bank Online Visa / Plus 1% 1% 1% [5] Reimburses ATM-owner fees up to $6 per month [6] for e-checking account holders); n.b.: blocks ATM access to funds if traveling in certain countries (e.g. China, Hong Kong). call customer service before traveling.
American Express AmEx N/A N/A 2.7% for personal cards; 2.5% for corporate cards. 0% for US Platinum and Centurion cardholders.
Associated Credit Union Visa 0% 0% 0% for Visa Platinum Preferred
Banco Popular Visa / MC 1% 1% 1% Valid only for residents of Puerto Rico and the US Virgin Islands doing business with branches in those jurisdictions.
Bancorp South Visa / MC 3% 3% 3%
Bangor Savings Bank MC 0% 0% Reimburses unlimited ATM-owner fees worldwide within three business days. [7] Requires at least part-time residence in Maine.
Bank Direct Visa 1% for ATM-only card (not Visa); 1% for Visa 1% Reimburses up to 4 ATM-owner fees per month [8] worldwide. ATM-only card is on the CIRRUS network. td>
Bank of America Visa / Plus 1% at banks in the Global ATM Alliance [9]; 1% + $5 per transaction at other banks 3% 3% for most cards [10]; 2% for AAA Visa; 4% for OSU Alumni MC; 4% for Platinum Plus MC, Visa Signature Fees may be waived for Premier Banking and Private Clients with a call to customer service.
Bank of Internet Visa / Plus 1% [11] 1% [12] N/A $5,000 average daily balance necessary to avoid $7.50 monthly fee. Reimburses ATM-owner fees up to $8/month, however, ATM fees from non-US ATMs are not reimbursed. $300/day limit on ATM cash withdrawals and $500/day limit on purchases. Credit cards are issued by Elan.
Bank of the West MC 2% 2% 2% [13]
Barclays MC 3% for most cards; 1% for Harvard Alumni Association World MC; 2% for Ameriprise World Elite MC
BB&T Visa 3% plus $5 per transaction 3% 3%
BMW Bank Visa N/A N/A 2% [14] Cards opened prior to March, 2007 may be grandfathered at 0% fee. Call to inquire regarding your account.
Busey Bank MC 0% 0% 3% [15] Requires residence in Florida or Illinois. Credit cards are issued by Elan.
Capital One MC 0% + $1.50 per transaction 0% [16] 0% [17] $600/day limit on ATM withdrawals. Security software is known for blocking card use overseas unless a call to customer service is made beforehand. If you use the credit card for cash withdrawal there is a $10 fee per transaction.
Chase Visa / MC 3% + $5 per transaction 3% 3% [18]; 0% for Chase Hyatt Visa ($75 annual fee); 0% for British Airways Visa ($95 annual fee); 0% for Priority Club Rewards Visa Signature [19] ($49 annual fee after 1st year); 0% for Presidential Plus MasterCard [20] ($395 annual fee); 0% for Chase Sapphire Preferred ($95 annual fee, waived the first year)
Citibank MC / Cirrus 3% + $2.00 per transaction for all accounts except for Citigold, Private Bank, International Personal Banking and Global Executive Banking customers which pay 0% 3% for all accounts except Citigold, Private Bank, International Personal Banking and Global Executive Banking customers which pay 0% 3% [21]
0% ThankYou Premier Card (and higher?) [22]
$2.00 fee is waived at Citi ATMs and may not apply to accounts opened online by people living in counties in which there are no Citibank ATMs. $1,000/day limit on cash withdrawals and purchases. 3% fee also applies to charges in USD made outside the USA.
Citizens Bank Visa & MC (NYCE / Star) 3% 3% Debit Cards issued as Visa Debit. Credit Cards issued as Mastercard. Non-Circle Checking accounts are subject to ATM fees.
City National Bank Visa /MC
Comerica Visa 3% +$5 [23] 3% [24] N/A Credit cards are issued by Elan.
