Best Banks for International Transfers [2025]: Where Sending Cash is Easy, Cheap, and Fast
The best banks for international transfers offer waived transfer fees, global support, and other perks to make sending money abroad easier and cheaper.
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If you need to send money overseas, you have a few options. You could use a money services company or visit a currency exchange. If you go to your bank, you might be charged a hefty international transfer fee of up to $50 plus an exchange rate markup.
But the best banks for international transfers waive these costs for premium customers, recipients in certain countries, or specific banking activities.
We evaluated major banks based on their international transfer fees, other benefits to travelers or folks with family abroad, and reputation for customer service. We chose five banks. Find out which one is the best fit for your financial needs.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Up to $300New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found athttp://www.sofi.com/legal/banking-rate-sheet.
Minimum Opening Balance
$0
Monthly Fee
$0
Why We Like It
Earn a $50 or $300 bonus and up to 4.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Get your paycheck up to two days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
Access additional FDIC insurance up to $3 million5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
We evaluated nearly two dozen banks, credit unions, and financial services companies that offer international transfers. We eliminated bank accounts that charged $40 or more for an outgoing transfer in USD unless the requirements to waive the fee were reasonably achievable. We also eliminated bank accounts with a minimum balance requirement of $100,000 or more to avoid maintenance fees.
For the remaining accounts, we evaluated global ATM networks, fees, reimbursements, incoming international transfer fees, exchange rates, transfer limits, digital tools, transfer speed, overdraft and return fees, customer reviews, and more.
How to send money internationally
If you want to send money to a family member, friend, or contractor abroad, you can:
Go to the bank: You may be able to send an international wire transfer from your bank. If you're not happy with your current bank's fees or exchange rate markups, consider opening an account with one of the banks below.
Use a money transfer service: Online international transfer services allow you to send money online at the interbank exchange rate plus a transparent fee.
Visit a money transfer store or currency exchange: More traditional wire transfer companies can help you send or receive cash in person or on an app.
When choosing an option, consider:
How frequently you'll need to send international transfers
The fee and foreign exchange rate for international transfers
How quickly you want the money to arrive
What options your recipient has to access the money
Never send an envelope of cash in the mail, and make sure you're sending money to the right person.
Earn up to a $3,500 Bonus With This Checking Account
Open a new HSBC Premier checking account by December 31, 2025. Add New Deposits to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account by December 31, 2025, and maintain the New Deposits through March 31, 2026.6 <p>Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.</p>
With HSBC Global Money Transfers, you can send money abroad from your mobile phone. Transfers may be immediate, or take up to four days. While HSBC charges a $50 monthly maintenance fee, there are several ways to waive the fee, including receiving at least $5,000 in total direct deposits per month.6 <p>Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.</p>
Up to four family members can access the benefits, including financial advice from a Wealth Relationship Manager and support opening an account abroad. You can also use the HSBC Debit Mastercard with no foreign transaction fees and other travel benefits.
Pros
Fast international transfers with no fees
Several ways to waive the monthly maintenance fee
Global banking support
Cons
$50 monthly maintenance fee if you don't meet waiver requirements
Low APY on checking balance7 <p>The Annual Percentage Yields (APYs) and balances for an HSBC Premier checking account which are accurate as of 09/16/2025 are: 0.01% APY on balances of $5 or more. APYs are variable and subject to change after opening. Charges and fees may reduce earnings. Account is not available to business customers.</p>
Chase doesn't charge fees for international transfers with Chase Sapphire Banking. In addition, you won't pay any fees at ATMs globally — Chase will reimburse out-of-network surcharges. And if you lose your debit card while traveling, there's no fee for a rush replacement.
You'll even get premium perks like a 24/7 dedicated banking service line. Plus, you'll have access to Chase Mobile Banking benefits, including mobile check deposit, built-in Zelle for U.S. payments, and free credit score monitoring.
To waive the $25 monthly service fee, you'll need to maintain an average beginning daily balance of $75,000 across your qualifying Chase accounts, which includes savings accounts and some retirement and investment accounts. Even if that's tough for you to maintain, $25 per month is a great deal for unlimited international transfers at no cost — most banks charge more than that for just one outgoing wire transfer.
Consider opening a Chase Total Checking® as well if you need to work toward that fee-waiver balance threshold on your Sapphire account. We named it one of the best checking accounts.
Incoming international transfer fee: $15 or $0 for Citi Priority customers
Outgoing international transfer fee: $0-$45 depending on currency, channel, and relationship tier; free to other Citi accounts in select countries
Monthly maintenance fee: $5-$15 or $0 with at least $250 in monthly direct deposits
Citi offers multiple options for international transfers, and it's easy to avoid the monthly maintenance fee. With Citibank Global Transfers, any Citi account holder in the U.S. can send money to other Citibank accounts in Hong Kong, Korea, Singapore, or the United Arab Emirates free of charge. And for outgoing international wire transfers initiated online, Citi waives the $25-$35 fee for Citigold customers.
The Citigold relationship tier comes with other benefits like unlimited reimbursements for third-party ATM fees globally and access to Citigold Lounges worldwide. You can even get foreign currency delivered free when you're traveling abroad. This relationship tier requires a combined average monthly balance of $200,000 or more, but that includes investment accounts, and you can link with your spouse or another family member to meet the requirement.
