Using your Chase card abroad

Are you a Chase UK customer planning an overseas trip? If you have a Chase current account, you can also get a linked debit Mastercard® for convenient spending and withdrawals. However, you’re probably wondering whether you can use your card when travelling and what are the fees involved with that.

This guide covers everything you need to know about using your Chase card abroad, including limits, fees, exchange rates and other important considerations.

We’ll also show you a cost-effective alternative for managing your spending abroad. For international purchases, whether online or in person, you can rely on the Wise international debit card. You can even withdraw like a local for low fees* at the mid-market exchange rate.

Learn more about the Wise card

Can you use your Chase card abroad?

If you have a Chase current account, you’ll also get a linked Chase debit card which is issued on the Mastercard network. This card can be used overseas as easily as at home.¹

You can use your Chase card to spend in stores and restaurants and to make international withdrawals at ATMs. Just look out for the Mastercard logo wherever you are to check if the network is accepted.¹

Do you need to let Chase know you’re going abroad?

You don’t need to let Chase know you’re travelling, but you should adjust some settings in the Chase app. For example, make sure you’re sharing your location and that payments abroad are switched on.

You can set this by following these steps:

• Go to your card and tap 'Manage card'
• Tap 'Card controls' and then the 'Payments outside UK' option
• Switch on payments abroad¹

Chase card security features abroad

A handy security feature that Chase cards have is that they don’t have visible card numbers, so thieves can’t copy the details from your physical card.² And if you’re ever concerned about security you’ll be able to freeze your card in the app, in just a few clicks.³

All your info is instead stored in the Chase UK app. It gives you easy access to your account when you’re away from home, lets you view your transactions and manage your card easily. For convenience and even more safety, you can also make mobile payments with a wallet like Apple Pay® or Google Pay®.²

In case you need to report a security problem while abroad, you can quickly contact support through the app. After only a few taps, you’ll be able to solve any security issues.²

Travel perks

When you use your Chase card abroad, you won’t get charged any extra fees. However, be aware of any fees set by overseas banks or ATMs.¹

Also, you’ll be able to use Chase’s cashback feature even when travelling. you can still take advantage of Chase’s cashback feature while traveling. For everyday purchases, whether online or in-store, you'll earn 1% back.¹

Charges for using Chase card abroad

Spending with a Chase card overseas doesn’t usually mean paying any extra fees. Here’s a run through of what you need to know⁴:

As you can see, there are no additional Chase fees for using your card overseas. You’ll need to watch out for extra charges applied by ATM operators abroad - usually you’ll see a message on the screen if a fee applies, and you can then pick a different machine if you want to.

What’s the exchange rate for Chase cards?

If you use your Chase card for overseas spending, your pounds will be converted using the Mastercard exchange rate. This may be a pretty decent deal, but it’s likely to include a mark-up on the mid-market rate. This is the rate you can find on Google or with a reputable currency converter.¹

However, if you choose to pay in pounds, you’ll get the rate set by the merchant.¹

Are there any transaction limits?

If you’re using your Chase card to withdraw from ATMs abroad, the limit is £500 per day. There’s also a monthly withdrawal limit of £1,500.¹

Contactless limits are another thing to keep in mind. You can spend up to £100 per transaction without entering your PIN. There’s also the limit for consecutive contactless payments called the multiple contactless transaction limit. This is set slightly higher at £300.⁵

Keep in mind that merchants can set their own contactless limits regardless of your bank.

Travelling abroad? Use the Wise Card for low-cost spending abroad

That was our guide on using your Chase card abroad. We’ve covered card limits and fees, exchange rates and the travel benefits offered with a Chase account.

You should now be all set to decide whether using the Chase card abroad is the right choice for you.

And if you want an alternative for international spending and ATM withdrawals, consider using the Wise international debit card instead.

You can use your Wise card for all international payments in 150+ countries. It automatically converts your pounds to the currency you need in your destination at the mid-market exchange rate with only a small, transparent currency conversion fee*.

You also get two free ATM withdrawals to the value of 200 GBP each month. After that, there is a charge of 0.5 GBP per withdrawal. There’s also a 1.75% fee on any amount you withdraw above 200 GBP.

Sign up with Wise today

Sources used:

Sources last checked on date: 13-Dec-2024