If your bank charges you international ATM fees, it might be time for a switch. Avoid international ATM fees when using your debit card with these checking accounts.
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When traveling abroad, taking money out at an ATM is a convenient way to exchange currency. Unfortunately, this gets expensive if your bank charges fees for international transactions or withdrawals.
The good news is that some banks won't charge you to use an ATM in a foreign country, and others reimburse ATM transaction fees.
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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 know checking and savings accounts can be critical tools for managing your money. They're one of the financial tools you use the most. That's why the features offered by a bank matter so much and we've taken that into consideration in our evaluations.
We consider the annual percentage yield (APY), account features, minimum opening balance required, fees, customer service, and FDIC insurance. The best banks also offer a variety of account types and the support you need to you make the most of your money.
We intensively research all products and services we review, and our team members personally use a wide array of financial products. Our product rankings and scores are based on objective measurements and product features as well as expert opinions from our editorial team.
Compare banks with no international ATM fees
Here are the best banks and companies we've found without international ATM fees, and the accounts you should open with each.
Bank account
Best for
Fee details
E*TRADE Max-Rate Checking6 <p>With Max-Rate Checking, Morgan Stanley Private Bank, National Association (“Morgan Stanley Private Bank”) will not charge you a fee for withdrawing funds from any institution’s ATM but the owner/operator of the ATM may charge a fee. In those cases, we will refund ATM fees charged worldwide. For additional information and important details about how the ATM fee refund will be applied, please visit the <a href="https://us.etrade.com/bank/bank-rates">etrade.com/ratesheet</a> for more details.</p>
Earning interest
ATM and foreign transaction fee refunds worldwide
No transaction fees7 <p class="">Morgan Stanley Private Bank may impose a charge equal to 1% of the transaction amount (including credits and reversals) for non-U.S. currency transactions charged depending on your account type. Refer to the <a href="https://us.etrade.com/l/f/agreement-library/bank-rate-fee-schedule?vanity=rateandfee">etrade.com/rateandfee</a> for more details.</p>
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Our partners do not influence our ratings.
Max-Rate Checking
Max-Rate Checking - 2.00% Annual Percentage Yield8 <p>As of 09/08/2025, the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 2.00%. Your interest rate and APY may change at any time and fees may reduce earnings. Please visit <a href="http://etrade.com/ratesheet">etrade.com/ratesheet</a> for information regarding this account's current interest rate and corresponding APY.</p><br>
<p class="">The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account.</p>
For a limited time, earn a cash bonus of $300.9 <p class="">To be eligible for this offer, you must apply promo code CHECKING25 at the time of account opening. This promo code is intended for single use only, is non-transferable, and is only valid for a new individual or joint Checking or Max-Rate Checking account. Not valid if you've had either account in the past 12 months. U.S. residents only. Only one account type eligible; if both are opened, Checking will be enrolled. Account must be funded within 30 days. To qualify, receive two Direct Deposits of $1,500+ each to your enrolled account within 90 days of opening. Direct Deposits must be recurring income via ACH (e.g., payroll, government benefits). Wires, checks, P2P, Zelle®, transfers, etc. are not eligible forms of direct deposit. Bonus paid ~120 days after account opening if requirements are met and account is in good standing. Offer cannot be combined, may be removed at any time, and other restrictions may apply.</p> No transaction fees. FDIC insured up to the applicable limits.10 <p>Deposits held in checking accounts are FDIC insured up to $250,000. <a href="https://www.fdic.gov/resources/deposit-insurance/financial-products-insured">Learn more</a>.</p> Waive the $15 monthly account fee when you maintain an average account balance of $5,000.
Monthly maintenance fee: $15, waivable11 <p>The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account.</p>
International ATM fee details: Unlimited international ATM fee refunds worldwide
Foreign transaction fee details: Unlimited refunds for foreign transaction fees on debit card purchases
The E*TRADE Max-Rate Checking account is our favorite account on this list, if you can qualify to waive its monthly fee. It earns up to 2.00% APY,8 <p>As of 09/08/2025, the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 2.00%. Your interest rate and APY may change at any time and fees may reduce earnings. Please visit <a href="http://etrade.com/ratesheet">etrade.com/ratesheet</a> for information regarding this account's current interest rate and corresponding APY.</p><br>
<p class="">The $15 monthly account fee can be waived when you maintain an average monthly balance of at least $5,000 in the account on or after the end of the second calendar month from opening the account.</p> which is incredibly competitive for a checking account in general. You'll see similarly high rates on accounts from brokerages, like Betterment and Wealthfront, but these are technically cash management accounts tied to brokerage accounts. Although E*TRADE is itself a brokerage, its Max-Rate Checking account from Morgan Stanley Private Bank is separate from its investment products, so you don't have to invest with E*TRADE to open it. Not only does the account not charge international ATM fees, but you'll be reimbursed when charged these fees by ATM operators. You'll also be refunded for foreign transaction fees.