Coulee Bank Visa 0% 0% 0% Must reside in Wisconsin, Minnesota or Iowa. Must have the Rewards Checking account and the associated Visa Debit card. Must meet Rewards Checking requirements [25] Rebates up to $20/month in domestic ATM fees as long as the ATM is set up correctly and the fee is separate from the withdrawal amount. Does not rebate fees on foreign ATMs, but doesn't charge any additional fees.
Department Stores National Bank Visa N/A N/A 1%
Department Stores National Bank AmEx (replacing Visa) N/A N/A 3% [26]
Digital Federal Credit Union Visa / Cirrus / CO-OP / NYCE 2% 2% 2%
Diners Club Diners Club N/A N/A 3% for all cards issued in US / Canada (start with '5'); fee varies for cards issued outside US / Canada (start with '36') [AU,IN:3%],[UK:2.75%],[NZ:2%],[GR:1.5%],[KR,SG,ZA:1%] contact your local credit card issuer to determine the rate
Discover Discover N/A N/A 2% Accepted only in North/Central America, the Caribbean, China, and Japan. Can be used at locations accepting China UnionPay or Japan's JCB. [27]
Visa / MC N/A N/A 2%-3% Issues credit cards for banks that do not want to be in the credit card business.
E*Trade Visa / Plus 1% [28] 1% [29] 1% E*Trade now automatically charges a 1% foreign transaction fee [30]
Everbank zithromax generic Visa / Plus 1%; 0.8% for USD transactions 1% Reimburses ATM-owner fees up to $6 per month.
Fidelity Investments Visa / Plus 1% + $1 [31] 1% [32] 1% for AmEx [33], 3% for Visa [34] MySmart Cash account waives $1 fee and reimburses ATM-owner fees [35]. 1% fee is included in the exchange rate, so appears that there is no fee, but it’s there. snabblån
Fifth Third Bank MC / Visa 3% 3% 3% [36]
First Citizens Bank Visa / Cirrus 1% + $2 per transaction 1% 2% [37]According to their Disclosure of Products and Fees foreign ATM transactions are 1%. Bank staff insist there is no additional $2 ATM fee. In practice, however, this is false.
First Internet Bank of Indiana Visa / Plus 3% 3% Reimburses ATM-owner fees within limits (up to $6/month). This reimbursement includes the 3% fee. $750/day withdrawal limit.
First Interstate Bank Visa 1% [38] 0.8% fee if transaction is in U.S. Dollars.
First Merit MC 3% 3% 3% [39]
First National Bank Alaska MC 3% [40]
First Republic Visa 0% 0% Fees charged by non-First Republic ATMs are reimbursed. Requires a min balance of $3,500. [41]
FNBO Direct MC 3% [42] 3% [43]
HSBC Cirrus / Maestro 0% at HSBC ATMs; 0% + $1.50 per transaction at non-HSBC ATMs [44]; 0% for US Premier and Platinum customers 0% [45]; 0% for US Premier and Platinum customers 0% for most cards; 0% for US Platinum and Premier World Cards ($100,000 deposit account balance) [46]; 1% for UnionPlus Card [47] U.S. HSBC credit cards are now owned by Capital One. Some fees waived for Premier accounts. For HSBC direct accounts, up to 3 non-HSBC ATM fees per month are reimbursed.
IBC Visa / MC 1% [48] 1% [49] 2% [50] Credit cards are issued by Barclay's.
Iberia Bank Visa / MC 3% [51]
Incredible Bank ? 1% 1% ATM fees reimbursed per customer service.
ING Direct Cirrus / Maestro 3% 3% A separate line labeled "Foreign Transaction Charge" equal to 2% of the withdrawal will appear in account activity (in addition to the Mastercard 1% fee).
JCB USA JCB / Cirrus / Star N/A N/A 1.1% Not widely accepted outside Japan. For US, holder must be resident of CA, CT, IL, NV, NY, NJ, OR, WA, or HI. 1.1% rate confirmed with JCB representative.
