Foreign transaction fee guides

These guides are about a fee for a purchase, a card, or cash in another currency. A monthly account fee is a different list.

Last updated: October 22, 2026

United States

Bank of America foreign transaction fee
The Unlimited Cash Rewards and Unlimited Cash Rewards Secured agreements print a 3% foreign transaction fee. This is not every Bank of America card. Opened 20 October 2026.
Discover foreign transaction fee
Three Discover example agreements convert foreign currency and do not print a foreign transaction fee percent. Opened 20 October 2026. Not a claim that the fee is zero.
Foreign currency cash at US bank branches
What Chase, Wells Fargo, and Bank of America print about a branch foreign currency order: the fee, and the markup they do not print as a percent. Opened 20 October 2026.
Foreign currency cash order fees at US banks
TD Bank prints $7.50 for foreign currency banknotes, or $17.50 on an order under $250. Citizens prints $15 for customer foreign currency exchange. Opened 20 October 2026.
Foreign transaction fee by US card
A foreign transaction fee is the percent each named US card issuer prints on its own agreement. One card's percent is not another's.
US debit card foreign transaction fees
The foreign transaction fee Ally, USAA, Schwab, Fidelity, and Capital One print for a debit card, which is separate from a credit card foreign transaction fee. Opened 20 October 2026.

Canadian cards that print no foreign transaction fee
Home Trust Preferred Visa at 0% and the Wealthsimple credit card with no FX fee. The big bank 2.5% table, and the Scotia and EQ exceptions, already have their own page.
Foreign currency cheque fees at Canadian banks
The fee RBC, TD, Scotiabank, BMO, and National Bank print for a cheque in a currency other than the account. Opened 20 October 2026.
Foreign currency conversion fees by Canadian bank
Opened 16 October 2026. The foreign currency percent each named Canadian bank prints on its own card or account page. Simplii and Wealthsimple are left out.
What a cross border debit or FX fee line means
How a Canadian debit cross border fee differs from a percent FX fee, with the RBC and TD figures opened on 19 October 2026. Amounts can change.

Foreign transaction fees explained
What a foreign transaction fee is, where it shows on a card statement, and where US rules say the card issuer has to disclose it.
What dynamic currency conversion is
Dynamic currency conversion is the merchant or ATM billing you in your home currency. Visa requires both amounts, the rate, and a real choice to decline. Your card issuer's foreign transaction fee is a separate charge.

$3.92 USD per month, billed yearly.

Sales tax, like GST or HST, is added at checkout where it applies.

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