Capital One
capitalone.com › help center › checking & savings › international atm fees
International ATM Fees | Capital One Help Center
For 360 products (360 Checking and MONEY Checking) there are no additional fees when you use your debit card abroad (any transaction made in a foreign currency or that is classified as a cross-border transaction). For non-360 products (Total Control Checking, Simply Checking, 360 Money Market, ...
Capital One
capitalone.com › learn & grow › money management › foreign transaction fees
Foreign Transaction Fees Defined & Explained | Capital One
The fee might also apply to a debit card or prepaid travel card transaction. Foreign transaction fee charges are generally 1%-3% of the transaction. Capital One doesn’t charge foreign transaction fees.
Capital One
capitalone.com › learn & grow › money management › no foreign transaction fees
Does Capital One Have Foreign Transaction Fees? | Capital One
But that may not be true of all banks. But before you depart, you could still brush up on a few tips about using a credit card internationally. Capital One doesn’t charge foreign transaction fees on any of its credit cards, including travel and cash back rewards cards.
Does Capital One have foreign transaction fees?
There are no foreign transaction fees for Capital One credit cards and for checking or saving accounts in the 360 product range. Foreign transaction fees do apply on some other accounts from Capital One, so look at the terms of your account carefully before you spend.
exiap.com
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2025 Guide] - Exiap
Can I use my Capital One card internationally without fees?
You can use your Capital One credit card with no foreign transaction fee, but other costs like interest and cash advance fees may still apply. To avoid these costs you might want to consider a multi-currency account and debit card from a provider like Wise or Revolut.
exiap.com
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2025 Guide] - Exiap
Do Capital One business cards charge currency conversion fees?
Capital One does not charge a separate currency conversion fee. Currency conversion is handled by the payment network (Visa or Mastercard) at the market rate on the processing date.
ramp.com
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
Capital One
capitalone.com › help center › checking & savings › traveling with debit card
Traveling with your debit card | Capital One Help Center
Find out what to expect when using your debit or ATM card abroad. ... Learn how Capital One has you covered while you travel.
Wise
wise.com › us › blog › capital-one-foreign-transaction-fee
Capital One foreign transaction fee — the essential overview and tips - Wise
June 15, 2024 - Capital One doesn’t charge foreign transaction fees, so this is one charge you won’t need to worry about with an account or card from this bank. You can see some other charges you may face with some popular Capital One cards above - checking terms and conditions will likely help, too. It’s usually going to cost you more to use a credit card to withdraw cash, instead of a debit card linked to your checking account.
Reddit
reddit.com › r/creditcards › capital one is terrible for international travel
r/CreditCards on Reddit: Capital One is TERRIBLE for International Travel
January 21, 2022 -
Don't be deceived by their marketing - Capital One is NOT a good card for international travelers. Yes they have no foreign transaction fees, but that doesn't do you any good if your card doesn't work.
Background: I work from home and typically spend 5-7 months abroad every year. I have a cheap US cell plan for when I'm in the US, but when traveling abroad, I use a cheap foreign SIM/plan. Big savings on cell service without the need for expensive international plans or roaming.
The problem: Capital One Mastercard is a fine card when using the physical card - it will work anywhere MasterCard is accepted. However, if you ever try to use the card on a website where you manually type in your 16 digit card number, expiration and CVV code - it generates a pop-up from MasterCard that wants to send you a OTC (One Time Code) as a text message to your US number. But what if you're not using your US number at the time? You have no way to receive the code. It doesn't give you any other option to receive the code. Not email, not a different international number, not an authenticator app like Google/Microsoft Authenticator. You're basically screwed. And don't bother trying to call customer service - there is NOTHING they can do. Its MasterCards Fault they'll tell you. Out of our control. Yet if you try to call MasterCard - "Sorry we're just the transaction processor, contact your card company." Circular finger pointing with you left screwed over.
I know this may be a small issue for people who keep their US number when outside US, but for travelers like me its a deal breaker.
Buyer Beware.
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I could be missing some thing, but it seems you think an entire card company is terrible based on the highly specific scenario where someone who resides in the US and has a US number travels outside the US but doesn’t bring their cell phone or have access to their US number and didnt update their contact/verification info with their card company even though its entirely predictable they’ll want to verify its you if you make a purchase abroad?
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Wouldn't a free Google Voice or similar number fix this problem? Something accessible from both phones.
Exiap
exiap.com › home › guides › capital one foreign transaction fees [2025 guide]
Capital One Foreign Transaction Fees [2025 Guide] - Exiap
February 28, 2025 - There’s no Capital One foreign transaction fee when you spend overseas with your Capital One credit card, or with a debit card attached to a 360 account product. Other account types may incur some international fees – and there may also ...
Curve
curve.com › blog › capital-one-foreign-transaction-fees
How to avoid all Capital One foreign transaction fees
February 27, 2025 - For example, Capital One charges a 2.75% fee on each foreign purchase made, which is known as the foreign transaction fee. In addition, withdrawing cash from an ATM with a Capital One card abroad can trigger even higher fees.
Capital One
capitalone.com › help center › contact us › traveling with your card
Traveling with your card | Capital One Help Center
The mobile app will help you manage your account on the go, while allowing you to do things like lock your cards and monitor your transactions. You can also customize certain transaction alert preferences to help you manage your account. Learn more about how we keep your account safe. Capital One doesn’t charge foreign transaction fees.
