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Compare the best international debit cards

Save money while traveling abroad with no foreign transaction fees.

Updated . What changed?

Fact checked

No matter what takes you overseas, you shouldn’t be penalized for using your debit card. That’s why we looked for checking accounts that offer a Mastercard or Visa debit card — so it’s accepted worldwide — as well as a global ATM network and no foreign transaction fees. We also considered factors like currency conversion, monthly fees, minimum balance requirements, customer service and interest rates when choosing our best list.

Best debit cards for overseas travel

Best for getting cash at foreign ATMs

SoFi Money

0.25%
APY
None
Fees
None
Min. opening deposit
SoFi Money packs a punch with zero fees, a competitive interest rate and unlimited worldwide ATM reimbursements. But it doesn't reimburse the 1% transaction fee charged by Visa.
  • No fees. SoFi takes the phrase no fees seriously. You won't pay anything for monthly maintenance, overdrafts, card replacements, stop payments, wire transfers, foreign transactions and more.
  • Competitive APY. Watch your money grow with a 0.25% rate that's higher than most traditional savings accounts.
  • Worldwide ATM reimbursements. SoFi reimburses all worldwide ATM fees within one business day.
  • ATM withdrawal limit. SoFi limits ATM withdrawals to $610 a day. But you can request an increase by emailing customer support.
  • No in-person support. SoFi Money is digital, which means it has no local branches or in-person support.
  • No cash deposits. Similar to most online banks, SoFi doesn't support cash deposits of any kind.
APY 0.25%
Account fees $0 monthly
Can the fee be waived? Yes
ATM transaction fee $0
Foreign transaction fee 0%
Overdraft fee $0
Accout closure fee $0

Best for foreign purchase fees

NBKC Everything Account

Up to 0.8%
APY
None
Fees
$5
Min. opening deposit
For making purchases abroad, you may want to look into an NBKC Everything Account, which offers a 0% foreign transaction fee. You'll also benefit from no fees at over 32,000 Moneypass ATMs, and up to $12 refunded per month for fees from any other ATMs.
  • 0.8% APY. This interest-bearing checking account offers 0.8% APY on any balance over $0.01
  • No foreign transaction fees. If you plan to make purchases abroad, NBKC's 0% foreign transaction fee policy will come in handy.
  • ATM fee refunds. Receive up to $12 monthly in third-party ATM fee reimbursements.
  • $45 international transfers. While domestic transfers only cost $5, an international transfer will cost you a whopping $45.
  • Limited support. If you need help with your account, in-person customer support is limited to residents of Kansas and Missouri and phone support is only available during business hours on weekdays.
APY 0.8%
Account fees $0 monthly
Can the fee be waived? Yes
Insufficient funds fee $0
ATM transaction fee $0
Foreign transaction fee 0%
Overdraft fee $0

Best for currency conversion fees

Charles Schwab High Yield Investor Checking

0.03%
APY
None
Fees
$0.01
Min. opening deposit
Use your Schwab Bank Visa Platinum Debit Card to make purchases abroad and withdrawals from overseas ATMs without worrying about foreign transaction fees. Your account gets charged the US dollar equivalent, typically as calculated by the bank or network the transaction is with. While Charles Schwab doesn't charge a currency conversion fee, the network or bank might.
  • No foreign transaction fee. If you plan to withdraw cash overseas, your account is only charged the US dollar equivalent.
  • ATM fee reimbursements. Charles Schwab Bank automatically reimburses any ATM fee you incur within the US and internationally.
  • Minimal fees. This account has no monthly account, stop payment or EFT fees.
  • Hard credit pull. When you apply for this account, Charles Schwab performs a hard credit check which could potentially hurt your score.
  • No in-person support. Charles Schwab handles all of its account support by phone, email and live chat.
  • No international transfers. Wire transfers are limited to financial institutions within the US.
APY 0.03%
Account fees $0 monthly
Can the fee be waived? Yes
ATM transaction fee $0
Paper statement fee $0
Foreign transaction fee 0%
Overdraft fee $0

How to choose the best international debit card for you

Before you open a new travel-friendly checking account with a debit card, consider the following factors to find the best option for you:

  • International ATMs. Check if the bank is part of the Global ATM Alliance, a group that allows account holders to use international ATMs with no added fees.
  • Travel insurance. Some debit cards come with complimentary travel insurance that comes in handy if you lose or misplace luggage or are confronted by a medical emergency or flight cancellation.
  • Travel rewards. Visa and Mastercard debit cards give cardholders access to a range of special global offers and promotions.
  • International money transfers. Check what options the account has for transferring money overseas — and how high the fees are.
  • Zero liability. Some cards — like Visa and Mastercard — have zero liability policies in place, so that you’re not held liable in the case of fraudulent or suspicious transactions. You should always notify your bank when you plan to leave the country. This way they can expect purchases from abroad.

