Can you pay in dollars with a French euro Visa card in the United States?

Yes — in the United States, you can pay in dollars using your French bank card. However, your bank will apply exchange and conversion fees for each transaction. If you rely on traditional banking services, you might also need an international card subscription with specific terms that differ from those used in the Eurozone.

To avoid high banking fees and benefit from fair rates, Wise lets you open a multi-currency account, including in USD. You can convert euros at the mid-market exchange rate and receive dollars without hidden markups. You can also order a Wise card online for €7.

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Paying by card in US dollars: what you need to know

Can I use a Visa or Mastercard in the United States?

Yes. Paying with a Visa or Mastercard in the US is widely accepted. However, depending on the duration of your stay, you might want to consider an international card with a monthly plan that offers lower transaction fees.

Before you leave, notify your bank about your travel plans — your advisor can explain the fees applicable to your account and help prevent your card from being blocked by the fraud department.

To avoid unnecessary fees, you can also open a bank account directly in the United States, or use a multi-currency account like Wise that supports both euros and US dollars.

Is it better to withdraw cash or pay by card?

During your stay, you have several payment options:

• Exchange euros for dollars at a bureau de change. These services make money on the rate difference, so compare the rates offered to the day’s official exchange rate before exchanging.

• Withdraw cash from ATMs. Fees typically range between 2% and 4%, plus €3–€4 fixed per transaction.³ Always ask your bank for details before traveling.
• Pay directly by card (Visa or Mastercard). Your bank will convert euros to dollars using its own rate, often less favorable than the mid-market one. Additional local fees may apply.

Some banks offer paid “international” card options with a limited number of free withdrawals or transactions abroad. The Wise account lets you convert euros to dollars at the mid-market rate — without hidden costs.

Visa payment issues in the USA: what to know

When paying by card in the US, keep these particular cases in mind:

• Car rentals: Most agencies accept Visa, Mastercard, JCB, and Amex cards. The main difference between debit and credit cards is how the deposit is handled — debit cards are charged immediately, while credit cards only block the amount. If you use a Wise card, ensure you have enough balance for the deposit.
• Gas stations: Some require a ZIP code that matches your billing address. If your card’s postal code doesn’t work, prepay inside the station using your card or cash.
• Tipping: In the US, tipping is expected — usually 15% to 20% of the bill. You can add it by card or leave cash. Paying tips in cash can help avoid extra bank fees, so carry a few dollars with you.

Paying in dollars with a debit card: what are the fees?

When paying in US dollars with a debit card, consider all potential fees, especially outside the Eurozone:

These are example values only. Actual fees vary depending on your bank, your card, and your usage. Always check with your bank before traveling.

How to reduce banking fees in the United States

Avoid withdrawing cash from ATMs

Most French banks charge higher fees for ATM withdrawals than for card payments.

• Avoid frequent withdrawals to minimize charges.
• If necessary, withdraw a single larger amount to cover your stay.

Use a multi-currency card

With a Wise account, you can hold 40+ currencies and convert euros to dollars at the mid-market exchange rate, avoiding hidden costs.

You’ll also receive a European IBAN and a US account number, allowing you to receive money locally in both currencies.

The Wise card lets you make two free withdrawals per month up to €200 (or equivalent in USD). Whether you’re visiting or living in the US, Wise provides a flexible and affordable alternative to traditional US banking.

FAQ: paying by card in the United States

How can I withdraw money abroad without a card?

• Visit your bank and withdraw cash with ID (not possible outside France).
• Use a money transfer service like Western Union, which charges about 1%–2%.
• Open a USD account and use a virtual card for online or in-store purchases at the official exchange rate.

Which bank card should I use in the US?

Consider:

• The duration of your stay (short visit or long-term move).
• The type of card — Visa, Mastercard, Amex, or multi-currency.
• Your spending habits and frequency of use.
• The need for euro-to-dollar or dollar-to-euro conversions.

How to pay in dollars without fees?

For travelers, freelancers, and expats who want to pay in the US, the Wise card is a smart option. Payments are free when you hold dollars in your account, and if a conversion is needed, it’s done at the mid-market rate with fair, transparent fees.

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Last verified on September 18, 2025.

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.