Compare the best debit cards for international travel |
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The best debit card for traveling overseas

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Save money on international transaction and foreign ATM fees.

When you’re traveling abroad, there are a number of ways to access your money. You can find debit, credit and travel cards that charge little or no foreign transaction fees. Some cards even offer a range of travel benefits.

Our top pick: Aspiration Spend & Save Account

  • Up to 2.00% APY interest on Save balance
  • Free ATM access worldwide
  • Unlimited cash back rewards
  • 10% of the company's earnings committed to support charities

Our top pick: Aspiration Spend & Save Account

A spend and save combo account with deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.

  • Get a $100 bonus when you fund a new account with direct deposit.
  • No monthly fee unless you choose to pay
  • No overdraft fee and low foreign transaction fee
  • Low $10 minimum deposit to open an account
  • Easy access via the Aspiration mobile app or website

Compare debit cards

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
Free to use anywhere worldwide
Get a $100 bonus when you fund a new account with direct deposit. A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
Up to $10 in fee rebates if you maintain a monthly account balance of at least $2,500
Simple and straightforward, a checking account for anyone looking for no-frills banking.
1,000 fee-free ATMs across the country
For $5 a month, you can get up to four ATM fee rebates
Pay a $0 monthly service charge and get free access to BBVA Compass ATMs.
$25 per month
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
Up to four a month for using non-HSBC ATMs in all US states except New York
Get $350 by funding and maintaining your new account with at least $5,000 in combined checking and savings for 90 days and setting up recurring third-party direct deposits for 3 consecutive months. Offer expires July 31, 2019.
$25 per month
Access to 16,000 ATMs and nearly 5,000 branches nationwide
First four non-Chase ATM transactions per statement period
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit.

Compare up to 4 providers

Best debit cards for overseas travel

Best for getting cash at foreign ATMs: Aspiration Spend & Save Account

When you’re hoping to withdraw cash abroad without paying your bank every time you use an ATM, an account with Aspiration may be the solution. Aspiration offers free ATM access worldwide.

Note that the network and the bank the ATM belongs to can still charge a fee.

Best for foreign purchase fees: NBKC Personal Account

For making purchases abroad, you may want to look into an NBKC Personal 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.

Best for currency conversion fees: Charles Schwab Bank High Yield Investor Checking Account

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 still might.

How did we choose the best cards?

In determining our picks for the best debit cards to use while traveling outside the US, a number of debit cards were primarily evaluated based on currency conversion, foreign transaction fees and branch or ATM access. Secondary factors that were considered include monthly fees, minimum balance requirements, customer service and interest rates.

How does a debit card work for overseas travel?

A debit card especially for overseas travel is best for occasional travel overseas. This type of debit card comes linked to your bank account, giving you easy access to your funds while you’re traveling.

Mastercard and Visa are accepted worldwide and are a good debit card for international travel. Choosing a debit card that doesn’t charge international transaction fees and belongs to a strong ATM partner network can help reduce your overall travel costs.

What are the features of a debit card?

The features that come with your debit card will vary from card to card, but here’s some of the standards you expect:

Access your own funds and not worry about interest

Using a debit card will allow you to access your own funds while travelling overseas. Unlike a line of credit, spending your own money can help curb your spending and keep your budget in check.

Visa or Mastercard global acceptance

As long as you have a globally accepted debit card such as a Visa or Mastercard, you should be able to access your funds easily when you’re traveling abroad. You can use such a card for purchases, to withdraw cash from ATMs and to make purchases online.

Easy account management

You can manage your account and keep track of your travel budget using online account management. Most banks offer online banking and mobile phone apps, so you should have no trouble managing your funds on the go.

Easy to apply

Getting a debit card is easier than getting a credit card because you don’t have to meet minimum income or age requirements. You simply need to have a checking or savings account.

World-class security and fraud protection

Most debit cards have microchip technology, which provides increased protection against fraud when compared to cards that rely on magnetic strips. Both, Visa and Mastercard, have online security programs in place to offer extra peace of mind when your personal information is in the online world.

Zero liability

Always notify your bank when you plan on leaving the country. This way your bank or credit card can expect purchases from abroad. Visa and Mastercard, both, have zero liability policies in place, so when you use your card overseas, your card provider does not hold you liable in the case of fraudulent and suspicious transactions.

Are you searching for travel cards instead?

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What are the benefits and drawbacks of using a travel debit card?

The benefits

  • Access your funds anytime, anywhere. A debit card with the Visa or Mastercard logo gives you instant access to money in your bank account, no matter where you are.
  • Avoid fees if you use the right ATM. If you use a partner ATM, you don’t have to pay any additional fees.
  • Avoid international transaction fees. Just about every US debit card will require that you pay currency conversion fees every time you use your card overseas. Though, some cards will waive the international fee.
  • 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 that multiple security layers work in keeping your information secure.

