Credit/Debit/ATM Cards and Foreign Exchange
From FlyerGuide Wiki
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 Flyertalk.com 
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 that 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 credit card processing 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 $$$ anywhere in the world...often within 15 minutes (if it is linked to a debit card acct with cash in it. XOOM transfers have very reasonable fees (lower than Western Union) for example: $3,000 can be sent for a $30 fee. XOOM is also very quick and easy to set up. You can use XOOM to send money to anyone or YOURSELF (like an ATM withdrawal). All the recipient has to do is show up at the chosen bank (most banks are affiliated with XOOM) and present proper ID to pick up the $$$.
- 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 CardHub.com. 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 . 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|
|Affinity Federal Credit Union||MC||1%||1%||1%||Must be an employee of certain companies |
|Alliant Credit Union||Visa / Plus||1%||1%||1%|
|Ally Bank||Visa/MC||1% , 0.8% for charges in US$||1% , 0.8% for charges in US$||N/A||Reimburses unlimted U.S. ATM-owner fees monthly; however, does not reimburse foreign ATM fees. $500/day limit on ATM withdrawals, cash advances, and POS cash back; $2,500/day limit on purchases.|
|American Bank Online||Visa / Plus||1%||1%||1% ||Reimburses ATM-owner fees up to $6 per month  for e-checking account holders). Blocks ATM access if traveling in certain countries such as China. 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.  Requires at least part-time residence in Maine.|
|Bank Direct||Visa or Cirrus||1%||1%||Reimburses up to 4 ATM-owner fees per month worldwide, up to $2.50 per transaction. . ATM-only card is on the CIRRUS network. $500/day withdrawal limit.|
|Bank of America||Visa / Plus||1% at banks in the Global ATM Alliance ; 1% + $5 per transaction at other banks||3%||3% for most cards ; 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||2% ||1% ||N/A||ATM/Debit card foreign currency conversion rate increases from 1% to 2% effective Nov. 4, 2012. Reimburses unlimited ATM-owner fees, but specifically excludes international fees from reimbursements. $310/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% |
|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%|
|Bethpage Federal Credit Union||Visa||0%||0%||0%||Membership open to Long Island area.|
|BMW Bank||Visa||N/A||N/A||2% ||Cards opened prior to March, 2007 may be grandfathered at 0% fee. Call to inquire regarding your account.|
|Busey Bank||MC||0%||0%||3% ||Requires residence in Florida or Illinois. Credit cards are issued by Elan.|
|Capital One||MC||0% ||0% ||0%||Fraud protection is known for blocking overseas card use unless a call to customer service ((800) 655-2265) is made beforehand. If you use the credit card for cash withdrawal there is a $10 fee per transaction.
For Interest Checking Debit Card: "We don't charge ATM fees worldwide. We even reimburse ATM fees other banks charge you — up to $25 per month. ATM fees will be reimbursed within 5 business days."  $600/day limit on ATM withdrawals.
For High Yield Money Market ATM Card: "We will not charge you any fees for ATM withdrawals or balance inquiries; but fees may be charged by the owner of the ATM." Applies to domestic and international transactions. No mention of reimbursement. $500/day limit on ATM withdrawals. CSR reports telling customer that the 1% Mastercard fee is not waived; however, based on actual usage, the fee is not charged.
|Chase||Visa / MC||3% + $5 per transaction||3%||3% ; 0% for Chase Hyatt Visa ($75 annual fee); 0% for British Airways Visa ($95 annual fee); 0% for Priority Club Rewards Visa Signature  ($49 annual fee after 1st year); 0% for Presidential Plus MasterCard  ($395 annual fee); 0% for Chase Sapphire Preferred ($95 annual fee, waived the first year), 0% for Marriott Rewards Premier Credit Card, 0% for United Mileage Plus Club Visa|
|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%; 
0% ThankYou Premier Card ThankYou Prestige Card 
|$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||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 ||3% ||N/A||Credit cards are issued by Elan.|
|Coulee Bank||Visa||0%||0%||0%||Must have the Rewards Checking account (valid for residents of Wisconsin, Minnesota, and Iowa) and the associated Visa Debit card. Must meet Rewards Checking requirements  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% |
|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% (0% after 11/06/2011)||Can be used at locations accepting Diners Club International, China UnionPay, or Japan's JCB. |
|E*Trade||Visa / Plus||1% ||1% ||1%||E*Trade now automatically charges a 1% foreign transaction fee |
|Everbank||Visa / Plus||1%; 0.8% for USD transactions||1%||Reimburses ATM-owner fees up to $6 per month.|
|Fidelity Investments||Visa / Plus||1% + $1 ||1% ||1% for AmEx , 3% for Visa ||MySmart Cash account waives $1 fee and reimburses ATM-owner fees . 1% fee is included in the exchange rate, so appears that there is no fee, but it’s there.|