What is a foreign transaction fee?

Your bank applies a foreign transaction fee whenever a currency conversion is required. For example, if you make a payment online using your US debit card on an Australian site, your bank needs to exchange USD to AUD to process the payment, so it will charge you a fee to do this. This fee is usually around 3% of the transaction value, but it varies from bank to bank.

Your bank can also charge you even more fees when you use a foreign ATM or send an overseas transfer — plus it can mark up the cost of a foreign currency and pocket the difference. Because these fees are often charged on top of one another, they can start to add up if you make regular foreign transactions.
Our guide to foreign transaction fees

What are debit cards with no foreign transaction fees?

Debit cards with no foreign transaction fees don’t charge you to spend in a foreign currency. Some accounts will also let you use foreign ATMs without paying a fee and/or transfer money internationally fee-free.

What happens when you use your debit card overseas

When you use your debit card overseas, or while shopping at an overseas store, you’ll generally pay for extra fees.

For purchases

Your checking account will usually charge a foreign transaction fee when you purchase something in a foreign currency. You may also have to pay a margin on the exchange rate, which means that your bank sells you foreign currency at a higher price than you’d pay elsewhere.

Debit card readers in stores and hotels can often detect that you’re using a card from another country, and they may ask to debit the purchase in US dollars rather than the local currency. While this can help you save on foreign transactions fees, it often means you’ll pay a significantly worse exchange rate, and it’s generally the more expensive option.

For ATM withdrawals

Avoid making frequent ATM withdrawals while traveling. Even if you have an account that does not charge for you for international ATM withdrawals — local operator fees still apply.

Your normal bank account will usually charge the following fees: Foreign ATM fee, foreign transaction fee, exchange rate markup and, in most cases, the ATM itself will charge a third-party fee. These fees can make withdrawing money at a foreign ATM very expensive.

  • Tip. If your card doesn’t waive ATM fees, save by taking out the maximum amount each time you withdraw.
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What are the benefits and drawbacks of using an international debit card?

Pros

  • Access your funds anytime, anywhere. If you have a Mastercard or Visa debit card you can look forward to using your card in over 200 countries and territories across the world. You can also use your card for online transactions on international websites.
  • Avoid fees. Depending on your card, you may be able to save on currency conversion fees, foreign ATM fees or both.
  • Safe way to spend your money with fraud protection. Debit cards give you a safe and secure way to access money when traveling overseas, given the multiple security layers that keep your information secure.
  • Save money on international purchases made online. If you often buy things from overseas online, a debit card that charges no foreign transaction fees could lead to significant savings.
  • Won’t rack up interest. Unlike a credit card, a debit card only allows you to access the cash in your checking account. This can help keep your spending in check, as you’re only spending what you actually have available in your account.
  • Eliminates extra steps. With the right debit card, you don’t have to worry about loading foreign currency onto a travel money card, you don’t have to exchange traveler’s checks for cash and there’s no need to apply for a special travel credit card.

Cons

  • No backup. Replacing a lost or stolen debit card while traveling overseas can take up to 10 business days, and can be costly.
  • No emergency cash. There’s no access to cash through a cash advance facility if you find yourself in trouble and in need of funds. We recommend having a credit card on hand for emergencies.
  • Fees and charges. Unless you have an account that waives the foreign transaction and international ATM fees, using a debit card overseas costs a fortune, especially for frequent ATM withdrawals. If your bank offers a debit card with no foreign transaction fees, there may be account conditions you’re required to meet in order to enjoy this perk.
  • Limited choice of providers. Many banks still charge hefty foreign transaction fees, so you’ll have fewer debit card choices.
  • Can’t lock in exchange rates. Other travel money options allow you to lock in exchange rates, which can help you save if you plan ahead.

    What happens if I think my account has been scammed overseas?

    If you think you’ve been a victim of fraud, contact your bank or card issuer immediately to cancel the card and begin the process of recouping any lost funds.

    How do I send funds to someone overseas?

    Check what options the account has for transferring money overseas — and how high the fees are.

    How do I link a debit card to a PayPal account?