The account doesn't have a minimum opening deposit requirement,10 <p>Deposits held in checking accounts are FDIC insured up to $250,000. <a href="https://www.fdic.gov/resources/deposit-insurance/financial-products-insured">Learn more</a>.</p> 12 <p class="">No minimum initial deposit is required to open an account. However, account must be funded within 30 days to remain open.</p> but you need to maintain a balance of at least $5,000 to waive the $15 maintenance fee. We don't always recommend checking accounts with monthly fees anymore, because there are so many monthly-fee-free banking options out there. But this is one where the requirements to waive the fee feel reasonable enough given the amount of value the account can offer. And frankly, there aren't a ton of banks without international ATM fees, and certainly not many with perks like this one.
If you want to avoid international ATM and foreign transaction fees and have a few thousand to deposit, consider this account. (Depending on how often you use international ATMs or make purchases abroad, you could also offset the monthly maintenance fee with your savings.)
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Our partners do not influence our ratings.
CapitalOne 360 Checking
CapitalOne 360 Checking — Earn a $250 bonus
Earn a $250 bonus with fee-free 360 Checking. No fees, no minimums, no overdraft fees. Terms Apply.13 <p>1. Open a 360 Checking account on or after August 22, 2024, using promotional code CHECKING250. 2. Set up and receive at least 2 Qualifying Direct Deposits each of $500 or more to your 360 Checking account within 75 days of account opening. 3. Capital One will deposit the bonus into your account after the first two requirements listed above are completed. See full offer details and when the bonus will be posted at <a href="https://www.capitalone.com/bank/checking250/affiliate/">https://www.capitalone.com/bank/checking250/affiliate/</a>.</p>
International ATM fee details: No international ATM fee reimbursement
Foreign transaction fee details: No foreign transaction fees for debit card purchases
The Capital One 360 Checking Account allows the use of your debit card abroad without foreign transaction fees or a currency conversion fee. However, they do not reimburse any fees or out-of-network ATM provider charges.
This is a good option if you're looking for a one-stop banking shop, where you can get a variety of bank accounts, credit cards, and loans. However you won't earn cash back on purchases like with the Discover Cashback Debit.
The Capital One 360 checking account also offers:
No monthly maintenance fees or account minimums
Access to 70,000+ fee-free ATMs in the United States
An APY of 0.10% (as of 09/15/25)14 <span>A rate of 3.40% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 10/01/25. Rates are subject to change at any time before or after account opening.</span>
International ATM fee details: Unlimited international ATM fee refunds worldwide
Foreign transaction fee details: Unlimited refunds for foreign transaction fees on debit card purchases
The Betterment no-fee checking account lives up to its name with its reimbursement of any ATM fees worldwide, plus reimbursement of the 1% currency conversion fee Visa charges for foreign transactions, purchases, and ATM transactions. With Betterment, you get free ATM access anywhere you travel.
Other notable features of the Betterment Checking account include:
Robust mobile app to manage your account
Pays cash back rewards for purchases from brands like Costco, Adidas, and TOMS
International ATM fee details: Unlimited international ATM fee refunds worldwide
Foreign transaction fee details: No foreign transaction fees for debit card purchases
The Schwab Bank Investor Checking™ account offers unlimited ATM fee rebates for cash withdrawals using the Schwab Bank Visa® Platinum Debit Card, which is a great way to save on fees while traveling abroad.
This account also doesn't charge foreign transaction fees for using your debit card abroad.
Other great features of the Schwab Bank Investor Checking™ account include:
No monthly maintenance fees
An APY of 0.05% (as of 10/14/25)
Full-featured mobile app that allows you to manage your account from anywhere
Discover Cashback Debit
Best for getting cash back on purchases
Account details
Monthly maintenance fee: None
International ATM fee details: No international ATM fee reimbursement
Foreign transaction fee details: No foreign transaction fees for debit card purchases
The Discover Cashback Debit is an all-around great choice for a checking account whether you spend most of your time stateside or abroad. You can earn 1.00% cash back on up to $3,000 in debit card purchases each month15 <p>Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms. Deposit Account Agreement can be found at <a href="https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf">https://www.discover.com/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf</a>.</p> and there are no monthly fees.
