ATM Overseas (2024)

How to use an ATM overseas

See how simple it is to use your Visa card to get cash overseas >>

How would I know if my debit, credit or ATM card is accepted overseas?

Check if your ATM card has a Visa or PLUS logo. If it does, it will be accepted at any ATM that is marked with the same logos.* To be sure, you may ask your bank if there are any restrictions regarding the use of your card overseas or, whether you need to notify them before you travel.

*Some ATMs in Canada may not accept all cards.

I don't have a debit card. Can I withdraw cash with my ATM or credit card?

Yes. As long as your ATM or credit card has either a Visa or PLUS logo, you can withdraw cash at ATMs that are part of the Visa or PLUS network.

How do I find an ATM in the country that I'm traveling to?

Visa is accepted at over 200 countries and territories around the world. You can find an ATM in your destination by using ourATM locator. Alternatively, look out for ATMs that carry the Visa or PLUS logos.

Will my PIN work in a different country?

Yes.* The PIN that you use in your home country will work overseas as well. However, some ATMs will only accept a 4-digit PIN. Please contact your bank if your PIN is longer than 4 digits or if it contains letters.

*Some issuers may require you to change your PIN. Please check with your card issuer prior to travel.

Will I be able to select my native language on the ATM?

Most ATMs will have a selection of languages. You should be able to select a language that you would understand.

Apart from withdrawing cash, what else can I do at an ATM?

You can check your account balance at most ATMs. Some ATMs also offer the option of selecting the account you wish to access.

Is there an additional charge for withdrawing cash overseas?

Yes. Your bank would typically charge you a nominal fee for this service. Please check with your bank for more details. In some cases, there may also be a charge levied by the bank that owns the ATM. You will be notified on the ATM screen if there is a charge.

Will my account balance be displayed in my home currency?

Some ATMs will display your account balance in your home currency while some will display it in the destination currency. Do take note of this when viewing your account balance on screen.

Is there a number I can call if I need help withdrawing cash overseas?

You may call Visa’s Global Card Assistance Services 24 hours a day, 365 days a year. Make sure you have the right number for your destination byclicking here.

What should I do if my card is "swallowed" by the ATM?

ATMs are designed to prevent fraudulent transactions and may withhold your card when you make multiple attempts to withdraw cash with an incorrect PIN. If this happens, please report it immediately. There should be a local helpline number displayed at the ATM or, if the ATM is next to a bank branch, you can contact the bank staff. You would be asked to identify yourself through relevant ID documents. If you are unable to recover your card, notify your bank immediately.

What should I do if the amount I get from the ATM is incorrect?

Please inform your bank if you received an incorrect amount. This would typically be spotted by the ATM owner and the ATM owner will seek to adjust the transaction amount with your card issuer; hence making sure your account is debited with the correct amount.

Where can I get more information about ATM usage overseas?

Please contact your bank for more details.

ATM Overseas (2024)

FAQs

What happens if you withdraw from a foreign ATM? ›

Foreign transaction fees are charged by your bank for currency conversion. If your bank charges foreign transaction fees — and many do — you'll pay a percentage of the total withdrawal amount, usually 1% to 3%, for using your card at a foreign ATM (or anywhere else abroad).

Is it better to use ATM abroad? ›

ATMs are the best way to access money abroad and are increasingly available. Your bank or credit card company may charge fees for withdrawals overseas and may have a limit on the amount you can withdraw daily, so be sure to consult with your bank about this.

Can ATM be used internationally? ›

Yes. * The PIN that you use in your home country will work overseas as well. However, some ATMs will only accept a 4-digit PIN. Please contact your bank if your PIN is longer than 4 digits or if it contains letters.

Can I withdraw money from an ATM overseas? ›

Transaction amounts and balances will be given in the local currency, however not all ATMs will provide a balance and some may have a lower withdrawal limit.

What is the best way to withdraw cash abroad? ›

  1. Choose “Decline Conversion” while withdrawing cash abroad. ...
  2. Choose to be charged in the local currency. ...
  3. Use ATM Fee Saver to find fee-free ATMs or low fee ATMs when withdrawing cash abroad. ...
  4. Try 2-3 ATMs before withdrawing cash abroad. ...
  5. Use your own bank's foreign ATM if terms offer free withdrawals.