Ramp
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
November 10, 2025 - Capital One doesn’t charge foreign transaction fees on any of its credit cards, including business cards. You can use them abroad or with international vendors without paying the 2% to 3% fee most banks still apply.
Rick Steves Travel Forum
community.ricksteves.com › travel-forum › budget-tips › capital-one-debit-card-issues
Capital one debit card issues - Rick Steves Travel Forum
At any rate, please use a credit card for purchases as save the debit card for cash withdrawals at bank- owned ATMs. Cap One should be happy to issue a credit card with no foreign transaction fees. I've used mine on several recent trips without issue. ... As a side note I believe that credit ...
Capital One
capitalone.com › learn & grow › money management › cash or card when traveling
Cash or Card When Traveling: What’s Best? | Capital One
Capital One doesn’t charge a fee for using your card for foreign currency transactions. View important terms and disclosures. But other credit cards might. If you use a card abroad, you should also watch out for dynamic currency conversion (DCC) fees. Merchants might offer to convert the foreign price to your home currency. But they usually charge for it. And if you’re using a credit card, it’s not really necessary anyway.
Capital One
capitalone.com › learn & grow › money management › paying for things in europe
What Payment Types Should I Use in Europe? | Capital One
Like some credit cards, some debit cards may come with foreign transaction fees, currency conversion fees and ATM fees when you use them abroad. Capital One does not charge additional fees for foreign transactions. View important rates and ...
Rick Steves Travel Forum
community.ricksteves.com › travel-forum › general-europe › capital-one-360-pros-cons
Capital One 360? Pros & Cons? - Rick Steves Travel Forum
Agree with the above poster to ... account (credit union) with me as a backup; I don't use it unless absolutely necessary since they do charge a 3% fee....
Reddit
reddit.com › r/capitalone › rip international debit card use. capital one officially migrates its debit cards
r/CapitalOne on Reddit: Rip International Debit card use. Capital One Officially migrates its debit cards
August 26, 2025 - As someone who has only been in the states for a couple months this year, I will need to find a new bank for my debit card until wider adoption
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Discover has partnership with some other global debit networks. Still not as good as Visa and Mastercard, but it's not terrible. I think Capital One will be investing a lot of money to expand Discovers international acceptance.
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NEVER EVER use a debit card for purchases. They should ONLY be used for cash withdrawls at ATMs. You should ALWAYS be using a credit card for purchases, whether at home or abroad. With that being said, Charles Schwab bank is your friend. You can use any ATM in the world with no fees.
Capital One
capitalone.com › learn & grow › money management › using credit cards in mexico
Can I Use My Credit Card in Mexico? | Capital One
A currency conversion fee is charged by the credit or debit card payment network or ATM network for converting the foreign currency to your home currency. This has to happen so that the card issuer can process it and charge it to your account. Capital One doesn’t charge foreign transaction or currency conversion fees.
Reddit
reddit.com › r/japantraveltips › is there really no atm fees for capital one 360 checking?
Is there really no ATM fees for Capital One 360 Checking? : r/JapanTravelTips
December 17, 2024 - Capital One does not charge foreign transaction fees on its 360 credit and debit cards. This includes both credit cards and debit cards, and applies to purchases made in foreign currencies or cross-border transactions.
Reddit
reddit.com › r/capitalone_ › how do you use your card internationally?
r/CapitalOne_ on Reddit: How do you use your card internationally?
March 23, 2025 -
So pretty much the title and probably a dumb question. The capital one website says I can use my savor card with no issue internationally with no foreign transaction fees. So if I'm traveling through Qatar and I want food at the airport I can just swipe my card as normal and it just charges automatically in local currency? Or does it convert into dollars or something?
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There are no foreign transaction fees with capital one, which is great. You’ll get a notification of the charge amount first in the local currency, and then you’ll get a notification of the dollar amount, that is what will hit your account. Some places will ask to charge you to convert into your home currency, never do that, instead, pay in the local currency using your cap one cards.
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Charge everything in the local currency and Mastercard will do the conversion to USD without any fees. You’ll be charged more or less the USD equivalent that you see on Google, give or take a few dollars. Neither Mastercard nor Capital One will charge for the service. When travelling, merchants may ask you if you want them to convert the currency to USD and bill you in USD. Decline this service because they jack up the exchange rate in their favour so they can profit off you some more. Just pay in the local currency and let Mastercard convert the currency at a much more favourable rate. The USD amount will appear on your statement and online banking but you can call customer service to confirm the original currency and amount for any transaction if you need to for any reason.
Business Insider
businessinsider.com › personal finance › credit cards › foreign transaction fees: definition, cost, and frequently asked questions
Foreign transaction fees: Definition, cost, and frequently asked questions
May 13, 2025 - However, Mastercard applies a 0.2% ... SoFi does not reimburse this fee. No, Capital One does not charge foreign transaction fees on its U.S.-issued credit or debit cards....
Tripadvisor
tripadvisor.com › europe › france › ile-de-france › paris › paris travel forum
Anyone use a Capital One MC for International Travel? Fees? - Paris Forum - Tripadvisor
$2, plus 3%. Last month in fact, I pulled out $398.88 (300 Euros) and was charged the $2, then an extra $11.97. Had to do that twice. Ouch....... Purchases I made with debit and credit did not incur any fees......