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    Alternative travel money options

    Many travelers like to have more than one way to access their money while overseas. Other popular options include:

    • Credit cards. Using a credit card overseas makes sense if you need to access extra funds outside of your available debit balance, which can come in handy during emergencies. They can also let you earn rewards points, cash back or frequent flyer miles. Look for a card with little to no foreign transaction fees, and keep in mind that everything you buy will need to be paid back, usually with interest.
    • Prepaid travel cards. A prepaid travel card can be a good way to load multiple currencies on one card. Plus, you can avoid the negative impact of fluctuating exchange rates by locking the rate in at the time of loading. Keep in mind though that loading and reloading your card can incur a fee and it can take up to a few days for the funds to appear on your card.
    • Traveler’s checks. These used to be one of the most popular options, but they’re quickly fading from favor. While each check comes with a unique number and it’s not difficult to replace if lost, the bulkiness of carrying around multiple checks does not work in their favor. In addition, you have to cash these checks before you get access to funds.

    Should I use a debit card or a travel card?

    Which option is best for you depends on whether you favor affordability or convenience — and whether your checking account and linked debit card are travel-friendly.

    You can continue to access your regular account with a debit card without having to pre-plan or convert any cash beforehand. The drawback depends on the account you have, withdrawals, transactions and currency conversion fees which can all add up. If your account has low or no foreign transaction fees, this tends to be the best option.

    A travel card is a prepaid card you can load with multiple currencies. This is useful if you’re traveling to multiple places in one trip. You can reload the card, but it can incur a fee. These cards are useful for people who have checking accounts with unreasonably high foreign transaction fees.

    Are you searching for travel cards instead?

    How do I apply for an international debit card?

    To apply for a debit card, click the Go to site button in the comparison table, which will take you through to the card provider’s online application form. The application process differs between providers, but you’ll generally need to provide the following:

    • Personal details such as your name and address
    • Forms of identification, such as a driver’s license and proof of address
    • Financial details
    • Social Security number

    Eligibility criteria

    Debit cards are linked to checking accounts and don’t involve a line of credit, which generally means that they’re much easier to qualify for than credit cards. But you’ll generally need to be 18 and a US resident, and some banks may set additional criteria.

    Bottom line

    Use a globally accepted debit card to gain access to your money without the temptation of overspending. The fees and rates that come with using your card will vary, so compare your options to ensure the cost doesn’t outweigh the benefits.

    Compare debit cards with no foreign transaction fees

    Use the table below to compare debit cards with no foreign transaction fee. Sort the list by monthly fee, ATMs and more. Or, click the “Compare” box next to your top picks for a side-by-side view.

    Name Product Fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
    TransferWise Borderless
    $0 per month
    Free at any ATM in the world
    $0
    $0
    You can withdraw $250 every 30 days with no fees
    0%
    Send and receive 40+ currencies right from your phone, but with a better exchange rate and low fees.
    Chime Spending account
    $0 per month
    38,000 fee-free ATMs nationwide
    $0
    $2.50
    0%
    Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
    TD Beyond Checking
    $25 per month
    1,900 ATMs across the country and Canada
    $0
    $0
    Unlimited fee rebates when you maintain a daily balance of at least $2,500
    0%
    A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
    Zero Checking
    $0 per month
    Zerocard is usable anywhere Mastercard is accepted.
    $0
    $0
    At the Carbon level, all ATM fees, including what the ATM owner may charge, are refunded.
    0%
    A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.
    Chase Private Client
    $0 per month
    $0
    0%
    $2,000 welcome bonus when you join and transfer a total of $250,000 or more in the first 45 days in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any You Invest, J.P. Morgan retirement accounts and CDs), and maintain that balance for 90 days. Offer available to existing Chase customers only.
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    16 Responses

    1. Default Gravatar
      JulieJanuary 24, 2019

      I’m about to obtain and load a Debit Card (Master Card Cash Passport) ready to travel from Australia to india. Can I just load it up with AUD or should I be putting in USD.

      • Avatarfinder Customer Care
        ValJanuary 28, 2019Staff

        Hi Julie,

        Thank you for leaving a question. For the MasterCard Cash Passport – you may lock in exchange rates each time you load and reload. Load up to 11 different currencies on one card: USD, EUR, GBP, NZD, THB, CAD, HKD, SGD, JPY, AED and AUD.

        For your question, you may either load AUD or USD whichever is more convenient.

        Hope this helps.

        Cheers,
        Val

    2. Default Gravatar
      RAJANovember 11, 2018

      I a m planing to travell to Singapore. Will I be able to use easyshopPlatinum Debit master card of HDFC Bank for purchases And payment towards food ch and taxi fairs or I need to arrange for forex card only

      • Avatarfinder Customer Care
        nikkiangcoNovember 22, 2018Staff

        Hi Raja,

        Thanks for your inquiry and for visiting our page. You may certainly use the easyshop Platinum Debit Mastercard of HDFC Bank for purchases and payment for food, taxi fairs and etc. when you go to Singapore. Call HDFC that you will be travelling to Singapore and inform them of your travel dates so they can activate your card for international transactions. Hope this was helpful. Don’t hesitate to message us back if you have more questions.

