Foreign Transaction Fees: What Are They and How to Avoid Them

Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties’ privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

¹ Information from WalletHub’s “Foreign Transaction Fees Explained” as of April 17, 2023: https://wallethub.com/edu/cc/foreign-transaction-fees/19571

² Information from Bank of America’s “Terms and Conditions for Bank of America Customized Cash Rewards Card” as of April 6, 2023: https://www.bankofamerica.com/credit-cards/terms-and-conditions/?campaignid=4063778&productoffercode=EK&locale=en_US

³ Information from American Express’s “Do I have to pay foreign transaction fees when I use my card?” as of April 6, 2023: https://www.americanexpress.com/us/customer-service/faq.foreign-transaction-fees.html

⁴ Information from American Express’s “Schedule of Fees and Charges” as of April 27, 2023: https://www.americanexpress.com/content/dam/amex/in/legal-disclosures/Schedule-of-Fee-and-Charges.pdf?inav=in_sitefooter_top_links_schedule_of_fees_and_charges

⁵ Information from Bank of America’s “Personal Schedule of Fees” as of April 6, 2023: https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/?request_locale=en_US

⁶ Information from Capital One’s “What is a foreign transaction fee?” as of April 6, 2023: https://www.capitalone.com/learn-grow/money-management/foreign-transaction-fees/

⁷ Information from Chase’s “Chase Freedom Credit Cards” as of April 6, 2023: https://creditcards.chase.com/cash-back-credit-cards/freedom

⁸ Information from Chase’s “Additional Banking Services and Fees for Personal Accounts” as of April 11, 2023: https://www.chase.com/content/dam/chase-ux/documents/personal/checking/ABSF-en.pdf

⁹ Information from Chime’s “Chime Credit Card Agreement” as of April 27, 2023: https://www.chime.com/chime-credit-builder-visa-credit-card-agreement/#fees

¹⁰ Out of network ATM withdrawal fees may apply. See here for details.

¹¹ Information from Bank of America’s “Travel Rewards Credit Card” as of April 6, 2023: https://www.bankofamerica.com/credit-cards/products/travel-rewards-credit-card/

¹² Information from Capital One’s “Venture Rewards Card from Capital One” as of April 6, 2023: https://www.capitalone.com/credit-cards/venture/

¹³ Information from Chase’s “Chase Sapphire Preferred Credit Card” as of April 6, 2023: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred

¹⁴ Information from Discover’s “Discover it Unlimited Cash Back Credit Card” as of April 6, 2023: https://www.discover.com/credit-cards/cash-back/it-card.html

¹⁵

© 2013-2023 Chime. All Rights Reserved.