When it comes to ATM access, Discover doesn't charge ATM fees and you'll have access to over 60,000 fee-free ATMs in the U.S. Just keep in mind, even though Discover won't charge you a fee for using an international ATM, there could still be fees charged by the bank operating the ATM.
*Details about Discover® Cashback Debit have been collected by FinanceBuzz editors. This information is accurate as of the date of the review and was not reviewed or approved by the issuer. FinanceBuzz does not receive commission for this product.
International ATM fee details: 1 million+ fee-free ATMs globally and unlimited ATM fee reimbursement
Foreign transaction fee details: No foreign transaction fees for debit card purchases
Fidelity's Cash Management Account comes with ATM reimbursement, allowing you to withdraw money from more than 1 million ATMs worldwide with your debit card, as long as the ATM has a Visa, Plus, or Star logo.
Other great features the Fidelity Cash Management account offers include:
No account fees or minimums
Automatic transfers to help reach your savings goals
Real-time spending insights to help you stay on track
USAA Classic Checking
Best for military members
Account details
Monthly maintenance fee: None
International ATM fee details: 100,000+ fee-free ATMs globally and up to $10 in monthly international ATM fee reimbursements
Foreign transaction fee details: 1% for international withdrawals
USAA's Classic Checking account is open only to eligible military members, veterans, and their families. If you qualify for an account, you can access 100,000 USAA-preferred ATMs nationwide fee-free. If you use your debit card at a foreign ATM, they'll refund you up to $10 per month.
Please note that USAA charges a 1% foreign transaction fee for withdrawals made abroad.
Other features of USAA's Classic Checking account include:
No monthly service fees and no minimum balance requirement
Early access to direct deposit
Access to USAA spending plan tools
When to use a credit card instead of a debit card to avoid foreign transaction fees
Before continuing with the list, it's worth noting that you might not even need to use an ATM internationally. When I first started traveling abroad, it was common to need some cash (or traveler's checks - remember those?) for a trip.
These days there's really very little need to carry cash in many countries. Credit cards are widely accepted and can offer you better perks and protections than carrying cash.
When it comes to choosing a credit card, just be sure you have one that doesn't charge foreign transaction fees. If your card does charge these fees, you'll be paying around 3-5% extra every time you swipe your card.
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Our partners do not influence how we rate products.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value
Annual Fee
$0
Rewards Rate
Earn unlimited 3X points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans; plus earn 1X points on other purchases
Benefits and Drawbacks
Benefits
Excellent earning potential for a $0 annual fee
Offers a welcome bonus
No spending caps on rewards categories
Cell phone protection (subject to a $25 deductible)
Drawbacks
Limited options to transfer points to airlines/hotels
Limited travel perks (secondary car rental insurance and travel and emergency assistance)
Fewer perks than some dedicated travel cards
Card Details
Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49%, or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
4.3
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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.16 <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.
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.
Use Cash App As Your All-in-One Financial Services Platform
Bank17 <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.18 <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 banks19 <p>Your first deposit may take longer depending on your employer.</p>
You can avoid international ATM fees a couple of ways. The easiest is to have a bank account that offers free worldwide ATM access or reimbursement for ATM fees. If that's not possible, you can exchange currency before you travel and use a credit card that offers no foreign transaction fees for the bulk of your spending abroad.
Which bank debit card is best to use abroad?
The best debit card to use abroad is one that offers easily accessible ATMs and little to no fees for withdrawing money or making purchases. Some accounts with ATM or debit cards that may be convenient and inexpensive to use abroad include Capital One 360 Checking, E*TRADE Max-Rate Checking, and Betterment Checking.
Can I use my debit card internationally?
Whether or not you can use your debit card internationally depends on where you're traveling and whether your bank's network is compatible with ATMs abroad. If you have a Visa or Mastercard debit card, chances are you'll likely be able to use it abroad.
Before your trip, call your bank and let them know you'll be traveling. Ask about ATM usage abroad and any fees incurred if you use your debit card during your trip. This will offer peace of mind and allow you to account for ATM or foreign transaction fees in your travel budget.
Bottom line
Traveling is expensive enough, and adding international ATM fees can make it even more costly. If you travel abroad often, it's worth checking out the best banks for traveling internationally or at least one that reimburses some foreign transaction fees monthly.
Also make sure you have a credit card that doesn't charge foreign transaction fees in your wallet. Instead of spending your vacation dollars on ATM withdrawal fees, you can spend the extra dollars on something fun to make your trip even more memorable.
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.
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 network20 <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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