        Best,
        Nikki

    3. Default Gravatar
      SizweOctober 29, 2018

      Can i withdraw money from any ATM using my South African Standard bank debit card in USA?

      • Avatarfinder Customer Care
        JhezOctober 29, 2018Staff

        Hello Sizwe,

        Thank you for your comment.

        According to Standard Bank (South Africa), your card is accepted at over 30 million merchants worldwide. You may use to withdraw from ATM’s overseas, however, please note that fees may apply. Please note that you need to notify the bank in advance if you’re planning to use your card overseas so they won’t need to disturb your trip with a phone call to authenticate your purchases. You can also activate your card for overseas travel in the mobile banking app by letting the bank know your travel dates before you leave.

        To be sure, best to bring with you back up cards and cash.

        Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

        Regards,
        Jhezelyn

    4. Default Gravatar
      ninaOctober 2, 2018

      How much will fees cost if I withdraw from my asb debit card in Australia

      • Avatarfinder Customer Care
        johnbasanesOctober 3, 2018Staff

        Hi Nina,

        Thank you for leaving a question.

        The ASB Bank Limited NZ has an overseas ATM withdrawal fee of $7.50. Hope this helps!

        Cheers,
        Reggie

    5. Default Gravatar
      GeneOctober 2, 2018

      I have a child in the Philippines. I am there for a month every 6 months. WesternUnion fees are reasonable but is there a cash or debit card I can load here in the USA for my baby’s mom to use anywhere in the Philippines without those fees? And can she get cash from an ATM without paying fees? Lastly, are there common banks in both the USA and the Philippines?

      • Avatarfinder Customer Care
        JhezOctober 5, 2018Staff

        Hello Gene,

        Thank you for your comment.

        Since you’re looking for a prepaid cash card or debit card, you may want to take a look at the prepaid travel money cards.

        These are the cards that you can load up, designed when travelling, and can be used in different countries. I have not confirmed that this can be used in the Philippines, however, please do note that most Visa, Mastercard, Discover and Amex can be used in the said country. You can also withdraw cash through an ATM. Please do note that fees when withdrawing money will still depend on the card. The local ATM fees may apply.

        Alternatively, you may also want to take a look at the ways to send money to the Philippines here. You can use the page as a guide.

        Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

        Regards,
        Jhezelyn

    6. Default Gravatar
      rehmanJuly 23, 2018

      i want to know if am going to any country should load the currency of that country in my Visa card or i can use USD or euro to use there?

      • Avatarfinder Customer Care
        nikkiangcoJuly 24, 2018Staff

        Hi Rehman!

        Thanks for getting in touch!

        Yes, you should load the currency of the country you’re going to in your Visa Travel Card to save money on foreign exchange fees. Depending on where you’re going, it’s always good to use the local currency if paying in cash.

        Hope this helps!

        Nikki

    7. Default Gravatar
      FrancisApril 25, 2018

      Why can’t shops except my travel card when I have sufficient funds, or is the card only to use in ATM machine.

      • Avatarfinder Customer Care
        RichApril 25, 2018Staff

        Hello Francis,

        Thanks for posting your comment here.

        As an added protection for cardholders, transactions from overseas are closely monitored and flagged by the system if it looks suspicious. This is one of the reasons why credit card companies require customers to notify them of their dates of travel. This way, their system can mark the transaction as an authorized one.

        If you have sufficient funds and you are able to withdraw from the ATM but you are unable to make purchases, then it’s best to call to have it checked.

        Check out this article on Finder and look for Zero Liability.

        Cheers!

        Rich

    8. Default Gravatar
      KKNovember 22, 2017

      I wish to have money equivalent to 100 u s dollar during my forthcoming trip to Sri Lanka for a week.I have hdfc bank debit card (Master Card) & pnb Global credit card (VISA) with me with sufficient balance in it.Do I still need to carry the exchange money in cash for Sri Lanka.If yes,then how much,so as not to face any scarcity of funds at any stage during the trip. Thanks.
      K.K.Kaul

      • Avatarfinder Customer Care
        RenchNovember 22, 2017Staff

        Hi KK,

        Thanks for reaching out to us. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        The official currency of Sri Lanka is the Rupee (LKR). The Sri Lankan government has tight control over the national currency and there are strict limits on the amount of rupees you can bring in and out of the country (up to 5,000 LKR). Because the Sri Lankan rupee isn’t an international currency, you’ll need to change your US dollars or withdraw rupees from an ATM when you arrive.

        You can get more helpful information on this page and compare your options travel money cards that you can apply for.

        Best regards,
        Rench

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