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Carrying foreign cash when you travel is inconvenient and risky — so if you plan to go on vacation you may be wondering: can I use a Wells Fargo debit card internationally?
If you have a Wells Fargo credit or debit card, this guide is for you. We’ll cover the Wells Fargo foreign currency transaction fee, and tips for using Wells Fargo when going abroad.
Yes. You’ll be able to use your Wells Fargo card when you travel — just check the network your card is issued on — usually Visa or MasterCard — is accepted by the merchant or ATM you pick.
Wells fargo gives a couple of handy hints to consider before using their cards overseas:
- Insert your chip card into the merchant’s terminal, or tap to make contactless payments where you can — overseas merchants may not support swipe payments
- You’ll need a 4 digit PIN — if you don’t have this yet you can get one set up by visiting a Wells Fargo branch
Let’s start with debit cards. If you want to use a Wells Fargo debit card abroad, you’ll probably find yourself having to pay the fees you’ll find below. ATM fees will be dealt with separately later on.
Your particular account might have a different breakdown of fees charged. If you think that might apply to you, check with Wells Fargo¹.
Wells Fargo debit card transaction | Fee |
---|---|
Withdraw cash at non-Wells Fargo ATM overseas | 5 USD + fees may be charged by the ATM owner/operator |
International Purchase Transaction Fee — make a purchase in a foreign currency | 3% of the amount |
Over the counter debit card cash disbursement — internationally | 3% of the amount |
While you’re looking for the best card for your international travel, check out the Wise multi-currency account as a smart, simple way to manage your money across borders.
Open your Wise account online, and order your linked debit card for easy spending and cash withdrawals at home and abroad. Because it’s a Multi-currency Account you can top up your balance in dollars and then convert to the currency you need for traveling, using the mid-market exchange rate.
🚀 With Wise you can also |
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If you’re looking for information about the Wells Fargo Cash Wise foreign transaction fee you’ll want to know that this card has now been discontinued.
However, it’s been replaced by the Wells Fargo Active Cash card — and we’ve got the details you need to know about that, and Wells Fargo’s other live credit card options, coming right up.
The Wells Fargo Active Cash credit card is a popular option, with no annual fee.
Here’s what you should know about this card’s overall fees and the Wells Fargo Active Cash Visa foreign transaction fee:
Fee type | Wells Fargo Active Cash fee |
---|---|
Annual fee | No annual fee |
APR | 0% APR introductory rate, followed by variable APR of 15.74% - 25.74% |
Foreign transaction fee | 3% |
The Wells Fargo Reflect credit card has no annual fee, an 18 month 0% APR offer, and the opportunity to get a slightly lower APR than some other Wells Fargo cards.
However, you’ll still pay a premium for any spending which is in a foreign currency. Here are the details.
Fee type | Wells Fargo Reflect fee |
---|---|
Annual fee | No annual fee |
APR | 0% APR introductory rate, followed by variable APR of 13.74% - 25.74% |
Foreign transaction fee | 3% |
There are a couple of active Wells Fargo cards which have no foreign transaction fees — well worth considering if you’re a frequent traveler.
The Wells Fargo partnership card with Hotels.com could be a good choice if you’re looking for a Wells Fargo card with no foreign transaction fee. However there’s no 0% APR offer with this card. Here are the details.
Fee type | Wells Fargo Hotels.com Rewards Visa fee |
---|---|
Annual fee | No annual fee |
APR | Variable APR of 15.74% - 23.74% |
Foreign transaction fee | No fee |
Another good option if you want a no annual fee card which is good for travel — the Bilt World Elite MasterCard has no foreign transactions fees, and a range of different APRs depending on your situation. Here’s what you should know:
Fee type | Bilt World Elite MasterCard fee |
---|---|
Annual fee | No annual fee |
APR | Variable APR of 16.99% - 24.99% |
Foreign transaction fee | No fee |
Unfortunately, the Wells Fargo American Express credit card series stopped taking applications for new customers, although you may be able to use your card still if you already hold one.
The good news here is that there is no Wells Fargo Propel foreign transaction fee, making this a good card for international spending if you’re lucky enough to still have an active account.
ATM fees are hard to be precise about, because it’s not just Wells Fargo that might charge you: the ATM operator could end up charging fees as well.
Here are the Wells Fargo fees you should know¹ — but remember this may not be all you pay when you use your Wells Fargo card abroad.
ATM service | Fee |
---|---|
Cash withdrawal from an international non-Wells Fargo ATM | 5 USD plus fees may be charged by the ATM owner/operator |
Balance inquiry from an international non-Wells Fargo ATM | 2.50 USD plus fees may be charged by the ATM owner/operator |
Transfer funds between your Wells Fargo checking account and savings account service only available at select ATMs internationally | 2.50 USD |
You can usually get a decent exchange rate by using your debit card in a foreign ATM. However, if you’re ever asked whether you’d like to pay in the local currency, or US dollars, you should always choose the local currency.
That’s because of dynamic currency conversion, or DCC for short. If you choose US dollars, the exchange rate won’t be set by the card network, but rather by the ATM provider or bank. And it won’t be a good rate. At all. At ATMs, the best exchange rate is always the local one.
And, don’t forget to check Wells Fargo’s exchange rate before you travel.
Whatever your travel plans, there are always a few tips to remember to get a decent deal.
If you don’t have a second card
get a Wise one
Good luck during your trip, and make sure you know how to make your Wells Fargo card work for you.
It pays to know the details on how to spend money abroad — so that when you travel, you can concentrate on the thing that really matters: enjoying yourself in a new place.
Wondering what’s the right travel card for you? Check our guide on the best travel credit cards |
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Sources:
Sources checked on 06.03.2022
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.
This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
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