International and Foreign Conversion Fees: Debit Card Comparisons

Below is a comparison chart of the International Conversion Fees that debit card companies charge. Click here for more information about International Conversion Fees sometimes also called "Foreign Currency Conversion Fees" or "Foreign Transaction Fees." Debit cards can be an excellent way to make purchases and obtain cash from ATM machines abroad provided you avoid the fees. The percentages below include the 1% fee charged by Visa and MasterCard to make foreign purchases if such a charge is applicable. It is also worth noting that both Visa and MasterCard either have plans to charge (or are already charging) the 1% fee on foreign purchases regardless of whether the purchase was made in US dollars. Additionally, Visa and MasterCard are susceptible to "dynamic currency conversion" (DCC) fees charged by merchants which can add 3% or more to the total purchase. AmericanExpress cards cannot have "dynamic currency conversion fees" added.

	Fee for Debit Card Purchase	Fee for Debit Card ATM Withdrawal
Capital One	NA**	NA**
Chase Bank	3%. 3.5% for residents of NY, NJ, CT.	3%. 3.5% for residents of NY, NJ, CT.
CitiBank	1%	1%
EverBank	1%	1%
HSBC	1%	No Fee on Network ATM. 3% on Out of Network ATM.
Providian	NA**	NA**
MBNA	+1%***	3%

Additional fees may apply for the use of foreign ATM machines and are sometimes charged by card issuers in addition to the conversion fees listed above. It is very important to review disclosures made by your card issuer for additional fee information that may pertain to the use of ATM machines.

Special offers from credit cards with Low Conversion Fees.
See the complete list of conversion fee comparisons in the conversion fee directory.
Also check out foreign conversion fee comparisons for credit cards.

The information on this page is accurate when it was posted. However, believe it or not, banks and credit card companies frequently change their rates, disclosures and fees without notifying us. Please read our disclaimer for more information. If you find that the information on this page is inaccurate, or have information for cards not included, please report it immediately.

 

* Discover Card is NOT widely accepted in other countries but is working to expand acceptance of the card abroad.
** Not Applicable. Does not offer debit card options.
*** This is the standard Visa/MasterCard fee which would be added to any additional fee charged by the card issuer.