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If you’re planning to travel internationally, you’ll need to make sure you have the right debit card to use while you’re on the go. Not all debit cards are created equal, and there are a number of factors to consider when choosing the best one for your needs. In this article, we’ll take a look at some of the top options available, along with the pros and cons of each.
What to Look for in an International Debit Card
Before we dive into the specific debit cards you might want to consider for international travel, let’s take a look at some of the key features you should be looking for.
No Foreign Transaction Fees
One of the biggest expenses you’ll face when using your debit card overseas is foreign transaction fees. These can add up quickly and eat into your travel budget. Look for a card that doesn’t charge any foreign transaction fees, or that has low fees that won’t break the bank.
Low ATM Fees
You’ll likely be using ATMs quite a bit while you’re traveling, so it’s important to find a debit card that has low ATM fees. Some cards will even reimburse you for any fees charged by the ATM itself, which can save you even more money.
Chip-and-PIN Technology
Many countries outside the U.S. use chip-and-PIN technology for credit and debit cards, which can be more secure than the magnetic stripe technology used in the U.S. Look for a card with chip-and-PIN capabilities to ensure you can use it wherever you go.
24/7 Customer Support
If you run into any issues with your debit card while you’re traveling, you’ll want to be able to get in touch with the issuing bank right away. Look for a card with 24/7 customer support to ensure you can get help whenever you need it.
Travel Insurance
Some debit cards come with built-in travel insurance, which can provide added peace of mind while you’re on the go. Look for a card that offers this feature if you’re interested in having insurance coverage while you travel.
Best Debit Cards for International Travel
Schwab Bank High Yield Investor Checking Account
The Schwab Bank High Yield Investor Checking Account is one of the best options for international travel. There are no foreign transaction fees, and the account even comes with a reimbursement for any ATM fees you’re charged while traveling. The account also has chip-and-PIN technology and 24/7 customer support.
Capital One 360 Checking Account
Another great option for international travel is the Capital One 360 Checking Account. This account has no foreign transaction fees and offers free ATM use worldwide. The account also has chip-and-PIN technology and 24/7 customer support. Additionally, Capital One offers a number of other travel benefits, such as free travel alerts and emergency card replacement.
HSBC Premier Checking Account
If you’re looking for a more premium banking experience, the HSBC Premier Checking Account might be the way to go. This account has no foreign transaction fees, offers free ATM use worldwide, and has chip-and-PIN technology. Additionally, the account comes with travel insurance and a dedicated Premier Relationship Manager to help you with any banking needs you have while traveling.
Conclusion
When it comes to finding the best debit card for international travel, there are a lot of factors to consider. Look for a card with no foreign transaction fees, low ATM fees, chip-and-PIN technology, and 24/7 customer support. Some cards even offer travel insurance and other travel benefits. Consider the options we’ve outlined here and choose the one that best meets your needs and budget.
| Question | Answer |
|---|---|
| Do all debit cards work internationally? | No, not all debit cards are accepted internationally. You’ll need to make sure your card has a Visa or Mastercard logo on it, as these are the most widely accepted. |
| Do I need to notify my bank before traveling internationally? | Yes, it’s a good idea to notify your bank before you travel to prevent any issues with your card being blocked for suspicious activity. Many banks allow you to do this online or through their mobile app. |
| What should I do if my card is lost or stolen while traveling? | Report the loss or theft to your bank immediately so they can cancel the card and issue a new one. You should also file a police report in the country where the card was lost or stolen. |