The drawbacks

  • Getting your card replaced overseas is difficult. Replacing a lost or stolen debit card when you’re traveling overseas can take up to 10 business days, and can be costly.

What else should I consider when using a travel debit card?

Before you get a debit card, know that not all are the same, even if they come with Visa and Mastercard affiliations. As a result, consider the following:

Is your card part of the Global ATM Alliance?

The Global ATM Alliance is a group of major international banks that allow their customers to use international ATMs without charging additional fees.

Bank of America debit cardholders, for instance, can access ATMs across Europe for free, and Commonwealth Bank customers can find Commonwealth Bank ATMs across Asia.

Does the card charge international transaction fees?

An international transaction fee is charged when you make a transaction in another currency that’s not US dollars. When you’re shopping overseas, these will slowly add up, so you may want to get a card that doesn’t charge this fee.

Also, think twice before choosing to pay in your home currency. 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. It may be significantly cheaper to select the foreign currency because exchange rates at the point of sale can be much higher than those offered by your debit card issuer.

Does the card come with linked travel insurance?

Some debit cards come with complimentary travel insurance. Depending what you’re eligible for, you could find that these come in handy if you lose or misplace your luggage or find yourself confronted by a medical emergency or flight cancellation.

Are there any international Visa and Mastercard benefits?

Visa and Mastercard debit cards give cardholders access to a range of special global offers and promotions.

Why do credit cards charge foreign transaction fees?

A foreign transaction fee is charged when you make a withdrawal, purchase or make a transaction in a currency other than the US dollars. The fee is charged for converting currency into US Dollars.

How do I get complimentary travel insurance on my credit card?

Complimentary travel insurance is typically offered with high-end rewards credit cards. These cards usually require you to pay an annual fee and you may also have to satisfy certain requirements in order to activate cover, such as paying for your vacation with your card.

Is it possible to deposit Hong Kong dollars into my bank account?

Yes it is, as long as you have a foreign currency or multi-currency account.

Is there a debit card that lets you load the euro?

Yes, there are multiple travel money cards available that allow you to load multiple currencies, including the euro. These cards are offered by banks, foreign exchange specialists and even the US Post Office.

What’s the best travel card to bring to Malaysia?

Look for a card that can be loaded with Malaysian ringgit and that also offers minimal fees on foreign transactions.

I’m traveling to Fiji – should I exchange currency here or in Fiji?

As a general rule, it’s always better to exchange currency at your destination than in the US as you will most likely receive a better exchange rate.

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 move money overseas to and from accounts?

You can send an international money transfer via your bank if you wish, although you will typically find a better exchange rate and cheaper transfer fees if you use an online transfer services such as OFX or Currency Fair.

Can I use chipped cards when traveling to other countries?

Yes, chip cards are widely accepted around the world.

How do I send funds to someone overseas?

You have several options when you want to send an international money transfer. You can send a wire transfer through your bank, an electronic transfer using an online money transfer company such as Western Union that offers a cash pickup option. You can even send an international check or transfer the funds using PayPal.

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

Can I still access US bank websites when overseas?

Yes, in most cases you’ll be able to access your internet banking account from just about anywhere in the world. Speak to your bank about accessing your money overseas before you begin your journey just to be sure that your funds will be available whenever you need them.

Can I send money overseas to India using a bank account?

Yes, your traditional bank account should be able to send money to loved ones in India. However, you may be hit with expensive fees and a low exchange rates. You may want to consider using an international money transfer instead.

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Debit cards vs. travel money cards

There are benefits and drawbacks to using a debit card over a travel money card internationally. With a prepaid travel money card you can load it with your own cash before travelling overseas and lock in an exchange rate. But with a travel debit card, you are subject to the daily exchange rate for your withdrawal. However, it takes time to reload your travel money card with funds, which could leave you in the lurch if you don’t have another payment method with you and you have run out of money on your card.

Fees are another thing to consider when comparing a travel debit card to a travel money card. A debit card designed for overseas might not come with ATM withdrawal, currency conversion or foreign transaction fees. You’ll also be able to access more ATMs around the globe with a debit card. With a travel money card you’ll be met with more fees, like a purchase fee, loading or reloading fee, or currency conversion fee. A travel money card is also subject to withdrawal limits and isn’t as accepted worldwide.

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 from card to card, so compare your options to ensure the cost doesn’t outweigh the benefits.

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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.


  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.


  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.


  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!


  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 and debit cards for travel.

      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.


  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!


  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.



  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.

    • 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,

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