How do you use a debit card while traveling?

Most card companies, banks and credit unions make it super simple to let them know when you're using a debit card internationally or a credit card overseas. Just log in to your online banking or mobile banking app and fill out the short form. You will let them know where you will be going and when.



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Can I use my debit card overseas? Yes. However, it's a good idea to let your bank know first if you're traveling outside the country.

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Key Takeaways. European travelers should always have some cash on hand; getting it from an ATM abroad is usually the easiest, most advantageous way. If you need cash from an ATM, it's usually better to use a debit card, because credit cards often charge a high interest rate for a cash advance.

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Accessing money while abroad
  1. Cash/Local Currency. Let's start with the most basic form of payment: cash. ...
  2. Opening a Bank Account. If you are abroad for a semester or longer, you may want to investigate the option of opening a local bank account. ...
  3. ATM/Debit Cards. ...
  4. Credit Cards. ...
  5. Apple Pay/Google Pay.


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Research shows that in most cases you can save by opting to spend in the local currency. For example, that would mean choosing euros in Spain or dollars in the US. When you choose to pay in the currency of the region or country you're visiting, Visa or Mastercard will set the exchange rate.

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Once you've reached your destination, avoid airport kiosks or other exchange houses. Your bank's ATM network is likely the best option. You may be able to withdraw cash in the local currency with competitive exchange rates and low fees (1% to 3%). Use your institution's app to find an ATM near you.

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Currency exchange shops and kiosks in airports are not the best places to exchange money. For the best rates, try a local bank or a bank ATM to make your currency exchanges. Check to see if your U.S. bank offers foreign ATM fee refunds for using a foreign ATM.

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Resist the urge to buy foreign currency before your trip. Some tourists feel like they just have to have euros or British pounds in their pockets when they step off the airplane, but they pay the price in bad stateside exchange rates. Wait until you arrive to withdraw money.

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While you'll always need some cash, using a credit card for your spending needs can significantly simplify overseas travel. You won't really have to deal with converting currency and, armed with the right credit card, you won't pay unnecessary foreign transaction fees.

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