Key Bank Visa N/A N/A 3% [52] 2% fee if the foreign purchase is in U.S. Dollars
Lexus Financial Visa N/A N/A 3%
Marshall & Isley Visa 0% 0% 1% [53] $1,000 minimum daily balance or $5,000 minimum if Premier
MB Financial Visa / MC 1% + $2.50 per transaction [54] 1% [55]
Meriwest Credit Union Plus 1% 1% 3% [56] Must live in Greater Bay Area of Northern California or in Tucson, Arizona [57]
Michigan State University Federal Credit Union Visa 3% [58] Must be an employee, student, or alumni of Michigan State University or a family member thereof, or an employee of certain companies. [59]
NASA Federal Credit Union Visa 1% [60] Must be an employee of NASA or a member of certain organizations [61]
Nordstrom Bank Visa N/A N/A 1%
Patelco Credit Union Visa / MC 2% 2% 2% Must live, work, or go to school in certain areas of California or work for certain employers [62]
PayPal MC/Cirrus 1% + $1 per transaction 1% 2.5% [63] $1/transaction waived on PayPal Business Debit. Note the 2.5% fee on PayPal's fees page is related to transferring money between PayPal accounts of different denominations, not ATM withdrawals in foreign currencies.
Pentagon Federal Credit Union Visa 1% 1% 0% or 2% [64] Platinum Cashback Rewards card now charges 2$, but gives good cash back on some purchases. The PenFed Promise card charges no fee, but gives nothing back. The PenFed Amex rewards card charges 0% and does have rewards
PerkStreet Financial MC/Star 1% + $2 [65] 1% [66] N/A Debit card issued by The Bancorp Bank.
Philadelphia Federal Credit Union Visa 1% [67] 1% [68] Must live in PA or work for certain employers. [69]
PNC Bank Visa/Plus 2.5% + $2 per transaction for Free Business Checking; 0% for other business accounts; 2.5% + $3.50 per transaction for personal accounts; 0% for Performance and Performance Select Checking accounts 2.5%; 0% for Performance and Performance Select Checking accounts 3% Details on free &/or reimbursable ATM with select PNC Checking Accounts [70]
Power Financial Visa 0% 3% Must live or work in Broward, Miami-Dade & Palm Beach Counties as well as the Florida Keys in Monroe County. ATM fee refunds if certain requirements are met
Presidential Online Bank Visa / Cirrus 1% 1% $550 daily withdrawal limit. They have started to charge 1% international transaction fee passed through by Visa/Mastercard. Confirmed the fee with CS Dory 1-800-383-6266 on 04/29/2011.
Principal Bank / InfiBank Visa 3%
Regions Bank Visa 3% [71] 3% [72] N/A
Schwab Visa / Plus / Interlink 0% for bank accounts; 1% for SchwabOne brokerage accounts 0% for bank accounts; 1% for SchwabOne brokerage accounts Reimburses unlimited ATM-owner fees at the end of the month, but you may have to call customer service to get international ATM-owner fees reimbursed. $500 daily withdrawal limit for basic card, $1,000 for Platinum Check Card - can be temporarily raised with call to customer service. Security software is known for blocking card use overseas unless a call to customer service is made beforehand. Visa check card associated with SchwabOne brokerage account is issued by PNC Bank.
Simmons First National Bank Visa / Plus 1% 1% 3%
Stanford Federal Credit Union Visa 0% 0% 0% Must be a member of either the Stanford Community, Friends of Palo Alto Libraries (FOPAL), the Museum of American Heritage, or an employee or volunteer of the Palo Alto Chamber of Commerce. Anyone can join FOPAL ($15) or the Museum of American Heritage ($20) [73]

Stanford FCU employs the Co-Op & Allpoint Network ATMs[74] The Co-Op & Allpoint network of ATMs are worldwide. Check their links for ATM locations.

State Farm Bank Visa / Plus 1% 1% 3% Reimburses ATM-owner fees within limits (Up to $10 per statement cycle but no limit if there is a direct deposit or ACH credit within 45 days prior to the foreign ATM transaction). Performs hard pull from all three credit agencies during checking account application process. $1,000 daily withdrawal limit.
