Best No-Foreign-Transaction-Fee Checking Accounts [2026]

When traveling abroad, using your debit card to take out cash at an ATM is a convenient way to exchange currency and spend. Unfortunately, this gets expensive if your bank charges fees for international transactions or withdrawals. Many debit cards charge a foreign transaction fee of 1% to 3% on purchases and ATM transactions, applied as a percentage of the transaction amount. Some charge flat fees of a few dollars per transaction instead.

The good news is that some banks won't charge you to use an ATM in a foreign country, and others go a step further by reimbursing ATM transaction fees sometimes charged by machines. Banks without international ATM fees or foreign transaction fees on their debit cards could help you save a bundle abroad, and the best won't force you to compromise helpful features or juicy perks.

Here are the bank and checking accounts with no foreign transaction fees that we recommend, based on our research, and the fees you can avoid or be reimbursed for using their debit cards internationally.

Limited-Time Offer

AWARD WINNER Best Online Checking

SoFi Checking and Savings

5.0

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Learn More on SoFi's secure website, Member FDIC

Bonus Offer

Up to $400 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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/

Minimum Opening Balance

$0

Monthly Fee

$0

Why We Like It

• Earn a $50 or $400 bonus with eligible direct deposit¹ <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&nbsp;received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct&nbsp;Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in&nbsp;your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at&nbsp;<a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> and up to 4.00% APY² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi&nbsp;Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> on your money
• Limited-Time Offer: +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi&nbsp;Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</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 transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

Learn More on SoFi's secure website, Member FDIC

Compare top banks with no ATM fees worldwide in 2026

Here are the companies and accounts we recommend for no international ATM fees and other worthwhile perks, no matter where in the world you bank.

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.&nbsp; 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>
Capital One 360 Checking Account	One-stop banking	No foreign transaction or currency conversion fees Does not reimburse ATM provider charges
Betterment Checking	Getting ATM fees reimbursed	Reimburses ATM provider fees worldwide, Reimburses 1% Visa currency conversion fee
Schwab Bank Investor Checking	Schwab investors	No foreign transaction fees Unlimited ATM fee rebates
Fidelity Cash Management Account	Using your debit card at ATMs worldwide	Reimburses fees on ATMs with Visa, Plus, or Star logo
USAA Classic Checking	Members of the U.S. military	Reimburses up to $10 per month in ATM fees

E*TRADE Max-Rate Checking

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,⁹ <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> ¹⁰ <p class="">No minimum initial deposit is required to open an account.&nbsp; However, account must be funded within 30 days to remain open.</p> or a monthly maintenance fee. 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. 

Visit E*TRADE | Learn more in our E*TRADE Bank review

Capital One 360 Checking Account

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.

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 05/19/26)¹¹ <span>A rate of 3.00% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 06/02/2026. Rates are subject to change at any time before or after account opening. The 360 Performance Savings account has no monthly cycle service charge and no minimum balance required to open or maintain the account.</span>

Visit Capital One 360 | Learn more in our Capital One 360 review

Betterment Checking

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
• No minimum deposit required to open an account

Learn more in our Betterment Checking review

Schwab Bank Investor Checking

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.

These are two perks that make it one of the best banks in the U.S. for foreign nationals and residents alike. However, this checking account is only available to those who also have a Schwab One® brokerage account.

Other great features of the Schwab Bank Investor Checking™ account include:

• No monthly maintenance fees
• An APY of 0.01% (as of 07/06/26)
• Full-featured mobile app that allows you to manage your account from anywhere

Fidelity Cash Management Account

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

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 little need to carry cash in many countries. Credit cards are widely accepted and can offer you better perks and protections than 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 charges these fees, you'll be paying around 3-5% extra every time you swipe your card.

Awesome Rewards Rates + Intro APR

Wells Fargo Autograph^® Card

4.4

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Wells Fargo Autograph^® Card

Apply Now

Rates and fees

Current Offer

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.

5.0

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.

AWARD WINNER Best Online Checking

SoFi Checking & Savings - Earn Up to $400 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.10% 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&nbsp;received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct&nbsp;Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in&nbsp;your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at&nbsp;<a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi&nbsp;Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.⁵ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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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4.9

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.

2026 AWARD WINNER Best Checking for Bad or No Credit

Chime® Checking¹² <p class="">Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.<br></p> - No Monthly Fees¹³ <p>There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.</p> + Get paid up to 2 days early with direct deposit¹⁴ <p> Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.</p>

Checking Account. No minimum balance. FDIC Insured through The Bank Corp Bank, N.A. or Stride Bank, N.A.

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4.0

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Wells Fargo Everyday Checking - Earn a $325 Bonus

Earn a $325 new checking customer bonus when you open an Everyday Checking account and make $1,000 or more in qualifying direct deposits. Wells Fargo Bank, N.A. Member FDIC

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4.8

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.

Bank of America Advantage Plus Banking®

New checking customers only: Get a bonus offer up to $500 after completing qualifying transactions. Click Learn More for details. Bank of America, N.A. Member FDIC

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FAQs

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.

Learn More

5.0

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.

AWARD WINNER Best Online Checking

High APY of up to 4.00% on Savings (3.10% 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&nbsp;received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct&nbsp;Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in&nbsp;your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at&nbsp;<a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 Months on new accounts. Terms Apply.² <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi&nbsp;Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at&nbsp;<a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</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 transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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 network¹⁵ <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>

Author Details

Christy Rakoczy Bieber

Christy Rakoczy Bieber is an attorney turned personal finance writer who has spent 17 years helping readers understand Social Security: the claiming rules, the policy shifts, and the fine print that can mean thousands of dollars in lifetime income. Her work has appeared in Kiplinger, Forbes, The Motley Fool, and the Wall Street Journal.

Author Details

Samantha Hawrylack

Samantha Hawrylack has spent her career around money. Before becoming an editor, she worked as a brokerage investment professional at Vanguard, where she held Series 7 and 63 licenses. This background means she knows what she's talking about when it comes to banking and building wealth. She helps readers track down the best high-yield savings accounts, decide if they're in between banks, and take their first steps into investing.