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6 best international debit cards for 2022

Save money while traveling abroad with these debit cards with no foreign transaction fees.

The best international debit card doesn’t charge you extra fees for using your card abroad and is paired with a checking account you’d actually want to use. That’s why we researched over 170 checking accounts to find those with debit cards that are accepted worldwide and have 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.

What’s changed in 2021?

We replaced the Aspiration Spend and Save account with SoFi Money. While both are solid options for international travel, SoFi Money took the lead with its higher APY, no wire transfer fees and quicker ATM reimbursements. We added Varo Bank and Capital One to our list because they offer debit cards with no foreign transaction fees and checking accounts with no monthly fees.

We also added Betterment because it reimburses all ATM and foreign transaction fees.

6 best international debit cards

This table gives a quick overview of the checking accounts offering the best debit cards for international travel:
AccountAPYForeign ATM feeForeign transaction feeCurrency conversion fee
Capital One 360 Checking0.1%$00%0%
Charles Schwab High Yield Investor Checking0.03%$00%0%
NBKC Everything Account0.15%$0 + Up to $12 in fee refunds each month0%0%
SoFi Money0.25%$0 + fee refunds charged at ATMs with Visa, Plus or NYCE logo0%0.2%
Varo CheckingN/A$2.500%0%
Betterment CheckingN/AUnlimited ATM reimbursements0%0%

A closer look at the best international debit cards

Take a closer look at the pros and cons of each checking account that offers an international debit card:

SoFi Money

Finder rating 4.6 / 5 ★★★★★

Go to site
on SoFi's secure site
SoFi Money is best for getting cash at foreign ATMs. It packs a punch with zero fees, a competitive interest rate and unlimited worldwide ATM reimbursements. But it doesn't reimburse the 0.20% exchange fee charged by Mastercard.

NBKC Everything Account

Finder rating 4.5 / 5 ★★★★★

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.

Charles Schwab High Yield Investor Checking

Finder rating 4.8 / 5 ★★★★★

Use your Schwab Bank Contactless Visa Platinum Debit Card to make purchases abroad and withdrawals from overseas ATMs without worrying about foreign transaction fees. You can use it to swipe or tap your card at any contactless ATM and reader. 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.


Finder rating 4.7 / 5 ★★★★★

Varo is a digital bank that's rich on features. As an account holder, you'll enjoy early paydays, free overdraft protection, access to a high-yield savings account that earns up to 2.8% and a debit card with no foreign transaction fees.

Capital One 360 Checking

Finder rating 4.2 / 5 ★★★★★

Capital One 360 Checking comes with a Mastercard debit card that features no foreign transaction fees and free access to more than 39,000 ATMs. Plus, direct deposits could arrive in your account up to two days early. But if you use an out-of-network ATM, the owner of the ATM may charge you a fee. Also, you'll want to be wary of Dynamic Currency Conversions (DCC) while traveling. Capital One won't charge you for it, but a merchant might if they charge you in US dollars instead of their local currency. To avoid this, ask the merchant to charge you in their local currency instead.

Betterment Checking

Finder rating 3.8 / 5 ★★★★★

Betterment Checking reimburses all international ATM and foreign transaction fees that Visa may charge you. And you can earn cashback at participating retailers.

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?


  • 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.


  • 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?

    Back to top

    What are some popular debit card issuers overseas?

    Visa and Mastercard are two popular debit card issuers overseas. Discover is starting to gain traction in countries like Ireland and Canada, but it’s still not widely accepted.

    International debit card alternatives

    If you’re not keen on using a debit card while traveling overseas, here are some good alternatives you could use:
    • 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.

    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
    SoFi Money
    $0 per month
    SoFi will reimburse ATM fees charged by other institutions when it is used at any ATM displaying the Visa, Plus, or NYCE logo.
    Earn $100 when you set up direct deposit. Save, spend, and earn cash back rewards with this no-fee cash management account.
    From $0 per month
    32,000 fee-free ATMs nationwide
    Freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital bank account. Get up to 10 referral rewards, or $1000.
    HSBC Premier Checking
    $50 per month
    Free to use at all ATMs in the US
    Get a $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by January 5, 2022, and set up qualifying direct deposits into the new account totaling at least $5,000 per month. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
    $0 per month
    Novo doesn't charge ATM fees and will reimburse any non-network fees you incur
    Refunds all ATM fees
    A low-fee online checking account designed for small businesses and startups.
    Zero Checking
    $0 per month
    Zerocard is usable anywhere Mastercard is accepted.
    At the Carbon level, all ATM fees, including what the ATM owner may charge, are refunded.
    A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.

    Compare up to 4 providers

    Bottom line

    No matter what takes you overseas, you shouldn’t be penalized for using your debit card. Use a globally accepted debit card that’s designed to help you keep more money in your pocket as you withdraw cash and make purchases overseas. As always, compare your debit card options to ensure the cost doesn’t outweigh the benefits.

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    16 Responses

      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.


      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

        Default Gravatar
        nikkiangcoNovember 22, 2018

        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.


      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.


      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!


      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, design when traveling, 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.

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


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