|Fifth Third Bank||MC / Visa||3% + $2 per transaction at other banks||3%||3% |
|First Citizens Bank||Visa / Cirrus||1% + $2 per transaction||1%||2% ||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. $750/day withdrawal limit.|
|First Interstate Bank||Visa||1% ||0.8% fee if transaction is in US$|
|First Merit||MC||3%||3%||3% |
|First National Bank Alaska||MC||3% |
|First Niagara||MC||1% ||1% ||1% ||$500/day withdrawal limit .|
|First Republic||Visa||0%||0%||Fees charged by non-First Republic ATMs are reimbursed. Requires a min balance of $3,500. |
|First Tech Federal Credit Union||Visa||1%||1%||1%||Must be an employee of certain companies or a member of the Financial Fitness Association (one-time $5.00 fee). Confirmed via CSR. Grandfathered AA Card holders still get a 0% fee offer.|
|FNBO Direct||MC||3% ||3% |
|Harris Bank||Visa||3% ||3% ||3%|
|HSBC||Cirrus / Maestro||3% at HSBC ATMs; 3% + $1.50 per transaction at non-HSBC ATMs ; 0% for US Premier customers||3% ; 0% for US Premier customers||3% for most cards; 0% for US Premier World Cards ($100,000 deposit account balance) ; 1% for UnionPlus Card ||Some fees waived for Premier accounts. For HSBC direct accounts, up to 3 non-HSBC ATM fees per month are reimbursed.|
|Huntington Bank||Visa / MC||3% ||3% ||3% |
|IBC||Visa / MC||1% ||1% ||2% ||Credit cards are issued by Barclay's.|
|Iberia Bank||Visa / MC||3% |
|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). ING Direct USA is being bought by Capital One. [As per news July 2011]|
|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% ||2% fee if the foreign purchase is in U.S. Dollars|
|M&T Bank||Visa||3%||3%||3% |
|Marshall & Isley||Visa||0%||0%||1% ||$1,000 minimum daily balance or $5,000 minimum if Premier|
|MB Financial||Visa / MC||1% + $2.50 per transaction ||1% |
|Meriwest Credit Union||Plus||1%||1%||3% ||Must live in Greater Bay Area of Northern California or in Tucson, Arizona |
|Michigan State University Federal Credit Union||Visa||3% ||Must be an employee, student, or alumni of Michigan State University or a family member thereof, or an employee of certain companies. |
|NASA Federal Credit Union||Visa||1% ||Must be an employee of NASA or a member of certain organizations |
|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 |
|PayPal||MC/Cirrus||1% + $1 per transaction||1%||2.5% ||$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%|
|PerkStreet Financial||MC/Star||1% + $2 ||1% ||N/A||Debit card issued by The Bancorp Bank.|
|Philadelphia Federal Credit Union||Visa||1% ||1% ||Must live in PA or work for certain employers. |
|PNC Bank||Visa/Plus||$5 for Free Checking and Free Business Checking. 0% for Performance and Performance Select Checking accounts and all other business accounts||3%||3%|
|Power Financial||Visa||0%||3%||ATM fee refunds if certain requirements are met|
|Presidential Online Bank||Visa / Cirrus||1% (Confirmed the fee with CSR Dory 1-800-383-6266)||1% (Confirmed the fee with CSR Dory 1-800-383-6266)||$550 daily withdrawal limit.|
|Principal Bank / InfiBank||Visa||3%|
|Regions Bank||Visa||3% ||3% ||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) |
|State Farm Bank||Visa / Plus||0%||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. [2011-08-23 update by SF phone rep: 0% ATM fee (SF or Visa)]|
|Suntrust||Visa||0% + $5||3%||3% for most cards; 1% for Signature Visa|
|Target National Bank||Visa||N/A||N/A||3% |
|TCF Bank||Visa||3% + $5 ||3% ||3% |
|TD Bank||Visa / Plus||3% + $2.00 per transaction||3%||3% ||Requires residence in specific states. Reimburses unlimited ATM-owner fees w/$2,500 minimum balance. Premier/Relationship/Interest accounts fees waived.|
|The Golden 1 Credit Union||Visa / Cirrus||1% + $1.50 per transaction||1%||1% ||Must live in certain counties in CA. Foreign transaction fee of 0.8% for USD purchases overseas.|
|Think Mutual Bank||Visa||1%||1%||1%||Fee charged at some non-bank ATMs after 6 transactions per month.|
|Trustmark||Visa / MC||3% |
|TruWest Credit Union||MC||1%||1%||1%||Must live in certain counties in AZ or TX . Foreign transaction fee of 0.8% for USD purchases overseas.|
|UMB||Visa||2% + $2.50 flat fee||2%||2% |
|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||MC||0% + $5 per transaction||2%|
|United Bank||Visa / MC||0%||0%||0% |
|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% |
|USAA||MC / Maestro / Cirrus||1%||1%||1% ||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 |
|Webster Bank||Visa||0% ||0% ||N/A||Rebates ATM fees from other banks.|
|Wells Fargo / Wachovia||Visa||0% for PMA Checking; 3% + $5 per transaction for all other accounts||3% ||3%||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 |
|Wilmington Trust||Visa / MC||3%||3%||3% |
|World's Foremost Bank / Cabela's||Visa||N/A||N/A||1% |
|Zions Bank||Visa / MC||2% |
|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.|
|TD Canada Trust||Visa||$5||0%||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||2% + £1 per transaction||2% |
|Lloyds TSB||Visa||1.5% (£2.00 min, £4.50 max) ||??||??|
|Paypal top up card||Visa||2.75% + £3.00 ||2.75% ||N/A|