A free card fees abroad calculator that adds up each card's conversion, allowance and cash fees for any amount, from each provider's own fee pages.
5.0(1 rating)See what one payment or cash withdrawal abroad really costs on each card and account, fee by fee.
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This free card fees abroad calculator shows what one payment or cash withdrawal abroad really costs on each card and account, fee by fee.
Type an amount in any currency, choose paying by card or taking out cash, and pick where you live.
The calculator converts it into each account's own currency at the day's rates, and adds up its conversion fee, any fee above its allowance, and its cash fee.
Here's what the fees are, what each card charges, and how to pay less.
What does a card cost abroad?
Up to three fees can apply when you pay or take out cash in another currency:
- Conversion – a percentage of the amount, charged when the card converts it
- Above the allowance – some accounts convert a set amount a month or a year for free, then charge a fee on the rest
- Cash fee – a flat fee, a percentage or both on withdrawals, often after a number of free ones
ATM owners can add their own charge on top, which the calculator can't see.
How to use the card fees abroad calculator
Your choices stay in this browser, so the list is ready when you come back.
What each card charges abroad
Chase debit (US)- Paying abroad
- 3%
- Cash abroad
- 3% plus $5 at non-Chase ATMs
Chase Private Client (US)- Paying abroad
- No fee
- Cash abroad
- No fee, ATM owners' fees refunded
HSBC Bank Account (UK)- Paying abroad
- 2.75%
- Cash abroad
- 2.75% plus 2% (min £1.75, max £5)
Monzo (UK)- Paying abroad
- No fee
- Cash abroad
- £200 free every 30 days outside Europe, then 3%
Starling (UK)- Paying abroad
- No fee
- Cash abroad
- No fee
Revolut Standard (UK)- Paying abroad
- Free to £1,000 a month, then 1%
- Cash abroad
- 5 withdrawals or £200 free, then 2%
Wise (UK)- Paying abroad
- From 0.24%
- Cash abroad
- £250 a month free, then 2.69%
N26 Standard (EU)- Paying abroad
- Not listed
- Cash abroad
- 1.7% on foreign-currency cash
Amex Platinum (UAE)- Paying abroad
- 2.94% + VAT
- Cash abroad
- Not listed
How to pay less abroad
Four habits keep most of these fees off your statement:
- Pay in the local currency when a card machine or ATM offers to charge you in your home currency, which usually gets you the better rate
- Use a card with no foreign fee for spending, and one with free cash abroad for withdrawals
- Watch monthly allowances: past them, some accounts start charging
- Check your card's own fee page before you travel, since fees change
To move a bigger amount between your own accounts, the money transfer comparison shows what each service delivers, and the currency converter gives today's rate.
The bank accounts and cards I use
I'm not a US citizen, and I bank with Chase: I have Chase Private Client and Chase Business Complete Checking. Private Client has no foreign exchange fees and no ATM fees worldwide, and Chase waives its $35 monthly fee when you keep $150,000 or more with it.
Private Client is great if you qualify, but it's harder to get. You need proof of a US address, which you can get without living in the US, by staying there for a while or getting a short contract there. After that it's usually easy, especially with a good relationship with your banker. It depends on the banker and what they think: one turned me down, and another in the same city said yes.
Most people start with a regular account like Chase Total Checking, and I think it's still better than most other US banks. For a US company, I also like Mercury.
I keep a big bank on purpose. A neobank like Wise or Mercury can shut an account down, and with Chase that's very hard. And if JPMorgan Chase ever went under, I think we'd have bigger problems to worry about: it would be the end of the American economy, and in many ways the world's.
I use Wise to hold and convert other currencies, and I bank with HSBC in the UK. I've had American Express cards in the US and in the UK, where I had the Platinum, personal and business. I'm Marriott Bonvoy Titanium Elite.
In Dubai, I banked with Emirates NBD and Mashreq, and had Emirates NBD's Marriott and Emirates cards. I'd recommend Wio Personal and Wio Business there, because they have by far the best UI, but I'd still try to get an Emirates NBD account too.
That's my own mix, not a ranking. I haven't lived everywhere, so the card fees abroad calculator stays objective: the order comes from the rules above, never from what I use.
The Wise link is an affiliate link, so I may earn a commission at no extra cost to you.
Where the facts on these cards and bank accounts come from
Every fee, rule and requirement comes from the provider's own pages: its product page, fee schedule, pricing and terms, or eligibility page.
Deposit protection comes from each scheme's own site, and each card and bank account lists its sources with the date I read them.
When a provider doesn't publish something, the finder leaves it empty and says so, rather than filling it in from a comparison site.
Fees change, so check the provider before you apply.
It's information, not financial advice.
Who is the card fees abroad calculator for?
It's for anyone who pays or takes out cash abroad, and each of them has a next step:
- Best travel credit cards – travelers switching to a card with no foreign fee
- Card finder – anyone who wants accounts they can open from where they live
- Currency converter – checking the day's rate against what the card charged
- Money transfer comparison – anyone sending money abroad
- Schengen calculator – anyone counting days in Europe
Card Fees Abroad Calculator FAQs
Questions about banks and cards abroad? Here's what to know.
It's a fee a card charges when you pay in another currency, usually a percentage of the amount.
Chase's standard debit cards charge 3%, HSBC UK's debit card 2.75%, and cards like Monzo and Starling charge none.
Usually the local currency.
When a card machine or ATM offers to charge you in your home currency, it sets its own rate, which is usually worse than your card's.
Chase Private Client charges no ATM fees worldwide and refunds ATM owners' fees, and Starling charges no fees on cash abroad.
Wise, Revolut and Monzo give a free amount each month, then charge a fee.
Some providers quote a starting rate that varies by currency, like Wise's from 0.24%.
Others give an allowance that depends on your plan or where you are, so the result is a guide.
No, only the card's own fees.
ATM owners can add their own charge, which you see on the machine's screen before you confirm.
I did. I'm Navid Moazzez, and the card fees abroad calculator is one of my free tools on navid.me.
Read about me, or see my creator profile.
Navid Moazzez
AI business strategist & AI OS builder
Navid Moazzez helps creators and founders master AI and build their own AI Operating System (AI OS) to automate their business and life.
Navid.me is reader-supported. When you buy through links on this site, I may earn an affiliate commission. Learn more.
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