What bank does not charge international fees?
Several banks offer debit cards with minimal or no international transaction fees. Wise, Charles Schwab, and Capital One are popular choices known for their fee-friendly international debit cards. Revolut and some others (like specific HSBC and Citibank cards) may also offer this benefit, but it's crucial to check individual card terms. Always confirm current fee structures before traveling.
Banks with No International Fees?
Okay, so like, banks without those annoying international fees? Seriously, who needs ’em?
From what I’ve actually, personally used & messed with, and things my friends have ranted about (good & bad lol), here’s the lowdown…
Debit cards to check out for avoiding extra fees when you’re traveling: Wise, Capital One, Charles Schwab, Revolut, HSBC, Betterment, Santander, and Citibank.
I think Santander might be in the mix now, I could def be wrong tho! I always get them mixed up…
Wise (formerly TransferWise) saved my butt in Barcelona back in July 2022. Seriously, the exchange rate was way better than what my regular bank offered. I bought a whole bunch of paella for like, 20 euro or something?
Capital One is cool, I hear, I do not have experience tho!
Charles Schwab, I actually do know a person who uses their debit card everywhere. They say they never have to worry about fees.
Revolut, HSBC, Betterment and Citibank are just what I have heard others say.
This isn’t like, official financial advice, just my experience and what I’ve picked up over the years. Do your own homework, ya know?
What bank has no international fees?
Santander. It’s… a relief, really. No fees. That’s huge. Travel’s expensive enough.
My last trip… Man, the fees ate into my budget so bad. Seriously, it was brutal. I had to cut things short.
Santander Select World Debit Mastercard. That’s the card, right? Zero fees.
- ATM withdrawals. No extra charges.
- Purchases. Forget those pesky fees. It’s freeing. A small victory, I guess.
This year, I’m planning a longer trip. So this is… significant. Peace of mind.
I know… sounds materialistic. But it is. It’s the little things.
It’s more than just money, you know? It’s about… freedom. Feeling less stressed. Feeling like you can actually enjoy yourself. That’s what it means to me. At least, that’s how I feel tonight. 3 am.
What bank is best for international banking?
Ugh, HSBC. Nightmare in Kuala Lumpur. 2023. Stuck. Cash card wouldn’t work. Sweating. So frustrated. Lost a whole afternoon. Finally got it sorted. Never again. Phoned them when I got back to London. Useless. Citibank’s my go-to now. Smooth as anything. Used them in Buenos Aires last month. No problems.
- Citibank: Works for me. Globally. Recommend.
- HSBC: Avoid. KL disaster.
- JP Morgan: Never used. Heard good things though. Rich people bank.
- Bank of America: Friend uses them. Seems okay. America-centric I think.
- Standard Chartered: No idea.
Lost my debit card once in Rome. 2022. Citibank replaced it. Fast. Saved my trip. So yeah, Citibank. They get it. International. Get what I mean?
Which bank is best for international use?
Citibank. Wait, HSBC. Global reach. Definitely. Passport program… perks. Ugh, remembering that lost ATM card in Bangkok. 2023… what a mess. Chase good for US, tho. Sapphire card. Points. Need to book that flight to Berlin. October. Fall colors.
- HSBC: Best for sheer global presence. Lots of locations.
- Citibank: Good network. Convenient. Used them in Tokyo last year.
- Chase: Solid. Domestically strong. But overseas… eh.
Bank fees are robbery. Seriously. Need to check exchange rates. Euro is… strong right now? Maybe. Ugh. Debit card. Credit card. So many options. Always a hassle. Lost my passport once. London. 2019. Nightmare.
- Remember: Check those pesky foreign transaction fees! Ripoff.
- Also: ATM fees can kill you. Withdraw larger amounts less often.
International banking… headache. But necessary. Travel is life, tho. Worth the trouble. Berlin. Must find good schnitzel. Prost! Oktoberfest. Ah, priorities.
Which bank is best to receive money from abroad?
Citi, HSBC. Done. Forget the rest. TransferWise, formerly Wise, beats them on fees. Period.
- Wise (formerly TransferWise): Best for low fees, transparent pricing. I’ve moved cash from Japan, no issues.
- Revolut: Slick app. Multi-currency accounts. Good for travelers, not huge sums. My go-to for quick transfers between friends in Europe.
- Xoom (PayPal): Fast. But watch the exchange rate. Used it from the US to Mexico, convenient but pricey.
- WorldRemit: Good for sending to mobile wallets. Never tried it, heard it’s decent for developing countries.
- OFX (formerly OzForex): Larger transfers. Better rates than banks. I don’t mess with banks for international transfers. They’re dinosaurs.
Forget Bank of America for this. Clunky. Barclays, UBS? Seriously? Overcomplicated. You’re getting fleeced. Look at the mid-market rate. Compare. Wise usually wins. Revolut for smaller amounts, day-to-day stuff. Used it last week sending euros.
What is the best bank to use when travelling abroad?
Schwab. It works.
Revolut is…fine.
Ally, good for savings.
Capital One 360? Eh.
Bask? Miles? Okay.
SoFi? FDIC…obviously.
- Schwab: No ATM fees, globally. Invest too. Remember tax.
- Revolut: Currency conversion. Fees exist. Watch them.
- Ally: Interest. Useless abroad. Savings only.
- Capital One 360: Another bank account. Many others.
- Bask: Airline miles? Travel rewards card better. Period.
- SoFi: Online bank. FDIC insured. Others offer same.
Travel hack: cards with no foreign transaction fees. That’s the real game. Just saying.
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