Pros
Free transfers to Citibank accounts in select countries
No overdraft or return fees
Combine balances to access Citigold premium benefits
Cons
Direct deposit or relationship tier status required to waive monthly fee
$35 international wire transfer fee for non-relationship tier customers
Fidelity is a financial services company that offers a cash management account, which is a brokerage account designed for everyday spending.
You can use the account to write checks and pay bills like a regular checking account, and if you choose the FDIC-Insured Deposit Sweep Program, your balance (up to $5 million) will be federally insured. Plus, you'll earn 1.96% (as of 11/04/2025) APY on the balance. (Note: That's still not as high as some of the best savings accounts.)
There are no account fees or minimum balance requirements. Fidelity also offers unlimited reimbursements for ATM fees worldwide and doesn't charge a fee for international wire transfers, though the receiving bank might.
The daily transfer limit is $1 million, and transfers are processed the same business day, giving you plenty of flexibility.
Pros
Free and fast international transfers with a high daily limit
Unlimited ATM fee reimbursements worldwide
Two account options with no account fees
Cons
No in-branch cash deposits available
Overdraft protection must be self funded with another account
Navy Federal Credit Union is a federal credit union that is member-owned and not-for-profit. Membership is open to military members and personnel, veterans, and their families.
If you're stationed overseas, there may be a Navy Federal or CO-OP ATM at your base, which you can use to withdraw cash from your checking account. Most are fee-free, but some CO-OP ATMs charge a 1% fee.
You can wire money overseas for a $25 fee with a 5-7 business day wait time. That's less than most traditional banks charge for international wire transfers, plus incoming wire transfers are free.
Navy Federal also offers a fee-free, easy checking account with three overdraft protection options, a banking app with built-in Zelle, and a free credit-building tool that allows you to report recurring payments like rent to the credit bureaus.
Pros
No minimum balance requirement or monthly maintenance fee
If you're happy with your current bank but could do without the wire transfer fees, consider using a money services company or money transfer center to send money internationally. Options include:
Wise: It's free to create a Wise account, and your recipient doesn't need to use the service. Wise uses the mid-market exchange rate, so you'll avoid markups that are common among banks. Fees vary depending on the country and payment type, but Wise offers a calculator for transparency.
MoneyGram: MoneyGram offers multiple ways to send and receive money internationally — you can send in person, online, or through the app, and your recipient can pick up cash or receive the funds in their bank account, mobile wallet, or debit card.
Western Union: Western Union often runs promotions that allow you to temporarily avoid transfer fees. You can initiate a transfer online, in the app, or at an agent location for delivery in your recipient's bank account.
5.0
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Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.30% APY on Savings (3.60% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
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Our partners do not influence our ratings.
Enjoy $300 as a new Chase checking customer
When you open a new Chase Total Checking® account with qualifying activities.8 <p>Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use. To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.</p> FDIC Insured. Offer valid through 1/21/2026.
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Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank9 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.10 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks11 <p>Your first deposit may take longer depending on your employer.</p>
Which is the best bank for international transfers?
The best bank for international transfers depends on where you're sending the money, how soon you want it to arrive, and how frequently you initiate international transfers. Some bank accounts that offer free international transfers require a minimum account balance, which will impact your decision. HSBC Bank's Premier Checking account is our top pick for most people.
Can Zelle send money internationally?
Many U.S. banks use Zelle to facilitate domestic transfer between peers, but Zelle only works in the U.S. Both the sender and the recipient must have a U.S. bank account.
Do any banks offer free international wire transfers?
Some banks waive international wire transfer fees for premium account holders. For example, Citi offers free online international wire transfers for customers in the Citigold relationship tier.
Bottom line
Decide whether to prioritize timing, cost, and ease of the transaction, and weigh the other benefits you'll get from your new bank.
Consider Navy Federal Credit Union if you're current or former military. Or if you want a bank with plenty of branches, go with the Chase Sapphire Account — you'll get a ton of perks beyond free international transfers.
Citi is also a good option for folks with a higher bank balance, and if you're relocating abroad, you should consider opening an HSBC Premier Checking Account.
Fidelity's Cash Management Account is a great choice if you already have a brokerage account with Fidelity, if you want to start investing, or if you're looking for an account with a high APY.
Earn up to a $3,500 bonus when you open a new HSBC Premier checking account by December 31, 2025. Add New Deposits to your Premier checking account, Premier Savings account and/or Premier Relationship Savings account by December 31, 2025, and maintain the New Deposits through March 31, 2026.6 <p>Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Social Security, or other regular monthly income) deposited through the Automated Clearing House (ACH) network to this account by your employer or an outside agency (please check with your employer or outside agency to determine if they use the ACH network). Direct deposits that do not qualify include but are not limited to transfers from one account to another, mobile deposits, or deposits made at a Wealth Center or ATM.</p>
Get a $1,000 Cash Bonus: Add and maintain New Deposits of $150,000 to $249,999; Get a $2,500 Cash Bonus: Add and maintain New Deposits of $250,000 to $499,999; Get a $3,500 Cash Bonus: Add and maintain New Deposits of $500,000+
Send and receive money with Zelle® right from our mobile app
Manage your money safely, easily and fee-free around the world - from Global Money Transfers to multi-currency needs
Enjoy peace of mind with unique travel benefits available through our credit cards
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Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
High APY of up to 4.30% on Savings (3.60% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network12 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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