How do I avoid international ATM withdrawal fees? ›

These fees can be avoided by choosing a bank account that doesn't charge fees and reimburses out-of-network ATM fees and by always withdrawing local currency from ATMs. Account holders can also ask their home bank if there are partner branches or in-network ATMs in the destination country or countries.

What is the best card for ATM withdrawal overseas? ›

What are the other travel card options?
Debit cardsMonthly Account feeInternational ATM fee
Travelex Money Card$0$0 online and in store - 1% for BPAY
Qantas Travel Money$0$0 for bank transfer or BPAY, 0.5% for debit card
Westpac Worldwide Wallet$0$0
Travel Money Oz Currency Pass$0Up to 1.1% online, or 1% BPay
19 more rows
Feb 19, 2024

Is it better to get foreign currency from bank or ATM? ›

Your bank's ATM network is likely the best option. You may be able to withdraw cash in the local currency with competitive exchange rates and low fees (1% to 3%). Use your institution's app to find an ATM near you. Try to withdraw larger amounts if your bank charges ATM fees.

Which ATM card is best for international travel? ›

Top 10 International Debit Cards Offered by Indian Banks
  • Axis Bank Burgundy Debit Card.
  • YES World Debit Card.
  • HSBC Premier Platinum Debit Card.
  • Bank of Baroda (BoB) Visa Vyapaar DI Debit Card.
  • Bank of Baroda (BoB) Visa Platinum DI Debit Card.
  • PNB VISA Signature Debit Card.
  • PNB VISA Classic Debit Card.

Do I need to activate ATM card to use overseas? ›

You will need to activate your card online or via SMS before use. Please note the following important information: Your mobile phone number is required to enable and disable overseas ATM cash withdrawal. A One-Time Password (OTP) will be sent to your mobile phone and this OTP is to be used for card activation.

Which bank has no foreign ATM fee? ›

The 14 Best Checking Accounts To Avoid International ATM Withdrawal Fees
  • Chase Bank Premier Plus Checking and Sapphire Checking.
  • Ally Bank® Spending Account.
  • Aspiration Plus Account.
  • Capital One 360 Checking Account.
  • Schwab Bank Investor Checking™ Account.
  • Citibank Citigold.
  • Discover Bank Cashback Debit.
Apr 12, 2024

Can I withdraw money from any ATM in the world? ›

As long as your ATM or credit card has either a Visa or PLUS logo, you can withdraw cash at ATMs that are part of the Visa or PLUS network. How do I find an ATM in the country that I'm traveling to? Visa is accepted at over 200 countries and territories around the world.

Can I use my debit card to withdraw cash internationally? ›

You can typically use a debit card when traveling in another country as long as the merchant accepts transactions from the card issuer. Debit cards are especially useful when withdrawing cash from ATMs internationally, but cash and credit cards may make more sense for other purchases abroad.

How can I use my ATM card internationally? ›

All you need to do is inform your bank about certain specifics, i.e. the currency, daily usage limit, time period etc. Once you have informed your bank, subject to sufficient funds available in your account, your bank will activate international usage on your card.

How much are overseas ATM fees? ›

Most, but not all NAB cards carry a $5 transaction fee and 3% of the transaction value when you use an ATM overseas. You also get charged a $1 fee if you dare check your balance at an ATM.

What happens if I withdraw money from another ATM? ›

Use your bank's ATM – If you use the ATMs of your bank, you will not be charged any withdrawal fee. If you use some other ATMs then you might be charged a fee for ATM withdrawal.

Do ATM withdrawals get reported? ›

Ever since the Bank Secrecy Act of 1970, banks have been required to report any transaction involving $10,000 or more to the federal government, whether it's a cash deposit or a withdrawal.

Is it better to withdraw cash abroad in local currency? ›

To avoid currency conversion fees abroad, always choose 'local currency' whether you're withdrawing cash from an international ATM or spending on a prepaid travel money card.

How much does it cost to use a foreign ATM? ›

The fees are often 1% to 3% of the amount of a purchase, and many banks also apply the fee to ATM withdrawals. Below, we compare the amount financial institutions charge to make an international ATM withdrawal or debit card purchase. » Looking for information about credit cards?

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