Suntrust Visa 0% + $5 3% 3% for most cards; 1% for Signature Visa
Target National Bank Visa N/A N/A 3% [75]
TCF Bank Visa 3% + $5 [76] 3% [77] 3% [78]
TD Bank Visa / Plus 0% +2.00 per transaction (starting 03/09/11) 0% 3% [79] Requires residence in specific states. Reimburses unlimited ATM-owner fees if you maintain a minimum balance of $2,500. Old Commerce credit card accounts may have 0% fee, but are being converted to new TD accounts with the 3% fee. Starting 3/9/11 $2.00 for every non-TD ATM transaction on checking accounts. Premier/Relationship/Interest accounts fees waived. All other checking accounts $2.00/transaction
The Golden 1 Credit Union Visa / Cirrus 1% + $1.50 per transaction 1% 1% [80] Must live in certain counties in CA. Foreign transaction fee of 0.8% for USD purchases overseas.
Think Mutual Bank Visa 1% 1% ? Fee charged at some non-bank ATMs after 6 transactions per month.
Tomato Bank Visa 1% 1%
Trustmark Visa / MC 3% [81]
TruWest Credit Union MC 1% 1% 1% Must live in certain counties in AZ or TX [82]. Foreign transaction fee of 0.8% for USD purchases overseas.
UMB Visa 2% 2% 2% [83]
Umbrella Bank / Beal Bank Visa / Cirrus 1% 1% Reimburses ATM-owner fees within limits
Umpqua Bank Visa 1% 1% Must live in Washington, Oregon, or California
Union Bank of California MC 0% + $5 per transaction 2%
United Bank Visa / MC 0% 0% 0% [84] Must go into branch to open account. DC, Virginia, Maryland area.
University of Michigan Credit Union Visa 1% 1%
University of Wisconsin Credit Union Visa / Plus / Cirrus 1% 1% 1%
U.S. Bank Visa / Plus 3% + $2 per transaction 3% 3% [85]
USAA MC / Maestro / Cirrus 1% 1% 1% [86] Reimburses ATM-owner fees up to $15/month (refunds domestic fees only, as of 2011).
Valley National Bank Visa / MC 3% + $3 per transaction 3%
Verity Credit Union Visa 1% 1% 1% Must live in Washington State [87]
Wilmington Trust Visa / MC 3% 3% 3% [88]
Wells Fargo / Wachovia Visa 0% for PMA Checking; 3% + $5 per transaction for all other accounts 3% [89] 3% PMA Checking has $30 monthly service fee, unless you have $25,000 or more in qualifying linked bank deposit accounts. Some non-PMA accounts may be exempt from the 3% ATM fee (but still subject to the $5/transaction fee). PMA accounts qualify for the first 2 ATM withdrawals w/o fees or unlimited with PMA qualifying balance over $100,000 [90]
World's Foremost Bank / Cabela's Visa N/A N/A 1% [91]
Zions Bank Visa / MC 2% [92]

Debit and Credit Cards Issued in Canada
Debit Cards Credit Cards
Card Issuer Network ATM Fee Point of Sale Fee Point of Sale Fee Notes
American Express Canada Amex ?? ?? 2.5%
Bank of Montreal Mastercard ?? ?? 2.5%
Capital One Canada Mastercard ?? ?? 2.5%
Citizens Bank of Canada Visa ?? ?? 2%
Desjardins Visa ?? ?? 1.8% Desjardins often handles credit cards for credit unions, such as Coast Capital Savings
MBNA Canada Mastercard ?? ?? 2.5% Issuing cards under Bank of America Canada as well.
RBC Visa ?? ?? 2.5%
Scotiabank Visa ?? ?? 2.5%
TD Canada Trust Visa ?? ?? 2.5%

Debit and Credit Cards Issued in the United Kingdom
Debit Cards Credit Cards
Card Issuer Network ATM Fee Point of Sale Fee Point of Sale Fee Notes
Nationwide Building Society Visa 2% + £1 per transaction[93] 2% + £1 per transaction[94] 2% [95]
Lloyds TSB Visa 1.5% (£2.00 min, £4.50 max) [96] ?? ??
Smslån 5000 Visa 0% 0% 0% All info on the website
Paypal top up card Visa 2.75% + £3.00 [97] 2.75% [98] N/A

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