Can you use a debit/credit card that has USD overseas where they do not?

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  1. MountainManJake profile image85
    MountainManJakeposted 5 years ago

    Can you use a debit/credit card that has USD overseas where they do not?

    My bank is USAA.  How does all of that work.

  2. brianrock profile image88
    brianrockposted 5 years ago

    Usually, yes.

    This depends a bit on where your going. Some places are very much cash cultures, and even though you might be able to use a debit card technically, very few places will accept it. For example, I spent two weeks in China last summer. Some large businesses (hotels, airlines, chain restaurants) would accept mu debit card, but a lot of smaller vendors, stores, and restaurants just worked on a cash basis.

    When I went to England five years ago, I had very much the opposite experience. It was like being in the U.S. I carried a little cash on me for small purchases (like food from a street vendor), but I used a credit card for anything substantial.

    When you swipe your card, your bank will convert the amount based on the current conversion rate between USD and the target currency. They'll also typically charge you a fee (1%, maybe 3%) for the currency exchange. Your bank should be able to tell you what that fee is.

    It works the same way with ATMs. You can withdraw money in the local currency using your American debit card.

    1. MountainManJake profile image85
      MountainManJakeposted 5 years agoin reply to this

      Absolutely amazing! Exactly what I wanted to know.

    2. profile image0
      ViolinByCourtneyposted 5 years agoin reply to this

      If you ever have to buy something internationally online, the same basic rules apply. The bank handles the exchange for you. One more thing: it never works with bank cards that do not have a major credit card company's logo on them.

  3. applejack2 profile image61
    applejack2posted 5 years ago

    In the  Philippines All bank atm,will take  the  card and give you cash up to your daily limit on the card
    local bank rules  apply, like no over the counter cash.

 
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