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, ...
WalletHub
wallethub.com › popular credit card questions
Capital One Credit Cards With No Foreign Transaction Fee
5 days ago - All Capital One credit cards have no foreign transaction fees. With any Capital One credit card, cardholders will save an average of on each purchase they make abroad or with an international merchant, compared to the average credit card offer
Is there really no ATM fees for Capital One 360 Checking?
I was in Japan this past March and I only withdrew cash from 7-11 ATMs. Never got charged any fees, and I used my capital one debit (360 checking) :) More on reddit.com
13
3
December 17, 2024How do you use your card internationally?
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. More on reddit.com
13
3
March 23, 2025Just got the email that my capital one card is switching to Discover. This is a critical blow as most of my time is spent traveling.
The no foreign atm fees was clutch. FWIW, this is not changing. Capital One is still a member of the Allpoint and MoneyPass ATM networks. If you can find an ATM that is part of those networks, it will accept even your Discover debit card. More on reddit.com
27
3
August 26, 2025Checking Accounts/Debit Cards with NO Foreign Transaction Fees?
Betterment was what we went with recently. They reimbursed all foreign transaction fees, including ATM fees, and didn't have any issues since it was a Visa. More on reddit.com
17
4
March 6, 2025Do 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
Are there any limits on international purchases with Capital One?
Capital One doesn’t cap international purchases, but you should ensure your available credit covers larger cross-border transactions. Some merchants may also require verification for high-value payments.
ramp.com
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
Will I see exchange rate fluctuations on my Capital One statement?
Since exchange rates vary daily, the final charge on your Capital One statement may differ slightly from the amount shown at the time of purchase, depending on when the transaction posts.
ramp.com
ramp.com › blog › business credit cards
Capital One Foreign Transaction Fee Guide
Capital One
capitalone.com › learn & grow › money management › using a credit card abroad
Tips for Using a Credit Card Internationally | Capital One
5 days ago - Capital One doesn’t charge foreign transaction fees on any of its credit cards. View important rates and disclosures. Some credit cards offer travel insurance. Let’s say your luggage gets lost on the way to your destination. The card you used to pay for your trip may have coverage to reimburse you for your lost bags. The card you used to book your rental car might also cover damage due to a possible collision.
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.
Capital One
capitalone.com › learn & grow › money management › no foreign transaction fees
Does Capital One Have Foreign Transaction Fees? | Capital One
December 4, 2025 - 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.
Capital One
capitalone.com › learn & grow › money management › foreign transaction fees
Foreign Transaction Fees Defined & Explained | Capital One
November 10, 2025 - 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.
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.
Fodor's Travel
fodors.com › fodor's travel talk forums › destinations › europe › capital one bank will charge for overseas atms or any non-cap one atm
Capital One Bank will charge for overseas ATMs or any non-Cap One ATM - Fodor's Travel Talk Forums
September 28, 2015 - I have the direct money market ... ... Just to clear up the confusion, Capital One Bank doesn't charge any foreign transaction (conversion) fees with our debit cards or credit cards....
U.S. News
usnews.com › home › money › banking › advice
Watch Out for Bank Foreign Transaction Fees When You Travel Abroad
October 28, 2025 - Most institutions set foreign transaction fees between 1% to 3% of the purchase, but some premier accounts may not charge any additional fees. Credit cards and cash offer more consumer protection when used internationally than debit cards.
NerdWallet
nerdwallet.com › banking › learn › foreign-atm-and-debit-card-transaction-fees-by-bank
What Banks Charge for Debit Foreign Transaction Fees - NerdWallet
Below, we compare the amount financial institutions charge to make an international ATM withdrawal or debit card purchase. » Learn more about how debit foreign transaction fees work · Capital One’s online bank stands apart from many banks because it doesn’t charge a currency conversion fee or a fee for using a foreign ATM network.
Published November 10, 2025
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 ...
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.
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.
Capital One
capitalone.co.uk › support › foreign-fees
Credit card charges abroad - Capital One
You may also have a Non-Sterling Transaction Fee (for example, 2.75%) added to the Sterling value. This would mean you have £84.51 taken out of your account + £2.32 (which is 2.75% of £84.51) = £86.83.
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_ › 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?
Top answer 1 of 6
9
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.
2 of 6
5
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.
Capital One
capitalone.com › learn & grow › money management › paying for things in europe
What Payment Types Should I Use in Europe? | Capital One
May 20, 2025 - 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 ...
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.
Reddit
reddit.com › r/creditcards › just got the email that my capital one card is switching to discover. this is a critical blow as most of my time is spent traveling.
r/CreditCards on Reddit: Just got the email that my capital one card is switching to Discover. This is a critical blow as most of my time is spent traveling.
August 26, 2025 -
Yeah this is tough for me. This is my primary method for getting cash in foreign countries. The no foreign atm fees was clutch. Need new card now.
Top answer 1 of 5
20
The no foreign atm fees was clutch. FWIW, this is not changing. Capital One is still a member of the Allpoint and MoneyPass ATM networks. If you can find an ATM that is part of those networks, it will accept even your Discover debit card.
2 of 5
12
Go for the Schwab investor checking. It’s free and all atm fees are refunded globally at the end of the month.
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®¹ doesn’t charge foreign transaction fees on its credit cards², or on spending with your Capital One 360 debit card³. However, when you’re abroad, you may still end up paying more than you’d expect thanks to the way banks work out what exchange rates to offer you.